Edward Hulse

Insurance Continuing Education - Managed Long Term Care

The field of Long Term Care, i.e. the providing of care (skilled, intermediate and custodial) for individuals who require such care, and furnished by Nursing Home, Community Care Retirement Centers, Adult Living Facilities, Home Health Care, and other suc... Read >

Insurance Continuing Education - Workers Compensation

Obviously, the first step in this plan would be to verify that the employee receives first-aid and other immediate treatment for their illness or injury. Needless to say, the proper first-aid treatment often saves the life of the patient, and at the very... Read >

Insurance Continuing Education - Inpatient Hospital Review

Treatment review can be either Prospective, Concurrent, or Retrospectively, as explained earlier. Review can be at any or all of these points in treatment. Prospective Review. Pre-certification or pre-admission certification is probably the most reco... Read >

Insurance Continuing Education - Managed Care

In any type of health insurance, the determining factor regarding pricing, plan development, forecasting and eventually, controlling costs, is utilization, i.e. how much and how often the system is used. The more health insurance is “utilized", the more ... Read >

Insurance Continuing Education - Tips for Purchasing Car Insurance

The 3 areas that the typical auto premium dollar are allocated to would be: Bodily Injury Coverage, Colli­sion and Property Dam­age Coverage. We will discuss these 3 first. Bodily Injury Liability - This is the coverage which most protects against fi... Read >

Insurance Continuing Education - Personal Auto Coverage

Bob and Mary Gordon are both employed. Bob is a supervisor for a large automobile repair firm. Marie is a social worker for the State Welfare Department. Bob and Marie have two children. Karen, aged 20, is at­tending college 200 miles from home. Ken,... Read >

Insurance Continuing Education - Automobile Insurance & The Law

The Tort Liability System Based on Fault is the traditional method for compensat­ing injured automobile accident victims in the United States. As noted before, a “tort" is a legal wrong for which the law allows a remedy in the form of money damages. N... Read >

Insurance Continuing Education - Cancelling a Flood Insurance Policy

The cancellation or nullification of Flood Insurance Policy procedures can be found in detail at http://www.fema.gov/business/nfp/manual.shtm - and it contains some10 pages of detail. This discussion does not cover all of the intricacies and details co... Read >

Insurance Continuing Education - Flood Insurance Application

The APPLICATION for flood insurance is, understandably, a little more complicated than some of the other property and casualty policy applications as it covers a specific risk on property that must be identified although the range of buildings and propert... Read >

Insurance Continuing Education - Building Elevation Information

BUILDING ELEVATION INFORMATION (SURVEY REQUIRED) The responsibility of providing a number of elevations based on the building type selected is that of the surveyor, engineer, or architect. From these elevations gathered, the agent is required to deter... Read >

Insurance Continuing Education - Elevation Certificates

An Elevation Certificate (EC) is mandatory on Post-FIRM construction, but is optional on Pre-FIRM construction. It is required by the NFIP so that it can be certified by the NFIP as to the lowest floor of a building so that the policy can be properly rat... Read >

California Insurance Continuing Education - Health Benefits

Wording regarding the PPO Providers (when applicable) are the same as with individual Major Medical plans. As a rule, Provider-type plans are established the same for Group and Individual plans. Note the illustrated Schedule of Benefits on the first page... Read >

Insurance Continuing Education - Group Health Insurance Policies

The Group Policy is a document between the employer and the insurance company, mostly of an administrative nature. The individual employee’s coverages are provided in a Certificate of Coverage and details of coverage, benefits and provisions are provided... Read >

Insurance Continuing Education - Major Medical Contracts

The following text is typical of the language and provisions used on the first page of the Major Medical policy. Much of this information is required by state regulations and may vary by state. IMPORTANT NOTICE (NOTE: In most, if not all, jurisd... Read >

Insurance Continuing Education Online - Contracts

In the absence of fraud, all statements made by applicants or Insureds will be deemed to be representations and not warranties. No statement made for the purpose of affecting coverage will avoid coverage or reduce benefits unless contained in a written a... Read >