insurance companies
insurance companies

Cut off long-term disability in British Columbia? 3 things you must do

Long-term disability (LTD) benefits provide British Columbians who can’t work due to an illness or permanent injury with a crucial financial lifeline.

Instead of worrying about paying bills or putting food on the table, individuals are able to focus on their health and recovery.

Unfortunately, British Columbians are often cut off LTD benefits while they are still disabled – affecting their ability to get better and potentially worsening their condition.

READ MORE: Can my insurance company cut off my long-term disability benefits after I have been approved?

In many cases, insurance companies don’t have a legitimate reason for doing so. The reality is that insurers profit by denying disability claims and keeping your money.

If you have been cut off from LTD benefits in B.C., don’t lose hope. Here are three things you need to do.

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1. Ask your insurer to provide their decision in writing

In our experience, insurance companies often tell individuals over the phone that their disability benefits will be, or have been, cut off.

While most insurers send a denial letter after the call, don’t take any chances. Before hanging up, ask your case manager to provide you with the reasons for the decision in writing.

In addition to explaining why you are being cut off from LTD benefits, the denial letter should address the appeals process and the limitation period within which you can pursue a legal claim.

READ MORE: 3 reasons you shouldn’t appeal a denied long-term disability claim

As soon as you receive your insurance company’s decision in writing, contact an experienced disability lawyer at Samfiru Tumarkin LLP.

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Once we are formally hired to represent you, we can use the law to get your insurer to disclose every document relevant to your case. This

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How John Robin Law Can Help You Get Fair Compensation After a Car Accident

Car accidents can be traumatic and life-changing events. In addition to the physical injuries, there are often emotional and financial consequences that can last for years. If you have been injured in a car accident, it is important to hire a skilled car accident lawyer to help you navigate the complex legal system and get the compensation you deserve. John Robin Law is one of the most experienced and reputable car accident law firms in the country, and they are dedicated to helping clients get fair compensation for their injuries.

What Sets John Robin Law Apart?

John Robin Law has been helping car accident victims for many years, and they have a proven track record of success. They have a team of skilled lawyers who are well-versed in all aspects of car accident law, including personal injury, insurance claims, and liability issues. They understand that every case is unique, and they work closely with each client to develop a customized legal strategy that is tailored to their specific needs.

One of the things that sets John Robin Law apart from other car accident law firms is their commitment to client satisfaction. They understand that their clients are going through a difficult time, and they do everything they can to make the legal process as smooth and stress-free as possible. They also offer a no-win, no-fee guarantee, which means that clients only pay if they win their case.

How John Robin Law Can Help You Get Fair Compensation

If you have been injured in a car accident, it is important to hire a car accident lawyer who can help you get fair compensation for your injuries. John Robin Law has a team of skilled lawyers who can help you

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Dutch health insurance & Health insurance companies

In general, if you come to live and/or work in the Netherlands, you are insured under the Long-Term Care Act (Wlz). If you are insured under this act, you are obliged to take out Dutch health insurance.

Expats from outside the EU, EEA or Switzerland who arrive in the Netherlands must take out Dutch health insurance within four months of receiving their residence permit, even if they have an existing foreign policy. EU, EEA or Swiss nationals who are working in the Netherlands must take out Dutch health insurance within four months of registering at their city hall.

Main health insurance companies in the Netherlands

Below a list of the main Dutch and international health insurance companies:

Dutch health insurance companies

International health insurance companies

Dutch health insurance package comparison

To compare Dutch health insurances and prices visit Zorgwijzer (website in English) or Independent.

International students and Dutch health insurance

International students are not always obliged to take out Dutch health insurance. Whether they are required to or not depends on several factors such as the duration of their stay, if they are doing an internship or working, and whether they have insurance in their home country. Learn more about Dutch health insurance for international students.

Health insurance options for foreign students

For foreign students, especially those staying temporarily, in the Netherlands there are three main health insurance options:

  • Take out Dutch health insurance.
  • Have an EU Health Insurance Card if you are an EU citizen.
  • Have private healthcare insurance from your country of origin.

LoonZorg offers 2 insurance options that will cover most of international students’ unforeseen care expenses. Check out their Student Insurance Policies!

The Dutch health insurance system

In contrast to many other European systems, the Dutch government is responsible for the accessibility

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Dog Bite Accident: 5 Tips For Correctly Filing A Personal In…

(MENAFN- Robotics & Automation News) Dog Bite Accident: 5 Tips for Correctly Filing a Personal Injury Claim

March 18, 2023 by mark allinson leave a comment

Personal injury claims cover a variety of bases, as one could be injured in several ways. Hence, personal injury law covers various accidents, from vehicles to dog bites. Every accident is unique, and for that reason, no two cases are handled the same way.

Personal injury claims depend on the severity of the accident, who was at fault, and the context of the events leading up to the accident. Given the situation’s complexity, you must consider hiring legal advocates like the dog bite experts at michigan injury lawyers to guide you through the legal process.

Here are some tips you need to file a personal injury claim correctly.

1.Seek Medical Advice

If you have been in a car accident, the first step must be to seek medical help. You must consult a professional to ensure you are physically and mentally well.

Seeking medical help ensures your health is checked and aids the claims process. You can build a solid personal injury case with physical evidence, such as medical reports and documents.

2. Document the Accident and Your Injuries

You must provide evidence of the accident and your injury to file a successful personal injury claim. This can include photographs of the accident scene, medical records and bills, and witness statements.

After the accident, it’s essential to record what happened throughout. This evidence and witness statements ensure you have a strong case and enough documentation to get you the compensation you deserve.

Be sure to document everything related to the accident and your injuries, including any pain and suffering you have experienced.

3. Contact a Personal Injury Lawyer

Most people assume they can go through

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Report: Health Insurance Should Cover Non-Medical Services

Medical care makes up just a fraction of what determines a person’s health, and a new study makes the case that Medicaid in Texas should support non-medical services because of their health impacts and return on investment. While medical experts and public health officials have long been touting the importance of the social determinants of health, the report from Episcopal Health Foundation and the Center for Health Care Strategies provides some hard evidence about why these services should be funded in the Lone Star State.

Healthcare leaders always want issues addressed upstream. Early cancer detection results in better outcomes and is less expensive to treat, and a healthier lifestyle can often prevent diabetes. In recent years, other non-medical services have been added to the conversation. Social, educational, safety, transportation, and food security majorly impact a person’s mental and physical health. If a program like Medicaid (or commercial health insurance) prevents downstream medical costs, it only makes sense to use those funds to address all the factors that impact health, especially if they are less costly than hospital procedures and expensive medication.

“Medical care makes up about 20 percent of what determines a person’s health, yet right now we spend almost all health dollars – including Medicaid – treating conditions medically and not preventing disease outside the exam room,” said Dr. Ann Barnes, a physician, and CEO of Episcopal Health Foundation via release. “We have to change the way we think about health and how we pay for it. The report shows how things could change for the better in Texas.”

The organizations that administer Medicaid benefits can experiment with how they use government funds to improve the health of their clients. The Centers for Medicare and Medicaid Services has been more open to its funds being spent on

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Changes to personal injury law rules mean firms must be strategic: innovation forum webinar panel

Increasing use of in-house counsel by insurance firms

In the past, personal injury lawyers and insurance defense lawyers (often external) would look at how much it costs to settle claims and compare it with the costs of going to trial, said Sutton, who used to practice insurance defense law before switching sides. However, the trend he has noticed since at least 2015 has been for insurance companies to rely more on in-house counsel to deal with claims, “and that has really changed the dynamics.”

Insurance companies have also started adopting a more standardized approach to how they would deal with files, “and some of them have decided to really play hard,” Sutton told the forum webinars, saying many are taking cases to trial with in-house lawyers. One reason is the use of paid counsel; the other is a desire to take stronger stands “in uncertain cases they feel they are defensible.” In some cases, they may choose to resolve faster. Others want to see “how long can you keep you and your client going.”

Yoni Silberman, a partner with Bogoroch and Associates in Toronto, added that she feels that in the past, there was more room to negotiate in mediation or pre-trial sessions. “You’d feel as if you were . . . debating issues of law with counsel,” she said, and the opportunity to persuade.

Moving more cases in-house “has really empowered the insurance adjusters,” she said, “because they are relying on a strategy,” making them more willing to take a rigid stand. Often, it’s the insurance claims representative making the final decisions, she said, begging the question, “Why did you come here with a lawyer in the first place? . . if you are not going to hear from people who are spending their time in

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Best Health Insurance Stocks to Buy in 2023

Investing in companies that offer essential products and services can be a smart wealth-building strategy. Like it or not, health insurance ranks as one of the most important necessities for Americans today.

What are the top health insurance stocks to watch? And, what do you need to know before investing in them? As the major health insurers might say, “We’ve got you covered.”

Health insurance document, stethoscope, and bills.

Source: Getty Images

Top health insurance stocks for 2023

Here are four publicly traded health insurance companies and one exchange-traded fund (ETF) likely to perform well this year:

1. UnitedHealth Group

UnitedHealth Group (UNH -0.53%) ranks as the biggest health insurer in the world by far. Its UnitedHealthcare business unit offers health plans for employers and individuals and is also a major player in the market for Medicare Advantage, Medicare supplemental plans, and Medicaid.

The company’s Optum business segment provides information- and technology-enabled health services, including OptumRx pharmacy benefits management (PBM) services. While UnitedHealthcare generates more than three-fourths of the company’s total revenue, Optum is the bigger growth driver for UnitedHealth Group.

Optum could soon grow even larger. It plans to acquire home health provider LHC Group (NASDAQ:LHCG) for $5.4 billion this year. Optum already owns primary care and ambulatory surgery center facilities. The move into home health is a natural next step. However, the deal must first be approved by regulators.

2. Anthem

Although Anthem (ANTM -1.14%) is only a fraction of the size of UnitedHealth Group in terms of market capitalization, it’s still one of the largest health insurers. Anthem operates Blue Cross and/or Blue Shield plans in 14 states but is licensed to sell health insurance throughout the country.

It competes in the same arenas as UnitedHealth Group, with offerings that include employer-sponsored and individual health plans, Medicare Advantage, Medicare

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DNI awarded Health Insurance Company of the Year by Business Tabloid

Dubai, UAE: Dubai National Insurance (DNI), one of the leading Insurance Companies in Dubai, has been awarded ‘Health Insurance Company of the Year’ by Business Tabloid. The Annual Business Tabloid Awards recognizes and honors companies that strive to establish the finest organizational culture in their domestic and international economies. Business Tabloid is committed to identifying the most impactful businesses in critical industries, including insurance, banking, finance, technology, real estate, utility and energy leadership, transport, and logistics. A panel of industry experts selected the winners from a pool of highly qualified nominees.

Mr. Abdulla Al Nuaimi, Chief Executive Officer of Dubai National Insurance (DNI), said, “It was an honor to win the ‘Health Insurance Company of the Year’ Award by Business Tabloid. Our sincere gratitude goes to the hard-working organizers and the judges who facilitated a rigorous vetting process to ensure nominees are screened based on their merit in their efforts to foster and encourage businesses supporting the social and economic development of the UAE.”

He added: “At DNI, we have a long and reputable history of providing unique and bespoke health insurance solutions for individuals, SMEs and large corporate accounts coupled with innovation and technology. Our passion for our customers is underpinned by our earnest commitment to cultivating the well-being of our employees, all of whom are committed to designing the best healthcare solutions that cater to our client’s requirements and budgets while providing maximum benefits. This accolade and the growing recognition the company has received is a testament to our commitment to business growth and excellence.”

DNI is backed by the world’s top reinsurers, including Swiss Re, SCOR and Munich Re. Overall, DNI has grown by more than 25%, and the company remains optimistic about completing the year at a higher growth rate as we continue to cultivate strategic

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1.4 million people in the Netherlands switched health insurers for 2023

A whopping 1.4 million people in the Netherlands switched health insurance companies at the end of 2022 – the highest number recorded since the introduction of the current healthcare system in 2006.

High premiums push customers to swap insurance plans or companies

Last year on Prinsjesdag, the Dutch government announced that the price of health insurance would increase by around 11 euros a month from January. While companies like DSW stayed below the guidelines set out in the government’s budget, some people in the Netherlands have seen their insurance premiums rise even more significantly.

Record-breaking number of people switch to new insurance company

Preliminary figures published by Zorgverzekeraars Netherlandsan umbrella organization representing 11 Dutch health insurance companies, has revealed that in the lead-up to the deadline of December 31, a whopping 1.4 million people in the Netherlands switched insurance companies, amounting to around 8 percent of the population.

This marks a significant increase compared to previous years, when the total was between 6 and 7 percent. In fact, the knowledge center Vetkis reports that the figure for 2022 is likely to rise to between 8.1 and 8.5 percent, as some customers have until the end of January to sign up for a new plan.

According to Zorgverzekeraars Netherlands8 percent already marks the highest proportion of the population to switch insurers since the introduction of the current healthcare system in 2006, setting a new national record.

Thumb: Martin Bergsma via

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Bupa Arabia brought glory to the Saudi health insurance sector

  • Tal Nazer: Bupa Arabia faced great challenges, which he succeeded in dealing with and became a leader in the insurance sector.
  • Harvest Awards 2022: Bupa Arabia wins 23 categories from 12 regional and local awards, including 3 categories of the Health Insurance Excellence Award
  • Expectations of the growth of the health insurance sector in the Kingdom to more than SR60 billion by 2030

Jeddah: As Bupa Arabia for Cooperative Insurance celebrates a quarter century of health service in the insurance sector in Saudi Arabia, it looks back with pride on the journey that it has traveled since its inception in October 1997. For 25 years, it served the Kingdom as one of the leading insurance companies contributing to the development of the sector at all levels, through the distinguished healthcare services for millions of its customers.

Bupa Arabia led the sector in adopting digital transformation, making it the main focus of its business, in line with the Executive Program of Vision 2030 related to improving the quality and efficiency of health services, and in accordance with the company’s strategic vision.

These remarkable efforts helped it win several awards and nominations, locally and regionally — the most recent of which is the Health Insurance Excellence Award by the Health Insurance Council in 2022.

The health insurance journey

Saudis began having insurance experience in the 1940s when the first marine insurance system was launched. However, with the boom in the economy, several agencies and branches of international insurance companies began operating in the 1970s.

Bupa Arabia played a major role in the development of the insurance sector by providing the highest levels of innovation in products and services, organizing campaigns and awareness events, and was at the forefront of insurance companies that paid great attention to digital transformation.

Also, it led

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