Extended Reporting Period Coverage (also known as tail coverage) is generally available for an additional premium upon the cancellation or non-renewal of a policy. If purchased, it covers claims resulting from medical incidents or occurrences that occurred on or after the policyholder’s retroactive date and before the policy termination date and that are first reported to NORCAL after the policy is terminated.

A tail insurance policy is an endorsement to the current policy that extends the reporting period of a claim after a claims-made policy has expired or has been canceled. Since most healthcare providers carry claims made insurance policies, tail insurance provides important protection against claims that could be made months or even years after care was provided to a patient. HU provides free tail coverage to retiring owner who have been a policyholder for at least five consecutive years.

Disability Insurance provides you with a monthly benefit. Many times this benefit for illness only starts 30 days after you have been diagnosed with a critical condition. Leaving you with no other resources except savings, retirement savings to help you deal with treatments that are not covered by Health Care Plans Private or Government Subsidy. One pays monthly the other a lump sum.

If you have been living in your property and will be converting it to rental, you need to consult your insurance agent to provide you with the appropriate coverage for a tenant occupied property. We require current proof of insurance, and we require that Mike Segal Properties be named as "additional insured" on your policy.

Collision coverage: this coverage pays for repair or replacement of your vehicle if it collides with another vehicle, flips over, or crashes into an object, as a result of accidents that you cause. Comprehensive coverage: this coverage pays for losses from incidents other than a collision, such as fire, falling objects, theft and vandalism. Increased third-party liability limit: the mandatory amount is $200,000 but you can increase the amount up to the limits the company provides.

Homeowners insurance is one of the most popular forms of personal lines insurance on the market today. The typical homeowners policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage to the insured. Almost anyone who owns or leases property has a need for this type of insurance. And many times, homeowners insurance is required by the lender as a part of the requirements in obtaining a mortgage.

Patients will need to speak with their insurance provider to determine if Tarceva is covered. Each provider will respond differently. However, Medicare supplemental drug plans do provide coverage for Tarceva for advanced non-small cell lung cancer.

Insurance is the responsibilty of each participant. In some instances, the National Governing Body (NGB's), which sanctions an event, may have secondary coverage. In the event of an emergency, injury or illness, medical aid will be contacted. Competition preparation, such as taping, is the responbility of the participant. Due to the heat in the summer months, dehydration and heat-related illnesses are common.

Most dental insurance companies break down dental services into three coverage types. Find out what these coverage types are and how they could affect your dental insurance plan.

If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy. You can get fee-for-service, HMO, or PPO protection. But you should compare your options and shop carefully because coverage and costs vary from company to company.

To request a change of the beneficiary designated on your Canadian Dentists’ Insurance Program life insurance coverage, you will need to complete a change of beneficiary form. You can obtain this form by mail or fax by contacting CDSPI’s Insurance Services Department. You can also download the change of beneficiary form from our website. Is Building Insurance available through the Canadian Dentists' Insurance Program? Yes.

There are a few ways of calculating how much coverage you would buy. For simplicity we will talk about just short-term debt and a mortgage. Combining these two figures provides you with an excellent amount of coverage to at least obtain the proper medical help you need to survive the illness on a whole worry free. However we do recommend you consider your assets and discuss this with your Living Benefits Specialist.

Buying collision insurance is a personal decision. You may want to consider the value of your car or the amount of loss you can personally assume. Our aim is to help you decide what coverages are best for you. Please contact your Liberty Mutual Sales Representative for more information.

All 4 of Blanco's Magic Tails, and the 1st issue of Blanco's Dragon Tails are now available in bookform!

Each year during Open Enrollment, you may elect to enroll in the First Commonwealth DMO dental plan, change from one dental plan to another, or add coverage for a spouse or dependent child to First Commonwealth coverage. You may also enroll in the Blue Cross dental plan. Similarly, you may add coverage for an eligible family member to the Blue Cross dental plan. Evidence of good dental condition is not required.