Eastern Alliance Insurance Group Review – Form a Healthcare Professional Liability Insurance Program

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Inova. A smart alternative to traditional healthcare professional liability insurance for large entities, from ProAssurance.

As healthcare continues to evolve at a rapid pace, so do the challenges that come with treating patients effectively and safely. Protect your healthcare professionals and entity with coverage that’s right for your unique situation.

That’s where Inova from ProAssurance comes in:

  • An alternative form for healthcare professional liability insurance providing a common-sense approach to risk management and loss financing.
  • Helps you control your organization’s future. If you want greater program control and are willing to share some risk, if your premiums exceed $1 million and you have an excellent claims history, then Inova from ProAssurance is likely the right fit for you.
  • Expect commitment, respect, and collaboration. At ProAssurance, we are dedicated to treating you fairly. That’s the touchstone we live by when dealing with each and every customer – and how we earn and keep your business.
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Eastern Alliance Insurance Group Review – Already Have a Claim?

Many employers have questions about what happens after they report a claim. You may also wonder how an ecovery program fits into the claims process.

  1. The claim is reported to Eastern and assigned to a Claim Representative. Prompt reporting is very important to the process! Your claim should be reported immediately so that Eastern can begin managing it appropriately.
  2. The injured worker seeks medical attention and treatment begins; if you have a medical provider panel in place, you may need to have the employee sign an acknowledgement form prior to treatment (except in an emergency situation). Physicians should be informed that the injury is work-related and that you have a Return to Wellness (RTW) program. This way, the treatment plan can be tailored with the goal of restoring productivity and a return to the workplace. All medical bills should be submitted for Eastern’s review.
  3. Eastern initiates a 3-point claim investigation, contacting the injured worker, the employer and the medical provider. This investigation will result in an approval or denial of the claim. Regular contact among all three parties is encouraged and plays an integral role in a successful outcome.
  4. Eastern obtains wage information to determine the amount of weekly wage benefits the injured worker will receive.
  5. Reserves are developed based on disability and medical diagnosis, treatment plan and your ability to offer modified duty.
  6. Eastern investigates any viable subrogation possibilities.
  7. The medical provider addresses the injured worker’s ability to work by reviewing your pre-injury job description and proposed modified duty job description.
  8. You should then utilize the ecovery modified duty task lists and the restrictions provided by the treating physician to develop a modified duty job offer.
  9. The injured worker returns to the workplace, performing modified duty within the physician’s restrictions.
  10. The injured worker continues to recover, receiving the physical, financial and psychological benefits of returning to modified duty. Additional medical treatment continues, as appropriate, and the treating physician periodically re-evaluates the injured worker’s work capabilities.
  11. Your designated Risk Management Consultant reviews the accident information and will make recommendations to prevent future injuries.
  12. The injured worker is either eventually released to his/her pre-injury job without restrictions, or is given permanent restrictions. The outcome is influenced by a variety of factors, including jurisdiction, job availability, the individual details of the claim, and other considerations.
  13. Any additional benefits due are paid and the claim is brought to resolution.

ecovery’s Return to Wellness philosophy is linked to every step of a claim! Modified duty options should be consistently re-evaluated and monitored to achieve the best possible outcome for all parties.

Eastern Alliance Insurance Group Review – Ecovery: Return to Wellness

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Fresh Outlooks for Return to Work Programs

What is ecovery?

ecovery is Eastern’s innovative, holistic program to help return injured workers to wellness and productivity by using work as a therapeutic tool.

How does ecovery help me?

Whether you are an employer, injured worker, medical provider, or producer, ecovery provides you with the resources you need to:

  • Promote faster recovery
  • Reduce your insurance costs
  • Increase productivity
  • Improve retention
  • Implement a Best Practice for employers
  • Promote a culture of commitment to employees’ wellbeing

ecovery focuses on helping employers and injured workers return to wellness after a work-related injury. Unlike basic “Return-to-Work” programs, ecovery addresses the economical, physical, psychological and financial benefits of returning injured employees to productivity after an injury. Our holistic approach focuses on the big picture, not just dollars and cents.

BRICON ASSOCIATES PTE LTD – International Health Insurance

Whether you’re at home or living or working abroad, the last thing you want to worry about is your health. You need the peace of mind that comes from knowing that your medical needs are protected and you have access to the appropriate treatment available, whenever and wherever you need it. Naturally, you want a comprehensive international health insurance plan, giving you and your family instant access to an expert team of people who understand your situation and treat you with respect and compassion every time you contact them. With this international health policy, this is made possible.

We understand that everybody has a different budget and requirements. That is why our International healthcare insurance plans has three levels of cover, as well as options for extra international assistance and a choice of deductibles.

Prime level – This level gives you all the health coverage you need for both in-patient and out-patient care. Gold also covers family doctor treatment and any prescription you may need, as well as accident-related dental treatment. Maternity cover (after 10 months of continuous membership), home nursing and a range of four preventive health checks are also included in this comprehensive plan.

Middle level -This is designated to cover you and your family for any specialist medical treatment or diagnosis. You will be covered for in-patient hospital stays as well as out-patient consultations, treatment such as physiotherapy and a range of preventive health checks. Drugs, dressing and GP (family doctor) consultations are not covered. Maternity cover is available after 10 months of continuous membership.

Essential Plan – This level concentrates on covering you for in-patient hospital stays. You have the security that you will be covered for treatment you may receive as an in-patient or day-care patient.

Car Tips – Dishonesty and Car Insurance Policies

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If drivers have one thing in common, it is that we all want low car insurance rates. Taking advantage of the discounts car insurance companies offer and maintaining a good driving record could go a long way towards saving on car insurance.

While these are good, honest ways to lower your rates, some customers choose to hide information or lie on their car insurance applications in an attempt to get cheap car insurance.

It may be tempting stretch the truth with your car insurance provider, but it can lead to negative consequences.

How Car Insurance Rates Are Determined

It is important to understand how car insurance rates are determined in order to know how and why people would lie on their applications to get lower rates.

Your car insurance is typically determined using several rating factors that include the following:

  • Your driving record and the driving records of each additional driver you wish to add to the policy.
  • Insurance claims history.
  • Credit history.
  • Your car’s year, make, and model.
  • Primary parking location of the car.
  • Average miles driven per day.
  • Your age and gender.
  • Your marital status.

The above rating factors are examples of the most common car insurance rating factors. Some states restrict insurance companies from using certain factors to determine car insurance rates. These restrictions generally apply to credit history and gender.

Common Lies Told by Applicants

When applying for car insurance, a driver might not tell the truth regarding some of the above rating factors. When an applicant deliberately lies on his application to save money, this is considered “soft fraud.”

Car insurance agents see certain misrepresentations more often than others. Often, applicants intentionally (or unintentionally – e.g., because they forgot) give false information regarding the following:

  • The number of traffic violations or accidents on the driver’s record.

o Having tickets, at-fault accidents, or other violations can increase your rates. Some applicants may lower the number of violations they’ve had in order to try to obtain a better quote.

o NOTE: Background and driving record inquiries can easily check this information.

  • Where the driver parks.

o Parking your car in a garage rather than out on the street can save you money on car insurance

o Some applicants will lie about keeping their car in the garage, even if they don’t own a garage.

  • Miles driven.

o Driving less means you face fewer risks, which ultimately means cheaper car insurance rates.

o Applicants will often lie by giving a number significantly lower than their actual average miles driven per day.

Remember, with the Internet, checking accuracy on the facts you provide is relatively simple. Always assume your information will get verified and give accurate information.

If you can’t remember a piece of information, don’t make up facts. Try to gather all the necessary information before getting a quote.

Effects on Your Policy

Most states have laws regarding when an insurance company can or cannot cancel your policy. Lying on an application is typically considered grounds for cancellation of your policy, but typically only if the information is material, meaning the information can affect the decision about whether to insure you.

Keep in mind that most states require you to have car insurance if you are driving your car on public roads. A cancellation of your policy would cause a lapse of car insurance coverage and you could be in violation of law if you operate your car while it is uninsured.

Dishonesty and Car Insurance Claims

As stated earlier, it isn’t always easy for car insurance companies to know if you are being truthful on your application. They cannot check every detail, such as where you park your car overnight. However, this can change if you need to make a claim on your insurance.

If, for example, you have comprehensive car insurance and you need to make a claim because your car was damaged in a hailstorm, you may find that your insurance company will investigate this claim.

If they find that you park your car out on the street when you stated in your application that you park it in a garage, they can deny that claim. You will responsible for paying all the repair costs.

If your car insurance company finds out you gave false information in your application, and they do not cancel your policy, you might experience a hefty rate increase.

Honesty Really Is the Best Policy

Lying to get a better rate can be tempting, but it does come with consequences you don’t want to face. Car insurance companies also pass any costs they face due to lies on to other customers. So in an attempt to get discounted rates, you actually contribute to the increased rates for everyone.

Taking advantage of car insurance discounts and driving safely is a much better way of saving on your policy.

 

Car Tips – How to Handle Staged Car Accidents

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To the average person, a car accident is one of the least desirable situations in which they could find themselves. An auto accident can be dangerous, traumatic, and expensive.

Unfortunately, some people do cause accidents on purpose. In fact, staged car accidents are becoming more common in the United States. Perpetrators of fraudulent accidents intend to make money by submitting bogus claims.

Types of Accident Scams

Staged car accidents are typically carefully planned and practiced. Described below are some common schemes.

The T-Bone Accident

In this scenario, a scam artist will wait for your car to proceed through an intersection and then jam the gas pedal and T-bone your vehicle. When the police arrive, phony witnesses, also known as “shady helpers,” will then claim you were the one who ran the stop sign or traffic signal.

The Wave

In this scam, the other driver will notice your attempt to switch lanes and subsequently wave you ahead. As you attempt to maneuver into the lane, he will accelerate, causing a collision with your car. When the police arrive, he will deny ever providing a courtesy wave, placing you at fault.

Dual Turn Sideswipe

A driver in the outer lane of the dual turn rams into you if you go even the slightest bit out of the inner lane as the two of you are making your turns. They may also drive a bit into your lane and swipe your car and then blame you.

“Witnesses” working with the con artist may corroborate his story.

Brake Slam

This simple scam involves the driver in front of you slamming on their brakes for no reason so that you cannot avoid rear-ending her vehicle.

Swoop and Stop

In this scenario, a car will suddenly pull in front of yours and stop. Another vehicle will simultaneously pull up alongside your car, preventing you from swerving to avoid an accident.

Phony Injuries

In any fraudulent accident, you may find yourself on the hook for injuries you didn’t cause. The con artists and their passengers may collaborate with a shady physician or chiropractor and file personal injury claims for phony injuries.

Some may even visit legitimate doctors and claim whiplash or other “soft tissue injuries,” which are difficult to detect.

Towing Scams

Once you’ve been in an accident, you may need a tow. Don’t let your guard down at this point, even though the accident is over. You are still susceptible to towing scams.

Be especially careful of tow trucks that appear before you have a chance to call for assistance.

Someone who appears on the scene and offers to help before you ask for help may be attempting to scam you by offering a tow at very inflated rates.

To learn more, visit our page on preventing car insurance fraud.

 

Negative Consequences of Scams

Car insurance scams can have consequences ranging from inconvenient to devastating. They can have the following effects.

  • Expense. You may be stuck paying for damages you didn’t cause.
  • Inconvenience. Even if you are unhurt and your insurance company ultimately pays for the damage, the process can be long as you get your car fixed and file the claim and police report. If you add a lawsuit to the mix, you’re looking at even more time until resolution.
  • Higher auto insurance premiums. Car insurance companies pay more when fraud occurs, and those costs are balanced out by increased premiums for everyone.
  • Trauma. Getting in your car after being a victim of a staged car accident can be scary because you may feel that you cannot avoid an accident no matter how careful you are.
  • Injury and death. Scammers don’t necessarily intend to hurt or kill anyone, but staged car accidents can go terribly wrong.

How to Avoid Accident Scams

The best ways to avoid accident scams are to drive carefully and be prepared. Keep a camera, pen, and paper in the car so that you can take photos and notes at the scene.

Also, be aware that some groups are at higher risk for being victims. Risk factors include the following:

  • Luxury vehicles and new cars – They may have higher insurance limits.
  • Work vehicles and big rigs – Car insurance scams on these vehicles may be more lucrative.
  • Women and older adults – Con artists may find these drivers easier to intimidate.

Handling a Fraudulent Accident

Staged car accident scam artists are vulnerable to facts. The more information you provide, the more equipped you are to fight an insurance scam.

Snap photos from every angle of the involved vehicles, with special focus on the damage. Also, capture on camera the license plate, as well as photos of the driver all the passengers in the other vehicle.

Take copious notes, and record as much as you can of the following:

  • Driver license number.
  • Vehicle registration information.
  • Car insurance information.
  • Name, address, and phone number.
  • The general height and weight (as well as the ethnicity) of the other car’s driver and passengers.

Also, call the police if you suspect that you were in a staged accident.

Don’t ever settle on site with cash; always report the accident to your car insurance company, and let them know if you suspect a scam.