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PubMed1995

Disability insurance overview.

In summary, I think the industry is doing the right things to return to profitability. Rates are increasing, underwriting and products are tightening, claim administration is becoming more proactive, and reserves are being strengthened. I think this will lead to future profitability, and future profitability will attract some new companies into the marketplace. The real long-term question is, once profitability has returned, will the industry shoot itself in the foot again in its efforts to do competitive battle?

Actuarial Analysis↗
PubMed2004

Social Security disability insurance benefits-eligibility. Barnhart, Commissioner of Social Security v. Walton.

SSA's interpretation of the Social Security Act and its regulation requiring that eligibility for benefits requires that an applicant be both impaired and unable to engage in substantial gainful activity (work) for at least 12 months was permitted by the act and the regulation was lawful. SSA was entitled to the benefit of hindsight, and even though an individual might have been awarded benefits under the act if the decision were made before the end of 12 months because the impairment and inability to work could be expected to last at least 12 months, it could deny benefits when it makes its decision after 12 months from the onset of the impairment and knows the applicant was able to work after 11 months.

Eligibility Determination↗
PubMed2004

[Medical certificate in sickness and disability insurance area].

Physicians have to complete medical certificates required by the sickness and incapacity insurance in Belgium. Certificate for incapacity for work allows the worker to take a rest needed by his health state. It is a part of the medical treatment. Incapacity for work is defined differently in the two main social legislations in our country: the legal frame concerning employed workers and the other one concerning free workers. In both legislations however, it is important that practitioners give the useful information to the advisor doctor of the insurance sickness fund. Making so, he helps his patient with coping with the controls imposed by the law. Using official forms is not compulsory but helps the physician to complete correctly an incapacity for work certificate. In health care area, certificates are needed to obtain reimbursement of treatments. The same concern will guide the practitioner when he completes these certificates.

Belgium↗
PubMed2004

Disability insurance.

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American Dental Association↗