...APPLICATION FOR STATE EMERGENCY RELIEF Michigan Department of Human Services Case Name: Case Number: Date: DHS Office: Specialist: Phone: Fax: Specialist ID: Client ID: I hereby make application for the State Emergency Relief (SER) Program. I understand that the following information will be used in the determination of my eligibility for SER. If this application is for burial services, I understand that it must be received by the DHS office in my area no later than 10 calendar days after the burial, cremation or donation takes place. ADDRESS INFORMATION 1. 2. Check where you live: House/apartment/mobile home Homeless Other Address where you live (number, street, rural route, apartment/lot number) City 3. Mailing Address (if different from above, or PO box) City 4. Home phone State Cell phone Zip code County Work phone Whose phone number is it? (name/relationship) Email address State Zip code County Phone number where we can leave a message TDD/Other number Check the service(s) you are requesting and the amount needed to resolve the emergency – PROVIDE PROOF 1. Energy/Non-Energy Services 1a. 1b. Rent $ Security Deposit $ 1c. 1e. 1g. 1i. 1k. Moving Expense $ Electricity $ Water/sewer or cooking gas $ Taxes $ Home Repairs $ What Needs Repair? 2. 3. Burial services $ Migrant hospitalization $ 1d. 1f. 1h. 1j. 1l. Heat $ Furnace Repair $ Mortgage $ Insurance $ Food $ Deliverable fuel % HOUSEHOLD INFORMATION List below all members of your household, including...
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...However, what the government fails to make clear is the fine print that restricts many veterans from obtaining what should be rightfully theirs. For instance, the TSGLI insures that all veterans with a type of mental or physical disorder is covered with life insurance known as the SGLI program (U.S. Department of Veteran Affairs (2013) . Something that everyone seems to look past is the short term financial coverage (U.S. Department of Veteran Affairs (2013). Only having short term coverage can kill if not severely hurt a veteran’s life. Not only could the veteran run out of money trying to get better, but if someone is only covered for so long and is without work, he is liable to lose something he owns. Coming back from war, most veterans...
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...totally a different process and is new in the modern civilization, there is a lot of controversy regarding the preference of the process. People may think that ist is not teh way they should treat their loved one or they may think that its not the proper way to pay tribute to their loved ones after their death. But most of the Americans and others around the world are admitting that the process of cremation is a dignified and appropriate way of treating the deceased person because there is nothing wrong with the process and it is far cheaper a compared to the traditional funeral. It is the most cost effective way of treating the deceased person and can be a better option for those who are on a budget and need to avoid expensive, traditional burial expenses. Here is how cremation is a cheaper alternative to the traditional funeral: There is no need to arrange a casket or vehicle You will not have to bear the cost of a casket or coffin and also a special vehicle to take the dead body to the funeral service. Rather, you can hire a local van to take the dead body to the crematorium directly. This will save you a lot of money that is required to hire a special vehicle. Casket is not required because you are not going to bury the dead body in its actual...
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...would justify the treatment programs for African Americans. The name of the study was the “Tuskegee Study of Untreated Syphilis in the Negro Male.” This study would go on to last forty years. It was officially ended in 1972. The study included 600 black men. Only 399 actually had the disease. Contrary to popular belief, these men were not injected with the disease. They already contracted the syphilis bacteria in their daily lives. Of the 600 black men, 201 did not have the syphilis bacteria. This case was a classic discrimination case. The United States Public Health Services were blatantly dishonest with the subjects whom were all of minority descent. Researchers told the black men that they were being treated for bad blood, a condition that does not and has never existed. Bad blood was a local term used to describe several other unrelated aliments. The government enticed these subjects with promises of food, healthcare, and burial insurance. That burial insurance turned out being, “We will take the syphilis corpse, study it, and put it on display for researchers.” I feel that this study would have continued if the Associated Press would have uncovered the scheme and publicized it nationwide...
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...CASE STUDY Third-party motor insurance: Your premiums may see only modest hike By Preeti Kulkarni, ET Bureau | 20 Mar, 2015, 11.47AM IST MUMBAI: The insurance regulator has invited responses to a proposal to increase the third-party motor insurance premium by 14% to 108%. However, industry observers believe that the hike will not be so steep. "Like last year, the hike will be moderated. It may not go beyond 20%," said a senior executive[->0] of a private general insurance company. In February 2014, the Insurance Regulatory and Development Authority of India (IRDAI) had proposed an increase of 25-136% and 0.96-45% for private cars and twowheelers, respectively. However, the final hike was only around 20%. Third-party motor insurance is mandatory and protects the owner of the vehicle against any compensation sought by the victim of a road accident caused by the vehicle.There is no cap on the compensation that a victim can claim in case of an accident. But there is a cap on the third-party premium. Insurers want this cap removed so that they can charge according to the risk they undertake. "The regulator and insurers understand that they need to make a pitch for higher rates to get what they actually aim for. That is the reason why the proposed hike looks steep. It will be significantly watered down when the final rates are announced, " said a Mumbai-based insurance broker[->1]. Moreover, third-party component accounts for a small portion (10-20%) of your comprehensive...
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...The Federal gift tax is imposed on the right to transfer property by one person (the donor) to another (the donee) for less than full and adequate consideration. The tax is payable by the donor. If the donor fails to pay the tax when due, the donee may be held liable for the tax to the extent of the value of the property received Since the donor cannot pay or cannot be located, as in the this case, the IRS can pursue the donees for the tax under the doctrine of transferee liability. For individual who are neither residents nor citizens of the United States (i.e. nonresidents a liens, or NRAs), the Federal gift tax appliles only to gifts of property situated within the United States. Exempted, however, are gifts of intangibles, such as stock and bonds. For decedents who are nonresident aliens, the Federal estate tax is imposed on the value of property located within the United States. However, unlike the gift tax, the estate tax applies to stock in U.S. corporations. Mr. Kim's concerns are groundless. Except for property located within the United States, the Federal estate tax does not apply to nonresident aliens. The country in which a person happens to die has no relevance in regard to the application of U.S. transfer taxes. For NRAs, any gifts of properties (other than intangibles) located within the United States will be subject to the federal gift tax. Arturo could avoid any U.S. gift tax by having the children buy the properties in their own names. For decedents who...
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...medical professional will need to fill out the Pronouncement of Death form. Then arrangements will have to be made to move the body from its place of death. Finally, a death registration form must be completed and filed with the county in which the person died. And, if the person dies out of state (away from their home) or out of the country there are additional steps that will need to be taken. Pronouncement of death and transportation Registration of the death and death certificates Death out of state Death out of the country Transporting ashes Pronouncement of death and transportation Arrangements will need to be made to transport the body to a mortuary, crematory or the coroner’s office unless there is going to be a home burial service. However, before the body can be moved anywhere, a medical professional will need to complete a Pronouncement of Death form. The date and time on the form will become the official time of death. If it appears that the death was not from natural causes, the Coroner’s office will be contacted to see if an autopsy needs to be done. If the death occurs in a hospital: Someone at the hospital will complete the Prouncement of Death form. Federal law requires the person completing the Pronouncement of Death form to notify the hospital’s organ procurement staff. The organ procurement staff will talk with the family about the opportunity to donate organs or tissue. The hospital or a family member will call the funeral home...
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...Workers Compensation is actually a kind of insurance which offers cash compensation and healthcare for those who are hurt or get unwell as a result of your work. These types of insurance coverage is paid for from the employer; therefore, you do not require to contribute to Workers Compensation. When filing for Workers Compensation, it is advisable to look for aid from qualified Workers Comp lawyers. So , who is included by workers compensation? The Workers Compensation laws differ in each state, however in most states, organizations that has a certain array of staff are needed to have Workers Compensation Insurance. If you wish to receive compensation benefits, its probable you've been performing one of the job duties if the accident occurred....
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...[pic] [pic] [pic] ALICO (American Life Insurance Company) is among the largest international life insurance companies in the world. ALICO has operations in more than 50 countries, with its main presence in Japan, Europe, the Middle East, Latin America and portions of Africa and the Caribbean. Headquartered in Wilmington, Delaware, in the United States of America, ALICO is licensed and regulated by the Delaware Insurance Department, as well as by other jurisdictions around the world. ALICO's branches and subsidiaries provide a wide range of life and health insurance products through a network of approximately 28,000 agents and brokers. The product lines include traditional life, accident and health, group insurance for large and small organizations, pensions, and annuities. We invite you to browse our site to learn more about ALICO and what we have to offer. American International Group, Inc. (AIG) world leaders in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In addition, AIG companies are leading providers of retirement services, financial services and asset management around the world. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in Paris, Switzerland...
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...The Tuskegee syphilis study is an experiment conducted by the U.S. Public Health Service, to study the natural history of untreated syphilis. The purpose of study was to establish the treatment programs by investigating the effects of untreated disease. The selected 600 research participants with syphilis disease and non- diseased were selected. They were given free medical care, meals, and free burial insurance. However, the study was conducted without the benefit of patients’ informed consent. The researchers convinced local physicians not to treat the participants and not giving penicillin unless it was asked by participants. More than hundreds of people were died from this study. As for these reasons, the Assistant Secretary for Health...
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...Health Insurance Fraud By: WAHEED ALKHAMEES KHALED ALNAFEE Further Issues Hospital Administration PA 551 Master of Health and Hospital Administration (Parallel) King Saud University One:- Introduction Definition Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An insurer, or insurance carrier, is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount of money to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. Types of Insurance Services Insurance can take a number of different forms. Some of these types: Auto insurance Auto insurance protects the policyholder against financial loss in the event of an incident involving a vehicle they own, such as...
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...some tips to help you shop for funeral services: ●Compare prices from at least two funeral homes. Remember that you can supply your own casket or urn. ●Ask for a price list. The law requires funeral homes to give you written price lists for products and services. ●Resist pressure to buy goods and services you don’t really want or need. ●Avoid emotional overspending. It’s not necessary to have the fanciest casket or the most elaborate funeral to properly honor a loved one. ●Recognize your rights. Laws regarding funerals and burials vary from state to state. It’s a smart move to know which goods or services the law requires you to purchase and which are optional. ●Apply the same smart shopping techniques you use for other major purchases. You can cut costs by limiting the viewing to one day or one hour before the funeral, and by dressing your loved one in a favorite outfit instead of costly burial clothing. ●Shop in advance. It allows you to comparison shop without time constraints, creates an opportunity for family discussion, and lifts some of the burden from your family. 3 The FTC Funeral Rule The FTC enforces the Funeral Rule, which makes it possible for you to choose only the goods and services you want or need and pay only for those you select, whether you are making arrangements when a death occurs or pre-need. The Rule allows you to compare prices among funeral homes. The Rule does not apply to third-party sellers...
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...Microinsurance delivery channels Insurance culture can be developed by two important elements, understanding and trust. To be able to be aware of the positive effects of MI people need to be able to understand the product and to identify the need for it .As Michal Matul of MI innovations facility clearly explains some of the barriers,’ In most of the developing countries , low income clients think they do not need insurance they do not trust insurance , they do not understand fully the risk pooling concept and strongly believe that the insurance is just for the rich and they do not have enough resources to pay for it’ A variety of channels are needed to reach the target groups largely depending on the literacy levels of our future customers. Religious institutions: Many religious institutions have been in the market specially in sub-Saharan Africa for funeral insurance and South Asia for savings services.A few examples are as follows: Takaful/Indonesia: An Islamic insurance system:Takaful meaning joint guarantee in Arabic complies with the Arabic law. Interest rates, gambling, uncertainty of profits and losses are avoided as they are deemed unislamic.Growth rate was 5% 2004-2007 according to Swiss Re.Allianz Indonesia ‘Payung Keluarga’(family umbrella) offers a microtakaful life insurance which is distributed through MFI’s to its lenders which provides coverage in case of the death of a bread winner. According to the study done by the insurance provisions in the world’s 100...
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...BA 310 Case Study #1 In any business instances whether it be directly dealing with money, or any type of contract or agreement it is imperative to have trust between the two parties. This is to ensure that the process is successful and handled correctly. In the case study Madoff gained an insane amount of investors by promising them they would have a guaranteed return on their investment. Later on, the investors figured out that the money they invested was in fact put towards a fake company resulting in no return on the investment after all. Greed is very apparent in this study as shown all throughout the case. Greed is the obsessive desire to want money far beyond the basic survival and comfort. This definition sums up Madoff and his ill intentions completely. Ponzi schemes are still very prevalent in today’s society. Although the consequences of the scheme are very harsh and scary, the con artist still believe they are able to come out with a better outcome if they follow through with the scheme. Ponzi scheme’s are a form of fraud in which belief in the success of a nonexistent enterprise is fostered by the payment of quick returns to the first investors from money invested by later investors. Charles Ponzi first introduced the Ponzi scheme to the American public. Simplicity] is the trait that seems to make all of this easier and more gullible to believe. There have been several people that attempted to this act of scheming. Martin Frankel...
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...beneficiary is a person entitled to receive the proceeds from a life insurance policy. There is potential friction between actual people in your life and legal constructs defining those people. Thus, naming a beneficiary is more complicated than it might initially seem. Basic Definition Investopedia tells us that A beneficiary is any person who gains an advantage and/or profits from something. But, especially for purposes of life insurance, a beneficiary is really two seemingly identical, yet fundamentally different things: A person qualified to receive the proceeds of the policy. The person named in the paperwork. The potential friction between these two things makes the answer to this question far more complicated than it might seem. For example, to your mind, saying "my wife" or giving her full legal name (such as "Sally Ann Smith") may...
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