Easy Education Ideas on the Future

In the absence of fraud, all statements made by applicants or Insureds will be deemed to be representationsand not warranties.  No statement made for the purpose of affecting coverage will avoid coverage or reduce benefits unless contained in a written application signed by the Contract Holder and a copy of such documents has been furnished to the Contract Holder.

Eligibility for coverage under this Contract is determined by medical risk classifications applicable to the applicant and his or her dependents.  Among the factors we consider when making our underwriting decision are the medical information requested on the application, and the sex and age of the applicant and his or her dependents.

Material Misrepresentations, omissions, concealment of facts and incorrect statements made on an application or a medical statement by an applicant, Insured or a Contract Holder which is discovered within two years of the issue dateof the Contract may prevent payment of benefits under this Contract and may void this Contract for the individual making the misrepresentation, omission, concealment of facts or incorrect statement.  Fraudulent misstatementsin the application or medical statement discovered at any time,may result in voidance of this Contract or denial of any claims for the individual making or responsible for the fraudulent misstatement.

In the event of fraud or misrepresentation pertaining to, but not limited to, medical information, geographical area, or the sex and/or the age of applicant or his or her dependents made on an application or medical statement by an applicant, Contract Holder or Insured, the sole liabilityof YOUR INSURANCE COMPANY shall be the return of any unearned Premium, less benefit payments.  However, at our discretion, we may elect to cancel the Contract with forty-five (45) days prior written notice (Time may vary by state regulation &/or company practice) or continue this Contract provided that the Contract Holder makes payment to us for the full amount of the Premium which would have been in effect had the true facts been stated by the applicant, Contract Holder, or Insured.

 

C.A.

Bernadette was diagnosed with breast cancer in Oregon.  Her doctor in Oregon told her that she needed surgery as soon as possible.  However, since she was not employed and had no insurance, she decided to move back home to Indiana.

She found a job in Indianapolis, but it had no benefits.  Therefore she applied for an individual major medical policy.  She did not tell the agent about her cancer and the policy was issued on a standard basis with no riders.

60 days after the policy was issued she had a  “routine” mammogram” which “discovered”

(Continued from previous page) the cancer.  She told the radiologist at the clinic that she had had a mammogram about a year earlier, at a public health clinic.  She did not mention the finding, however.  She was immediately admitted to a hospital in Indianapolis and a mastectomy was performed.

During a routine claims review, the insurer sent an inquiry to the Public Health Service in Oregon, which duly reported the earlier findings.  Based upon these findings, the insurer canceled the policy based upon a material misrepresentation and refused to pay for any of the medical costs.

When it comes to professional therapy, continuing education is not only a good idea, but it is mandated in most states to remain licensed. Because most mental health professionals do not have the time to attend strict college classes to further their learning, there are many programs available that count as accredited ways in which a therapist can satisfy those requirements. If you are a licensed therapist looking for creative and convenient ways in which to meet your therapy continuing education requirements, read on for some of the best choices available.

The American Psychological Association is a good research resource for those looking to further their learning credits. They offer a number of ways in which the professional therapist can ear such credits, such as through their APA Online Academy. This service offers multimedia presentations in a series of online courses available at all hours so it is convenient to any schedule. These kinds of classes and presentations can be extremely useful, as they can be completed on an individual time frame and you can work at your own pace, going back as needed to review the material a second or third time. There is an exam at the end.

For other possibilities, those looking for therapy continuing education credits should avail themselves of other websites that offer similar courses. Some of these websites offer discussion boards, up to date articles, and podcasts of lectures from prominent individuals in the field of psychology and psychiatry. The discussion boards on these sites can act as a useful resource to find other ways to earn credits. Listening to current podcasts from advanced therapists can be a great way to stay on top of the latest concepts and methods in the field.

It should be noted that different states have different requirements when it comes to what percentage of credits can be made up of distance or independent learning. Most states will require at least a portion of the learning to be done in a classroom or workshop setting. Check your local state laws and licensing requirements to see where your state is at when it comes to these percentages.

Many states also have imposed specific requirements when it comes to the type of learning necessary to renew a license. For instance, California demands that a portion of therapy continuing education credits come from family and couples training, as this tends to make up a great deal of the average psychologist’s slate. Other states may have similar requirements pertaining to various aspects of psychology.

Choosing a career path is an important decision that one has to make. It should not be made in haste and should be given a proper thought. After weighing your entire options one should then look for the options available and what is the best way to achieve that goal. The approach should be very methodical and well planned. It is always better to go in for special courses related to the field you want to enter. Today there are so many options to choose from. There are many niche options that one can chose as a career. Take for example cosmetology.
Today it is a full fledged career and a good one at that. Off late it has sprung up enormously and provides a great opportunity as a career. Cosmetology is the study and application of beauty treatment and includes hairstyling, skin care, cosmetics, manicures, pedicures etc. In order to become a professional cosmetologist you need to do a course on cosmetology from a government recognized institute and obtain a certificate from there. Cosmetology Institute of America is an institute that imparts cosmetology continuing education online courses. We have developed a unique and specific continuing education course which has been designed by industry experts and is sure to make you a pro. Our practice tests covers all the areas of cosmetology and offers certificate course to beginners as well as advanced levels with tips on how to make a good business with it.
We offer training on how to build a good clientele, deal with them and offer the best of cosmetology services. Today the demand of good cosmetologist is pretty huge but the number of qualified cosmetologist are very few. Cosmetology Institute of America is expert in cosmetology continuing education online courses and has over the years produced excellent cosmetologists. We have a proven track record and a good student base. The cosmetology continuing education online course is ideal for one and all who wants to a make career in the beauty industry. This course is designed specially to teach you the ins and outs of the cosmetology industry. We give a lot of emphasis on the practical aspect and the amount of experience we have in the industry makes it easy to share real time experiences wit hour students. This course is approved for CE Credit in IL, TX, OH, GA, NC, FL, IA and NE. so if you are looking at the cosmetology continuing education online courses look no further and log on to www.cosmetologyinstituteofamerica.com for more information.