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How is the Committee going to "vote" to see if 2/3 of them want to hold an "emergency meeting"? In Utah gastritis otc cheap bentyl 20 mg on line, if there is a communication between a majority of the members of a body gastritis diet menu discount bentyl online mastercard, it is deemed to be a "meeting gastritis symptoms diarrhea bentyl 20mg on-line," and the open meetings act applies gastritis diet укрзалізниця discount bentyl online amex. The Utah act also says a body may not be deliberately broken up into small groups in order to avoid application of the act. In Article 3, Section 4, it seems to me there would likely need to be some discussion of a substantive nature in order for 2/3 of the members to agree an "emergency meeting" was needed. I realize that when most of us hear the word "mail," we still think of the mail a letter-carrier brings, versus "email. Section 1 says if there is a vacancy, the chair shall appoint the successor to fill the remainder of the term. Section 2 says if there is a vacancy in the chair, the vice chair serves as acting chair until the Commission elects a new chair. I would add "with" between "but" and "no less" in the middle of the sixth line from the bottom of that Section. It seems rather ironic the Commission was created to try to help speed products to market and cut down barriers to offering products in the states, much of which is in response to the demands of industry for a quicker turn-around in this age of instantaneous communications and the ability to file - and in many cases the obligation to file - requests for approval of products in an electronic format, and yet the Commission is going to demand that if someone wants notice, that person must submit the request "in writing. However, this section says the internal accounts (just what does that term mean, anyway? It also contains a proposed list of rules and operating procedures for the Compact Commission. Many products sold by life insurers have evolved to become primarily investment products. Consequently, life insurers increasingly face direct competition from products offered by depository institutions and securities firms. Because these competitors are able to sell one product nationally, often without any prior regulatory review, they are able to bring new products to market more quickly and without the added expense of meeting different requirements in different states. State insurance regulators have worked diligently over the past two years to identify the issues in this area and come up with possible solutions to reflect the new market realities. Regulators now believe there is a way to develop a more efficient review process for life insurance and annuity products-one that will help insurers better compete in the marketplace while maintaining a high level of protection for insurance consumers. Regulators have concluded that the best way to accomplish this is through the creation of an interstate compact. The working group drafted a proposed interstate compact will have the flexibility to include life insurance, annuities, disability income and possibly long-term care products. The purpose for the development of this prototype containing possible national standards and filing procedures is to allow those interested in the compact to evaluate whether it will be able to develop and agree to national product standards that are acceptable to all constituencies. For the interstate compact to be viable, all parties must reach accord on a set of uniform national standards that provide an appropriate level of consumer safeguards. Individual Term Life Policy Standards Individual Single Premium Term Life Policy Standards Individual Joint Last to Die Survivorship Term Life Policy Standards Individual Single Premium Joint Last to Die Survivorship Term Life Policy Standards Individual Whole Life Policy Standards Individual Single Premium Whole Life Policy Standards Individual Joint Last to Die Survivorship Whole Life Policy Standards Individual Single Premium Joint Last to Die Survivorship Whole Life Policy Standards Individual Endowment Policy Standards Individual Single Premium Endowment Policy Standards Individual Joint Last to Die Survivorship Endowment Policy Standards Individual Single Premium Joint Last to Die Survivorship Endowment Policy Standards Individual Current Assumption Life Insurance Policy Standards Individual Flexible Premium Adjustable Life Policy Standards Individual Joint Last to Die Survivorship Flexible Premium Adjustable Life Policy Standards Individual Flexible Premium Variable Adjustable Life Policy Standards Individual Modified Single Premium Variable Life Policy Standards Individual Joint Last to Die Survivorship Flexible Premium Variable Adjustable Life Policy Standards Individual Modified Single Premium Adjustable Life Policy Standards Annuity Standards 1. Individual Flexible Premium Deferred Variable Annuity Contract Standards (with Separate and General Accounts Individual Fixed Premium Deferred Variable Annuity Contract Standards (with Separate and General Accounts) Individual Single Premium Deferred Variable Annuity Contract Standards (with Separate and General Accounts) Individual Modified Single Premium Deferred Variable Annuity Contract Standards (with Separate and General Accounts) Individual Limited Payment Period Flexible Premium Deferred Variable Annuity Contract Standards (with Separate and General Accounts) Individual Flexible Premium Deferred Variable Annuity with Separate Accounts only Contract Standards Individual Fixed Premium Deferred Variable Annuity with Separate Accounts only Contract Standards Individual Single Premium Deferred Variable Annuity with Separate Accounts only Contract Standards Individual Modified Single Premium Deferred Variable Annuity with Separate Accounts only Contract Standards Individual Limited Payment Period Flexible Premium Deferred Variable Annuity with Separate Accounts only Contract Standards Individual Flexible Premium Deferred Non-Variable Annuity Contract Standards Individual Fixed Premium Deferred Non-Variable Annuity Contract Standards Individual Single Premium Deferred Non-Variable Annuity Contract Standards Individual Modified Single Premium Deferred Non-Variable Annuity Contract Standards Individual Limited Payment Period Flexible Premium Deferred Non-Variable Annuity Contract Standards Individual Single Premium Immediate Variable Annuity Contract Standards (with Separate Accounts Only) Individual Single Premium Immediate Variable Annuity Contract Standards (with Separate and General Accounts) Individual Single Premium Immediate Non-variable Annuity Contract Standards Applications, Riders, Supplemental Forms 1. Individual Flexible Premium Deferred Variable and Non-Variable Annuity Contract Waiver of Surrender Charge Standards Filed as a Provision in the Contract or as a Separate Rider Long Term Care Insurance Standards 1. Prepared for the State of:-The term "Interstate Compact" shall be inserted in item 1 in place of the state. Department Use Only-Leave item 2 blank as it is reserved for use by the interstate compact staff. Filer Name and Address-Contact persons for submission, company `s name (if other than the insurer), and address for correspondence. Company Tracking Number-If applicable, list any internal filing number or identifier. Market-Identify targeted group or indicate that the policy form is designed for the individual market. Be certain that the product filed is one that has been authorized for use in the interstate compact. If submitting a report, indicate which report and submit the required documents according to interstate compact requirements. Filing Submission Date-Enter the date the filing is being submitted by the company. Filing Fee-Enter the amount of the interstate compact filing fee and if submitted by check, enter the date and check number.

David Snyder (American Insurance Association) suggested adding a "knowingly" standard to Section 4(A) and (B) gastritis diet авториа buy line bentyl. Parks noted a couple of typos to the model in Section 1 and it should read "This Act relates to criminal penalties for the unlawful transaction of insurance or health coverage" gastritis diabetes diet purchase bentyl with amex, and Section 2(B) should refer to paragraph A not one gastritis pronounce cheap 20mg bentyl with mastercard. Parks proposed changes to Section 3(A) diet of gastritis patient discount 20mg bentyl amex, removing "related to a person or risk located", Section 4(B) adding a "knowingly" or "should have known" standard along with removing the term "insurance fraud" and in Section 7 removing "jointly and severally". Parks suggested that if the intent standard is added to the model a safe harbor provision is not needed. The Working Group will propose a final draft taking into account comments received and open the final draft for comment within the next 30 days with the goal of adopting the model at the 2006 Fall National Meeting. The purpose of these Guidelines for International Antifraud Enforcement Cooperation (the "Guidelines") provide the framework for the exchange of information and to initiate recommendations to federal, state, and international law enforcement agencies on addressing insurance fraud practices occurring across international borders. They have also provided unprecedented opportunities for unauthorized businesses and individuals engaged in fraudulent insurance activity to harm consumers from different jurisdictions and to evade enforcement authorities. Name of Group Responsible for Drafting the Model and States Participating Federal and International Enforcement Coordination Working Group of the Antifraud (D) Task Force 3. Project Authorized by What Charge and Date First Given to the Group the Federal and International Enforcement Coordination Working Group of the Antifraud (D) Task Force was given the charge to coordinate with federal, state, and international law enforcement officials in addressing antifraud issues relating to the insurance industry and to develop material that will assist state regulators and law enforcement agencies in their efforts to combat insurance fraud. Include any parties outside the members that participated Different members and chairs of the Federal and International Enforcement Coordination Working Group and Antifraud (D) Task force drafted the Guidelines. Beginning with the June 2004 National Meeting the working group opened the topic of developing the Guidelines. September 2004 National Meeting the first draft of the Guidelines were distributed and opened for discussion by the working group. Guidelines for International Antifraud Enforcement Cooperation Introduction A global insurance market poses new challenges to the collective ability of antifraud agencies to protect consumers and the growth of the insurance industry. Most existing laws and enforcement systems designed to address insurance fraud against consumers were developed at a time when such practices were predominantly domestic, and such laws and systems are therefore not always adequate to address international insurance fraud that harms consumers. Over the years, insurance fraud has become more concentrated on an international level. Consequently, an efficient structure of communication and cooperation is needed to fight insurance fraud and apprehend perpetrators who use the lack of formalized communication between insurance regulatory authorities to their advantage. The Federal and International Enforcement Coordination Working Group of the Antifraud (D) Task Force was given the charge to coordinate with federal, state, and international law enforcement officials in addressing antifraud issues relating to the insurance industry and to develop material that will assist state regulators and law enforcement agencies in their efforts to combat insurance fraud. They also undermine the integrity of both domestic and global insurance markets to the detriment of all consumers, confidence in those markets. The development of the Internet and aggressive international sales and marketing practices has brought significant benefits to consumers in terms of price and choice of insurance products. Just one insurance fraud scam can quickly target large numbers of consumers and cause substantial harm in multiple international jurisdictions. Criminal enterprises can take advantage of limited international communication between insurance regulatory authorities and law enforcement agencies by establishing operations in one or more countries. This makes it difficult for antifraud agencies in a single country to gather all the necessary information to detect, investigate, and enforce their authority beyond their borders. To address these challenges, there exists a need for a common structure to develop closer, faster, and more efficient cooperation among insurance regulatory authorities and law enforcement agencies in different countries. Although there exists certain international mechanisms for judicial and general law enforcement cooperation, these avenues have not always been utilized or available to insurance regulatory authorities. Thus, there is a significant need to improve cooperation and communication among these authorities. Countries may have diverse legal and insurance regulatory systems and identical measures to obtain objectives that cannot likely be achieved. Nevertheless, an insurance regulatory authority can and should introduce and maintain an effective domestic framework of antifraud and consumer protection laws, regulations and initiatives designed to limit the incidence of insurance fraud. In general, insurance regulatory authorities should ensure that the following are implemented under whatever legal and regulatory systems are in place: 1. Measures to adequately deter insurance companies, producers, and consumers from engaging in fraudulent activity, such as specifically criminalizing insurance fraud activity.

For example gastritis diet jokes purchase cheapest bentyl, virtually all of nearly 250 graduate schools of social work have courses on working with families for their clinical students and taking diversity and difference into account in social work practice gastritis burping buy bentyl 20 mg line. These courses focus on family therapy acute gastritis symptoms treatment order bentyl cheap, which is typically used for families with older children who can participate in family communication gastritis symptoms upper right quadrant pain buy bentyl uk. Many also have courses in "school social work," which emphasize working with families in relation to special education services (Council on Social Work Education, 2012). Prospective teachers are required to take courses focused on diversity, multiculturalism, and families, but the requirement varies across context. In health care, challenges also have been identified with respect to communicating with children and families in the pediatric setting, such as about psychosocial and practical issues in families (Levetown, 2008). There are indications that effective intervention approaches often are not used to the extent that they could be. For example, a recent Institute of Medicine report notes that evidencebased interventions frequently are not available as part of routine care for individuals with substance use and mental health disorders (Institute of Medicine, 2015). The story is similar with regard to parent training interventions in child welfare and other service settings (Barth et al. It is important for practitioners who work with families to be aware of evidence-based programs and services that support families and how they can refer families to and implement those programs and services. With few exceptions, health and human service professionals also are not trained in the common components that make up most evidence-based practices (Barth et al. One result of this neglect of appropriate training is that few child welfare agencies refer parents to parenting programs delivered by professionals trained in evidence-based practices (Barth et al. Indeed, mental health providers typically offer a low-intensity dose of treatments with inconsistent application of evidence-based components when working with children and their parents (Garland et al. Absent an expanded workforce prepared to deliver the evidence-based practices described in this report, these programs cannot be brought to scale. Studies of the effectiveness of the use of modest monetary incentives to improve participation and retention in parenting programs have had mixed findings. Some indicate that monetary incentives may enhance initial interest in and recruitment into programs for some parents, but do not necessarily lead to improvements in attendance. Although available studies show that motivational techniques used in combination with other supportive strategies may improve attendance and retention in programs and services for some individuals, there is a lack of data focusing specifically on these outcomes in parents and identifying those populations of parents for which these techniques are most effective. Having a workforce that is trained in how to engage diverse families in activities and decision making pertaining to their children and how to refer parents to and implement evidence-informed parenting programs and services is essential to uptake. However, the committee found that professionals who work with young children and their families often lack appropriate training in these areas. Department of Health and Human Services; Office of Planning, Research and Evaluation. The relationship of adverse childhood experiences to a history of premature death of family members. The impact of complex trauma and depression on parenting: An exploration of mediating risk and protective factors. Early withdrawal from mental health treatment: Implications for psychotherapy practice. Cultural adaptation and implementation of evidence-based parent-training: A systematic review and critique of guiding evidence. The Chicago Parent Program: Comparing 1-year outcomes for African American and Latino parents of young children. Digital delivery methods of parenting training interventions: A systematic review. Multisystemic therapy and the ethnic minority client: Culturally responsive and clinically effective. Promising Teen Fatherhood Programs: Initial Evidence Lessons from Evidence-Based Research. Is a structured, manualized, evidence-based treatment protocol culturally competent and equivalently effective among American Indian parents in child welfare? Longterm outcomes for the child steps randomized effectiveness trial: A comparison of modular and standard treatment designs with usual care.

Management responsibility for model based valuations includes ensuring: В© 2006 National Association of Insurance Commissioners 4 i diet for gastritis and diverticulitis purchase bentyl 20 mg without a prescription. The burden is on the insurer to satisfy the commissioner that a model or procedure has good predictive power and that regulatory valuation requirements will not be distorted as a result of its use gastritis symptoms chronic best order bentyl. Use of a model obtained from a third-party vendor that claims proprietary technology is not a justification for exemption from documentation gastritis vitamin d deficiency purchase bentyl canada, validation or other requirements for model based valuations gastritis symptoms vomiting purchase generic bentyl. Any outsourcing or third party agreements should contain provisions necessary for an insurer to meet the requirements of this regulation. Management must provide to the commissioner on request written documentation of the model and valuation process which addresses59 i. A Certifying Actuary Statement must be signed and submitted by an actuary who: [Need to consider qualifications] C. Supporting analysis and report for the Certifying Actuary Statement: [Need to put in requirements] E. A core objective must be for the insurer to provide benefits pursuant to its contracts. Policies must include risk tolerances for each material and quantifiable risk which i. Rating downgrades and liquidity risk Lapse and withdrawal risks Mortality and morbidity risks Excessive exercise of guaranteed insurance options C. Where applicable, provide the level of management subject to a risk taking limitations for various levels of management. Policies are required to include stress testing63and crisis planning requirements. Once an insurer has identified the areas of stress, it should ensure that policies and procedures are sufficiently defined to ensurefor the effective management of those stresses. Insurers should have contingency plans on hand that describe the action to be taken under a variety of extreme scenarios. This is particular true for groups subject to matrix management where the business lines cut across legal entity boundaries. The solvency regime should thus require that insurers have in place adequate governance, including risk management processes and internal control mechanisms, with sound administrative, accounting and reporting procedures. Sound governance and management include periodical review of the strategies and policies, and decision making, by the appropriate governing body of the insurer with respect to the risks that the insurer assumes. Risk monitoring systems must be well integrated into the organisation, and measures must be taken to ensure that risks can be measured, assessed, monitored, reported and controlled in a consistent manner. However to avoid confusion with "risk management strategies" which are detailed programs to implement policies, strategic objectives are just called objectives. Page 29 of the Guide includes as control functions identifying and monitoring, but these are treated separately here. Risk controls (or controlling risks) are distinct from risk management system controls. Since paragraph 25 deals with the treatment of the deferred premium asset, I would like to suggest that the following modification to paragraph 25 be substituted for the proposed addition of paragraph 36. Prior to the last two sentences of paragraph 25 add: "This reduction to its deferred and uncollected premiums reported as an asset must be made even if the frequency of premium payment to the reinsurer is less than the frequency of premium collection. Our membership comprises 377 legal reserve life insurance companies operating in the United States, three of which are domiciled in Canada. That has given us insufficient notice and opportunity to comment before the May 19 deadline for submissions. We have circulated the proposed amendments to our membership, asking for their views. The proposals represent a significant and substantive change from current accounting practice and deserve careful study. The current proposal is a modification of one advanced earlier this year by California, a proposal Northwestern Mutual supported. The California proposal identified a precise remedy to a situation that allowed a company to overstate surplus when a particular set of circumstances was encountered in a reinsurance transaction.

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Each of the investment types for most of the columns have their own unique considerations gastritis diet бигсинема purchase bentyl 20 mg line, and the instructions provide for these differences gastritis images order 20 mg bentyl free shipping. Burke made a motion to adopt the recommendation that no changes be made as a result of this issue gastritis diet potatoes buy cheap bentyl 20 mg on line. Issue #33: On Schedule D superficial gastritis definition buy bentyl with visa, Part 4, Column 20, Change "Security" to "Transaction" Mr. Daveline stated that the instructions currently read, "Include: Investment income directly related to the securities reported in this schedule. McGee stated he disagrees with the recommendation, and that the current instruction is accurate because the proportionate amount of the investment income on the securities disposed of are the only items that should be reported on this schedule. Dennis Lebar (Sungard) stated he made the initial suggestion, and that a better way to clarify the instruction is to add language to read, "Include: the proportionate share of investment income directly related to the securities reported in this schedule. Connie Woodroof (Fiserv Insurance Solutions) indicated they also get calls, and that the new proportionate wording would be beneficial. It was also discussed on the July 20, 2005, Subgroup call, where it was determined the designation column was redundant and not necessary because the current credit risk information is available. John Bauer (Prudential) stated that for the same reasons indicated on the July 20, 2005, conference call, he believed it was unnecessary to add a designation column to the annual Schedule D, Parts 3 and 4. Johnson stated he agreed the Subgroup should not recommend this column be added to these schedules. Interested parties and the Subgroup agreed to defer this issue until the next conference call, at which time the Subgroup would review the Form B drafted by Mr. Referral of Issues #27 and #30 to Statutory Accounting Principles Working Group Mr. He stated the agenda would include: 1) review the updated status sheet; 2) receive formal recommendations from the Valuation of Securities Task Force; and 3) address Issues #36 - #40. Having no further business, the Investment Schedules Subgroup of the Blanks Working Group of the Accounting Practices and Procedures (E) Task Force adjourned. Saenz provided opening comments on the Blanks proposal that had been drafted by the Property Casualty Lines of Business Subgroup, which adds a new statutory line of business for warranty. Saenz added that if any interested parties or interested regulators wanted the issue to be considered further, they could do so once the proposal is exposed by the Blanks Working Group. Glover stated it was her understanding that many states exclude those products from their purview and how the conclusion is, therefore, consistent with that belief. Saenz if he saw any distinction between service contracts and the manufacturer warranty products, or if they could be lumped together. Glover stated she believed the definition would need to be clear to make this distinction. Trevino suggested that perhaps language could be added that limits the definition to policies where provisions that either mirror or are similar to a warranty policies, but excludes items that are merely servicing in nature. Shirley Kerns (The Service Contract Industry Council) stated her members offer and administer service contracts around the country. Kerns asked for clarification regarding whether the original proposal was designed to capture information on the annual statement for premiums written and losses incurred by insurers. Kerns stated it was her understanding that the intent was to capture the premiums and losses that are associated with contractual liabilities policies or the reimbursement policies that insure the service contract programs and not the service contracts themselves. Trevino explained that the original intent of the proposal was to respond to a charge provided to the Subgroup to review the existing write-in lines of business used by companies in their filings and to determine if changes to the instructions are needed to clarify where certain items should be reported. Trevino noted that a significant number and amount of the items included in the write-ins were related to warranty and that there were no other deep reasons why the proposal was drafted. Trevino responded the Subgroup was not attempting to create any new coverage, but was only trying to provide guidance where companies should report these products and, thus, create more consistent reporting. Trevino responded that the answer to that question depends on the definition of "warranty. Kerns stated she believed it was also her understanding that the original intent of the proposal was to distinguish between contractual liabilities coverage provided to a service contract provider, compared to another type of party. Kerns stated she believed the main distinction between a service contract and a mechanical breakdown policy is that a mechanical breakdown policy is written by an insurance company, while a service contract is written by a service contract provider. Bill Tank (Bowne Insurance) suggested that the definition begin with "coverage that insures against" instead of "coverage that protects against.