36 Burst results for "Insurance Companies"

Future-Proofing the Digital Health Ecosystem

Outcomes Rocket

01:45 min | 2 d ago

Future-Proofing the Digital Health Ecosystem

"Health is becoming front and center and for very good reasons so talk to us a little bit about virtual health. How are you guys adding value to the ecosystem. I mean just to complete the story of how. I got the jump from aging in place to healthcare as you mentioned in the introduction i mean i have a family member asked away for late stage diagnosis and that was my first exposure to the healthcare industry. I found it extremely frustrating experience as many people. Do and the one thing when the you know the individual ultimately ended up passing away. And i think the one thing that i really had difficulty with was the first one was high risk. There were forty year. Smoker ended up having lung cancer. You would think that if you're proactive in healthcare you would suggest maybe a just a basic x ray lung x ray right and if you've been able to discover this early you know that person still beer which is obviously the most important thing but i also have spent we also have saved the Health systems and the amount of time spent the waiting rooms and dealing with chemo. And the amount of money and resources were taxed from from a system that's over and then having the insurance companies spending millions of dollars for end of life care when it again. If they had been proactive. It wouldn't have had to spend that money right so for me. It was just a very simple concept of if all of our incentives are aligned. And we're all lying to find conditions early especially in high risk populations in. Why aren't we being proactive. And white we all work together. So that was my my impetus to start virtual health inspiration which was basically the technology that we're using for aging place it also could be utilized for any type of high risk ovulation. Obviously the elderly in a part of apple also people who are underprivileged underserved and using data to essentially detect those high risk individuals and intervene at the proper moment to save healthcare system. Money and time.

Lung Cancer Apple
Fresh update on "insurance companies" discussed on Jim Bohannon

Jim Bohannon

00:37 min | 7 hrs ago

Fresh update on "insurance companies" discussed on Jim Bohannon

"Unfortunately, a lot of American corporations and I wouldn't have believed this to the degree that I found it when we left the service. Were under investing in kind of well known security practices. They wouldn't skimp on it. It was physical security if it was locks and doors and cameras. They did skimp on because it was cybersecurity with computers. This is geek stuff. This is the it department. Yeah, well, this is also this is also things that will cost you money. Quick thought her. We must take a break and we'll be back with more. But I would simply note that are there briefly are their insurance policies for this kind of thing? There are there are okay at that point as we go to the break. Let me simply note that there should be a law passed that says that if you employ lousy security procedures, the insurance company should legally be able to tell you to stuff it. They're not going to pay off. We'll be back in a moment. Broken bricks. Falling fences damaged doors. Uh, gorilla glue. Of course, Gorilla Glue is incredibly strong. 100% waterproof and bonds virtually everything gorilla glue for the toughest jobs on Planet Earth. Liberty Mutual insurance Company presents..

100% Liberty Mutual Insurance Compa Planet Earth American
Understanding User Intent with Openstream's Raj Tumuluri

VOICE Global 2021

03:18 min | 4 d ago

Understanding User Intent with Openstream's Raj Tumuluri

"We're trying to see how we can understand what the users to intent our goal is as opposed to just literally following what. The user is asking the guessing point. Let's take the case of a health insurance company offering this this kind of an assistant what you tend to their members so the member could could be interested in knowing whether there are are there any court centers nearby so the literal answer for that would be yes that off a note that should really satisfy the constraint and maybe a slightly better You know what would say. They're not three which three geico does nearby ensure them probably on the map but nothing beyond that but if you go beyond that in understand true goal of the end user as to why they asked this question what we call as goal based i log model so optique scientists is actually dr phil cohen. Since you mentioned city he was the original one that that helped write the city from with adam shot and he is so out of bag on the foundation so strong in that space so we are on to the next level which is goal based dialogue engine. So when you ask this question so we kind of understand the plan of the user. The battle of the user is not to merely know Percents nearby but rather like to probably go there and get tested so when that is the case you have to be a good watch losses to insured basically understand okay to find out which ones are closest and then try to find out more information about them whether the renew obstacles in executing the plan of the end user for example if the it could simply say that there are three close by the nearest one is one way but that doesn't have any appointments but the next one these twenty minutes a day and that take walk ins. Shall i get actions for that. And that would be a really powerful thing and this you should be able to do the script fashion. We are not playing to cord and like most other people do are just follow Prompts so that this has an approach and then when you apply that to since pledged up on the insurance domain the policy documents other things tend to be really complex and they're kind of Oftentimes they're legally binding so a lot of language. Therefore you know is is not something that is easy for a common man understand. Why a lot of information could be presenting those documents. You still have to call the are calling your health healthcare payer to get an approval for for the next procedure or next bragged that you're trying to play take or you want to find out why your claim is Declined or your naoko. Claim of property claim in trying to find out what. Your limits are You know whether the whether you have got the plane processed so all these things Required knowledge of knowledge and relationships among various entities present in these documents so one should be able to glean from that The information and and kind of pro dancers To to the end users without requiring in law data staff to sit there and write a lot of ccording to expect these documents so we tied to automate that process

Dr Phil Cohen Geico Adam
Chinese State Media Indicates China Is NOT Banning Crypto Trading

The Breakdown with NLW

01:34 min | 2 weeks ago

Chinese State Media Indicates China Is NOT Banning Crypto Trading

"What's going on guys. It is thursday. June third and today we are talking about why chinese state media is indicating that china has not in fact. Banned crypto. i however let's start with a quick update on ransomware. Since i dropped that episode. Yesterday i've had numerous people. Send me articles and media accounts blaming the ransomware epidemic. On bitcoin or crypto in general. Npr called it the oxygen behind the surge so unfortunately my very easy prediction of ransomware. Being next bitcoin seems coming to pass. But i also wanted to share an interesting take. I saw from a couple of folks that was really well put by andy edstrom author of why bitcoin he tweeted bill gates becomes multi-billionaire by shipping insecure software. Us government pays hackers for zero day exploits and keeps them instead of telling software companies to patch them. Equifax loses one hundred million plus identities in stock all time high. What will solve this other than ransomware. Basically the idea that. I think that indies going for is that ransomware is the natural market byproduct of insecure software by the same token however it creates the financial incentive for that software to be in a world of ransomware. The cost of buying or building insecure software. Go way up. Which presumably give the advantage to less explainable software. Yesterday we also talked about the impact that ensures playing this potentially making companies more willing to pay ransoms because they know they'll be covered however insurance companies seem to be making moves so that might not be the case or at least it won't be that easy.

Andy Edstrom NPR Bill Gates China Us Government Equifax
Camp Hell: Anneewakee, A Breeding Ground for Child Abuse

Camp Hell: Anneewakee

02:28 min | 2 weeks ago

Camp Hell: Anneewakee, A Breeding Ground for Child Abuse

"By the mid nineteen seventies and awake. He had established itself as a successful program. Troubled youth in georgia the center had secured its medical license which allowed the collection of third party payments from insurance companies and was now having patients referred there from the court system as well as other learning centers lewis petr supposedly restricted for making contact with any patients was still keeping his office on campus grounds. Any oversight at the time had slip through the cracks of state government and the roman patients at was growing exponentially. Carl moore was one of these patients. He was admitted in one thousand. Nine hundred seventy seven. After seeing the result of his brothers reform their carl's family had a particular connection to enter wakey. his mother was involved in number of schools in atlanta. That would often refer children to the program in douglasville anyway keys. Reputation had put the program at the top of the list for educators to send children who were beyond the scope of their help. Here's chris mcknight a former patient who was referred to an wakey from the new school. A program headed by carl's mother tweety more. My father pulled me out of the school. I was going to editor mea the tweety more school the new school i was there for a couple months and at the new school. I met a couple people that i was at anna wakey with that were at her school. Post and wakey so as it turns out tweety more recommended analytic. It's not just me but to a lot of other kids. My feelings with tweety is. I don't think she knew about the abuse. Sedano achey i've known tweety. Since i was a little kid i mean she's she's passing our soul a number of former patients. I've interviewed said they were referred to in a wakey from other schools in similar ways where did spread throughout learning centers in georgia and neighboring states. That anna wakey was a solution for troubled kids who didn't have a place elsewhere. Now that anna wakey was officially licensed medical hospital. It was also receiving patients who were wards of the state of georgia and other neighboring states like alabama. This all amounted to a large increase in the number of patients. Enrolling anna wakey was running out of room.

Lewis Petr Carl Moore Anna Wakey Chris Mcknight Tweety Carl Georgia Douglasville Sedano Atlanta Alabama
Prosecutor in Trump Criminal Probe Convenes Grand Jury to Hear Evidence, Weigh Potential Charges

Morning Edition

02:49 min | 3 weeks ago

Prosecutor in Trump Criminal Probe Convenes Grand Jury to Hear Evidence, Weigh Potential Charges

"And I'm Rachel Martin. Good morning, Manhattan's district attorney has convened a grand jury to consider evidence in a criminal investigation. I could indict former President Donald Trump or other members of the Trump Organization. The grand jury will sit for six months, three days a week, looking into whether Trump lied about assets to defraud insurance companies and banks. News was first reported by The Washington Post and has not yet been confirmed by the prosecutor's office. William Merritt from member station W. And my see in New York is here to talk about it with us, Hialeah. Good morning. What does convening a grand jury tell us about where the D A. Cyrus Vance is with this case. Well, let's just say it is such an extraordinary situation. Usually the grand jury process plays out completely in secret. You never know what's happening. But as we have seen, nothing ever unfolds in the expected way, when it comes to Donald Trump and the courts, so this entire probe is played out. In partial public view, and that's in large part because Donald Trump tried to block it every step of the way, forcing prosecutors to go to court to get the records they were seeking. This probe went to the Supreme Court twice and prevailed both times. And along the way, there have been leaks and just very intense media coverage. So this special grand jury will be a panel of men and women, ordinary citizens being presented with evidence of potential wrongdoing at the Trump Organization and potentially related to Donald Trump. Cording to the Washington Post is you say the grand jury will be impaneled for six months, meaning three days a week. Now it's district Attorney Cy Vance may ask the special grand jury for an indictment. Or he may just use it to gather evidence and corral witnesses. But either way, it's a very meaningful step forward for that investigation. We know that advances office one access to former President Trump's tax records. Based on that. What? What do we know about the possible crimes that looking at here? The ones that he has named in his court filings are scheme to defraud falsification of business records, insurance fraud and criminal tax fraud on he said that it could go further than that what we know about the business practices. Underlying those possible crimes really begins with the hush money scheme to silence to women who claimed they had affairs with Trump around the 2016 campaign. You'll recall that former Trump personal attorney Michael Cohen went to jail for his role in that scheme, but no one else was ever charged. From there. Vance reached further back in Trump business history following a pattern described by Michael Cohen of either understating or overstating either the value or revenues of the trump business to get bigger loans if he was talking to banks. Or small tax bills If he was talking to the government now, to be clear, both Trump the man and Trump the business are investing under investigation. This probe could result in charges against Trump or people close to him or the business

Donald Trump Trump Organization Rachel Martin William Merritt Cyrus Vance The Washington Post Cy Vance Hialeah Manhattan President Trump Supreme Court New York Michael Cohen Vance
$9M Settlement for 2 Men Wrongfully Sent to Death Row

AP News Radio

00:46 sec | Last month

$9M Settlement for 2 Men Wrongfully Sent to Death Row

"Hi Mike Rossi a reporting a nine million dollar settlement is reached for two men wrongfully sent to death row in North Carolina two intellectually disabled half brothers who spent decades behind bars in North Carolina after being wrongfully convicted in the nineteen eighty three killing of an eleven year old girl will split a nine million dollar settlement lawyers representing former Robeson county sheriff's deputies James lock we're and kind of see we agreed in federal court to the settlement with Henry McCollum and Leon brown county attorney rob Davis told the news and observer of Raleigh insurance companies that cover the sheriff's office will pay the settlement McCollum and brown were released from prison in twenty fourteen after DNA evidence exonerated them and pointed to a convicted murderer who lived next door to the victim hi Mike Rossio

Mike Rossi North Carolina James Lock Henry Mccollum Leon Brown Robeson County Rob Davis Raleigh Mccollum Brown Mike Rossio
Clubhouse beta finally arrives on Android

Daily Tech News Show

02:03 min | Last month

Clubhouse beta finally arrives on Android

"The national association of attorneys general sent a letter to facebook. Ceo mark zuckerberg asking him to abandon plans to launch a version of instagram for kids under thirteen. The letter was signed by attorneys general from forty four. Us states and territories saying facebook has historically failed to protect the welfare of children on its platforms. A facebook spokesperson says that the company has just started exploring the product and is committed to not show ads in it. In an analyst briefing sony projected that the playstation five will remain in short supply throughout twenty twenty two so he says it has sold seven point eight million. Ps five units as of march thirty first and estimates fourteen point eight million units will have been sold by the end of this current fiscal year monthly active playstation network users and game sales in the first three months of twenty twenty one declined on the year a new note by apple analyst. Ming chico claims that the earliest apple plans to use its own internally developed. Five g modems would be in. Its twenty twenty three iphone models apple senior vice president of hardware technologies. Johnny strategy told an internal apple town hall in december of twenty twenty that the company had begun developing five g modem following apple's acquisition of most of intel's smartphone spark phone modem business back in two thousand nineteen just in time for its declining userbase clubhouse released a beta of its android app in the us rolling out globally in the coming weeks android users outside. The us can preregister for the beta in the google. Play store clubhouse said the platform will remain invite only for now to keep growth manageable airy interesting time in their clubhouse the insurance company acts are say said at the request of the french government it will end cyber insurance policies in france that reimburse victims for ransomware payments of the policies will still cover the cost of recovery. Speaking at a recent paris roundtable french cybercrime prosecutor johanna browse said that in two thousand twenty only. The usa experienced more ransom attacks than

National Association Of Attorn Ceo Mark Zuckerberg Facebook Apple Ming Chico Johnny Strategy United States Sony French Government Intel Google Johanna Browse France Paris
Thousands of Vaccine Doses Going Unused Across U.S. As Demand Declines

News and Perspective with Taylor Van Cise

01:19 min | Last month

Thousands of Vaccine Doses Going Unused Across U.S. As Demand Declines

"Concerned? The demand for the covert 19 vaccine is declining. NBC's Marcus Moore report thousands of doses going unused across the country. In Oklahoma, a state where the average daily death toll is rising. FEMA is going door to door in an effort to change people's minds in Philadelphia, the clock is ticking 3000 doses set to expire this afternoon at the Pennsylvania Convention Center. After vaccinating 7000 people a day they're the average has dropped to the low hundreds. I don't want to do it, but I'm gonna do it because I want to go see my grandson and my daughter. Overall cases across the country are dropping and states are now rolling back more restrictions in Georgia, the Atlanta Braves truest part it will be open at 100% capacity next week. And in New Jersey Governor Phil Murphy, signing an executive order allowing day and sleep away camps to reopen this summer. But as life returns to normal and alert, some insurance companies are also changing policies. And no longer waving some covert fees. People have that cope. It now could be facing huge deductible payments of $1000.2000 dollars, even more than that one provider at not telling ABC news that while some of their wavers like inpatient treatment expired in January and February, Are still waiving fees for covert testing and vaccines. ABC is markets more

Marcus Moore Pennsylvania Convention Center Governor Phil Murphy Fema NBC Oklahoma Philadelphia Atlanta Braves Georgia New Jersey Abc News ABC
MediCaid & You - All You Need to Know

Fading Memories: Alzheimer's Caregiver Support

01:40 min | 2 months ago

MediCaid & You - All You Need to Know

"Today with me is sylvia green and she is going to be talking to us about a kick. I know nothing about this is a good one. To chat about things medicaid. I told her. I have to remember to call medicated. Not medical so thank you for coming on and philly lewis in on everything. We need to know about medicaid. Thank you jennifer for. Having me on excited atom you have a company that deals specifically in medicaid services. So they want to start there. Or i'm not even sure where it's a good place to start. Definitely yes yes. So tenable senior planning. We are medicaid planning service and we assist individuals and seniors and their loved ones with the medicaid planning process and the actual medicaid application process. So senator the process can be quite challenging. Yes it is. You know definitely a lot of documentation that's required on a lot of knowledge that's required so that you know what documentations wired and you know what to do with assets what you can do what you should do. You know what your options are so definitely it is. It is a process. That is very daunting. Especially when you're not a professional at it or like dealing with people like i just i don't deal well with banks insurance companies any of those regulated type. Things is just what it is. I have like a visceral reaction two minutes on hold. And i'm just like losing my mind that stuff up to my husband which is much better.

Sylvia Green Philly Lewis Jennifer Medicaid
The Hartford agrees to pay $650M in Boy Scouts bankruptcy

AP News Radio

00:53 sec | 2 months ago

The Hartford agrees to pay $650M in Boy Scouts bankruptcy

"The Hartford insurance companies agreed to pay out six hundred fifty million dollars as part of a settlement with the Boy Scouts of America over sexual abuse allegations the six hundred fifty million dollars would go into a proposed trust fund for victims of child sex abuse as part of the Boy Scouts of America's bankruptcy case in exchange for the payment the Boy Scouts and local councils would release the Hartford from any obligation under policies that it issued dating back to nineteen seventy one attorneys representing abuse victims blasted the settlement they say the reliability is in the billions of dollars the settlement agreement was submitted to the court by a panel of mediators trying to find a global resolution of more than eighty thousand sexual abuse claims hi Jackie Quinn

Boy Scouts Of America Hartford Jackie Quinn
Billy Gene on Increasing Your Traffic

Entrepreneur on FIRE

05:30 min | 3 months ago

Billy Gene on Increasing Your Traffic

"Jean maman. My i've got some stories i could tell about. You might come organically during our talk today. We'll see they're all good stories. Obviously they're all fun stories. But i wanna start because i love your story. I never get tired of hearing about it. But how you you. At one point. Fifty km debt. We're supposed to be honest. It's not super abnormal. I mean we have this. Massive college data. We get into credit card debt. We do stupid things all over the place but you went for fifty k. In debt running this wildly successful agency in downtown san diego. I've been to your office multiple times. I mean baller talked to us about how you made that transition on his the virus. Summarize it for everybody is number one just on the the mindset of asking for help period like no no one figured that out by themselves and so many times people think that's the case but tactically speaking because i'm tactics guy audience listening. They want the juice. It's got really good at its spending a dollar and tony into three period. I mean at the end of the day. Mike quote unquote secret weapon. It's just advertising. And you know who i got up from the most profitable companies in the world when you look at the balance sheet of All the fortune one thousand companies. The apple is the facebook the insurance companies the walmarts etc. What people don't realize that you see is not just the billions of dollars in sales. They spend billions of dollars in advertising. But when you go to small businesses the first thing you say is how customers. What did he say referrals. Every time. and it's just like the the most successful companies in the world legally have to tell you exactly how they're doing but we don't do it for a long time. it was. Low stuff was expensive right. Tv radio billboards. It just didn't make sense for a small business. But i mean honestly facebook youtube. It cost one to ten cents. You know to show somebody in advertisement one to ten cents e- you can show for five to fifteen bucks a thousand people your message. That was my big secret. So if i had something to so i would just literally make video ad with myself on an ask people to buy it and that's it i would just make more than spend so if i if i sold something. That was a thousand bucks. I'd probably spend two hundred bucks in advertising. And i just repeat the process over and over again so wildly. Simple like what we do. It's crazy but the difference is is. I was able to overcome the fear of losing money on ads. That's what stops people. they go. Well what if. I spend one hundred bucks on fire and it doesn't get a return then you try again. It doesn't make it not the path anymore. It just means you miss you get back up and you try it again until you find something that works and you keep repeating it now. You've had a lot of things that have worked over the years. You've had some things that happens but when you talk about that arbitrage of turning one dollar to three dollars you've obviously had a lot of those and there's a lot of examples you could give but you know. I just want one of your favorites like you know. This is almost too easy now. Of course all good things come to an end all arbitrage get tighter and close up over time of course but what was just one year like. This is almost too good to be true. I'm going to max out as long as i can. I mean there's been a fun one for everybody listened to because they probably won't think it's possible as take billboards for example. So i purchased billboards and a lot of people go why billboard like people don't spend money off of that and this is where people really have to get obsessed with it's about being created so quick story in san diego california. I bought four billboards. That cost me thirty. Six thousand bucks. And i ran a ma and that was for three and a half weeks. Just let that sink in thirty six grand for three weeks from frigging billboards that people drive by and so then people go like. How do you make money from him. Well what i did is. I made a call to action on it to go to a website and it was an automatic webinar. The same way that i would do facebook or instagram or youtube anyway and i was just like i wonder if anybody will obtain i wonder if anybody watch and they did and it made like ten thousand dollars back because what i was selling a thousand bucks so immediately people say okay. You lost money billy. Lost twenty. six thousand bucks maintains man. That's stupid. well. What i did is people for some reason. Give a lot of authority in position to billboards because they know they're expensive. And the companies that are doing. Billboards are the biggest companies in the world. Automatically think your official. I mean i still think of pete knows that guy will always be the real estate guy in san diego one hundred and so take that right. So what i did is i said okay. Well we're going to take. We rented a helicopter and we flew around. We went to helicopters and we flew around me and my cmo at the time and a helicopter. And my buddy paul filming from the other helicopter and we flew over all the billboards and we flew over all the billboards and we turn that into a facebook ad and then from that advertisement we brought in probably like a million bucks like throughout throughout using it over arbitrage being the. Yeah so it's just like how can you use. It wasn't just three weeks like you're able to use that footage forever the pictures of you in front of the billboard forever even today literally putting it up ironically today using that same clip of the helicopter and so people you got to start looking at your content as an asset the same way you do real estate people go. It's a real estate investment. And i can make money off of that again and again again. Same with your video. What's the difference. I'll tell you what the difference is videos. Cheaper video was easier to make. And you don't need to go through escrow so everybody if you're not using videos as is cash asset you're

Jean Maman Facebook San Diego Baller Youtube Tony Mike Apple Instagram California Billy Pete Paul
Dealing with the costs and operation of hospital pensions

The Hospital Finance Podcast

08:38 min | 3 months ago

Dealing with the costs and operation of hospital pensions

"Many hospitals have pension plans one variety or another however managing. Pensions can become a complex financial task. That many hospitals are not equipped to address internally joining me today. John lull a partner actuary at october three consulting and an expert in benefit and compensation issues with a particular focus on retirement benefits. John is here to help us understand more about how to deal with the costs and operation of hospital. Pensions john. welcome to the show. Thanks very much mike. I'm really happy to be here. I know this problem. We seems like an unusual topic for you and your listeners. But i think we're gonna make the connection for them quite well. Yes is sort of the other side of the house when it comes to ospital finance. It's not necessarily the revenue side. But just as important. So i'm really looking forward to the discussion. John let me start off. Many hospitals still have pension plans. And they come in two varieties as you explained it to me ongoing plans and frozen plans first. Let's talk about hospitals that have an ongoing plan as these are more rare these days What benefits would they get from continuing to maintain a plan. And how can they afford to run them. Mike what you say is absolutely true. They'll probably at this point only about two to three hundred remaining ongoing hospital pension plans left. That said those hospitals have them for the most part doing well financially and they're fully committed to continuing them if they were going to freeze them or completely get rid of them by now They would have done that already. So the ones that are left really have made a commitment to continue them. why. I think what we've learned. Is they see them. As a competitive advantage particularly from a human resources perspective it gives them somewhat of an edge in recruiting talent and in retaining talent and may simply view the cost of those plans as part of their total labor costs so some of them might choose to reduce labor costs in ways to compensate but a number of them have looked at this issue fairly carefully and they say that by decreasing unwanted turnover more than make up for the costs of the pensions and when they design them carefully. He's plans give them an opportunity to have what. A few of our clients are calling supercharged for a one ks. So let me explain that. With an example if for example you are recruiting a new head of. Let's say orthopedic surgery and you tell that person they can have something like their current 401k. But with the deferral women which right now is around twenty thousand dollars that might be five times as large or even ten times as large as it is. Currently that has a lot of value to them so put differently rather than being able to save twenty thousand dollars on a tax favored basis. They can save two hundred thousand dollars a year on a tax basis. That really does have a lot of value would add value to them that they just can't get in other places another issue that's bothered hostile. Finance cheats about pension plans is the cost volatility. But frankly that can be controlled and in fact by the twenty twenties it should be controlled through plan design. That's great so let's talk about the other scenario Which are plans to their frozen. What are some of the issues. Hospitals run into and plans remain frozen and could handle better. Mikey right Lot of frozen pensions out there to pick yearly at hospitals and there's a reason that they exist hostile more than perhaps at any other industry or maybe there are several reasons but the genesis. This goes back many many years. Certainly to the one thousand nine hundred seventy in one thousand nine hundred eighty s. There just aren't a lot of hospitals out there that are truly new organizations. They might be reformed organizations but at some point the actual ospital facility the hospital inc. Even if it's been reformed from a business standpoint probably in most cases goes back to the eighties the seventies or even earlier and what we in in the employee benefits business know about the nineteen seventies in one thousand nine hundred. Eighty s is virtually all employers gave their employees pensions. It was what you did back. Then it was an expectation the The sort of calculus between an employer and an employee in nineteen eighty-four example. Was you come to work for me and if you come when you're late twenties early thirties. You're going to make this year career. This is where you're going to spend your working lifetime and return for that if you're willing to spend your working lifetime with me. I'm going to give you this lifetime income. It's going to be related to the number of years she spent with me and how much i paid you but when you retire you are going to get this pension and it's going to pay you benefit for the rest of your life over time. The trend in the united states change. There are a lot of reasons for it that are for A different time in a different day to discuss but the fact is that organizations did begin to freeze these pensions So over time just as it happened in broad our industry more of these hospitals than not froze those plans the difference is and it seems to be very particular based on our research to hospitals. Once these plans were frozen hospitals. Treated them as if they were gone. In other words to use a kind of bad and use term from late night infomercials they went into set it and forget it mode. The problem that that causes is these frozen. Plans are not at all inexpensive to maintain and frankly the less attention that you do pay to them. More they cost. I guess that makes sense but that more so to speak is usually far more than the cost of having someone on staff to manage them. Once an organization does free a plan. It's goal should eat to terminate it in other words make it exists no more. So what the difference that we have here is if you have a plan that is frozen but not yet terminated. You are still required to administer. That plan contribute to that plan. Hey benefits from that plan and all those things cost money once you terminate it. You have given up all responsibility for the plan. You've taken all the benefits and either cash them out or sent them to insurance company and from your standpoint votes from a cash flow standpoint and from a financial accounting scam point. That plan is gone. It's almost like it never existed so that should be a hospital goal once. They've decided they're not going to provide these benefits anymore. Their goal should be to basically eliminate the existence of that plan eliminate the costs associated with the plan. Women ate what they probably view as the misery associated with a plan and to do that their plan should be two fold. It should be to get the to that destination faster and to get to their destination at less cost

John Lull John Hospital Inc. Mike Mikey United States
The Future of Tour Business in 2021 with Steve Perillo

Travel with Rick Steves

07:02 min | 3 months ago

The Future of Tour Business in 2021 with Steve Perillo

"This is a bad year tour companies. So what do you do when you run into tour company and suddenly. Nobody's traveling today on travel with rick. Steves we're joined by steve parilla of perello tours to talk about how we who make our living in the travel industry are trying to stay afloat in these months of zero revenue during the global pandemic. Steve is joining us to discuss. How the pandemic is hitting his industry and his expectations for the future steve. Thanks for joining us. How are you holding up. Pretty good considering pretty good. Have a driving tour company. Bring about what fifteen thousand people to europe each year. You're the third generation. Ceo of your family to her company. Perello tours how was twenty twenty looking before the pandemic hit it was going to be our best year since probably nineteen ninety-seven. It was going to be a very good year. We've been through a bad time so you know it's not an essential purchase trip so Before nine eleven we had all kinds of stuff If you're in the trump is every ten years you're going to have a really bad year but you lose half your business okay. But twenty twenty It was one hundred percent a loss of business which is astounding. We were euphoric in the tourist industry. We were queued up for our best years ever. The economy was so hot. Everybody wanted to travel. Everything was coming together. You know and you ramp up for it. And then said and bam not only do you have revenue. But you've got a lot of people that have given you money and you have to give back refunds. How did you know that. That is the bane of every tour operator. That's how they go out of business. They spend the deposits before the trip. You're not supposed to do. You're supposed to Ideally put it in escrow you put in a separate account. You don't touch it and we touched it but My father taught me about the rainy day fund and It was millions and millions of dollars. We had to return. Well i we as people to postpone it to this year and a lot of them did but now we're facing march april and may and this time they really do what their money back and it's justified so Were returning all the money and We're not gonna pay taxes for a few years i assume and We're gonna be fine. I don't wanna go through this again in my lifetime though. I don't really want to go. i don't either so you're returning all the money. Meaning you're not gonna pay taxes because you've lost so much money that you'll have losses to take forward under obama two thousand and ten You could deduct losses for five years after the bat. You're right now. There's there's actually laws in some states that prohibit tour companies like ours from doing anything in where i live in washington state. We don't have that option. I mean that money is protected until the tour is actually performed and at first. I didn't like that love. But i see i see the need for it and i'm glad we have it now. It gives us a little guidance. I always think capitalism uses chaperone and. That's what good government is all about for sure sure Now when you look at the industry in general how do you think. The industry did as far as relations and respect to their clientele. There were millions of people who were more than just inconvenienced by the advent of the pandemic when it comes to prepaid to her plans and so on. Well we all wanted to. We all wanted to ask the customer. Let us hold the money and we're going to Apply to next year or the next year. We're even going to give you some money off. And sem didn't really have an option that some of the cruise lies i really You know we're going to give you credit for the future but we have whatever. The customer wanted We did in this regard so we returned the money and a lot of cases and the goodwill is amazing. And they're gonna come back to us for sure. Nancy the goodwill. I mean we made a point of just not even letting people leave their money with this. Thank goodness we had the capacity to do. We sent back. Twenty thousand deposits took months to do it. It was a lot of work. We're not geared up to send the money back but that's what we had to do because as you said we're in this together for the long term and we gotta take care of of our public What do you think about the cost of cancelling tours. You had already set up as a tour organizer did you have to. Did you take a hit. By cancelling out of buses you had arranged in hotels. you had booked on not really the The airlines were considerate. You know we're on the same boat so So they were nice. They were nice. They worked with us in after the whole Catastrophic advent of this for tourism. How did the insurance companies come out. Did they step up to the plate and help people with it. Was the public generally satisfied if they had purchased. You know trip interruption insurance or was this something that was not covered It's not covered. They were tough. They were tough. I found them really not helpful at all. The insurance companies In general they didn't their reputation. Took a hit then after that because they didn't lose much money because depending people lost money in the insurance companies did not right and we have to make up the difference. if somebody We have penalties if you cancel but this was a totally exceptional situation so I don't care where. I don't care about money. We got through it. It's all gonna come back. You know you gotta be classy in this world and then you got to be standing you can have your team together when when you come out of this and we can ramp up again. So when i think of the long term consequences of covid in the pandemic. I'm concerned about the small mom and pop businesses especially in italy. That's your forte. Big companies can get through this pandemic. They can even profit from it. But it's the little moms and pops whether it's the little museum or the the little restaurant or or the little Hotel our guest house. What is your sense about. What's gonna be still standing when when the clouds of this pandemic lift. I know a lot of restaurants are not going to be there. But the italian government european governments are a lot more generous with their citizens so People still got their paychecks. Some checks were protected. I don't know all the details of italian government law but there are a lot more A helpful than the america you know. We have our our strengths to. Yeah well they pay high taxes and part of that is they expect their government to stand by them in a in a time. Like this it's Different from country to country. But in general i think it's fair to say that small operations mom and pops and so on her have a good chance to get through this at this second year of this cova. I don't know how long they can last. But that really is what makes travel so appealing is not to have to go to a strip mall and buy from international corporation. But you have that character you got the local little entrepreneurial ventures and the people with a passion and they love their clientele and it's a joy to be part of that scene and it's a fun puerta. Tourism isn't the old crafts are still alive. And well you know the Inlaid wood is an amazing art. Mosaics are fantastic. We can around these artisans with are group's at the table and and watch that happening. This is travel with rick. Steves were comparing notes on running a tour company in the middle of a pandemic right. Now with steve. Parilla

Steve Parilla Perello Steves Rick Italian Government Steve Europe Barack Obama Washington Nancy Italy America Parilla
2 Hurt As Car Crashes Into Boston Home

WBZ Morning News

00:51 sec | 3 months ago

2 Hurt As Car Crashes Into Boston Home

"Park, this is not supposed to happen. Ah, car hits the house in the middle of the night last night, Pauline Glenn was getting ready to watch the news on TV. Not expecting this morning to be on it. We'll just crash when they get my neighbor's car. First I hear the crash and then the whole fun like exploded like a district up. In front of the house. Glass went flying everywhere. It was around 11 o'clock here on Poplar Street when a car with two people inside crashed into her house. Yeah, I was very lucky Count my blessings. Those two were taken to the hospital. Fortunately, Pauline, her dog Rutherford and a friend were not hurt. But now it's all about the cleanup. I guess I have to get an engineered on the instruction company and well because call insurance company in Hyde Park James RoHaas WBZ. Boston's news radio

Pauline Glenn Pauline Rutherford James Rohaas Hyde Park Boston
Azure and .NET with Labrina Loving

The .NET Core Podcast

07:59 min | 3 months ago

Azure and .NET with Labrina Loving

"We're gonna be talking dot net and the cloud and a very aware as we've regarding the so we're recording this nineteen of november twenty twenty. Don't that five is not very long. It's been out for about a week or two week. Old week-old excellent. I mean the have been the they release candidates but this is like the official as he is here so i'm likely going to end because obviously because of the time cast pop machine whibley. We're recording this in advance of time. So there's likely going to be time. Tony said hey. So when dot net call superseded by don't at five so please bear that in mind everyone who's listening we're regarding this couple months ahead of time but So festival before we talk about anything right. You've set yourself you've been in this this whole this industry for for almost twenty years right to vote for me. I'm you know. That's that's i mean for anyone. That's a long time right. That's that's a whole bunch of innovation that has happened since then like twenty years ago with talking about dot net was like an intranet based technology for inside of the business and now it runs a huge portion of the web. You've got as you. all suppose azure. I'm not sure how. What the official brennan nell right or wrong way okay. So we've got as your as you that that whole thing. And that's that's running dot net presumably or you can ruin your dot net thing on it and and we've gone from like i say we've gone from small web services to scaled micro services and video games and consoles all running dot net. You can never internet on fridge which is just blows my mind. I've gotta got a bunch of raspberry pies somewhere around here that are controlling my bet soon. I just bought a house. So we're excited about you. Know making our whole house smart enabled so i'm excited to start using dot net korir on a bunch of raspberry pies and the you know controlling controlling how long my stepdaughter gets to use the internet. So it's gonna be fun. It's brilliant is one of these technologies the just scales almost everywhere. Are you talked about the raspberry. Pi oko another respite. Pi four hundreds pien inside of a keyboard Is one big folk kit. And i've been using that to do sorts of crazy don net things of the past weekend. I'm teaching roberta. Who's not a developer code with it so it was like. Hey come on what i do. And he's just just the keyboard and while he came over before they Before the unfortuna- say over in the uk. We've had like a lockdown so nobody can go anywhere and so he came over a few days before that and we couldn't get a moment times we staying here for the duration so by the time you're listening to this. Hopefully he's going home. I thought to keep me busy. Teach him to wrestle. Code is totally all right. That's that's fun but then so if we're looking at almost twenty years in the industry what a in your opinion. Some of these innovations that have really changed the game. I mean we talked about chaperone being collaborative bringing everyone together. Dot net clearly has changed a whole bunch of stuff. Is it purely a microsoft thing you thinking or is it just a his aesthetic. I think for me. I i love tech but i also love the people in tack and i think for me. What's with what i've loved. That's change is sort of how we work together. So i remember when i first started in tak started a working for this We built the first installation of of of this insurance company allstate s- Their first online web presence So we built their i kind of web application and bad took hundreds and hundreds of people and it was all these very very very siloed teams. Right there is a huge team of leg database administrators. I have no idea what they did. There is a huge infrastructure team. And i have no idea i i mean i got a chance to like talk to some of them. But there's a huge infrastructure team. There is a huge Devops will be call them the the bill guys but the cuge build than a team and there was all these teams That came together to build this amazing web application but we were all really really really siloed. I felt like and It was such a very everything was so very very very specialized whereas you flash forward today and I feel like the development team and You know infrastructure engineers and Site reliability engineers while there there's different fancy titles for everyone but that teams like shrunk significantly and and and you know we all work really really well together. it's not kind of this like staunchy kind of separation of people it's it's a much more collaborative team. We work much closer together Because i think the tools and technologies have evolved in such a way that everyone can kind of sort of work together much better. So i think that part's been super super exciting. And because of that we were able to get you know it's it's more satisfying you can see applications getting released. You know all the time. I mean you get huge. Companies like netflix. They're releasing features like every day. So it's really exciting to see the pace and end the change of how like software and how technology evolves and then. I also think Just be the the amount of information and of you know how to get Involved in tak It's come to a place where i'm excited that so many people like you're talking about your brother. You're literally decision whom how to code and so literally you know a cup. After lockdown he can apply at microsoft and get a job at burnside. Apply to microsoft. So i i love this. I love this. I love because of i came from. I originally from chicago came from you. Know modest modest family and a lot of people around me or modest living. And so i really loved that technology has started to become a equalizer providing a lot more people opportunities To be able to code be able to change and thereby getting great jobs and then they're thereby kind of really changing their lives so it's not. I love seeing really kind of technology for all encoding for all This whole push for that. That's what's really got me like super excited about this industry now.

Whibley Brennan Nell Pien Tony Roberta Allstate Microsoft UK Netflix Chicago
Stolen password leads to loan company hack

Cyber Security Today

05:06 min | 3 months ago

Stolen password leads to loan company hack

"Citywide home loans. Which lends money in. The united states is now notifying people that it was. The victim of ransomware and data theft attack in november information on a number of employees and customers was copied according to letters filed with several states and attacker got hold of employees log in credentials for the company's virtual private network. It isn't explained how that happened. One possibility is vpn. Software was hacked in the past twelve months. The software of corporate vp ends of at least two manufacturers have been cracked to expose user names and passwords. These are being sold on criminal websites. There have been many warnings so. It administrators recently to install the latest vpn security updates and have users changed passwords in order to fight this other possibilities. Are the loan company. Employees password was guessed or they were tricked into revealing it no matter the method experts say the proper use of multi factor. Authentication is a good way to add extra protection to log ins now. The next to items take a bit of explaining so please be patient organisations. Worry that personal data of customers and employees can be violated in two ways through a hacked by outsiders or abuse by an insider but who is an insider an employee for sure but it also includes employees of partner contractor or supplier firms with data access and as an article this week on the new site data breaches dot net points out. It can also include the subcontractors of contractors the author gave the following example. An american health insurance provider fought risk management software and services from firm. Alcohol company to this firm subcontracted some work to affirm call company three one of company threes employees with access to the insurers data had aside business training people how to do data coating. This person was using the insurance company's data for training material with those people without permission so unapproved people. We're seeing patient data. That's the data breach so far just under one thousand people have been notified. Their personal and medical data may have been involved. This incident raises a number of questions. Why didn't the insurance provider anonymous is. The data sent to company too so the risk of compromise was if that wasn't possible. Why didn't company to anonymous the data. That was by company three. What other security measures could have been used to prevent company three employees from seeing real data and did the health insurer realize all the risk it was taking opening. Its data to several companies as the author notes organizations can force employees of contractors and subcontractors to sign business associated agreements the cover the proper data handling and privacy however compliance with those agreements has to be regularly policed. Finally crooks have been manipulating the results of search engines like google for years to spread malware. The idea is to get a high result of a search to be an infected website. A security company sophos said this week it recently found a gang using one of those techniques. Not only for spreading viruses but also ransomware. It works like this. You ask the search engine to find the answer to a specific question that the crooks think people are likely to want answered high up on the list of returns our links to what looks like legitimate companies. Click on a link and you go to a forum with a message that offers a file downloading with the answer to the question. Download that file and you get like similar. Search engine scams crook start by secretly placing code on the websites of unsuspecting companies. So their site will call them up high enough. Search that fools people because they'll trust legitimate-looking web address in one example. The report says the question was do. I need a party wall agreement to sell my house. The first on the list of search engine responses was the website of canadian medical practice underneath. That address was linked to do. I need a party wall agreement to sell my house.

United States Sophos Google
S6 E5 - How do I maximize my VA disability benefits? - burst 1

Courage to Fight Again

34:04 min | 3 months ago

S6 E5 - How do I maximize my VA disability benefits? - burst 1

"Hey just a quick before we get things kicked off here. I do want to let you know that. There is some strong language throughout this episode so listener discretion is advised. If there's five step process but there's indefinite general over overarching rules that she must consider but it is very procedural. It's they're not looking at compeer in the wall and analyzing while i'm analyzing the case law even the references to it. They're not opening pay. Everyone welcome to season six episode. Five of we served now. What it on this podcast. I do my very best to answer the questions. That veterans and their families are all ready asking my name is aaron perkins on the host of this show and the founder of courage to fight again an hour parent organization. I'm also the author of resolve. Which is a step by. Step guide for q the veteran to help you rediscover purpose meaning and passion and your post military life. Today's topic when the show is via a disability. What you need to do to submit it and not just what to do with. How do it bright outta appeal it. Should you appeal that well. That work all those things and more in today's show. I had a chance to sit down with a couple of really great guys who have done their homework on this. They do this kind of thing. Every single day. Greg colton and will simmons and we set down and chat or mojos that hour and a half i had to cut out unfortunately a lot of that conversation but the week to that full interview can click on the link in the show notes. And that'll take you to a form review request access to that whole uncut interview. And you could watch that in its entirety video interviewed. Please please take advantage of that. But for now i'm going to get out of the way. Make this intro as short and sweet as possible and let you hear the part of the show. The part of our conversation that i was able to stick into this episode here fleas. Enjoy my conversation with greg. Colton and wilson's check it out. Well i am here today with two honestly powerhouses in this field talking about increasing eight disability benefits. I'm here with gregg golden easy. Us navy veteran. This guy has twenty five twenty five years of sea level experience in financial technology compliance security investigation. All these things he's worked with numerous law firms used his own experience with the va to build something really cool. And i know he's gonna wanna talk about that more on this show but it's very good to have you on the show today greg. I'm also here with will simmons. He's a us army veteran former va founder. And managing attorney at simmons law. And i gotta tell you. I could not have asked for a more knowledgeable. Duo to answer veterans questions about va a disability benefits. So i want to just say to both you guys. Welcome to we serve now. What oh thank you very much Very happy to be here with you. you know my own experience of five years in the navy and thinking i came out and was was everything was great. You know always young. And i was happy in that aitken painted matter a whole lot. You know then. I got my late forties and early fifties and realized yeah does kind of hurt a little. Bit so yeah. I'm happy to be here with you and Look forward to the conversation. Will everybody will simmons Absolutely happy to talk to you today. About incentive Something near and dear to my heart. china passion play for me Having gone from ten percent disabled the a lump sum of less than eight hundred bucks and a holy shit. Now what am i gonna digress. My life to one hundred percent permanent total my law degree and my mba so There are programs out there to better your life and puts you in a position to dramatically. Change your life for the better and happy to talk about that too. That awesome awesome. Well let's start our conversation today guys with the transition out of the military. Maybe greg we can start with you. Tell me a bit more about your own transition story what you did right what you wish. You would have known things like that sure. Well you know when. I got out of those one clive in the military. I went through paramedic school in my last year in the military. So i was busy guy for you know. Fourteen sixteen months in the last days in the military. I was also going to civilian paramedic school. So i didn't sleep in as i got out. I worked as a paramedic and did fine. And then i realized that really didn't make a whole heck of a lot of money for all of the responsibilities that i had and that i wanted to do more but i wasn't quite sure how to do. And if i if. I known then what i know now. I would have in fact on to law school however i was a single parent of a two year old and a five year old and i did that for more than fifteen years and i can assure you that. There's nothing fun about going full time college and also trying to get You know to be a good parent and to provide the income necessary and i had that entrepreneurial spirit and i wanted to grow in in and have a big business that that was bringing the wealth i wanted and building it from my retirement and it just There wasn't a lot of of a maps out there. Do this do this do this do this. And through twenty five years of experience. I figured it out and and we've done well and i'm in. I'm thrilled with my past. The navy taught me so much about responsibility and accountability and and those are certainly tenants to be an entrepreneur. No question about it but there was no road map. There was no getting out of the military. Didn't here's your step plans being successful on your own It was it was really hard. So i'm glad to be your health. Talk about that in the journey Will tell us about you and your journey. It was definitely a different Yeah absolutely so i was. How do i even begin this When i joined the military. I joined in forty days. Forty five days before nine. Eleven and I was an architecture student at the time. Indiana national guard kind of do a my weekend. Warriors thing and In after nine. Eleven i i just couldn't physically sit there and design buildings that we're gonna be used to blow people and caused devastation. I wanted to change that. And so i went active duty and went to school and in sadly my entire time in the military was was spent in school one school to the next and in one of those schools. I got banged up. Injured prior to going getting acceptance to west point from enlisted to the academy so i went to west point for two years while i was there. Got my injury that i sustained during active duty. The kid exacerbated to the point that i could no longer sir and unceremoniously. I went home with a ten percent disability. Seven seven hundred eighty bucks or something like that. Night came from west point to sit on my parents. Couch i legitimately want to move. I didn't even know your podcast existed until last week but eyesight. Now what what the heck am i gonna do the rest of my life. I had zero idea. I went from the premier leadership institute in the world to not knowing. I didn't know what the heck did so I decided that applied at schools Just just keep the ball moving and Quickly went to indiana university. Got into the business. School in really just fell in love with entrepreneurship and i let that passion takeover You know my healing process from you. Know both physical and emotional fiercely all of it. I needed to mend myself after coming out of the military. And it's a hell of a won't talk to make that work but Anyway yeah i mean. The transition was man. I don i even describe the transition with it was so unbelievably difficult. It shouldn't need to in needed to be a conversation with a counselor commonality military that said you know. What do you want. do the rest of your life. This is the direction you go and go. Do it can i. It was a lot of soul searching to find. It ought to be honest. But now i've been imagined doing anything else. Couldn't imagine sitting my day any other way when i do and holy shit i get paid for it. I mean oh my god. That's the best. The best thing in the world i completely agree with you will on on that. Come out and you're just in this hot this this song in this hayes in your you have so little direction and even if you had a career counselor to try to talk to you. I don't know if it's just you don't know what you're doing in life because you're so mean you don't stand different concepts yet but man you're just lost wandering out there in and Yeah i grabbed me by accident eck and smack me up a little bit. I do right by sagar i absolutely. I think if there's one thing that i absolutely did right was i I jumped head head on into school and education and building might tool set. Because i wasn't relying solely on the things that i learned in the military to to be jumping off point. I realized i had a heck of a lot of catching up to do. And and that's where the education started for me And obviously i didn't quit. And in fact i found a way to make sure that i didn't have to pay for which was really you know that was. The true transition story was okay. Hang on a second Your bettering yourself. And you're getting somebody else. Pay the bill. This this is something should write a book about Because a lot of that cedeno that hidden. I mean that was one of my biggest struggles was coming out and being twenty five seven a two year old and a five year old that i was literally racing by myself and i was taking eighteen credit hours Getting my degree in biochemistry with minor in english lit. And i you know eighteen credit hours trying to take care to five hundred worked at the same time you know you can get loans and all the rest of it but if you don't have a good nation in what's possible. I had no idea. I was eligible for vote. Rehab you know. When i went i had gi bill and believe it or not. The college never applied the gi bill. I paid for everything out of my own. And even though i was eligible for the gi. Bill is all the time it's really sad is what it comes down to that. We have the capability had had. I recognized what was was there army. And i recognize these benefits. Were there than i could have slowed down and cast in my kids. Now's a roof over their head and not had trying to kill myself to get through it in a short period of time And it would have changed the trajectory of my life. I you know. I watched medical school. Go out the door. Because i couldn't do an internship and be a single parent and i couldn't do medical school and be a single parent. Too young kids had. I had those benefits and recognized that they were available to me. I could have done more. I could've figure things out that's not bad. I mean i. I love where i'm at today but it could have been so much easier. Had i known about all the benefits that are out there. Not just disability. But is as you're talking about. Well the both rehab and the gi bill and things don't get taken advantage of profitable now. I was just gonna say we. We actually just talked about that. I think it was in the last episode about gi bill and how you can leverage it with the Volk rehab well. Vr program now but Leverage that you know those two you know really great benefits to you get further education. Everything i know when i got out You know. I'm sitting in the end of the transition not unit but are transitioning out processing briefings. Right and they're telling us about the va. I knew zero about the. Va except that veterans. Go to the. Va that's really all. I knew about it and they and they told us like. Hey go to the hospital like on post go hospital get your medical records and take him upstairs. Because i had a v. Va office fort hood. They had a. Va office up. Like start for a said okay. Cool and so. I took them and they said okay. Cool we got your medical records like okay to me. It was just another task. I had. I literally had no idea that i was submitting my va. Disability claim audios. Like somebody told me to give you these. I guess this is how i get officially into the va and become a veteran so to speak at someone like your most crucial claim and there you are getting pushed by the system through their said that you're not on purpose fan. That was done on purpose for years and years. And call me a conspiracy theorist or whatever but the truth of the matter is this is mon mon Insurance company pan out benefits and they've got an minimize this as much as far as sharing and you know the the the the hard part was to that by the time i did my first what do you call that first. Compensation exam with the with the doctor or the nurse practitioner. Whatever she was I'm still in tough guy mode. I'm still like yeah. Her s- i'm good. I can you know. I'm sure i can just suck it up for a little while. I didn't realize it's supposed to go there and just be blatantly. Honest like holy crap. This hurts this hurts. This hurts and i can't do this anymore. And i just went. I was like no. This is fine. Do you have anything no. i'm fine. no i'm good. I had no. I d like there was no. There's no plan there's no. There's no one at that point in the transition to to really tell me. Hey this is what you should be doing. This is the level of scrutiny. That they're going to look at your. Va claim with and this is the level of of intensity you need to put to it when you submit it so we can talk about that a little bit like what. What was your guys. Experience with The va disability claims program. I i know with mine drag. Mom i was cormon and i and i was I was one of the supervisors of the ambulance service in and they will. Hospital orlando in the training center training center there and when i sat down out processing with personnel. I still to this day. Remember sitting down at that gray metal desk. And here's somebody that's not much older than me on the other side of the desk in. They're typing out my dvd fourteen. And they're asking me different questions on a checklist and you know how many problems not have any problems you know. Got both of my legs. I got both my arms You know i can hear you talking fine which goes exactly to the point. You're making aaron. And i don't think it was bravado on my side is much as not understanding to transition process and the purpose of the questions being asked as they apply to me in my future not to mention. Let's let's young. Were coming from the military where it's shut the hell up in suck it up. Well it's not only that pervasiveness in the military will absolutely but there's a pervasiveness in the medical side on top of that of we don't go to call unless we are on death's doorstep i had owns and you know i'm i'm urinating blood. I went to the er. I was terrified. I didn't know anything about kidney. Stones about point. I tell you when you look down. Ten o'clock at night and the toilet bowl is you're ready to go to bed. You see bright red blood. You're going to the er right now when they didn't ask me about that as i al processed. I didn't recognize that. The jimmy stones that my kidneys continued to put out than started in the military. Were something that should have been taking care of for in evaluating before on the disability side. And so you know as as a cormon. My knees hurt my back. Hurt dr a are you know my gird. hey dot. Can you write me. Something for this. Ensures tagamet for this there was never any documentation. It was me and my buddy. The doctor who wrote something if i wanted it or b who went to the cabinet and opened up and took out the a hundred older motrin. It took it myself just like i told my fellow shipmates to do or the. You know the marine corps guys that i worked with to do so i mean there was a pervasiveness medicine on top of. What will we say about. The pervasiveness of we have a missions. Do the military. Our mission is to get the dadgum job done. Every single time is not to be standing in sakala. Whine about how this hurts. Don't it well. i'm sorry. I didn't mean now. You know. i think it's for me. I was you know i dealt with something that i deal with. Almost every with almost every veteran client that deal with. It's it's it's a pervasive problem. That every better needs to know you're going to be under compensated for some of your disabilities and you're gonna be overcompensated for some disabilities and when you're coming out of service and you get med boarded for something you know for me. I was hellbent on getting my chest fix chest and backs back rated properly in even though chefs in particular the maximum benefit. I could ever get no matter how hard i tried and no matter what i did was ten percent no matter what so yourself the net absolutely ruined my military career. That is only gonna ever pay me ten percent. I'm sitting. you're banging my head against the wall for at least five years fighting that fight when there was literally nothing i could do. I had to learn the system the right way you gotta do end arounds and connect everything possible to this in order to make sure that your stated appropriately for the actual shit that you're dealing against off that took years to figure out when you don't have somebody holding your hand through the through the that's really true. I mean in my case. I knew the was there that can provides healthcare benefits. But i had a job. I had healthcare benefits. I didn't mean to be a and i correctly and incorrectly depending on how you look at it. I wanted that benefit to be more available my fellow brethren who actually needed it and couldn't make it private healthcare good private healthcare because the. Va does a as much as they get. Beaten up in the news over. they do. Try very hard. You've healthcare Chewed the veterans other. They can't do better but it's not because they're trying to do that. And so i wanted that that benefit of healthcare to be availed more available. My brother and i never looked into. It wasn't until we want to buy a house and property. You're in texas the realtor said. So what's your your disability rating. And which i giggled including talking about and she goes well with your own. You won't have a fun in fee in taxes. You will either of your property taxes reduced or abated completely if you have disability and i said i don't have any disability. I have both my legs and lower. Did she said idiot. I've known you long time. And i know your kidney stone started in service. I know you're back. Problems started from when you were. Emc girl medic in the military in the military. How can you not have this ability rating. And i wasn't out looking for the money. I was making okay money so i never went searching for those benefits and you know that makes that much more difficult woken. Tell you when you're now twenty. Five years ho service. And the g jared processes are really starting to kick in that began in the military to then through this this connection. It would be much easier on him and i if we get the veteran. Who's diagnosed in service with my backers a bit. You know. I have a strain. I have whatever that turns into severe Disabling degenerative disk disease or herniation in those sorts of things. It'd be so much easier if those that are ins new on the way out. I need a copy of my medical records. I need diagnosis in the military. I need imaging. Studies are is cat. Scans whatever to show this. Something started in the military. Because we can tie that together much more easily absolutely and i think with the be. Dd program the benefits Direct delivery program that the provides This new system. I'm helping quite a bit of Servicemembers transition out of the military the contact meteorology and they want help going through their initial claim. You know it's something that You know you can't charge for it's a you know it's a. It's a pro bono thing but the end of the day were taken bets. Soldiers vets who are transitioning out on their first you know their initial claim walking out of the room with a ninety percent. Walk on service. Now we're sitting here fighting on. You know that most important ten percent on the backside to get you to the hundred percent but we're a heck of a lot closer than that thirty percent of the twenty percent that you're getting when you're walking out of there like a hero like you and i are all of us did back at our generation you know there's various services connection is an art. It is not a science. It is an art all day long you. There are ways to stack disabilities on top of each other to maximize your coins. And if you do not know what you are doing you are doing it wrong here. What it takes strength or something. We said to will as a process that that is like everything else that all veterans doing the military. There's a procedure. Here's your procedure. One five and the average veteran doesn't understand it is a legal process. There are statutes. The congress is there are regulations that implement those statues that the va is put out is a legal process and it involves medicine so it's a combination of the legal side in the medical side and the average joe out there doesn't understand the law at that level and doesn't understand medicine at that level to connect all of this stuff together both legally and medically right and so let's dive into the details a little bit of that initial. Va disparity claim you know. Will you talk about it. Being an art and greg you talked about it being a legal proceeding. Is there even a three step. Five step nine step seventeen step process. That veterans can look at and say. Okay here's what i need to do. And here's how. I need to submit that claim. I don't know if there's a five step process but there's definite general over overarching rules that you must consider and And i think most important if i could say This is your kids Number one takeaway take notes Holy shit do. Not shotgun approach your. Va clays do not claim. Every single fingernail do not claim every single to- fungus. It's not gonna get you paid number one and number two. It's going to paint you in a corner so bad no attorney can get you out of just because you have dirty your file. You're talking about non attorneys who are adjudicating legal cases. These people do not practice law. They are practicing what they feel in. Our job is to show what disability looks like as plainly as possible so that we can either capitalize on that person's Motive to assist the veteran or To somehow paint over bad in a file because you absolutely are are leaving a trail of tears when you are claiming a shotgun approach to your to your veterans claims Number step is only claimed things that you are legally entitled to claim so it's going to require a little bit of research on your part to know what you're entitled to but that's that's my claim to everybody number one only clean things that you're entitled Because once you start claiming things that you're not entitled to the most important thing that you can not lose that you just gave away is your a benefit of the doubt that fifty percent and when it's as least as likely as not it's you're full of shit and you're claiming everything under the sun You just lost your fifty percent when it comes to the thing that's going to get you hundred percent. Yeah i think all take off on that in a little bit of of education. The vast majority of raiders as will can tell you are veterans. They want to help their fellow veterans. That's why they get that job. However the vast majority are not attorneys and just like we were talking about procedures few minutes ago. That's what they do. They have a manual called the young twenty one one and it is a procedure manual. They claim they step through the procedures. Won- jews hyperlink year like there for five six hyperlink there is. I wish it was. It's not to say there isn't some feeling in it. I mean there there is they are the trier of fact they get to be the arbitrator in adjudicate the claim but they do get that interpretation on their side in trying to decide. What's right and what's wrong is disconnected is not but it is very procedural. It's they're not looking at line compeer in the law analyzing walleye analyzing the case law even the references to it. They're not opening. No they are now providing a claim. You know it's transitioning to the other point. He made a providing claims that are not shotgun that you're entitled to. What does that mean rethinks. You have a current diagnosis. You have continuity of your condition meaning you. didn't you know. Get a bruise in boot camp. In your thirty years later. Trying to to say i have a problem. You have to be able to document the progression so he is a little bit different than degenerative disk disease that you may have had back pain and service but it didn't really degenerate until a certain point but then it kept getting worse and worse document how it kept getting worse and worse documented in a law whether it's a blood pressure log a headache log of that in law document the continuity of that condition and the third component of that is the next service. How did that. How did service relate to your claim. It didn't have to 'cause it. You could had a car accident while you were stationed florida. That caused an injury service. Puts you in florida. Therefore that disability the you weren't combat got shot and you got that disability but it's still considered service connected because the military had you stationed there so it's not causation. Its relation to. But if you don't have continuity veterans lose every time is you know. Oh i had this. Bigger hangnail. And i had this. This shotgun approach. Yes but that's not a chronic condition. It's a one time edition. Thank you so much will and greg and has been so great heavy on the show. This has been absolutely amazing. we will share some next steps with our audience in the show notes as we don't have time to cover today but this has been so so great guys. I cannot wait to publish this here in just a few days once we get through the very long process. Now because we've been on here for almost an hour and a half. Oh man what get through this very low process of you know post producing this but This has been really great. I know i've learned a lot. No doubt our listeners have learned a lot. Thank you guys so much for coming on the show really really enjoyed having you absolutely are i would not try and in a motor selves doll. But there's more information both in blogs articles that are on our websites on the im l. a. r. dot com their blogs articles about all his unstuffy also webinars that the media von normal basis. That has a lot of money on and join this martin. I'm ask questions where you're to help end. Try and elton's many veterans hand and your minds and you'll get them guys. Make yourselves better absolutely. I wish i wish. I got a website to promote them in the middle of fixing it right now so Sadly i've got a lotta latin or the we're working on that Were growing like crazy. This last year and a half. It's been unbelievable in worth To do a little self promotion where we're entirely. We're all veteran. were were all disabled vets. For all young where he's All worked on the inside. Su know how all the systems work so there we'd and accurately communicate with the that's how we run a different off practice than everybody else who's We what these guys who they're fighting against and there's a alive easier way that i hope you've enjoyed this segment of the interview. Now to listen to the full interview click on the lincoln the show notes fill out that form and we will email that link directly to you again until next time. Thanks for listening. We served now. What is a production of courage to fight again.

VA Greg Aaron Perkins Navy Greg Colton Will Simmons Gregg Golden Simmons Law Simmons Indiana National Guard Premier Leadership Institute Aitken Colton Us Army Sakala Cedeno
S6 E5 - How do I maximize my VA disability benefits? - burst 1

Courage to Fight Again

34:04 min | 3 months ago

S6 E5 - How do I maximize my VA disability benefits? - burst 1

"Hey just a quick before we get things kicked off here. I do want to let you know that. There is some strong language throughout this episode so listener discretion is advised. If there's five step process but there's indefinite general over overarching rules that she must consider but it is very procedural. It's they're not looking at compeer in the wall and analyzing while i'm analyzing the case law even the references to it. They're not opening pay. Everyone welcome to season six episode. Five of we served now. What it on this podcast. I do my very best to answer the questions. That veterans and their families are all ready asking my name is aaron perkins on the host of this show and the founder of courage to fight again an hour parent organization. I'm also the author of resolve. Which is a step by. Step guide for q the veteran to help you rediscover purpose meaning and passion and your post military life. Today's topic when the show is via a disability. What you need to do to submit it and not just what to do with. How do it bright outta appeal it. Should you appeal that well. That work all those things and more in today's show. I had a chance to sit down with a couple of really great guys who have done their homework on this. They do this kind of thing. Every single day. Greg colton and will simmons and we set down and chat or mojos that hour and a half i had to cut out unfortunately a lot of that conversation but the week to that full interview can click on the link in the show notes. And that'll take you to a form review request access to that whole uncut interview. And you could watch that in its entirety video interviewed. Please please take advantage of that. But for now i'm going to get out of the way. Make this intro as short and sweet as possible and let you hear the part of the show. The part of our conversation that i was able to stick into this episode here fleas. Enjoy my conversation with greg. Colton and wilson's check it out. Well i am here today with two honestly powerhouses in this field talking about increasing eight disability benefits. I'm here with gregg golden easy. Us navy veteran. This guy has twenty five twenty five years of sea level experience in financial technology compliance security investigation. All these things he's worked with numerous law firms used his own experience with the va to build something really cool. And i know he's gonna wanna talk about that more on this show but it's very good to have you on the show today greg. I'm also here with will simmons. He's a us army veteran former va founder. And managing attorney at simmons law. And i gotta tell you. I could not have asked for a more knowledgeable. Duo to answer veterans questions about va a disability benefits. So i want to just say to both you guys. Welcome to we serve now. What oh thank you very much Very happy to be here with you. you know my own experience of five years in the navy and thinking i came out and was was everything was great. You know always young. And i was happy in that aitken painted matter a whole lot. You know then. I got my late forties and early fifties and realized yeah does kind of hurt a little. Bit so yeah. I'm happy to be here with you and Look forward to the conversation. Will everybody will simmons Absolutely happy to talk to you today. About incentive Something near and dear to my heart. china passion play for me Having gone from ten percent disabled the a lump sum of less than eight hundred bucks and a holy shit. Now what am i gonna digress. My life to one hundred percent permanent total my law degree and my mba so There are programs out there to better your life and puts you in a position to dramatically. Change your life for the better and happy to talk about that too. That awesome awesome. Well let's start our conversation today guys with the transition out of the military. Maybe greg we can start with you. Tell me a bit more about your own transition story what you did right what you wish. You would have known things like that sure. Well you know when. I got out of those one clive in the military. I went through paramedic school in my last year in the military. So i was busy guy for you know. Fourteen sixteen months in the last days in the military. I was also going to civilian paramedic school. So i didn't sleep in as i got out. I worked as a paramedic and did fine. And then i realized that really didn't make a whole heck of a lot of money for all of the responsibilities that i had and that i wanted to do more but i wasn't quite sure how to do. And if i if. I known then what i know now. I would have in fact on to law school however i was a single parent of a two year old and a five year old and i did that for more than fifteen years and i can assure you that. There's nothing fun about going full time college and also trying to get You know to be a good parent and to provide the income necessary and i had that entrepreneurial spirit and i wanted to grow in in and have a big business that that was bringing the wealth i wanted and building it from my retirement and it just There wasn't a lot of of a maps out there. Do this do this do this do this. And through twenty five years of experience. I figured it out and and we've done well and i'm in. I'm thrilled with my past. The navy taught me so much about responsibility and accountability and and those are certainly tenants to be an entrepreneur. No question about it but there was no road map. There was no getting out of the military. Didn't here's your step plans being successful on your own It was it was really hard. So i'm glad to be your health. Talk about that in the journey Will tell us about you and your journey. It was definitely a different Yeah absolutely so i was. How do i even begin this When i joined the military. I joined in forty days. Forty five days before nine. Eleven and I was an architecture student at the time. Indiana national guard kind of do a my weekend. Warriors thing and In after nine. Eleven i i just couldn't physically sit there and design buildings that we're gonna be used to blow people and caused devastation. I wanted to change that. And so i went active duty and went to school and in sadly my entire time in the military was was spent in school one school to the next and in one of those schools. I got banged up. Injured prior to going getting acceptance to west point from enlisted to the academy so i went to west point for two years while i was there. Got my injury that i sustained during active duty. The kid exacerbated to the point that i could no longer sir and unceremoniously. I went home with a ten percent disability. Seven seven hundred eighty bucks or something like that. Night came from west point to sit on my parents. Couch i legitimately want to move. I didn't even know your podcast existed until last week but eyesight. Now what what the heck am i gonna do the rest of my life. I had zero idea. I went from the premier leadership institute in the world to not knowing. I didn't know what the heck did so I decided that applied at schools Just just keep the ball moving and Quickly went to indiana university. Got into the business. School in really just fell in love with entrepreneurship and i let that passion takeover You know my healing process from you. Know both physical and emotional fiercely all of it. I needed to mend myself after coming out of the military. And it's a hell of a won't talk to make that work but Anyway yeah i mean. The transition was man. I don i even describe the transition with it was so unbelievably difficult. It shouldn't need to in needed to be a conversation with a counselor commonality military that said you know. What do you want. do the rest of your life. This is the direction you go and go. Do it can i. It was a lot of soul searching to find. It ought to be honest. But now i've been imagined doing anything else. Couldn't imagine sitting my day any other way when i do and holy shit i get paid for it. I mean oh my god. That's the best. The best thing in the world i completely agree with you will on on that. Come out and you're just in this hot this this song in this hayes in your you have so little direction and even if you had a career counselor to try to talk to you. I don't know if it's just you don't know what you're doing in life because you're so mean you don't stand different concepts yet but man you're just lost wandering out there in and Yeah i grabbed me by accident eck and smack me up a little bit. I do right by sagar i absolutely. I think if there's one thing that i absolutely did right was i I jumped head head on into school and education and building might tool set. Because i wasn't relying solely on the things that i learned in the military to to be jumping off point. I realized i had a heck of a lot of catching up to do. And and that's where the education started for me And obviously i didn't quit. And in fact i found a way to make sure that i didn't have to pay for which was really you know that was. The true transition story was okay. Hang on a second Your bettering yourself. And you're getting somebody else. Pay the bill. This this is something should write a book about Because a lot of that cedeno that hidden. I mean that was one of my biggest struggles was coming out and being twenty five seven a two year old and a five year old that i was literally racing by myself and i was taking eighteen credit hours Getting my degree in biochemistry with minor in english lit. And i you know eighteen credit hours trying to take care to five hundred worked at the same time you know you can get loans and all the rest of it but if you don't have a good nation in what's possible. I had no idea. I was eligible for vote. Rehab you know. When i went i had gi bill and believe it or not. The college never applied the gi bill. I paid for everything out of my own. And even though i was eligible for the gi. Bill is all the time it's really sad is what it comes down to that. We have the capability had had. I recognized what was was there army. And i recognize these benefits. Were there than i could have slowed down and cast in my kids. Now's a roof over their head and not had trying to kill myself to get through it in a short period of time And it would have changed the trajectory of my life. I you know. I watched medical school. Go out the door. Because i couldn't do an internship and be a single parent and i couldn't do medical school and be a single parent. Too young kids had. I had those benefits and recognized that they were available to me. I could have done more. I could've figure things out that's not bad. I mean i. I love where i'm at today but it could have been so much easier. Had i known about all the benefits that are out there. Not just disability. But is as you're talking about. Well the both rehab and the gi bill and things don't get taken advantage of profitable now. I was just gonna say we. We actually just talked about that. I think it was in the last episode about gi bill and how you can leverage it with the Volk rehab well. Vr program now but Leverage that you know those two you know really great benefits to you get further education. Everything i know when i got out You know. I'm sitting in the end of the transition not unit but are transitioning out processing briefings. Right and they're telling us about the va. I knew zero about the. Va except that veterans. Go to the. Va that's really all. I knew about it and they and they told us like. Hey go to the hospital like on post go hospital get your medical records and take him upstairs. Because i had a v. Va office fort hood. They had a. Va office up. Like start for a said okay. Cool and so. I took them and they said okay. Cool we got your medical records like okay to me. It was just another task. I had. I literally had no idea that i was submitting my va. Disability claim audios. Like somebody told me to give you these. I guess this is how i get officially into the va and become a veteran so to speak at someone like your most crucial claim and there you are getting pushed by the system through their said that you're not on purpose fan. That was done on purpose for years and years. And call me a conspiracy theorist or whatever but the truth of the matter is this is mon mon Insurance company pan out benefits and they've got an minimize this as much as far as sharing and you know the the the the hard part was to that by the time i did my first what do you call that first. Compensation exam with the with the doctor or the nurse practitioner. Whatever she was I'm still in tough guy mode. I'm still like yeah. Her s- i'm good. I can you know. I'm sure i can just suck it up for a little while. I didn't realize it's supposed to go there and just be blatantly. Honest like holy crap. This hurts this hurts. This hurts and i can't do this anymore. And i just went. I was like no. This is fine. Do you have anything no. i'm fine. no i'm good. I had no. I d like there was no. There's no plan there's no. There's no one at that point in the transition to to really tell me. Hey this is what you should be doing. This is the level of scrutiny. That they're going to look at your. Va claim with and this is the level of of intensity you need to put to it when you submit it so we can talk about that a little bit like what. What was your guys. Experience with The va disability claims program. I i know with mine drag. Mom i was cormon and i and i was I was one of the supervisors of the ambulance service in and they will. Hospital orlando in the training center training center there and when i sat down out processing with personnel. I still to this day. Remember sitting down at that gray metal desk. And here's somebody that's not much older than me on the other side of the desk in. They're typing out my dvd fourteen. And they're asking me different questions on a checklist and you know how many problems not have any problems you know. Got both of my legs. I got both my arms You know i can hear you talking fine which goes exactly to the point. You're making aaron. And i don't think it was bravado on my side is much as not understanding to transition process and the purpose of the questions being asked as they apply to me in my future not to mention. Let's let's young. Were coming from the military where it's shut the hell up in suck it up. Well it's not only that pervasiveness in the military will absolutely but there's a pervasiveness in the medical side on top of that of we don't go to call unless we are on death's doorstep i had owns and you know i'm i'm urinating blood. I went to the er. I was terrified. I didn't know anything about kidney. Stones about point. I tell you when you look down. Ten o'clock at night and the toilet bowl is you're ready to go to bed. You see bright red blood. You're going to the er right now when they didn't ask me about that as i al processed. I didn't recognize that. The jimmy stones that my kidneys continued to put out than started in the military. Were something that should have been taking care of for in evaluating before on the disability side. And so you know as as a cormon. My knees hurt my back. Hurt dr a are you know my gird. hey dot. Can you write me. Something for this. Ensures tagamet for this there was never any documentation. It was me and my buddy. The doctor who wrote something if i wanted it or b who went to the cabinet and opened up and took out the a hundred older motrin. It took it myself just like i told my fellow shipmates to do or the. You know the marine corps guys that i worked with to do so i mean there was a pervasiveness medicine on top of. What will we say about. The pervasiveness of we have a missions. Do the military. Our mission is to get the dadgum job done. Every single time is not to be standing in sakala. Whine about how this hurts. Don't it well. i'm sorry. I didn't mean now. You know. i think it's for me. I was you know i dealt with something that i deal with. Almost every with almost every veteran client that deal with. It's it's it's a pervasive problem. That every better needs to know you're going to be under compensated for some of your disabilities and you're gonna be overcompensated for some disabilities and when you're coming out of service and you get med boarded for something you know for me. I was hellbent on getting my chest fix chest and backs back rated properly in even though chefs in particular the maximum benefit. I could ever get no matter how hard i tried and no matter what i did was ten percent no matter what so yourself the net absolutely ruined my military career. That is only gonna ever pay me ten percent. I'm sitting. you're banging my head against the wall for at least five years fighting that fight when there was literally nothing i could do. I had to learn the system the right way you gotta do end arounds and connect everything possible to this in order to make sure that your stated appropriately for the actual shit that you're dealing against off that took years to figure out when you don't have somebody holding your hand through the through the that's really true. I mean in my case. I knew the was there that can provides healthcare benefits. But i had a job. I had healthcare benefits. I didn't mean to be a and i correctly and incorrectly depending on how you look at it. I wanted that benefit to be more available my fellow brethren who actually needed it and couldn't make it private healthcare good private healthcare because the. Va does a as much as they get. Beaten up in the news over. they do. Try very hard. You've healthcare Chewed the veterans other. They can't do better but it's not because they're trying to do that. And so i wanted that that benefit of healthcare to be availed more available. My brother and i never looked into. It wasn't until we want to buy a house and property. You're in texas the realtor said. So what's your your disability rating. And which i giggled including talking about and she goes well with your own. You won't have a fun in fee in taxes. You will either of your property taxes reduced or abated completely if you have disability and i said i don't have any disability. I have both my legs and lower. Did she said idiot. I've known you long time. And i know your kidney stone started in service. I know you're back. Problems started from when you were. Emc girl medic in the military in the military. How can you not have this ability rating. And i wasn't out looking for the money. I was making okay money so i never went searching for those benefits and you know that makes that much more difficult woken. Tell you when you're now twenty. Five years ho service. And the g jared processes are really starting to kick in that began in the military to then through this this connection. It would be much easier on him and i if we get the veteran. Who's diagnosed in service with my backers a bit. You know. I have a strain. I have whatever that turns into severe Disabling degenerative disk disease or herniation in those sorts of things. It'd be so much easier if those that are ins new on the way out. I need a copy of my medical records. I need diagnosis in the military. I need imaging. Studies are is cat. Scans whatever to show this. Something started in the military. Because we can tie that together much more easily absolutely and i think with the be. Dd program the benefits Direct delivery program that the provides This new system. I'm helping quite a bit of Servicemembers transition out of the military the contact meteorology and they want help going through their initial claim. You know it's something that You know you can't charge for it's a you know it's a. It's a pro bono thing but the end of the day were taken bets. Soldiers vets who are transitioning out on their first you know their initial claim walking out of the room with a ninety percent. Walk on service. Now we're sitting here fighting on. You know that most important ten percent on the backside to get you to the hundred percent but we're a heck of a lot closer than that thirty percent of the twenty percent that you're getting when you're walking out of there like a hero like you and i are all of us did back at our generation you know there's various services connection is an art. It is not a science. It is an art all day long you. There are ways to stack disabilities on top of each other to maximize your coins. And if you do not know what you are doing you are doing it wrong here. What it takes strength or something. We said to will as a process that that is like everything else that all veterans doing the military. There's a procedure. Here's your procedure. One five and the average veteran doesn't understand it is a legal process. There are statutes. The congress is there are regulations that implement those statues that the va is put out is a legal process and it involves medicine so it's a combination of the legal side in the medical side and the average joe out there doesn't understand the law at that level and doesn't understand medicine at that level to connect all of this stuff together both legally and medically right and so let's dive into the details a little bit of that initial. Va disparity claim you know. Will you talk about it. Being an art and greg you talked about it being a legal proceeding. Is there even a three step. Five step nine step seventeen step process. That veterans can look at and say. Okay here's what i need to do. And here's how. I need to submit that claim. I don't know if there's a five step process but there's definite general over overarching rules that you must consider and And i think most important if i could say This is your kids Number one takeaway take notes Holy shit do. Not shotgun approach your. Va clays do not claim. Every single fingernail do not claim every single to- fungus. It's not gonna get you paid number one and number two. It's going to paint you in a corner so bad no attorney can get you out of just because you have dirty your file. You're talking about non attorneys who are adjudicating legal cases. These people do not practice law. They are practicing what they feel in. Our job is to show what disability looks like as plainly as possible so that we can either capitalize on that person's Motive to assist the veteran or To somehow paint over bad in a file because you absolutely are are leaving a trail of tears when you are claiming a shotgun approach to your to your veterans claims Number step is only claimed things that you are legally entitled to claim so it's going to require a little bit of research on your part to know what you're entitled to but that's that's my claim to everybody number one only clean things that you're entitled Because once you start claiming things that you're not entitled to the most important thing that you can not lose that you just gave away is your a benefit of the doubt that fifty percent and when it's as least as likely as not it's you're full of shit and you're claiming everything under the sun You just lost your fifty percent when it comes to the thing that's going to get you hundred percent. Yeah i think all take off on that in a little bit of of education. The vast majority of raiders as will can tell you are veterans. They want to help their fellow veterans. That's why they get that job. However the vast majority are not attorneys and just like we were talking about procedures few minutes ago. That's what they do. They have a manual called the young twenty one one and it is a procedure manual. They claim they step through the procedures. Won- jews hyperlink year like there for five six hyperlink there is. I wish it was. It's not to say there isn't some feeling in it. I mean there there is they are the trier of fact they get to be the arbitrator in adjudicate the claim but they do get that interpretation on their side in trying to decide. What's right and what's wrong is disconnected is not but it is very procedural. It's they're not looking at line compeer in the law analyzing walleye analyzing the case law even the references to it. They're not opening. No they are now providing a claim. You know it's transitioning to the other point. He made a providing claims that are not shotgun that you're entitled to. What does that mean rethinks. You have a current diagnosis. You have continuity of your condition meaning you. didn't you know. Get a bruise in boot camp. In your thirty years later. Trying to to say i have a problem. You have to be able to document the progression so he is a little bit different than degenerative disk disease that you may have had back pain and service but it didn't really degenerate until a certain point but then it kept getting worse and worse document how it kept getting worse and worse documented in a law whether it's a blood pressure log a headache log of that in law document the continuity of that condition and the third component of that is the next service. How did that. How did service relate to your claim. It didn't have to 'cause it. You could had a car accident while you were stationed florida. That caused an injury service. Puts you in florida. Therefore that disability the you weren't combat got shot and you got that disability but it's still considered service connected because the military had you stationed there so it's not causation. Its relation to. But if you don't have continuity veterans lose every time is you know. Oh i had this. Bigger hangnail. And i had this. This shotgun approach. Yes but that's not a chronic condition. It's a one time edition. Thank you so much will and greg and has been so great heavy on the show. This has been absolutely amazing. we will share some next steps with our audience in the show notes as we don't have time to cover today but this has been so so great guys. I cannot wait to publish this here in just a few days once we get through the very long process. Now because we've been on here for almost an hour and a half. Oh man what get through this very low process of you know post producing this but This has been really great. I know i've learned a lot. No doubt our listeners have learned a lot. Thank you guys so much for coming on the show really really enjoyed having you absolutely are i would not try and in a motor selves doll. But there's more information both in blogs articles that are on our websites on the im l. a. r. dot com their blogs articles about all his unstuffy also webinars that the media von normal basis. That has a lot of money on and join this martin. I'm ask questions where you're to help end. Try and elton's many veterans hand and your minds and you'll get them guys. Make yourselves better absolutely. I wish i wish. I got a website to promote them in the middle of fixing it right now so Sadly i've got a lotta latin or the we're working on that Were growing like crazy. This last year and a half. It's been unbelievable in worth To do a little self promotion where we're entirely. We're all veteran. were were all disabled vets. For all young where he's All worked on the inside. Su know how all the systems work so there we'd and accurately communicate with the that's how we run a different off practice than everybody else who's We what these guys who they're fighting against and there's a alive easier way that i hope you've enjoyed this segment of the interview. Now to listen to the full interview click on the lincoln the show notes fill out that form and we will email that link directly to you again until next time. Thanks for listening. We served now. What is a production of courage to fight again.

VA Greg Aaron Perkins Navy Greg Colton Will Simmons Gregg Golden Simmons Law Simmons Indiana National Guard Premier Leadership Institute Aitken Colton Us Army Sakala Cedeno
"insurance companies" Discussed on The Money Advantage Podcast

The Money Advantage Podcast

03:32 min | 8 months ago

"insurance companies" Discussed on The Money Advantage Podcast

"And being in a position where your reserves are still working for you. They're not completely sitting on the sidelines just hoping that. Someday you'll be able to put them back into commission and earn a return you're in a powerful position where you're holding cash. And you have strength and financial strength because now you're poise like the insurance companies with.

"insurance companies" Discussed on The Money Advantage Podcast

The Money Advantage Podcast

04:05 min | 8 months ago

"insurance companies" Discussed on The Money Advantage Podcast

"They pay the ten year old a small percentage of the declared dividend, which would be less than six point two or five or whatever. The number is and the sixty year old. They'RE GONNA pay a greater amount of that dividend and might be they might give you a seven point, five percent or eight percents. Dividend year I've seen his highest percent dividends on that year and people think they're getting the twenty big. The company has declared percent dividend. No, they just averaged out bed dividends. Now let's just if you're listening, we're going to be deep diving on dividends in a future episode. So if you have questions specifically about that, we would love to hear them. You can again email those questions. You can pop those into the promise if you're listening live on facebook or on Youtube, but we're going to be digging into dividends more specifically in a whole episode. So this is not that section for today this is not that topic, but I think that's a really great viewpoint and perspective I that you're sharing their I just think people need to understand that the life insurance companies understand that the bond market association stable and they control not only their expenses so well. That when I say stab- I, don't mean staplers as they don't go up and down, but they can predict them actuarially enough that say we can just hold onto this. So we know what's going to happen in the next thirty years with this Bonder next twenty years with this bar because we can hold onto it where an individual can't necessarily hold on job because they may need more income in their lives are they may have a need for capital in their life so they happen sometimes. So bonds discounts were insurance company doesn't have to do that unless it's in their best interest in there, and that's where the chief investment officer is looking at those kind of things. So that's basically how the dividends work and and why the company is. So they're so competent although they cannot say guaranteed they're so confident that they're going to be able to hit their dividend scale to some extent now as dividends pushing down Yes they haven't. They haven't hit him perfectly. They've still hit them at a really high percentage of what they.

bond market association facebook chief investment officer Youtube
"insurance companies" Discussed on The Money Advantage Podcast

The Money Advantage Podcast

03:43 min | 8 months ago

"insurance companies" Discussed on The Money Advantage Podcast

"Would have already rated them. The sale will they. They would probably have died at this time, but they died maybe several two, three, four, five years earlier than they thought that's not enough to move the needle on the reserves. I talked I talked to the generally the head underwriter at Lafayette Life and the vice president of Marketing Life Lafayette Live, and I talked to regional people at Penn mutual that are actually in our office building and they were both a saying the same thing is that yes, Do we have to look at it on our books? Yes. But we are already figured that most of those people that died little early. Actually. They were their life was only going to be extended maybe three to five years anyway. So it's not going I, mean, we're talking life insurance companies have hundreds of millions and billions of dollars on the books So a Lotta people can even if they even if they paid out A. A million dollar death claimed three years earlier. It's not gonNA move the reserve needle that much. So I just wanted to bring that up to. Have people understand from from new or business that was already on the books. Now, the second thing I'd like to bring. Up is that yes. Rachel, you're right. They look at things. In a long term, especially, mutual companies look at things in a long term stock companies which demutualise a lot in the eighties and nineties actually have to make a report to their stockholders every ninety days. And sold to maintain their jobs. Debate maintained a position. They often have to take short term or making short term decisions to make sure the stock price stays up. which is one of the reasons why stocks in general not just insurance companies but stocks general are volatile because they're always trying to nip things every ninety days for the stock were reports That's for a whole new episode but in but mutual insurance companies are not beholden to any stockholders. They're only beholden to the policyholders because that's what it means. You're Muturi owner in that particular company. So they don't look at things in a ten year twenty year thirty year or even ninety day they're looking to things in a hundred year a situation. So they can be much more stable example the top mutual companies the top twelve companies. That are mutual have on average a hundred, seven dollars for every one hundred dollars a day have promise promises dental benefits. So they have seven dollars more than what's promise in cash reserves. So you can see that give it a little bit of a change there They can actually whether that store. A blow, the companies that we use. The most actually has a hundred fourteen dollars in reserves. So they have doubled the capital requirements Of the top twelve companies now. You Might WanNa say to yourself talking to the little man your head will wire they so much different. Well, they are run by Western southern live, which is which holds the mutual holding company Lafayette Life. And John Baird. The CEO President of Western Southern Life I've talked to personally he said Bruce, we believe we are in tough economic times. He's talking about all the way back since two thousand and eight and he says I want to, be holding cash..

vice president of Marketing Li Penn mutual Lafayette Life John Baird Rachel Bruce Muturi CEO President
"insurance companies" Discussed on The Money Advantage Podcast

The Money Advantage Podcast

04:11 min | 8 months ago

"insurance companies" Discussed on The Money Advantage Podcast

"The early eighties low over one hundred years. So one, hundred, one, hundred, fifty years, and we think so what I'm what I'm wanting to do with those timelines is then think. If the life insurance companies we know for sure over one hundred years and and more in many cases if they've been in existence that long they've seen the business cycle ups and downs and we're talking about insurance companies that do business in the united. States. We're not talking about any other countries and that is definitely life insurance is an industry that is localized. There are many other countries that have life insurance offerings, but they don't have them in the same way or they have different types of products, and so we're not speaking to any life insurance companies outside of the US at this time. But when we look at the US, two hundred and fifty years we look. At Life Insurance companies at least one hundred plus years of that, we look at this business cycle we know that life insurance companies have weathered business cycles before and not only business cycles, but they've weathered big things like wars in the Great Depression and they've been around through really really hard times in the past and we've talked previously on the podcast about about some of the things that happened during that time, and then we also know that they may not have foreseen covid. They may not foreseen twenty twenty and all the craziness that has ensued and happened this year that just seems like it's layer upon layer upon layer of all these things that would would be completely unexpected. And yet at the same time because they had that really long time horizon. I think they're really what positioned really well to be able to weather this short-term dip I mean, this is not twenty twenty is not going to last for the next eighty years I mean if you just look at the trajectory, we're going to have somehow we're GONNA come out of this. So let's talk about. Let's talk about what some of the insurance we're as a people may may not know we are actually brokers so we're not. Beholden to any one insurance company. So we use a couple of insurance companies, one allot for variety of reasons, but we do use other insurance companies and at the time.

US
"insurance companies" Discussed on The Money Advantage Podcast

The Money Advantage Podcast

05:33 min | 8 months ago

"insurance companies" Discussed on The Money Advantage Podcast

"Most safety to navigate this Financial Times these Financial Times are the decisions that I'm making are they? Leaning on something reliable is what I'm putting my confidence in. Is it something that sound and I think that's kind of the core if we really had to kind of. percolate. Feelings that we all have specifically about life insurance right now. That's kind of what's behind some of them and I think our goal is to not only help you to put language in verbalize what those tensions or or questions may be on your mind, but also to answer them and give you some solid ground to really be able to understand the context. So I mean Bruce, we can kinda take this wherever you want. But I think we could start with even just interest rates and what that means and what the bond market yes. So, what I thought I would what I thought I was start with when we started discussing this episode was the fact that. The United States even though. Historically we've always gone through what's called the business cycle, and that's where we actually have really good growth and then we have corrections and we have really good growth, and then we have correction the business cycle is is accepted. By the entire Economic Community that is going to happen and if you look at the Federal Reserve, you're GonNa see a contraction of two consecutive quarters which constitutes a a recession happens almost every ten years. and. So that's just an reason I bring that up is to is to actually squelch a little bit of people's uneasiness. About things. Now, I'm going to bring some hopefully some positivity in this in in that the United States. One of the reasons that we have been a a bastion of economic growth in the entire history of our country I went to a conference several years ago, and it was rain to be geographically why we are in better position than almost any other country in the world because we have actually on. Three sides of us, we have major oceans, the Atlantic Ocean, the Gulf of Mexico and the Pacific. Ocean so we we can actually get goods and services all over the globe a very easily from that. Then we have waterways throughout the entire United States the two major ones being the Mississippi and the Missouri River but also the Ohio River that we can move goods and services very easily throughout our vast convents. On the waterways and then we have a rail system that was developed in the eighteen hundreds that we can move goods and services, and then the Great Lakes system actually can combine the waterways and railways to move goods and services on top of that. We have very good relationships with both Canada and Mexico now you might be saying, well, we don't have great trade rolex relationship with can't Mexico because you know we were going through all. Nafta stop it. So it's worth but that's not what I mean. We have very good com conservative. Political relationships with them. We don't have in other words..

United States Atlantic Ocean Mexico Gulf of Mexico Great Lakes Federal Reserve Bruce Nafta Economic Community Mississippi Missouri River Ohio River Canada
"insurance companies" Discussed on Animal Radio

Animal Radio

02:45 min | 11 months ago

"insurance companies" Discussed on Animal Radio

"Prize wallet a wallet that the owner didn't even know had been missing. In fact, the puppy brought home the while belonging to Rudy Vonda, and the this Guy Rudy is apparently a sanitation worker. The grow got on the phone and called him and said, hey, we got your wallet. Missing when the guy went to go pick up his wallet, he was figuring needs you like a German shepherd or Labrador you know something that retrieved and didn't expect a little Maltese good story well in the wallet back in the right hands. Christian. Yes. Multi pickpockets that she didn't even know it was missing. Maybe we've been hearing stories today about these opposable thumbs that these dogs seem to be growing perhaps on how what disposable disposable, thumbs not opposable disposable. You're listening to animal radio call the Dream Team now with a free animal radio APP FOR IPHONE and Android. He don't forget you can get your fix of animal radio anytime you want with the animal radio APP for Iphone Android, download it. Now it's made possible by fear free pets taking the pet out of petrified visit them at fear free happy homes DOT com..

"insurance companies" Discussed on Animal Radio

Animal Radio

05:08 min | 11 months ago

"insurance companies" Discussed on Animal Radio

"It's animal radio. Just, a couple of minutes Stanley Korean Dr? Stanley Korean is back gotTA. Love this guy's going to be talking about the black listed breeds. these breeds at our company. Yeah. The insurance companies like raising their premiums. If you have a certain breed, they won't insure you at all or was that an yeah. Well, lack listed. You can't get insurance if you have these type of breeds while our good friends daily Karen will tell us more than just a couple of minutes Tammy. What are you working on in the newsroom there? Well, you know we all worry about what kind of. Get at work you know like health insurance or disability are all that some of the fortune five hundred companies are now offering a different kind of health insurance not for you. But for your pet I love they even pay the premium. So if people are starting to understand how important these pets rt to keep an us all happy and healthy talk to HR. Say, they don't do that. You. Couldn't afford it. Okay. Let's hit the phones. It's all about you right now. Hi Richard. How're you doing? Very. Good. I. Understand you. WanNa Talk to Alan Cable. Adequate is your problem Richard Richard Tell me Your problem I'm here for I. Love You Buddy. Okay Yes I have my mother has a little dog I'm not a little, but it's Nick Foot over the another type I'm not sure which but anyways, you know how you call dogs when they. Do they haven't seen for a while the usually run up to you doug usually does the opposite shies away from you. Just wondering if there's any way to break that does the dog do it to everybody or just you buddy everybody except everybody knows lengthier except your mom and how long has your mom had the dog since a puppy or did she did she rescue it? Landlord even but maybe or months old she richard basically pretty this one's pretty simple. The Dodge just afraid afraid of people and usually that happens when dogs aren't socialized properly during that critical period when they're little puppies. So the dog attempts to flee from people because it's afraid and that's one of the techniques that dogs us when they're afraid they run away. Sometimes they show their teeth or they growl or they become very still and and that's how you know the dogs afraid and to stop a dog from being afraid of people, you basically have to make the dog understand that you know you're no threat and that you're actually a positive thing. So it might be a good idea when you walk in the House. To when the dogs afraid have your mom removed the dog to another place, and then you just sit in a chair and your mom lets the dog out and every time the dog goes a little bit closer to you to investigate your mom goes good dog and gives the dog treat and the dog starts to associate you and other people with treats. Instead. Of being fearful that you're going to do some it's so funny Richard Sometimes people think that dogs have been abused when they're afraid of people but some dogs are just afraid of people that wear hats or people that have beards or people that are women people that are man when I was helping out in Columbus Ohio at the Training Center for the Service dogs one dog failed because he was afraid of the Walmart happy face I mean he passed everything learn how? Yeah. We couldn't walk over. Walmart happy face in the store. He was just fearful of that. Those bring me out too. I got to be real honest with Rice and that's why we're shoppers because the smiley faces isn't that something I mean You just never know what a is going to be afraid of, but you can tell when they are afraid and this dog just sounds like very afraid and fearful. So you Kinda have to slowly be patient with her and get her to the point where she associates people besides your mother with pleasure. I should have said that the male dog and I've actually. Known it for a little while he's always excited to see me what a wag tail it's always decided. But when I that's that's a mistake Richard at it appears to you that the dog is excited to see you. But what what you're really seeing is anxiety and fear a lot of people mistake that for for all the dogs happy just because dog is. Wagging its tail and going Kooky, it doesn't mean they're happy to see you what it actually means. They're afraid of you because you're coming into their, you're coming onto their territory and they're trying to deal with their fear. That's why she turns around and runs away. All right and as soon as I did and it's safe place then it comes over to me. And wants me to pet and all that. But the interests is always run away and then run to a spot and then he's fearful she's fearful and she's trying to protect your mother your mother probably not a strong dominant pack leader and the dog just thinks it has to protect your mom. It's afraid of everybody and then once you sit down, you know and it becomes mellow she can kinda investigate you but she still afraid of you buddy. Okay. That sounds like it is. That's the case. So Thank you much. You just become have your mother becalm act like the dog isn't there just walk in, sit down pay no attention to the dog and when your mom knows, you're coming over the a good idea just to put her in another room so that she can be introduced after your inside the house and that goes for everybody is that the dog in a mom? Yeah. The through running. That's a good question Joey. Thanks for your call Richard. This is cute story comes out of Alaska little seven month old multi puppy owned by Bonnie and Brad growing really likes to retrieve, and in fact, on Monday lady, Bunny came home with an unexpected.

Richard Richard Stanley Korean Walmart Alan Cable Karen Nick Foot Alaska doug Tammy Joey Training Center Rice Bunny Columbus Ohio Bonnie Brad
"insurance companies" Discussed on Animal Radio

Animal Radio

04:56 min | 11 months ago

"insurance companies" Discussed on Animal Radio

"One something has already established. We the problem with the Ivermectin therapy is that in should say that there are certain dogs we cannot use this drug. So in the hurting breeds it can have a fatal outcome. So because we have to walk up to a certain Joe's and just monitoring the pets with that we I would have a veterinarian involved. This is not something you want to be doing on your own. And also, just because as I mentioned, we're ignoring the fact that we have a yeast infection or skin infection or we've got a seasonal allergy that's flaring up and you're just keep throwing for maximum at your dog you're not really helping. So as painful as it is this is really a high maintenance type condition that you have to work really closely with your vet on in with the seasonality. One thing you might think about is getting ahead of that if you know what time of the year, this gets worse address that in advance. So maybe we need to look at allergy testing or a hypoallergenic food diet. That might be something we can do to try to better control those factors that are leading to the outbreak so So it's kind of. Go ahead. At this point, a dermatologist. Yeah and if you're in an area there where there's a lot of good. specialty practices. So veterinary dermatologists not a bad idea at all and it's something that if you've gone through your veterinarians treatment regimens and you feel you've done everything, you can in that realm certainly and I'm sure you're veterinarian would have a couple of names in the area that's you can work with. Okay. Okay. Any wreck at any of? SISTER COST I mean, we're sometimes on an average three to four hundred dollars. By the time we're done with trying to deal with this but Is there any low cost places for? You continuous since its high maintenance For, something in the skin realm I don't know that I can advise any resources there. There are some financial assistance programs for pets with diseases that are kind of more life threatening and There are some resources on the website or on. The Internet for that I don't know that for because skin is is more of a chronic disease and it's not immediately threatening. I. Don't know how much they would cover on that. You could certainly investigate it but this is the unfortunate thing. You have a special a kid with a special health condition that is going to be special needs but I would tell you one thing When we do have Democrats might I do try to avoid steroids if we can because it actually can make the mites worse. So if you're dealing with seasonal allergies, really reserve in whole bathroom steroids I, try to look for every on therapy possible because it will make things worse with those Mites. Finally can you be honest for me? Do they not have long life? What shepherds. Well with this condition. As far as it's not something that's immediately life threatening. Now, there are dogs that have some kind of underlying health condition that may be contributing to why they're prone to A. Chronic mite infestation. So some of that type of thing, I'll often run blood work urine test just to see if there's anything else that could be going on if we have any hormone problems that make them prone to this if so you know we can address that but dex itself doesn't necessarily short in the life, but I can tell you financially it can be very taxing for folks with these pets that have chronic frank infestations. Thank you. By this portion of animal ready was underwritten by red. Barn and during these Uncertain Times Red Barn is grateful for the consistent love enjoy our pets bring into our lives. They're also grateful for their all natural long-lasting dog choose. Now diligently working alongside their pet parents, your dog deserves a break in between video chat appearances in Lap City Red Barn choose are the natural way to distract your dog during the day or give their paws a break from typing up emails. Thanks, red, barn. For righty animal radio, you're listening to animal radio call the Dream Team now with the free animal radio APP FOR IPHONE and Android. Yeah puppy pads are convenient but sometimes, really gross. That's why the animal radio. Studio. Stunt. Dog Lady Bug uses the Brilliant Pad, self-cleaning puppy pad we love how it handles number one and number two it seals away. The waste replaces dirty pads for US brilliant pad keeps her home clean and smelling fresh. All we do is replace the role once every few weeks and the process is fast.

Lap City Red Barn Ivermectin Joe US
"insurance companies" Discussed on Geek News Central

Geek News Central

07:53 min | 1 year ago

"insurance companies" Discussed on Geek News Central

"To use this against you. and Florida's become the first State to enact DNA privacy law blocking insurers from this genetic data. Governor Rhonda Santa's signed the House Bill One, one, eight, nine sponsored by Representative Chris sprouse. A Republican out of Palm Harbor in Florida. It extends Federal Prohibitions Against Health. Insurance providers accessing roles from DNA tests, such as those offered by twenty, three and me or ancestry DNA again, a lot of people found out that the brothers and sisters. That they did not know, they had lots of potential divorces because all of a sudden. You. There is a match between mom and dad initials. Lots of crazy stuff. That's happened here. So. sprouts the house. Speaker designate call the legislation major victory for Floridians they'll make Florida's leader in the nation, protecting our residents and our citizens, genetic information and hit listen. This is the most important part. Here's a house of Senate. The got something done. That was truly bipartisan House One hundred ten to zero in the Senate thirty five to three. In favor of this legislation. This should be legislation that goes nationwide. Immediately should be adopted by every state in the country. Insures argued the information gleaned from genetic testing such as person's medical predispositions. Could. Lower. Insurance premiums across the board. Okay but the same. The same rationale. Could be used to raise rates. Let's just say that you have. A predisposition for hours. Parkinson's disease. Whatever else they can find out. So for those of you. That have already taken one of these test, and you live in the state of Florida. You might already have had your data sold. SPROUSE, a cancer survivor discovered the massive loophole that could be exploited by insurers while on hold during a phone call to life insurance company in two thousand seventeen, and the air was filled with commercials from DNA testing companies, he said. Individuals can still volunteer genetic information from Third, party tests to insurers. So if you do have a positive in genetic information. And you know how to have that read and analyzed. You can still volunteer that for you. Now probably what will happen here? Is that those don't will probably pay a little higher premium. But it won't stop you from being. Restricted or not allowed to buy insurance. and. I keep telling people. that. Are. Willing to listen. When you're buying alcohol. Cigarettes cigars. Any type of smoking paraphernalia be cutters, lighters anything like that that can prove. That insurance. Company can trigger. To know that you might be smoking. You should pay for that stuffing cash when people. because. They are buying this consumer data. And tying it to you. And Putting a risk category on you when it comes to insurance policies. Now technically, you are supposed to disclose when you sign up from certain insurance policies whether or not you smoke. But let's say you haven't smoked in a year and you say I. Don't smoke. At the time you said I don't smoke. Or I haven't smoked within a certain amount of time. So What's good here in Florida? Is this federal. The federal forbid also now applies a long term, care, life and disability insurance. And genetic privacy will likely remain on lawmakers agendas in the coming years as direct to consumer testing gain in popularity. So again. Among concerns additionally. That lawmakers me. Address is late revelations several Florida condo associations listened to this. Little Florida condo associations required prospective residents submit DNA. Test results showing. They don't have a genetic death PREDISPO- predisposition till Alzheimer's. Which is legal everywhere but California so you can actually get ready to buy. A condo. And the Condo Association. Can turn down your ability to buy a house or buy a condo because you have a positive genetic predisposition for Alzheimer's. What do you think about that? Cal everyplace can do this except for California. So these lawmakers are going to have to look at this law and see if it's if it's. Good enough. Despite the legislation, if DNA, we'd test results end up in a person's health records. Insurance providers legally can access it. Although the federal two thousand eight genetic nondiscrimination act prohibits them from using that information to deny coverage increase rates quote unquote. So we're not completely covered here. Now being had in the navy. They my blood in my DNA is on file with the federal government. And You know so it goes into a database and Brim sure that will be hacked someday in my DNA along with all my other personal information that's already been hacked will be out there. But that DNA. That the navy took from me. Can Be used can be used to cross. Match me to crimes or any other thing that's going on now that I'm out there doing that, but if I do then I know very well. My DNA is on file with US government. They collect DNA evidence. You know and. You're done. And so anyway this this DNA thing. You can run, but you can't hide at least from the insurance companies. You can prevent them from looking at some of this stuff. And of course, if someone comes with a warrant, they can you know swab your throat and get a DNA sample? Forcefully if they need to. Talk a little bit about Hong Kong. And I happen to find his kind of interesting. This I had no idea. This article was popping today, but maybe it was because of what was trending. I was watching a Youtuber who was a guy from South Africa. He'd been in mainland China for. Thirteen fourteen years very popular youtube over there. One of the first youtubers in China married to a Chinese national has.

Florida Representative Chris sprouse Alzheimer Senate Condo Association Palm Harbor Rhonda Santa Little Florida California China Hong Kong South Africa Parkinson US
"insurance companies" Discussed on Geek News Central

Geek News Central

08:38 min | 1 year ago

"insurance companies" Discussed on Geek News Central

"This is a new central. My name is Todd Cochran coming to from FEMA. Region five in the new media production studio designed by automate dot. com and cold water Michigan. In the news today in show, today Florida protects you from insurance companies. A new. Hong Kong Security Law driven by mainland. China causes big tech changes here in the United States. Going to take you on a tour of a luxury nuclear. Follow shelter. and. We're GONNA. Talk About Elon Musk. Read short shorts..

"insurance companies" Discussed on The Journal.

The Journal.

05:53 min | 1 year ago

"insurance companies" Discussed on The Journal.

"So this is a pretty intense campaign that hotel and his group running. They're calling government officials there on the phone the president. They've got this ad running in times, Square. How is the insurance industry? Responding to this campaign? The industry has been making a pretty forceful argument that it never intended for the policies to cover pandemic that it would just make no sense for them to do that. It would be suicide to offer such coverage. Well the whole concept of insurance is that a lot of people pay in, and in any given year only a limited number will actually draw money out. Let's say you have one hundred people in a little town who pay insurance, and then maybe two or three of them have a fire in any given year. Thus there's enough to cover their claims and the Prophet for the Insurance Companies So, when you have a pandemic, you have everybody pay an in, but lo and behold everybody claims at the same time. Don't work. The insurance industry is saying that they don't have enough money to pay out all these claims at once. But not everyone buys that argument. One analyst that Leslie spoke to estimated that worst-case insurance companies could be liable for about twenty five billion dollars of business interruption claims, and she estimated that the industry could absorb a lot more than that up to one hundred fifty billion dollars, but then sure is no, no, no. We can't go around using money that basically supports our solvency and don't forget the insurance company are saying we need to have that money because we're now in hurricane, season started. June one and we're going to have wildfires, so the insurers are saying we K- send all this out the door to these people who had business interruption claims because we may native for this hurricane season or a wildfires. That is what the money's four. What are executives in the industry? Saying about this? A growing number of them are increasingly outspoken on the subject for example Evan Greenberg who's the chief executive of Chubb Limited and he expressed some of the thoughts and a first quarter earnings call in April. And at that point, he said warriors. The trial bar lose ride to prove something. That actually doesn't exist I. Mean Industry will fight this tooth and nail. We will pay what. Does it kind of fighting words. You're hearing out of C. Suites. And those fights are starting to spill into the courts. Other lawyers agree with John that businesses should be covered. Enter testing the theory out. One case in New York took the theory head on. The publication called Social Life Magazine's sued. It's insurance provider for business interruption claim of nearly two hundred thousand dollars. The lawyer for the magazine, said the virus that damage the property. But in the hearing, the judge didn't seem convinced. The judge said the virus quote damages lungs. It does not damage printing presses. What she said was New York. Law is clear. That, to tap into business interruption coverage, you're gonNA need some damage to property. She told the lawyer for the magazine. You get a gold star for creativity. So far John Hoult tailings theory here in property damage coming from the fact that there's droplets at the virus on surfaces isn't really working so far. It's too early to say that. This one, New York judge didn't go for it, but this is state by state stuff. Leslie and other insurance experts have seen before how the insurance industry can start out confident. Instill wind up losing billions of dollars. It happened in the ninety S. with S- pestis. They started out in his best. Those fight your decades ago. Saying we got this. We're good. Their policies don't cover this. But the todd turned eventually, and they ultimately got stuck with about one hundred billion dollars in liability they hadn't expected. Is the risk when you have a lot of lawsuits? Being filed in a lot of different courts Leslie says that some sympathetic judges will interpret the language in his contracts as broadly as possible in rural in favor of businesses, which could save some of the ones struggling right now. But no matter what happens. This situation has raised a big question about what insurance is really for. INSURANCE COMPANIES WON'T TO PRESENT. Themselves is being there at all times and being essential in the lives of their customers, but in doing so it can foster this notion that they cover absolutely everything. But they don't. And in the future, if they lose these cases, they might cover even us. Some people fear that if the insurance industry. Covers a lot of losses here. They'll just cancel the slot of coverage. They may just say you know what we offer that because it was a good way to help our. who had fires or hurricanes or suffered other kind of damage that we saw as being covered by these policies, but if we're GONNA be sued right and left by lawyers seeking to broaden that, and that's not what we mean to do, which is to cancel the whole line? But for now the setting up to fight the hundreds of cases that have already been filed. And the new cases being filed every week. It's just two very different points of view that are colliding. And we don't know what the outcome.

Leslie New York John Hoult president Social Life Magazine C. Suites Chubb Limited Evan Greenberg analyst chief executive todd
"insurance companies" Discussed on The Journal.

The Journal.

02:56 min | 1 year ago

"insurance companies" Discussed on The Journal.

"That wasn't his only move. John got on the phone with some of his famous friends in the restaurant business people like Wolfgang Puck and Thomas Keller. They talked about the insurance problems. They're having informed. A group called the business interruption group. These prominent chefs started doing interviews talking about what was happening with their insurance. Four of them were even able to land a phone call with President trump. Is Not completely unexpected when you remember that president trump. Is a real estate developer and he's had nice restaurants in some of his buildings. Some of these people that trump himself has mingled with and other setting so four. The chefs were able to get a phone call on March twenty nine. And they chatted about how they were really struggling with their insurance companies, and just hope and there is something the president could do to stop these insurance companies from rejecting them. Two weeks after that call. The president brought up the issue at public briefing up I would like to see the insurance companies pay if they need to pay if it's fair and they know what's fair and I know what's Fair I can you very quickly? But John and his group were just making phone calls the splashes element and John Strategy was a massive PR. Campaign, In May John. His allies launched a video that went up on a giant billboard in Times Square. Features Whoopi Goldberg. Insurance companies and the federal government need to do the right thing. In addition to a dancer. Musician a shaft. A rabbi if you're not there for us now. When will you be all basically saying that this business interruption insurance is really vital to the ability of these New York institutions to get back on their feet. Companies.

President trump president John Strategy Wolfgang Puck Whoopi Goldberg Thomas Keller federal government Times Square New York
"insurance companies" Discussed on The Journal.

The Journal.

07:15 min | 1 year ago

"insurance companies" Discussed on The Journal.

"This episode of the Journal is brought to you by Lysol Lysol believes the best way forward is together. That's why they're committed to promoting healthy habits for your safety and for others. Learn more at Lysol. Dot Com, Lysol what it takes to protect. After the pandemic hit and governments imposed broad shutdowns, many businesses were struggling to make ends meet so some thought hey. I got insurance. Some of them call their agents or their brokers and say talked to me about this. Am I covered? All kinds of businesses restaurants gyms coffeeshops started filing claims with their insurance companies to help cover their losses during the shutdown. One of them was Eric Bela's a group of restaurants in Chicago. He had just furloughed four hundred and some employees, and he knew he was gonNA. Need money to cover as utilities his rent. He was going to need a pay out from the insurance company to help him with the reinfecting costs whenever that was gonna Kerner, so he was counting on this money, he was counting on it. Eric's company is one of the millions of businesses in the US with a type of insurance coverage called business interruption insurance. This type of coverage has been around for a long time. Business interruption insurance dates to the early nineteen hundreds was originally sold to these manufacturers who had boilers and other equipment that might fail, so the coverage provides for money to be paid by the insurance company to these businesses to tide them over until their businesses get back and upper running again once the boilers are repaired or the fire damage has been repaired the building rebuilt, perhaps so it basically covers lost income plus operating expenses during the period that you're shutdown, so it's sort of like your equipment is damaged. We're going to ensure and cover that, but we're also going to cover some of the revenue that you would have had in this period when the machine wasn't working by. To Business Owners Eric, this business interruption coverage was the perfect claimed he could make to recoup some of the money that he was losing because of the corona virus. The pandemic had definitely interrupted his business. But the insurance money didn't come. His claim was rejected. He was told he had to have physical damage to his business to get the money. He said. I felt I took a gut punch. When my representatives of the Insurance Company, told me I had no coverage and here I am just learning. The insurance company is saying sorry. You had to have property damage before we're going to make a payment. It just doesn't make sense to the business owners. They feel like I gotta sure is and auto pay out? Other businesses were hearing the same thing and some claims were being rejected because of a specific exclusion written into the contract. The language is fairly plain English and it appears and policies and boldface capital letters at the top of page. Languages and I quote exclusion of loss due to virus or bacteria in quote. Wow a year ago, nobody reading policy would have been on the lookout for language like that. 'cause who possibly envisioned the shutdowns that we're having today, but people at insurance companies are exactly the type of people who envisioned things like shutdown caused by a pandemic. The SARS epidemic of the early two thousands was a wakeup call for the insurance industry. Of what might happen in the future with another virus, so a lot of insurers had started using this exclusion after two thousand six. This language is believed to be in at least fifty percent of the policies that businesses hold. It may be an as many as seventy percent of the policies. For businesses with insurance policies that have this virus exclusion line in their contract. There's not much they can do about it. They're basically out of luck. But for businesses without that exclusion, the lawyer John hoteling hosted that Fancy Dinner Party was trying to figure out a way to get the insurance companies to pay up. John Thought there might be a way around the insurance company requirement that businesses have physical property damage. He thought he could make a case that the coronavirus droplets are physical damage that they stick to services and make it unsafe to be at work. John and his associates went looking for precedent for other cases, in which particles gases are smells, had been considered physical damage and found some. One of the cases involves ammonia that was mistakenly released in a factory, and there was so much of this ammonia that the employees couldn't go in the factory building. That owner has sought a business interruption payout, and a judge ruled that yeah, that ammonia, even though it was going to dissipate over time, and didn't require rebuilding repairs of the factory for period. It made that factory uninhabitable. So that was one, and then there was another case which was in Oregon where a Shakespeare festival that had outdoor performances was forced to cancel some of those outdoor performances, because there was such heavy smoke in the air from nearby wildfires, they got a favorable ruling. The smoke counted as property loss. They at least temporarily los the use their outdoor theatre. One other case involves the smell of cat urine in a CONDO building. So they were able to find at least four or five cases that things that were temporary in nature, and once they dissipated, they didn't necessarily require kind of quote. Unquote rebuilding or repairs of the actual building, but the judges were persuaded that that created enough of a property loss that they claim could go forward. With this basis for a legal argument, John started jumping on phone calls, he lobbied public officials, asking them to write language into their shutdown orders, but said the virus being interrupted businesses caused physical damage. And, ultimately, at least fourteen or fifteen orders have included a reference to the danger that the virus poses to property itself in creating a dangerous situation and damaging property. John Thought that having that written into shutdown orders would make it easier for him to make the argument about property damage in court..

John Thought Eric Bela John SARS Chicago US John hoteling Kerner the Journal Oregon
"insurance companies" Discussed on The Journal.

The Journal.

02:31 min | 1 year ago

"insurance companies" Discussed on The Journal.

"Right now the insurance industry's one of the biggest legal fights in its history and he started a few months ago at a dinner party. One day in mid March march twelfth, a well-to-do successful New Orleans. Lawyer named John who telling was having a dinner party at his historic mansion. All Saint Charles Avenue or colleague? Covers insurance. He had a four course French meal planned. They had the big dining room setup. Beautiful tables with hand painted Mardi Gras. Mask as party favors and stuff flowers on the tables, just a beautiful arrangement. The. Four course meal was organized by one of John's France. A French chef named Jerome Coups. At one point during the all, the conversation turned to the corona virus. If you think of March twelfth. There were some big events happening around there on March eleventh the World Health Organization declared the new corona virus to be a global pandemic. There have been shutdowns in Italy that John was well aware of because he has a vintage race car team. That's there in Italy John. Said this is going to come to America and that's what he said at the dinner. These shutdowns are GONNA come here. You'RE GONNA be close in fact, John's Fran Jerome. Baku's said that he'd found out that day. He had to close one of his own restaurants a French restaurant Disney's Epcot Park. And John Hotel Lang turn to Jerome bouqs and he said Listen Jerome I need to get your insurance policy I. Want to see that insurance policy. John's odd request of his friend, who was because John Specialty is a lawyer is in the insurance industry. The marble staircase New Orleans mansion that John was hosting dinner in was bought with money. He made from fighting insurance companies. In the wake of disasters like hurricane, Katrina, and superstorm Sandy John had represented property owners and their fight to get insurance money and one big drum accuses. Problem Got John Thinking that there might be another battle brewing this time because of the pandemic. and. He set out to take on the insurance industry again to force them to pay.

Sandy John Italy John John Hotel Lang Jerome Coups New Orleans John Specialty New Orleans mansion Fran Jerome Jerome bouqs World Health Organization Baku France hurricane Epcot Park Italy
"insurance companies" Discussed on Menopause Management

Menopause Management

03:40 min | 1 year ago

"insurance companies" Discussed on Menopause Management

"You pay to fix it so with all insurance your me something will happen to you that obligates the insurance company to take care of you the problem is that all insurance policies are riddled with exclusions disclaimers to make it so that they don't have to take care of you that's how the insurance companies make money with medical insurance you're betting that you'll get ill and the insurance this company is betting that you want and you expect the insurance company.

"insurance companies" Discussed on Menopause Management

Menopause Management

01:50 min | 1 year ago

"insurance companies" Discussed on Menopause Management

"My broadcast radio length of time and you've been watching youtube videos or you have my book or you've Seen My webinars or anything you only know me well enough to realize that I think about everything and I also take an insurance law in las cool so I know a few things about it I'm just GonNa say a few words about insurance in general have you ever thought of an insurance policy as a bet yeah you heard me correctly made a bit all insurance Luc's are really a bet between you and the insurance company with life insurance it goes like this you said the Life Insurance Company I'll Betcha on GonNa die and the Life Insurance Company says I'll bet you're not and you say well how about this I'll pay you a bunch of money and if I do die you give me all that money and more you give that money and more to somebody else with property insurance it's the same principle you say the property insurance company I bet you I'm GonNa have property damage if the Insurance Company says I bet you're not and you say well how about this tall pay you to pay me for my damage property if it gets damaged and with your car insurance the car insurance company I'll bet you I'm GonNa have a rick and the Car Insurance Company says I'll bet year not and you say okay I'll pay you if I do have a wreck.

Luc Life Insurance Company rick youtube
"insurance companies" Discussed on Menopause Management

Menopause Management

03:32 min | 1 year ago

"insurance companies" Discussed on Menopause Management

"Hi It's Jamie Progressive's employee of the month two months in a row leave a message at hi Jamie it's me Jamie I just had a new idea for our song about the name your price tool so when it's like tell us what you want to pay hey hey hey trombone goes Blah Blah Blah and you say we'll help you find coverage options to fit your budget then we just all do finger snaps while a choir goes hello everybody this applause Taylor radio the state of NEPAD the world today and I have your menopause educator but you know subjects I'm more of a medical educator and in some instances I'm even a business educator in the last broadcast I was talking to about the fact that our health care system is really more of a disease care system because doctors are trained to treat disease they are not part of the wellness industry that deals with help but you don't deal with old lear doctor when you have a disease he's you deal with a bunch of other things that are built into the disease care system most notably your health insurance The company which is really a disease insurance company for simplicity. I'm just going to call it medical insurance so today I'm GonNa Talk to you about medical insurance and the role of Your Medical Insurance Company in your Medicare now you may be saying Louis I already know about medical insurance but I guarantee that there are some things you don't know depending on where you live your medical insurance situation will differ but regardless of the struggle I'm sure of it there are things about it that just don't make much sense comets I'm going to make will pertain to the united states medical insurance system because it is without doubt the most confusing and convoluted one of all those of you living in a single in a country with a single payer system or a national health care system or socialized medicine will probably be shocked at some of the things I'll be saying about the United States medical system and you might just find yourself feeling very Very fortunate let's just start with the broad topic of insurance now if you've been listening to.

Your Medical Insurance Company Jamie Progressive medical educator united states menopause NEPAD Taylor Louis two months