Friday, December 30, 2011
Insurers Pay $53 Million in Death Benefits After New York Probe
Life insurers paid $52.6 million in death benefits after New York’s banking and insurance regulator forced the companies to use government data to identify cases where they hadn’t paid claims.
Almost 8,000 beneficiaries received the money, according to a statement today from the New York Department of Financial Services. Claims are being processed on an additional 27,889 polices for which matches were found. About 1 million policies need further checking as a result of the department’s probe, according to the statement.
Insurers have faced increased scrutiny from regulators in Florida, California and other states over unpaid death benefits. MetLife Inc. (MET), the largest U.S. life insurer, took a $117 million charge in the third quarter related to unpaid death benefits, while American International Group Inc. (AIG) added about $100 million to reserves in the second quarter after changing its process for determining when policyholders die.
“Our findings clearly show that matching life insurance policies against a comprehensive list of recent deaths is essential to ensure that all beneficiaries receive the benefits they are owed,” Benjamin Lawsky, superintendent of the Department of Financial Services, said in the statement.
The regulator said it July it was directing the 172 life insurers and fraternal benefit societies licensed in the state to use U.S. Social Security Administration death records or other data to identify deceased policyholders.
The longest wait for a payment was connected to a policyholder who died in 1970, according to the statement. The largest award so far was $673,485. Insurers must provide interest on delayed payments, the department said. Data were released today as part of the regulator’s first interim report on the benefits.
Almost 8,000 beneficiaries received the money, according to a statement today from the New York Department of Financial Services. Claims are being processed on an additional 27,889 polices for which matches were found. About 1 million policies need further checking as a result of the department’s probe, according to the statement.
Insurers have faced increased scrutiny from regulators in Florida, California and other states over unpaid death benefits. MetLife Inc. (MET), the largest U.S. life insurer, took a $117 million charge in the third quarter related to unpaid death benefits, while American International Group Inc. (AIG) added about $100 million to reserves in the second quarter after changing its process for determining when policyholders die.
“Our findings clearly show that matching life insurance policies against a comprehensive list of recent deaths is essential to ensure that all beneficiaries receive the benefits they are owed,” Benjamin Lawsky, superintendent of the Department of Financial Services, said in the statement.
The regulator said it July it was directing the 172 life insurers and fraternal benefit societies licensed in the state to use U.S. Social Security Administration death records or other data to identify deceased policyholders.
The longest wait for a payment was connected to a policyholder who died in 1970, according to the statement. The largest award so far was $673,485. Insurers must provide interest on delayed payments, the department said. Data were released today as part of the regulator’s first interim report on the benefits.
Thursday, December 29, 2011
Tuesday, December 20, 2011
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Monday, December 19, 2011
With the economy down the need for doctors has increased
It's very interesting how there's a relationship between the economy and our health.
It make sense because most people don't worry too much when the economy is great and there is money and everyone has a job that wants one. But now when the economy is down millions are losing their jobs and millions more are starting to increase their levels of stress.
Stress is what kills the body. Or allows the toxins and disease to set in which in turn attack your body. Now is a time more then ever to see your doctor. They have the ability to monitor your bodies level of stress and ability to fight off disease.
With any medical visit there is a high chance you'll walk away from the office with a prescription in hand. The number of Prescriptions are up, not because Doctors are trying to make more money, but because the number of people feeling stressed and under the weather is increasing.
Drug companies are the winners here. Because even during a down economy they have the monopoly on prescription drugs. They don't have to adjust their prices...you'll pay for them one way or another, because they are life saving.
Why then go to your local pharmacy where they can't really help you on price. Why not have your Prescriptions filled and shipped directly to your house at 40-90% OFF...that is HUGE savings...
With the "baby boomers" growing older more and more prescription drugs are going to be needed...and with demand up, drug companies are going to be increasing costs as a way to insure their future when the "baby boomers" are no longer around.
Why not order your parents prescription drugs for them and save them $1,000/month? This is a great way to not waste money away from your inheritance...
Order from a trusted source. Know that the drugs you get are exactly the same kind as you would get in your local pharmacy, but without the huge price. Save money and Save lives! Order today with a complete guarantee...
It make sense because most people don't worry too much when the economy is great and there is money and everyone has a job that wants one. But now when the economy is down millions are losing their jobs and millions more are starting to increase their levels of stress.
Stress is what kills the body. Or allows the toxins and disease to set in which in turn attack your body. Now is a time more then ever to see your doctor. They have the ability to monitor your bodies level of stress and ability to fight off disease.
With any medical visit there is a high chance you'll walk away from the office with a prescription in hand. The number of Prescriptions are up, not because Doctors are trying to make more money, but because the number of people feeling stressed and under the weather is increasing.
Drug companies are the winners here. Because even during a down economy they have the monopoly on prescription drugs. They don't have to adjust their prices...you'll pay for them one way or another, because they are life saving.
Why then go to your local pharmacy where they can't really help you on price. Why not have your Prescriptions filled and shipped directly to your house at 40-90% OFF...that is HUGE savings...
With the "baby boomers" growing older more and more prescription drugs are going to be needed...and with demand up, drug companies are going to be increasing costs as a way to insure their future when the "baby boomers" are no longer around.
Why not order your parents prescription drugs for them and save them $1,000/month? This is a great way to not waste money away from your inheritance...
Order from a trusted source. Know that the drugs you get are exactly the same kind as you would get in your local pharmacy, but without the huge price. Save money and Save lives! Order today with a complete guarantee...
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What it costs to be healthy!
The Average American will probably spend about $3,500 in 2009 on Health Care. (Not including long-term care costs.) That's a crazy 23% of their annual income. And the percentage is just getting bigger and bigger as the Baby Boomer generation retires and cuts back on their income potential.
Prescription Drugs will take about 22% of that income. Imagine spending over 40% on keeping yourself Healthy and Alive. Most Americans are just buying the Essential Drugs needed to keep life somewhat without pain and are passing each day as it comes.
Close to 40 Million Americans don't have sufficient coverage in Medicare to afford those Essential Drugs needed to survive.
NOW there's an Option! Shop your Essential Drugs and save 40-90% OFF regular prices. Imagine getting them shipped right to your door the exact same drugs your family doctor prescribes.
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Prescription Drugs will take about 22% of that income. Imagine spending over 40% on keeping yourself Healthy and Alive. Most Americans are just buying the Essential Drugs needed to keep life somewhat without pain and are passing each day as it comes.
Close to 40 Million Americans don't have sufficient coverage in Medicare to afford those Essential Drugs needed to survive.
NOW there's an Option! Shop your Essential Drugs and save 40-90% OFF regular prices. Imagine getting them shipped right to your door the exact same drugs your family doctor prescribes.
What could you do with 40-90% Savings? Actually pay your bills? Actually survive this economic downturn in American History.
Visit this blog for the Top 10 most prescribed drugs on the market!
This website is completely FREE to use! Search your Essential Drugs. Share it with your friends and family! Save money and Save time! Buy all your necessary drugs online.
And after ordering your drugs you'll receive monthly emails when there are special sales on your selected drugs. Saving you even more!
Start now to live a better life!
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