Valuing floodplain protection and avoidance in a coastal watershed.

Flood-related losses in the United States are increasing despite large-scale mitigation efforts. To offset the rising cost of floods, the US Congress passed legislation in 2014 that will augment insurance premiums to make the National Flood Insurance Program more actuarially sound. Consequently, there is interest in lowering flood-related costs to the homeowner, both in terms of premiums and damage. This study addresses the issue by integrating premium savings and damages avoided based on several mitigation scenarios. Specifically, it examines how much policyholders within a watershed near Houston, Texas, could have saved between 1999 and 2009 had their communities introduced specific avoidance-based mitigation activities. The results indicate that homeowners and communities can offset premium rises and a majority of the damage suffered through marginal expansions of such initiatives. However, the costs associated with their implementation could counter some of these savings, and hence they need to be considered in future work.

La reforma del baremo: un reto y un esfuerzo para las aseguradoras / Reform of the scale: a challenge and an effort to Insurers

No disponible

La extension del seguro de salud en Iberoamérica: una estrategia de política exterior del franquismo en la inmediata posguerra (1942-1959) / The expansión of health insurance in Latin America: a foreign policy strategy of the franco regime in the post-civil war perior (1942-1959)

La dictadura franquista por motivos de estrategia política intentó influir en materia de seguros sociales, en especial en la cobertura de la enfermedad, en los países iberoamericanos durante las décadas de 1940 y 1950. Los resultados de esta colaboración resultaron mediocres en la práctica y produjeron pocos avances reales, al margen de la imitación de las instituciones de gestión y algunos cursos de formación actuarial y estadística. Este fracaso se debió en gran medida al propio atraso y debilidad del modelo de cobertura sanitaria de la dictadura franquista ahogado por un déficit financiero crónico y con graves limitaciones tanto en la cobertura de la población como en las prestaciones ofrecidas. A partir de la década de 1960, una vez superada la etapa de aislamiento y autarquía, las autoridades franquistas redujeron su interés en la estrategia iberoamericana y comenzaron a mirar a Europa (AU)

For reasons of political strategy, the Franco dictatorship sought to have an influence in matters of social insurance, especially sickness coverage, in Latin American countries during the 1940s and 1950s. The results of this collaboration were mediocre in practice and led to little real progress, apart from imitating management institutions and some actuarial and statistical training courses. This failure was due to a large extent to the backwardness and weakness of the Franco dictatorship’s own model of health care provision, stifled by a chronic financial deficit and with serious shortcomings in both coverage of the population and provisions offered. Beginning in the 1960s, once the stage of isolation and autarky was overcome, the Francoist authorities reduced their interest in the Latin American strategy and started to look towards Europe (AU)

Ninety-day waiting period limitation. Final rules.

These final regulations clarify the maximum allowed length of any reasonable and bona fide employment-based orientation period, consistent with the 90-day waiting period limitation set forth in section 2708 of the Public Health Service Act, as added by the Patient Protection and Affordable Care Act (Affordable Care Act), as amended, and incorporated into the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code.

An empirical data comparison of regulatory agency and malpractice legal problems for psychiatrists.

BACKGROUND: Our objective is to compare legal difficulties that psychiatrists encounter in regulatory agency and malpractice (insurance) settings. METHODS: Data sources included a literature search of malpractice and medical board discipline from 1990 to 2009 (rates and types of discipline); publicly available insurance data (malpractice frequency and type); and data from the National Practitioner Data Bank (NPDB) (required reports of malpractice settlements and hospital discipline). RESULTS: Medical board discipline findings indicate that psychiatrists are at increased risk of disciplinary action compared with other specialties. NPDB data indicated relatively infrequent problems for psychiatrists. In malpractice, psychiatry accounted for a small percentage of overall claims and settlements. Overall, more years in practice and a lack of board certification increased the risk of legal difficulties. CONCLUSIONS: There are shared and separate risk factors in the malpractice and regulatory agency areas, but there is evidence that these 2 legal areas are distinct from each other.

Federal Housing Administration (FHA): Section 232 Healthcare Facility Insurance Program--Strengthening Accountability and Regulatory Revisions Update Final Rule Amendment--revision of date of applicability. Final rule amendment.

On September 7, 2012, HUD published a final rule that revised the regulations governing the insurance of healthcare facilities under section 232 of the National Housing Act (Section 232). HUD's Section 232 program insures mortgage loans to facilitate the construction, substantial rehabilitation, purchase, and refinancing of nursing homes, intermediate care facilities, board and care homes, and assisted-living facilities. The amendments made by the September 7, 2012, final rule updated the Section 232 regulations to reflect current policy and practices, improve accountability and strengthen risk management in the program. The final rule provided an applicability date of April 9, 2013, for certain of the updated requirements. This final rule amendment changes the applicability date to July 12, 2013, for the purpose of allowing more time to transition to the new requirements.

Managing moral hazard in motor vehicle accident insurance claims.

Motor vehicle accident (MVA) insurance in Canada is based primarily on two different compensation systems: (i) no-fault, in which policyholders are unable to seek recovery for losses caused by other parties (unless they have specified dollar or verbal thresholds) and (ii) tort, in which policyholders may seek general damages. As insurance companies pay for MVA-related health care costs, excess use of health care services may occur as a result of consumers' (accident victims) and/or producers' (health care providers) behavior - often referred to as the moral hazard of insurance. In the United States, moral hazard is greater for low dollar threshold no-fault insurance compared with tort systems. In Canada, high dollar threshold or pure no-fault versus tort systems are associated with faster patient recovery and reduced MVA claims. These findings suggest that high threshold no-fault or pure no-fault compensation systems may be associated with improved outcomes for patients and reduced moral hazard.

The use of genetic information in the insurance sector--a German perspective.

The following paper offers an introduction to the legal framework concerning the use of genetic information in the insurance sector in Germany. The main contents and the controversial issues of the key regulation are examined. The aim of this rule being to secure human dignity by respecting the right to informational self-determination regarding genetic data, including the individual's right not to know about their genetic characteristics, there are a number of open issues which are being addressed. For instance, the influence of the prohibition to ask for genetic testing and to use the results of any such testing by the insurer is examined. This examination leads to some explicit results, such as the assumption that in addition to the ban on the use of genetic testing no questions about family medical history are admissible. The authors embark on the definition of genetic testing and the question to what extent the results of diagnostic genetic testing may still be made use of in the context of the insured person's obligation to display pre-existing conditions and diseases when the contract is concluded. In this respect distinctions between diagnostic and predictive genetic testing as well as between disease and disposition are drawn. Furthermore, the exceptions from the prohibition to use results of genetic testing are examined, and the scope of the prohibition of acceptance of results of genetic testing even if performed at the instigation of the insured is explored. Finally the consequences, encompassing criminal liability and private law ramifications, of the violation of the prohibition are presented. In this context, a narrow understanding of the aggravated criminal offence of using results of genetic testing with the intent to personal enrichment or in return for payments is developed. Finally the effects on the validity of the insurance contract and the question whether the insurer may be forced to conclude a contract are examined.

Fighting discrimination.

In the fight against discrimination, the IDF launched the first ever International Charter of Rights and Responsibilities of People with Diabetes in 2011: a balance between rights and duties to optimize health and quality of life, to enable as normal a life as possible and to reduce/eliminate the barriers which deny realization of full potential as members of society. It is extremely frustrating to suffer blanket bans and many examples exist, including insurance, driving licenses, getting a job, keeping a job and family affairs. In this article, an example is given of how pilots with insulin treated diabetes are allowed to fly by taking the responsibility of using special blood glucose monitoring protocols. At this time the systems in the countries allowing flying for pilots with insulin treated diabetes are applauded, particularly the USA for private flying, and Canada for commercial flying. Encouraging developments may be underway in the UK for commercial flying and, if this materializes, could be used as an example for other aviation authorities to help adopt similar protocols. However, new restrictions implemented by the new European Aviation Authority take existing privileges away for National Private Pilot Licence holders with insulin treated diabetes in the UK.