SlideShare a Scribd company logo
1 of 54
Insurance Roundtable of Baltimore
67th Annual F. Addison Fowler Seminar
PROPERTY AND CASUALTY
LEGISLATIVE/REGULATORY UPDATE

Brett S. Lininger, Principal
Semmes, Bowen & Semmes
October 11, 2013
PROPERTY and CASUALTY
• Legislative Activity
• Regulatory Activity

WORKERS’ COMPENSATION
• Legislative Activity
• Regulatory Activity

2014 STATE ELECTIONS
PROPERTY and CASUALTY
LEGISLATIVE ACTIVITY
HB 342 (Chapter 270)/SB 446 (Chapter 269)
Homeowner's or Renter's Insurance and Private Passenger
Motor Vehicle Insurance - Bundling Requirement – Prohibited
• Prohibits an insurer from denying, refusing to renew, or
cancelling coverage because individual fails to carry another
line with insurer or another insurer in the same insurance
holding company system
PROPERTY and CASUALTY
HB 392 (Chapter 111)
Motor Vehicle Liability Insurance - Personal Injury Protection
Coverage - Prohibition on Premium Increase
• Prohibits an insurer that issues a policy with PIP from
increasing the premium on the policy due to a PIP claim or
payment
PROPERTY and CASUALTY
HB 537 (Chapter 377)
Insurance Producers - Continuing Education - Online Courses
• Prohibits Insurance Commissioner from disapproving CE
course solely on the basis of methodology or technology
used to deliver instruction to individuals taking course
• Allows producer to obtain all or part of required CE credit
hours from correspondence or online courses
PROPERTY and CASUALTY
HB 585 (Chapter 505)
Procurement - Subcontractor Equal Access to Bonding Act of
2013
• Prohibits prime contractor from requiring sub-contractor to
provide a bid, performance, or payment bond on
procurement contract for services, supplies, or constructionrelated services with State, more stringent than current law
• Requires prime to accept bond by sub if it would be
accepted by State and provided by surety company
authorized to do business in State or Maryland Small
Business Development Financing Authority
PROPERTY and CASUALTY
HB 695 (Chapter 383)
Homeowner's Insurance - Anti-Concurrent Causation Clause Notice and Study
• Notification requirements
• Study of how anti-concurrent clauses have been applied in
other states and to determine with whom insureds
communicate for an explanation of a clause
PROPERTY and CASUALTY
Bulletin 13-18
Homeowners Insurance Anti-Concurrent Causation Clause –
Notice & Study
• Clarifies the applicability of the notice required by HB 695 is
to insurers offering homeowner’s insurance which includes
coverage for fire, extended coverage, vandalism and
malicious mischief, burglary, theft, or personal liability
•

•

Does not include an umbrella policy

Committees conducting study
PROPERTY and CASUALTY
HB 1089/SB 919
Motor Vehicle Laws - Rental Vehicles - Required Security
• Would have allowed coverage for owners of rental vehicles
to be secondary behind the renter's primary coverage
• Stems from Virginia holding that self-insured car rental
company was permitted to seek reimbursement from
renter's personal automobile insurer after company satisfied
damages caused by renter of vehicle
• Referred to interim study by Committees of jurisdiction
PROPERTY and CASUALTY
HB 1132 (Chapter 74) SB 749 (Chapter 73)
Maryland Automobile Insurance Fund - Operational Changes
•
•
•
•
•

Restructures MAIF Board
Removes the AG's office as legal counsel
Removes MAIF employees from State Personnel System
State auditors no longer responsible for auditing MAIF
Exempts MAIF from procurement laws relating to real estate
PROPERTY and CASUALTY
SB 930 (Chapter 334)
MAIF – Acceptance of Premium Payments on Installment
Basis and Premium Finance Agreements
• Authorizes MAIF to accept premiums on installment basis
• Requirements of MAIF installment plan
• For 12 month policy w/ less than $3k annual premium,
initial payment at least 25% of annual premium and offer
no more than 6 installment payments
• If more than $3k, initial payment at least 20% of annual
premium and no more than 8 installment payments
PROPERTY and CASUALTY
HB 1203 (Chapter 406)
Homeowner's or Renter's Insurance - Policy Exclusions for
Specific Breeds or Mixed Breeds of Dogs – Notices
• Requires insurers to disclose when policy excludes
coverage for certain breeds of dogs and which breeds or
mixes
PROPERTY and CASUALTY
SB 736 (Chapter 311)
Insurance - Fraudulent Insurance Acts - Compensation for
Deductible
• Prohibits contractors from directly or indirectly compensating
(or offering or promising to do so) an insured, with intent to
defraud an insurer, for any part of an insurance deductible
under insured's property or casualty insurance policy if
payment for services will be made from proceeds of policy
• Violation is fraudulent insurance act, subject to criminal
penalties
PROPERTY and CASUALTY
HB 1205 (Chapter 407)
Study of Captive Insurers
• Requires MIA to study methods to establish and properly
regulate captive in Maryland
PROPERTY and CASUALTY
REGULATORY ACTIVITY
Bulletin 13-25
Rate Filings – Content of Filings and Right of Public
Inspection
• Reminder that all P&C rate filings and any supporting
information filed is open to public inspection
• “any supporting information” includes underwriting
standards except when confidentiality is requested & they
serve to determine eligibility with no impact on premium
PROPERTY and CASUALTY
Bulletin 13-09
Underwriting Period – Discovery of a Material Risk Factor
• SB 531 (Chapter 253)
•

Allowed insurer to recalculate premium during underwriting
period based on finding material risk w/o cancelling

• Draft Regulations called for insurer to identify the newly
discovered material risk(s) and specify how each risk
impacted premium
• Industry would prefer to disclose material risk(s) but show
before and after comparison
PROPERTY and CASUALTY
Percentage Deductible
MIA Regulations held up by AELR Committee
• MIA held meeting with industry to address applicability
concerns
• No substantive changes made to regulations
PROPERTY and CASUALTY
MAIF Regulations
Binding Rules
• An attempt to address how to handle a producer’s loss of
license
• Sought to make MAIF policies the sole and exclusive
property of MAIF
• Would have allowed MAIF to terminate producer’s right to
service MAIF if producer’s right to bind coverage was
terminated
• Regulations pulled due to agent community response and
willingness to discuss alternative solutions
WORKERS’ COMPENSATION
LEGISLATIVE ACTIVITY
HB 370 (Chapter 226)/SB 313 (Chapter 225)
Workers' Compensation - Anne Arundel County Deputy Sheriff
• Specifies that, in Anne Arundel County, the deputy sheriff is
eligible for enhanced workers' compensation benefits for a
permanent partial disability
WORKERS’ COMPENSATION
SB 139 (Chapter 184)

Health Care Practitioners - Prescription Drug or Device
Dispensing - Medical Facilities or Clinics That Specialize in
Treatment Reimbursable Through Workers' Compensation
Insurance
• Requires dentists, physicians and podiatrists that primarily
treat workers’ compensation patients to obtain a dispensing
permit in order to dispense a prescription drug or device
• Removed an existing exemption
WORKERS’ COMPENSATION
HB 1330 (Chapter 676)

Workers' Compensation - Insurance Coverage - Employer
Compliance
• Modifies procedures for the Workers’ Compensation
Commission to enforce requirement that employers secure
workers' compensation insurance for covered employees
• Alters the penalty for noncompliance not to exceed $10,000
to be paid to the Uninsured Employers' Fund
• Establishes liability for companies who are unable to pay
any fine which is imposed upon them
WORKERS’ COMPENSATION
SB 65 (Chapter 16)

Workers' Compensation - Claim Processing - Electronic
Delivery of Decisions
• Authorizes the Workers' Compensation Commission to send
copies of its decisions and orders electronically if the party's
attorney of record or, if unrepresented, the party itself
consents
WORKERS’ COMPENSATION
SB 80 (Chapter 177)

Public Health - Prescription Drug Monitoring Program Disclosure of Prescription Monitoring Data
• Adds the Division of Drug Control to the list of entities to
which the Prescription Drug Monitoring Program must
disclose prescription data
WORKERS’ COMPENSATION
HB 1389/SB 914

Workers' Compensation - Reimbursement for Drugs - Fee
Schedule and Requirements
• Introduced on behalf of the national workers' compensation
insurers who were seeking to establish a fee schedule to
address the issue of physician dispensing prescriptions to
workers' compensation patients
• On the heels of an effort, in 2011 and 2012, by the Workers'
Compensation Commission to promulgate regulations in
same vein
• Called for the Commission to develop regulations using the
manufacturer's average wholesale price for prescriptions in
this setting
WORKERS’ COMPENSATION
HB 174/SB 247

Workers' Compensation - Payment for Physician-Dispensed
Prescriptions - Limitations
• Did not pass, but very important
•

•
•
•

Sought to address the ongoing problem of physicians
dispensing prescriptions in their offices to workers'
compensation patients
Originally limited the insurers' or employers' liability for
such prescriptions to 72 hours after first consultation
Amended to limit liability to 30 days after first consultation
Goal of educating the respective committees was met
WORKERS’ COMPENSATION
HB 959

Workers' Compensation - Retaliation by Employer Prohibition
• Would have prohibited employer from retaliating in any way
against a covered employee because employee files claim
for workers' compensation
• Would have authorized a covered employee who is
aggrieved by a violation to bring civil suit against employer
• Supported by trial bar
• Referred to interim study by House Economic Matters
WORKERS’ COMPENSATION
HB 955 (Chapter 394)

Task Force to Study Temporary Disability Insurance Programs
and the Process for Assisting Individuals with Disabilities at
Local Departments of Social Services
• Study benefits available under State and Federal law to
people who become disabled due to non-work related
illness or injury
• Study wage replacement benefits available
• Make recommendations for temporary disability insurance
program in Maryland
WORKERS’ COMPENSATION
HB 1314/SB 681

Workers' Compensation - Insurance Coverage - Employer
Compliance
• Sought to delay by two years effective date of changes to
the medical presumptions for firefighters and related
personnel to allow medical expert to conduct study on
presumption issue
• Expect issue of presumptions for firefighters and other
emergency personnel to be ongoing debate
WORKERS’ COMPENSATION
Workers’ Compensation Commission

Stability
•
•
•
•
•

One of the strongest systems in the country
Forward thinking Commission
Commissioners routinely reappointed
No regulatory complaints against insurers in the WC arena
Audits of insurers and self-insurers going well
WORKERS’ COMPENSATION
REGULATORY ACTIVITY
Regulatory Re-write
Statutorily required non-substantive review of regulations
• Held preliminary hearings on draft regulations
•
•

WCC pulled regulations to revisit with new AAG
Expected to be completed by end of year
2014 STATE ELECTIONS
Gubernatorial
• Lt. Governor Anthony G. Brown
• Democrat
• Former Delegate from Prince George’s County
• Ken Ulman (Lt. Governor Candidate)
– Howard County Executive
2014 STATE ELECTIONS
Gubernatorial
• Attorney General Douglas F. Gansler
• Democrat
• Montgomery County State’s Attorney
• Has not announced Lt. Governor Running Mate
2014 STATE ELECTIONS
Gubernatorial
• Heather R. Mizeur
• Democrat
• Delegate from Montgomery County
2014 STATE ELECTIONS
Gubernatorial
• David R. Craig
• Republican
• Harford County Executive
• Former State Senator
2014 STATE ELECTIONS
Gubernatorial
• Ron George
• Republican
• Delegate from Anne Arundel County
2014 STATE ELECTIONS
Attorney General
• Brian Frosh
• Chair of Senate Judicial Proceedings Committee
• Senator from Montgomery County for 18 years
• Practicing attorney for 37 years
2014 STATE ELECTIONS
Attorney General
• Jon Cardin
• Delegate from Baltimore County since 2003
• Name recognition
• Practicing attorney for 12 years
2014 STATE ELECTIONS
Attorney General
• C. William (Bill) Frick
• Delegate from Montgomery County since 2007
• Practicing attorney for 13 years
2014 STATE ELECTIONS
Attorney General
• Aisha Braveboy
• Delegate from Prince George’s County since 2007
• Practicing attorney for 13 years
2014 STATE ELECTIONS
Comptroller
• Peter Franchot
• Contemplated run for Governor
• Will seek re-election
2014 STATE ELECTIONS
Maryland General Assembly
• Over 38 current members will not maintain
current seats
• Over 20% of the Legislature
2014 STATE ELECTIONS
Maryland General Assembly
• Senate Finance Committee
• Major changes
• 4 out of 11 leaving

• Chairman Thomas McClain (“Mac”) Middleton
• Democrat, District 28, Charles County
• Should be safe despite changing demographics

• Vice Chairman John Astle
• Democrat, District 30, Anne Arundel County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• Rob Garagiola
• Democrat, District 15, Montgomery County
• Former Majority Leader
• Resigned as of September 1, 2013

• Barry Glassman
• Republican, District 35, Harford County
• Running for Harford County Executive
• Unopposed

• Delores Kelley
• Democrat, District 10, Baltimore County
• Tougher than normal race due to redistricting
2014 STATE ELECTIONS
Maryland General Assembly
• Allan Kittleman
• Republican, District 9, Carroll & Howard Counties
• Running for Howard County Executive

• Katherine Klausmeier
• Democrat, District 8, Baltimore County
• Should be safe

• Jim Mathias
• Democrat, District 38, Somerset, Wicomico & Worcester
Counties
• Should be safe, although had tough race to get the seat
2014 STATE ELECTIONS
Maryland General Assembly
• E. J. Pipkin
• Republican, District 36, Caroline, Cecil, Kent & Queen
Anne's Counties
• Resigned August 2013 to pursue master’s degree in sports
management

• Catherine Pugh
• Democrat, District 40, Baltimore City
• Should be safe

• Victor Ramirez
• Democrat, District 47, Prince George's County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• House Economic Matters Committee
• Significant change
• 8 out of 23 leaving House of Delegates

• Chairman Dereck Davis
• Democrat, District 25, Prince George's County
• Should be safe

• Vice Chairman David Rudolph
• Democrat, District 34B, Cecil County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• Charles Barkley
• Democrat, District 39, Montgomery County
• Should be safe

• Benjamin Barnes
• Democrat, District 21, Anne Arundel & Prince George's
Counties
• Should be safe

• Aisha Braveboy
• Democrat, District 25, Prince George's County
• Running for Attorney General
2014 STATE ELECTIONS
Maryland General Assembly
• Emmett Burns
• Democrat, District 10, Baltimore County
• Not seeking re-election

• Galen Claggett
• Democrat, District 3A, Frederick County Counties
• Running for Mayor of Frederick

• Brian Feldman
• Democrat, District 15, Montgomery County
• Filled Senator Garagiola’s vacated seat
2014 STATE ELECTIONS
Maryland General Assembly
• Jeannie Haddaway-Riccio
• Republican, District 37B, Caroline, Dorchester, Talbot &
Wicomico Counties
• Running for Lieutenant Governor on Republican ticket

• Stephen Hershey
• Republican, District 36, Caroline, Cecil, Kent & Queen
Anne's Counties
• Filled Senator Pipkin’s vacated seat

• Tom Hucker
• Democrat, District 20, Montgomery County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• Rick Impallaria
• Republican, District 7, Baltimore & Harford Counties
• Should be safe

• Sally Jameson
• Democrat, District 28, Charles County
• Tough race as a result of changed demographics

• Ben Kramer
• Democrat, District 19, Montgomery County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• Mary Ann Love
• Democrat, District 32, Anne Arundel County
• Seeking re-election?

• Brian McHale
• Democrat, District 46, Baltimore City
• Not seeking re-election

• Warren Miller
• Republican, District 9A, Howard County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• Sonny Minnick
• Democrat, District 6, Baltimore County
• Not seeking re-election

• John Olszewski, Jr.
• Democrat, District 6, Baltimore County
• Running for Norman Stone’s Senate seat (retiring)

• Steve Shuh
• Republican, District 31, Anne Arundel County
• Should be safe
2014 STATE ELECTIONS
Maryland General Assembly
• Kelley Schulz
• Republican, District 4A, Frederick County
• Should be safe

• Donna Stifler
• Republican, District 35A, Harford County
• Running?
• Should be safe

• Michael Vaughn
• Democrat, District 24, Prince George's County
• Should be safe
2014 STATE ELECTIONS
Important Dates
• Primary Election
• June 24, 2014

• General Election
• November 4, 2014

More Related Content

What's hot

To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...
To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...
To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...Fulcrum Partners LLC
 
On site medical clinic
On site medical clinicOn site medical clinic
On site medical clinicJohan Gjenvick
 
Erisa powerpoint 042215
Erisa powerpoint 042215Erisa powerpoint 042215
Erisa powerpoint 042215kneirynck2
 
IPL - Vol 80 - Philip Bennett Susan P Serota B Bethune A Whiston
IPL - Vol 80 - Philip Bennett Susan P  Serota B  Bethune A  WhistonIPL - Vol 80 - Philip Bennett Susan P  Serota B  Bethune A  Whiston
IPL - Vol 80 - Philip Bennett Susan P Serota B Bethune A WhistonBethune Whiston
 
Arkansas Rule 82 & Florida Senate Bill 2082 Analysis
Arkansas Rule 82 & Florida Senate Bill 2082 AnalysisArkansas Rule 82 & Florida Senate Bill 2082 Analysis
Arkansas Rule 82 & Florida Senate Bill 2082 Analysisranger78
 
DBA Basics for USAID Contractors & Grantees
DBA Basics for USAID Contractors & GranteesDBA Basics for USAID Contractors & Grantees
DBA Basics for USAID Contractors & GranteesOlga Wall
 
Life insurance ©saurabh goswami
Life insurance ©saurabh goswamiLife insurance ©saurabh goswami
Life insurance ©saurabh goswamiSaurabh Goswami
 
Claims Final (2)
Claims Final (2)Claims Final (2)
Claims Final (2)vijay popat
 
SAG Death Benefits OSD Study 2004
SAG Death Benefits OSD Study 2004SAG Death Benefits OSD Study 2004
SAG Death Benefits OSD Study 2004Mark Dye
 
Sfic webinar pres dec 2013 jul
Sfic webinar pres dec 2013 julSfic webinar pres dec 2013 jul
Sfic webinar pres dec 2013 juljleve
 
Covid 19 small business insurance program proposal
Covid 19 small business insurance program proposalCovid 19 small business insurance program proposal
Covid 19 small business insurance program proposalJasonSchupp1
 
Summary of Gazette 44591 Discretionary Collective Enterprises (Including: ESO...
Summary of Gazette 44591Discretionary Collective Enterprises (Including: ESO...Summary of Gazette 44591Discretionary Collective Enterprises (Including: ESO...
Summary of Gazette 44591 Discretionary Collective Enterprises (Including: ESO...Global Business Solutions SA
 

What's hot (19)

To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...
To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...
To Fund or Not to Fund: Non-Qualified Deferred Compensation Plans – Funding O...
 
On site medical clinic
On site medical clinicOn site medical clinic
On site medical clinic
 
14510ppt
14510ppt14510ppt
14510ppt
 
Erisa powerpoint 042215
Erisa powerpoint 042215Erisa powerpoint 042215
Erisa powerpoint 042215
 
IPL - Vol 80 - Philip Bennett Susan P Serota B Bethune A Whiston
IPL - Vol 80 - Philip Bennett Susan P  Serota B  Bethune A  WhistonIPL - Vol 80 - Philip Bennett Susan P  Serota B  Bethune A  Whiston
IPL - Vol 80 - Philip Bennett Susan P Serota B Bethune A Whiston
 
Arkansas Rule 82 & Florida Senate Bill 2082 Analysis
Arkansas Rule 82 & Florida Senate Bill 2082 AnalysisArkansas Rule 82 & Florida Senate Bill 2082 Analysis
Arkansas Rule 82 & Florida Senate Bill 2082 Analysis
 
DBA Basics for USAID Contractors & Grantees
DBA Basics for USAID Contractors & GranteesDBA Basics for USAID Contractors & Grantees
DBA Basics for USAID Contractors & Grantees
 
Life insurance ©saurabh goswami
Life insurance ©saurabh goswamiLife insurance ©saurabh goswami
Life insurance ©saurabh goswami
 
Claims Final (2)
Claims Final (2)Claims Final (2)
Claims Final (2)
 
SAG Death Benefits OSD Study 2004
SAG Death Benefits OSD Study 2004SAG Death Benefits OSD Study 2004
SAG Death Benefits OSD Study 2004
 
IRDA
IRDAIRDA
IRDA
 
Claim ppt
Claim pptClaim ppt
Claim ppt
 
S fv adams
S fv adamsS fv adams
S fv adams
 
Accounting
AccountingAccounting
Accounting
 
Surplus lines
Surplus lines Surplus lines
Surplus lines
 
Sfic webinar pres dec 2013 jul
Sfic webinar pres dec 2013 julSfic webinar pres dec 2013 jul
Sfic webinar pres dec 2013 jul
 
Covid 19 small business insurance program proposal
Covid 19 small business insurance program proposalCovid 19 small business insurance program proposal
Covid 19 small business insurance program proposal
 
Summary of Gazette 44591 Discretionary Collective Enterprises (Including: ESO...
Summary of Gazette 44591Discretionary Collective Enterprises (Including: ESO...Summary of Gazette 44591Discretionary Collective Enterprises (Including: ESO...
Summary of Gazette 44591 Discretionary Collective Enterprises (Including: ESO...
 
Health
HealthHealth
Health
 

Viewers also liked

End of-life management solar photovoltaic panels 2016 irena
End of-life management  solar photovoltaic panels 2016 irenaEnd of-life management  solar photovoltaic panels 2016 irena
End of-life management solar photovoltaic panels 2016 irenaAlpha
 
Data Science Application in Business Portfolio & Risk Management
Data Science Application in Business Portfolio & Risk ManagementData Science Application in Business Portfolio & Risk Management
Data Science Application in Business Portfolio & Risk ManagementData Science Thailand
 
Predictive Analytics World Berlin 2016
Predictive Analytics World Berlin 2016 Predictive Analytics World Berlin 2016
Predictive Analytics World Berlin 2016 Rising Media Ltd.
 
Understanding Risk Stratification, Comorbidities, and the Future of Healthcare
Understanding Risk Stratification, Comorbidities, and the Future of HealthcareUnderstanding Risk Stratification, Comorbidities, and the Future of Healthcare
Understanding Risk Stratification, Comorbidities, and the Future of HealthcareHealth Catalyst
 
The Future of Personalized Health Care: Predictive Analytics by @Rock_Health
The Future of Personalized Health Care: Predictive Analytics by @Rock_HealthThe Future of Personalized Health Care: Predictive Analytics by @Rock_Health
The Future of Personalized Health Care: Predictive Analytics by @Rock_HealthRock Health
 
Three Approaches to Predictive Analytics in Healthcare
Three Approaches to Predictive Analytics in HealthcareThree Approaches to Predictive Analytics in Healthcare
Three Approaches to Predictive Analytics in HealthcareHealth Catalyst
 
Application of predictive analytics
Application of predictive analyticsApplication of predictive analytics
Application of predictive analyticsPrasad Narasimhan
 
Deploying Predictive Analytics in Healthcare
Deploying Predictive Analytics in HealthcareDeploying Predictive Analytics in Healthcare
Deploying Predictive Analytics in HealthcareHealth Catalyst
 
Data science technology overview
Data science technology overviewData science technology overview
Data science technology overviewSoojung Hong
 
Deep Learning - Convolutional Neural Networks
Deep Learning - Convolutional Neural NetworksDeep Learning - Convolutional Neural Networks
Deep Learning - Convolutional Neural NetworksChristian Perone
 

Viewers also liked (12)

End of-life management solar photovoltaic panels 2016 irena
End of-life management  solar photovoltaic panels 2016 irenaEnd of-life management  solar photovoltaic panels 2016 irena
End of-life management solar photovoltaic panels 2016 irena
 
Data Science Application in Business Portfolio & Risk Management
Data Science Application in Business Portfolio & Risk ManagementData Science Application in Business Portfolio & Risk Management
Data Science Application in Business Portfolio & Risk Management
 
Predictive Analytics World Berlin 2016
Predictive Analytics World Berlin 2016 Predictive Analytics World Berlin 2016
Predictive Analytics World Berlin 2016
 
Advanced Predictive Modeling with R and RapidMiner Studio 7
Advanced Predictive Modeling with R and RapidMiner Studio 7Advanced Predictive Modeling with R and RapidMiner Studio 7
Advanced Predictive Modeling with R and RapidMiner Studio 7
 
Predictive analytic-for-retail-business
Predictive analytic-for-retail-businessPredictive analytic-for-retail-business
Predictive analytic-for-retail-business
 
Understanding Risk Stratification, Comorbidities, and the Future of Healthcare
Understanding Risk Stratification, Comorbidities, and the Future of HealthcareUnderstanding Risk Stratification, Comorbidities, and the Future of Healthcare
Understanding Risk Stratification, Comorbidities, and the Future of Healthcare
 
The Future of Personalized Health Care: Predictive Analytics by @Rock_Health
The Future of Personalized Health Care: Predictive Analytics by @Rock_HealthThe Future of Personalized Health Care: Predictive Analytics by @Rock_Health
The Future of Personalized Health Care: Predictive Analytics by @Rock_Health
 
Three Approaches to Predictive Analytics in Healthcare
Three Approaches to Predictive Analytics in HealthcareThree Approaches to Predictive Analytics in Healthcare
Three Approaches to Predictive Analytics in Healthcare
 
Application of predictive analytics
Application of predictive analyticsApplication of predictive analytics
Application of predictive analytics
 
Deploying Predictive Analytics in Healthcare
Deploying Predictive Analytics in HealthcareDeploying Predictive Analytics in Healthcare
Deploying Predictive Analytics in Healthcare
 
Data science technology overview
Data science technology overviewData science technology overview
Data science technology overview
 
Deep Learning - Convolutional Neural Networks
Deep Learning - Convolutional Neural NetworksDeep Learning - Convolutional Neural Networks
Deep Learning - Convolutional Neural Networks
 

Similar to Lininger-Property & Casualty Legislative Up-date 2013-10

PIP & Personal Injury Seminar.pdf
PIP & Personal Injury Seminar.pdfPIP & Personal Injury Seminar.pdf
PIP & Personal Injury Seminar.pdfRichard Ribacoff
 
Everything You Need to Know About COBRA
Everything You Need to Know About COBRAEverything You Need to Know About COBRA
Everything You Need to Know About COBRAbenefitexpress
 
Amendments to the Alberta and British Columbia Insurance Acts
Amendments to the Alberta and British Columbia Insurance ActsAmendments to the Alberta and British Columbia Insurance Acts
Amendments to the Alberta and British Columbia Insurance ActsNow Dentons
 
Dealing with DOL Audits
Dealing with DOL AuditsDealing with DOL Audits
Dealing with DOL Auditsbenefitexpress
 
Recent Affordable Care Act (ACA) changes and impacts
Recent Affordable Care Act (ACA) changes and impactsRecent Affordable Care Act (ACA) changes and impacts
Recent Affordable Care Act (ACA) changes and impactsSrini Attili
 
Unfair claims-settlement-practices-act
Unfair claims-settlement-practices-actUnfair claims-settlement-practices-act
Unfair claims-settlement-practices-actLira Venture Capital
 
HIPAA: Everything You Need to Know
HIPAA: Everything You Need to KnowHIPAA: Everything You Need to Know
HIPAA: Everything You Need to Knowbenefitexpress
 
AML and OFAC Compliance for the Insurance Industry - Conference Materials
AML and OFAC Compliance for the Insurance Industry - Conference MaterialsAML and OFAC Compliance for the Insurance Industry - Conference Materials
AML and OFAC Compliance for the Insurance Industry - Conference MaterialsRachel Hamilton
 
09 Cobra Presentation 5 11 09 Final
09 Cobra Presentation 5 11 09 Final09 Cobra Presentation 5 11 09 Final
09 Cobra Presentation 5 11 09 Finalmbarreto13
 
Insurance act presentation - southampton May 2016
Insurance act presentation - southampton May 2016Insurance act presentation - southampton May 2016
Insurance act presentation - southampton May 2016Michael Howard
 
Latest and Greatest in HRA's and Cafeteria Plans
Latest and Greatest in HRA's and Cafeteria PlansLatest and Greatest in HRA's and Cafeteria Plans
Latest and Greatest in HRA's and Cafeteria Plansbenefitexpress
 
Insurance Institute of Coventry
Insurance Institute of CoventryInsurance Institute of Coventry
Insurance Institute of CoventryMichael Howard
 
Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...
Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...
Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...Overholt Law
 
CAA Presentation (FSC) (November 27 2014)(final)
CAA Presentation (FSC) (November 27 2014)(final)CAA Presentation (FSC) (November 27 2014)(final)
CAA Presentation (FSC) (November 27 2014)(final)Melanie Kamilah Williams
 
Puzzling Precedents: Piecing Together MEWAs
Puzzling Precedents: Piecing Together MEWAsPuzzling Precedents: Piecing Together MEWAs
Puzzling Precedents: Piecing Together MEWAsbenefitexpress
 
Avoiding the Minefields of Claims-Made Insurance Policies
Avoiding the Minefields of Claims-Made Insurance PoliciesAvoiding the Minefields of Claims-Made Insurance Policies
Avoiding the Minefields of Claims-Made Insurance PoliciesL. D. Simmons
 
Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...
Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...
Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...Downey Brand LLP
 
Oklahoma Compliance Overview
Oklahoma Compliance OverviewOklahoma Compliance Overview
Oklahoma Compliance OverviewClaimToolkit
 
That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...
That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...
That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...Quarles & Brady
 

Similar to Lininger-Property & Casualty Legislative Up-date 2013-10 (20)

PIP & Personal Injury Seminar.pdf
PIP & Personal Injury Seminar.pdfPIP & Personal Injury Seminar.pdf
PIP & Personal Injury Seminar.pdf
 
Everything You Need to Know About COBRA
Everything You Need to Know About COBRAEverything You Need to Know About COBRA
Everything You Need to Know About COBRA
 
Amendments to the Alberta and British Columbia Insurance Acts
Amendments to the Alberta and British Columbia Insurance ActsAmendments to the Alberta and British Columbia Insurance Acts
Amendments to the Alberta and British Columbia Insurance Acts
 
Dealing with DOL Audits
Dealing with DOL AuditsDealing with DOL Audits
Dealing with DOL Audits
 
Recent Affordable Care Act (ACA) changes and impacts
Recent Affordable Care Act (ACA) changes and impactsRecent Affordable Care Act (ACA) changes and impacts
Recent Affordable Care Act (ACA) changes and impacts
 
Unfair claims-settlement-practices-act
Unfair claims-settlement-practices-actUnfair claims-settlement-practices-act
Unfair claims-settlement-practices-act
 
HIPAA: Everything You Need to Know
HIPAA: Everything You Need to KnowHIPAA: Everything You Need to Know
HIPAA: Everything You Need to Know
 
AML and OFAC Compliance for the Insurance Industry - Conference Materials
AML and OFAC Compliance for the Insurance Industry - Conference MaterialsAML and OFAC Compliance for the Insurance Industry - Conference Materials
AML and OFAC Compliance for the Insurance Industry - Conference Materials
 
09 Cobra Presentation 5 11 09 Final
09 Cobra Presentation 5 11 09 Final09 Cobra Presentation 5 11 09 Final
09 Cobra Presentation 5 11 09 Final
 
Insurance act presentation - southampton May 2016
Insurance act presentation - southampton May 2016Insurance act presentation - southampton May 2016
Insurance act presentation - southampton May 2016
 
Latest and Greatest in HRA's and Cafeteria Plans
Latest and Greatest in HRA's and Cafeteria PlansLatest and Greatest in HRA's and Cafeteria Plans
Latest and Greatest in HRA's and Cafeteria Plans
 
Insurance Institute of Coventry
Insurance Institute of CoventryInsurance Institute of Coventry
Insurance Institute of Coventry
 
Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...
Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...
Overholt Law Breakfast Seminar - Employment, Labour Relations, Human Rights a...
 
CAA Presentation (FSC) (November 27 2014)(final)
CAA Presentation (FSC) (November 27 2014)(final)CAA Presentation (FSC) (November 27 2014)(final)
CAA Presentation (FSC) (November 27 2014)(final)
 
Puzzling Precedents: Piecing Together MEWAs
Puzzling Precedents: Piecing Together MEWAsPuzzling Precedents: Piecing Together MEWAs
Puzzling Precedents: Piecing Together MEWAs
 
Avoiding the Minefields of Claims-Made Insurance Policies
Avoiding the Minefields of Claims-Made Insurance PoliciesAvoiding the Minefields of Claims-Made Insurance Policies
Avoiding the Minefields of Claims-Made Insurance Policies
 
Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...
Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...
Rebecca Sczepanski - Meeting Fiduciary Duties, Reducing Liabilities, and Impr...
 
Oklahoma Compliance Overview
Oklahoma Compliance OverviewOklahoma Compliance Overview
Oklahoma Compliance Overview
 
That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...
That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...
That's a Wrap! Employee Benefits Year-End Reminders (and a Preview of 2019 Ch...
 
4 irda act 1999
4 irda act 19994 irda act 1999
4 irda act 1999
 

More from Don Grauel

Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...
Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...
Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...Don Grauel
 
Surety Industry Overview: State of the Industry by Cissie Scoggin
Surety Industry Overview: State of the Industry by Cissie ScogginSurety Industry Overview: State of the Industry by Cissie Scoggin
Surety Industry Overview: State of the Industry by Cissie ScogginDon Grauel
 
Unti-Claims Handling Following Catastrophes 2013-10
Unti-Claims Handling Following Catastrophes 2013-10Unti-Claims Handling Following Catastrophes 2013-10
Unti-Claims Handling Following Catastrophes 2013-10Don Grauel
 
Ryan-Special Events Insurance Considerations 2013-10
Ryan-Special Events Insurance Considerations 2013-10Ryan-Special Events Insurance Considerations 2013-10
Ryan-Special Events Insurance Considerations 2013-10Don Grauel
 
Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10
Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10
Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10Don Grauel
 
Donald-Climate Change, Uncovering Risk in a Warming World 2013-10
Donald-Climate Change, Uncovering Risk in a Warming World 2013-10Donald-Climate Change, Uncovering Risk in a Warming World 2013-10
Donald-Climate Change, Uncovering Risk in a Warming World 2013-10Don Grauel
 
Waite- Flood IRT Balto 10_2012
Waite- Flood IRT Balto 10_2012Waite- Flood IRT Balto 10_2012
Waite- Flood IRT Balto 10_2012Don Grauel
 
Shields- Equity View IRT Balto 10_2012
Shields- Equity View IRT Balto 10_2012Shields- Equity View IRT Balto 10_2012
Shields- Equity View IRT Balto 10_2012Don Grauel
 
LaCroix- D&O IRT Balto 10-2012
LaCroix- D&O IRT Balto 10-2012LaCroix- D&O IRT Balto 10-2012
LaCroix- D&O IRT Balto 10-2012Don Grauel
 
Clinton- Cyber IRT Balto 10_2012
Clinton- Cyber IRT Balto 10_2012Clinton- Cyber IRT Balto 10_2012
Clinton- Cyber IRT Balto 10_2012Don Grauel
 
Hal White 2010 Fowler Seminar
Hal White 2010 Fowler SeminarHal White 2010 Fowler Seminar
Hal White 2010 Fowler SeminarDon Grauel
 
George Gavras 2010 Fowler Seminar
George Gavras 2010 Fowler SeminarGeorge Gavras 2010 Fowler Seminar
George Gavras 2010 Fowler SeminarDon Grauel
 
Dan Hausmann 2010 Fowler Seminar
Dan Hausmann 2010 Fowler SeminarDan Hausmann 2010 Fowler Seminar
Dan Hausmann 2010 Fowler SeminarDon Grauel
 
Sabrena Sally 2010 Fowler Seminar
Sabrena Sally 2010 Fowler SeminarSabrena Sally 2010 Fowler Seminar
Sabrena Sally 2010 Fowler SeminarDon Grauel
 
Ron Adams 2010 Fowler Seminar
Ron Adams 2010 Fowler SeminarRon Adams 2010 Fowler Seminar
Ron Adams 2010 Fowler SeminarDon Grauel
 

More from Don Grauel (15)

Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...
Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...
Discussing Cyber Risk Coverage With Your Commercial Clients by Steve Robinson...
 
Surety Industry Overview: State of the Industry by Cissie Scoggin
Surety Industry Overview: State of the Industry by Cissie ScogginSurety Industry Overview: State of the Industry by Cissie Scoggin
Surety Industry Overview: State of the Industry by Cissie Scoggin
 
Unti-Claims Handling Following Catastrophes 2013-10
Unti-Claims Handling Following Catastrophes 2013-10Unti-Claims Handling Following Catastrophes 2013-10
Unti-Claims Handling Following Catastrophes 2013-10
 
Ryan-Special Events Insurance Considerations 2013-10
Ryan-Special Events Insurance Considerations 2013-10Ryan-Special Events Insurance Considerations 2013-10
Ryan-Special Events Insurance Considerations 2013-10
 
Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10
Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10
Petit-Workers Compensation—Medicare Secondary Payer Issues 2013-10
 
Donald-Climate Change, Uncovering Risk in a Warming World 2013-10
Donald-Climate Change, Uncovering Risk in a Warming World 2013-10Donald-Climate Change, Uncovering Risk in a Warming World 2013-10
Donald-Climate Change, Uncovering Risk in a Warming World 2013-10
 
Waite- Flood IRT Balto 10_2012
Waite- Flood IRT Balto 10_2012Waite- Flood IRT Balto 10_2012
Waite- Flood IRT Balto 10_2012
 
Shields- Equity View IRT Balto 10_2012
Shields- Equity View IRT Balto 10_2012Shields- Equity View IRT Balto 10_2012
Shields- Equity View IRT Balto 10_2012
 
LaCroix- D&O IRT Balto 10-2012
LaCroix- D&O IRT Balto 10-2012LaCroix- D&O IRT Balto 10-2012
LaCroix- D&O IRT Balto 10-2012
 
Clinton- Cyber IRT Balto 10_2012
Clinton- Cyber IRT Balto 10_2012Clinton- Cyber IRT Balto 10_2012
Clinton- Cyber IRT Balto 10_2012
 
Hal White 2010 Fowler Seminar
Hal White 2010 Fowler SeminarHal White 2010 Fowler Seminar
Hal White 2010 Fowler Seminar
 
George Gavras 2010 Fowler Seminar
George Gavras 2010 Fowler SeminarGeorge Gavras 2010 Fowler Seminar
George Gavras 2010 Fowler Seminar
 
Dan Hausmann 2010 Fowler Seminar
Dan Hausmann 2010 Fowler SeminarDan Hausmann 2010 Fowler Seminar
Dan Hausmann 2010 Fowler Seminar
 
Sabrena Sally 2010 Fowler Seminar
Sabrena Sally 2010 Fowler SeminarSabrena Sally 2010 Fowler Seminar
Sabrena Sally 2010 Fowler Seminar
 
Ron Adams 2010 Fowler Seminar
Ron Adams 2010 Fowler SeminarRon Adams 2010 Fowler Seminar
Ron Adams 2010 Fowler Seminar
 

Recently uploaded

How to Add a many2many Relational Field in Odoo 17
How to Add a many2many Relational Field in Odoo 17How to Add a many2many Relational Field in Odoo 17
How to Add a many2many Relational Field in Odoo 17Celine George
 
Quality Assurance_GOOD LABORATORY PRACTICE
Quality Assurance_GOOD LABORATORY PRACTICEQuality Assurance_GOOD LABORATORY PRACTICE
Quality Assurance_GOOD LABORATORY PRACTICESayali Powar
 
Ultra structure and life cycle of Plasmodium.pptx
Ultra structure and life cycle of Plasmodium.pptxUltra structure and life cycle of Plasmodium.pptx
Ultra structure and life cycle of Plasmodium.pptxDr. Asif Anas
 
In - Vivo and In - Vitro Correlation.pptx
In - Vivo and In - Vitro Correlation.pptxIn - Vivo and In - Vitro Correlation.pptx
In - Vivo and In - Vitro Correlation.pptxAditiChauhan701637
 
P4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdf
P4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdfP4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdf
P4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdfYu Kanazawa / Osaka University
 
CapTechU Doctoral Presentation -March 2024 slides.pptx
CapTechU Doctoral Presentation -March 2024 slides.pptxCapTechU Doctoral Presentation -March 2024 slides.pptx
CapTechU Doctoral Presentation -March 2024 slides.pptxCapitolTechU
 
Maximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdf
Maximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdfMaximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdf
Maximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdfTechSoup
 
The Stolen Bacillus by Herbert George Wells
The Stolen Bacillus by Herbert George WellsThe Stolen Bacillus by Herbert George Wells
The Stolen Bacillus by Herbert George WellsEugene Lysak
 
Education and training program in the hospital APR.pptx
Education and training program in the hospital APR.pptxEducation and training program in the hospital APR.pptx
Education and training program in the hospital APR.pptxraviapr7
 
PISA-VET launch_El Iza Mohamedou_19 March 2024.pptx
PISA-VET launch_El Iza Mohamedou_19 March 2024.pptxPISA-VET launch_El Iza Mohamedou_19 March 2024.pptx
PISA-VET launch_El Iza Mohamedou_19 March 2024.pptxEduSkills OECD
 
Easter in the USA presentation by Chloe.
Easter in the USA presentation by Chloe.Easter in the USA presentation by Chloe.
Easter in the USA presentation by Chloe.EnglishCEIPdeSigeiro
 
2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx
2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx
2024.03.23 What do successful readers do - Sandy Millin for PARK.pptxSandy Millin
 
How to Solve Singleton Error in the Odoo 17
How to Solve Singleton Error in the  Odoo 17How to Solve Singleton Error in the  Odoo 17
How to Solve Singleton Error in the Odoo 17Celine George
 
The basics of sentences session 10pptx.pptx
The basics of sentences session 10pptx.pptxThe basics of sentences session 10pptx.pptx
The basics of sentences session 10pptx.pptxheathfieldcps1
 
How to Show Error_Warning Messages in Odoo 17
How to Show Error_Warning Messages in Odoo 17How to Show Error_Warning Messages in Odoo 17
How to Show Error_Warning Messages in Odoo 17Celine George
 
How to Make a Field read-only in Odoo 17
How to Make a Field read-only in Odoo 17How to Make a Field read-only in Odoo 17
How to Make a Field read-only in Odoo 17Celine George
 
Philosophy of Education and Educational Philosophy
Philosophy of Education  and Educational PhilosophyPhilosophy of Education  and Educational Philosophy
Philosophy of Education and Educational PhilosophyShuvankar Madhu
 
Patient Counselling. Definition of patient counseling; steps involved in pati...
Patient Counselling. Definition of patient counseling; steps involved in pati...Patient Counselling. Definition of patient counseling; steps involved in pati...
Patient Counselling. Definition of patient counseling; steps involved in pati...raviapr7
 
What is the Future of QuickBooks DeskTop?
What is the Future of QuickBooks DeskTop?What is the Future of QuickBooks DeskTop?
What is the Future of QuickBooks DeskTop?TechSoup
 
Practical Research 1 Lesson 9 Scope and delimitation.pptx
Practical Research 1 Lesson 9 Scope and delimitation.pptxPractical Research 1 Lesson 9 Scope and delimitation.pptx
Practical Research 1 Lesson 9 Scope and delimitation.pptxKatherine Villaluna
 

Recently uploaded (20)

How to Add a many2many Relational Field in Odoo 17
How to Add a many2many Relational Field in Odoo 17How to Add a many2many Relational Field in Odoo 17
How to Add a many2many Relational Field in Odoo 17
 
Quality Assurance_GOOD LABORATORY PRACTICE
Quality Assurance_GOOD LABORATORY PRACTICEQuality Assurance_GOOD LABORATORY PRACTICE
Quality Assurance_GOOD LABORATORY PRACTICE
 
Ultra structure and life cycle of Plasmodium.pptx
Ultra structure and life cycle of Plasmodium.pptxUltra structure and life cycle of Plasmodium.pptx
Ultra structure and life cycle of Plasmodium.pptx
 
In - Vivo and In - Vitro Correlation.pptx
In - Vivo and In - Vitro Correlation.pptxIn - Vivo and In - Vitro Correlation.pptx
In - Vivo and In - Vitro Correlation.pptx
 
P4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdf
P4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdfP4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdf
P4C x ELT = P4ELT: Its Theoretical Background (Kanazawa, 2024 March).pdf
 
CapTechU Doctoral Presentation -March 2024 slides.pptx
CapTechU Doctoral Presentation -March 2024 slides.pptxCapTechU Doctoral Presentation -March 2024 slides.pptx
CapTechU Doctoral Presentation -March 2024 slides.pptx
 
Maximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdf
Maximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdfMaximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdf
Maximizing Impact_ Nonprofit Website Planning, Budgeting, and Design.pdf
 
The Stolen Bacillus by Herbert George Wells
The Stolen Bacillus by Herbert George WellsThe Stolen Bacillus by Herbert George Wells
The Stolen Bacillus by Herbert George Wells
 
Education and training program in the hospital APR.pptx
Education and training program in the hospital APR.pptxEducation and training program in the hospital APR.pptx
Education and training program in the hospital APR.pptx
 
PISA-VET launch_El Iza Mohamedou_19 March 2024.pptx
PISA-VET launch_El Iza Mohamedou_19 March 2024.pptxPISA-VET launch_El Iza Mohamedou_19 March 2024.pptx
PISA-VET launch_El Iza Mohamedou_19 March 2024.pptx
 
Easter in the USA presentation by Chloe.
Easter in the USA presentation by Chloe.Easter in the USA presentation by Chloe.
Easter in the USA presentation by Chloe.
 
2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx
2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx
2024.03.23 What do successful readers do - Sandy Millin for PARK.pptx
 
How to Solve Singleton Error in the Odoo 17
How to Solve Singleton Error in the  Odoo 17How to Solve Singleton Error in the  Odoo 17
How to Solve Singleton Error in the Odoo 17
 
The basics of sentences session 10pptx.pptx
The basics of sentences session 10pptx.pptxThe basics of sentences session 10pptx.pptx
The basics of sentences session 10pptx.pptx
 
How to Show Error_Warning Messages in Odoo 17
How to Show Error_Warning Messages in Odoo 17How to Show Error_Warning Messages in Odoo 17
How to Show Error_Warning Messages in Odoo 17
 
How to Make a Field read-only in Odoo 17
How to Make a Field read-only in Odoo 17How to Make a Field read-only in Odoo 17
How to Make a Field read-only in Odoo 17
 
Philosophy of Education and Educational Philosophy
Philosophy of Education  and Educational PhilosophyPhilosophy of Education  and Educational Philosophy
Philosophy of Education and Educational Philosophy
 
Patient Counselling. Definition of patient counseling; steps involved in pati...
Patient Counselling. Definition of patient counseling; steps involved in pati...Patient Counselling. Definition of patient counseling; steps involved in pati...
Patient Counselling. Definition of patient counseling; steps involved in pati...
 
What is the Future of QuickBooks DeskTop?
What is the Future of QuickBooks DeskTop?What is the Future of QuickBooks DeskTop?
What is the Future of QuickBooks DeskTop?
 
Practical Research 1 Lesson 9 Scope and delimitation.pptx
Practical Research 1 Lesson 9 Scope and delimitation.pptxPractical Research 1 Lesson 9 Scope and delimitation.pptx
Practical Research 1 Lesson 9 Scope and delimitation.pptx
 

Lininger-Property & Casualty Legislative Up-date 2013-10

  • 1. Insurance Roundtable of Baltimore 67th Annual F. Addison Fowler Seminar PROPERTY AND CASUALTY LEGISLATIVE/REGULATORY UPDATE Brett S. Lininger, Principal Semmes, Bowen & Semmes October 11, 2013
  • 2. PROPERTY and CASUALTY • Legislative Activity • Regulatory Activity WORKERS’ COMPENSATION • Legislative Activity • Regulatory Activity 2014 STATE ELECTIONS
  • 3. PROPERTY and CASUALTY LEGISLATIVE ACTIVITY HB 342 (Chapter 270)/SB 446 (Chapter 269) Homeowner's or Renter's Insurance and Private Passenger Motor Vehicle Insurance - Bundling Requirement – Prohibited • Prohibits an insurer from denying, refusing to renew, or cancelling coverage because individual fails to carry another line with insurer or another insurer in the same insurance holding company system
  • 4. PROPERTY and CASUALTY HB 392 (Chapter 111) Motor Vehicle Liability Insurance - Personal Injury Protection Coverage - Prohibition on Premium Increase • Prohibits an insurer that issues a policy with PIP from increasing the premium on the policy due to a PIP claim or payment
  • 5. PROPERTY and CASUALTY HB 537 (Chapter 377) Insurance Producers - Continuing Education - Online Courses • Prohibits Insurance Commissioner from disapproving CE course solely on the basis of methodology or technology used to deliver instruction to individuals taking course • Allows producer to obtain all or part of required CE credit hours from correspondence or online courses
  • 6. PROPERTY and CASUALTY HB 585 (Chapter 505) Procurement - Subcontractor Equal Access to Bonding Act of 2013 • Prohibits prime contractor from requiring sub-contractor to provide a bid, performance, or payment bond on procurement contract for services, supplies, or constructionrelated services with State, more stringent than current law • Requires prime to accept bond by sub if it would be accepted by State and provided by surety company authorized to do business in State or Maryland Small Business Development Financing Authority
  • 7. PROPERTY and CASUALTY HB 695 (Chapter 383) Homeowner's Insurance - Anti-Concurrent Causation Clause Notice and Study • Notification requirements • Study of how anti-concurrent clauses have been applied in other states and to determine with whom insureds communicate for an explanation of a clause
  • 8. PROPERTY and CASUALTY Bulletin 13-18 Homeowners Insurance Anti-Concurrent Causation Clause – Notice & Study • Clarifies the applicability of the notice required by HB 695 is to insurers offering homeowner’s insurance which includes coverage for fire, extended coverage, vandalism and malicious mischief, burglary, theft, or personal liability • • Does not include an umbrella policy Committees conducting study
  • 9. PROPERTY and CASUALTY HB 1089/SB 919 Motor Vehicle Laws - Rental Vehicles - Required Security • Would have allowed coverage for owners of rental vehicles to be secondary behind the renter's primary coverage • Stems from Virginia holding that self-insured car rental company was permitted to seek reimbursement from renter's personal automobile insurer after company satisfied damages caused by renter of vehicle • Referred to interim study by Committees of jurisdiction
  • 10. PROPERTY and CASUALTY HB 1132 (Chapter 74) SB 749 (Chapter 73) Maryland Automobile Insurance Fund - Operational Changes • • • • • Restructures MAIF Board Removes the AG's office as legal counsel Removes MAIF employees from State Personnel System State auditors no longer responsible for auditing MAIF Exempts MAIF from procurement laws relating to real estate
  • 11. PROPERTY and CASUALTY SB 930 (Chapter 334) MAIF – Acceptance of Premium Payments on Installment Basis and Premium Finance Agreements • Authorizes MAIF to accept premiums on installment basis • Requirements of MAIF installment plan • For 12 month policy w/ less than $3k annual premium, initial payment at least 25% of annual premium and offer no more than 6 installment payments • If more than $3k, initial payment at least 20% of annual premium and no more than 8 installment payments
  • 12. PROPERTY and CASUALTY HB 1203 (Chapter 406) Homeowner's or Renter's Insurance - Policy Exclusions for Specific Breeds or Mixed Breeds of Dogs – Notices • Requires insurers to disclose when policy excludes coverage for certain breeds of dogs and which breeds or mixes
  • 13. PROPERTY and CASUALTY SB 736 (Chapter 311) Insurance - Fraudulent Insurance Acts - Compensation for Deductible • Prohibits contractors from directly or indirectly compensating (or offering or promising to do so) an insured, with intent to defraud an insurer, for any part of an insurance deductible under insured's property or casualty insurance policy if payment for services will be made from proceeds of policy • Violation is fraudulent insurance act, subject to criminal penalties
  • 14. PROPERTY and CASUALTY HB 1205 (Chapter 407) Study of Captive Insurers • Requires MIA to study methods to establish and properly regulate captive in Maryland
  • 15. PROPERTY and CASUALTY REGULATORY ACTIVITY Bulletin 13-25 Rate Filings – Content of Filings and Right of Public Inspection • Reminder that all P&C rate filings and any supporting information filed is open to public inspection • “any supporting information” includes underwriting standards except when confidentiality is requested & they serve to determine eligibility with no impact on premium
  • 16. PROPERTY and CASUALTY Bulletin 13-09 Underwriting Period – Discovery of a Material Risk Factor • SB 531 (Chapter 253) • Allowed insurer to recalculate premium during underwriting period based on finding material risk w/o cancelling • Draft Regulations called for insurer to identify the newly discovered material risk(s) and specify how each risk impacted premium • Industry would prefer to disclose material risk(s) but show before and after comparison
  • 17. PROPERTY and CASUALTY Percentage Deductible MIA Regulations held up by AELR Committee • MIA held meeting with industry to address applicability concerns • No substantive changes made to regulations
  • 18. PROPERTY and CASUALTY MAIF Regulations Binding Rules • An attempt to address how to handle a producer’s loss of license • Sought to make MAIF policies the sole and exclusive property of MAIF • Would have allowed MAIF to terminate producer’s right to service MAIF if producer’s right to bind coverage was terminated • Regulations pulled due to agent community response and willingness to discuss alternative solutions
  • 19. WORKERS’ COMPENSATION LEGISLATIVE ACTIVITY HB 370 (Chapter 226)/SB 313 (Chapter 225) Workers' Compensation - Anne Arundel County Deputy Sheriff • Specifies that, in Anne Arundel County, the deputy sheriff is eligible for enhanced workers' compensation benefits for a permanent partial disability
  • 20. WORKERS’ COMPENSATION SB 139 (Chapter 184) Health Care Practitioners - Prescription Drug or Device Dispensing - Medical Facilities or Clinics That Specialize in Treatment Reimbursable Through Workers' Compensation Insurance • Requires dentists, physicians and podiatrists that primarily treat workers’ compensation patients to obtain a dispensing permit in order to dispense a prescription drug or device • Removed an existing exemption
  • 21. WORKERS’ COMPENSATION HB 1330 (Chapter 676) Workers' Compensation - Insurance Coverage - Employer Compliance • Modifies procedures for the Workers’ Compensation Commission to enforce requirement that employers secure workers' compensation insurance for covered employees • Alters the penalty for noncompliance not to exceed $10,000 to be paid to the Uninsured Employers' Fund • Establishes liability for companies who are unable to pay any fine which is imposed upon them
  • 22. WORKERS’ COMPENSATION SB 65 (Chapter 16) Workers' Compensation - Claim Processing - Electronic Delivery of Decisions • Authorizes the Workers' Compensation Commission to send copies of its decisions and orders electronically if the party's attorney of record or, if unrepresented, the party itself consents
  • 23. WORKERS’ COMPENSATION SB 80 (Chapter 177) Public Health - Prescription Drug Monitoring Program Disclosure of Prescription Monitoring Data • Adds the Division of Drug Control to the list of entities to which the Prescription Drug Monitoring Program must disclose prescription data
  • 24. WORKERS’ COMPENSATION HB 1389/SB 914 Workers' Compensation - Reimbursement for Drugs - Fee Schedule and Requirements • Introduced on behalf of the national workers' compensation insurers who were seeking to establish a fee schedule to address the issue of physician dispensing prescriptions to workers' compensation patients • On the heels of an effort, in 2011 and 2012, by the Workers' Compensation Commission to promulgate regulations in same vein • Called for the Commission to develop regulations using the manufacturer's average wholesale price for prescriptions in this setting
  • 25. WORKERS’ COMPENSATION HB 174/SB 247 Workers' Compensation - Payment for Physician-Dispensed Prescriptions - Limitations • Did not pass, but very important • • • • Sought to address the ongoing problem of physicians dispensing prescriptions in their offices to workers' compensation patients Originally limited the insurers' or employers' liability for such prescriptions to 72 hours after first consultation Amended to limit liability to 30 days after first consultation Goal of educating the respective committees was met
  • 26. WORKERS’ COMPENSATION HB 959 Workers' Compensation - Retaliation by Employer Prohibition • Would have prohibited employer from retaliating in any way against a covered employee because employee files claim for workers' compensation • Would have authorized a covered employee who is aggrieved by a violation to bring civil suit against employer • Supported by trial bar • Referred to interim study by House Economic Matters
  • 27. WORKERS’ COMPENSATION HB 955 (Chapter 394) Task Force to Study Temporary Disability Insurance Programs and the Process for Assisting Individuals with Disabilities at Local Departments of Social Services • Study benefits available under State and Federal law to people who become disabled due to non-work related illness or injury • Study wage replacement benefits available • Make recommendations for temporary disability insurance program in Maryland
  • 28. WORKERS’ COMPENSATION HB 1314/SB 681 Workers' Compensation - Insurance Coverage - Employer Compliance • Sought to delay by two years effective date of changes to the medical presumptions for firefighters and related personnel to allow medical expert to conduct study on presumption issue • Expect issue of presumptions for firefighters and other emergency personnel to be ongoing debate
  • 29. WORKERS’ COMPENSATION Workers’ Compensation Commission Stability • • • • • One of the strongest systems in the country Forward thinking Commission Commissioners routinely reappointed No regulatory complaints against insurers in the WC arena Audits of insurers and self-insurers going well
  • 30. WORKERS’ COMPENSATION REGULATORY ACTIVITY Regulatory Re-write Statutorily required non-substantive review of regulations • Held preliminary hearings on draft regulations • • WCC pulled regulations to revisit with new AAG Expected to be completed by end of year
  • 31. 2014 STATE ELECTIONS Gubernatorial • Lt. Governor Anthony G. Brown • Democrat • Former Delegate from Prince George’s County • Ken Ulman (Lt. Governor Candidate) – Howard County Executive
  • 32. 2014 STATE ELECTIONS Gubernatorial • Attorney General Douglas F. Gansler • Democrat • Montgomery County State’s Attorney • Has not announced Lt. Governor Running Mate
  • 33. 2014 STATE ELECTIONS Gubernatorial • Heather R. Mizeur • Democrat • Delegate from Montgomery County
  • 34. 2014 STATE ELECTIONS Gubernatorial • David R. Craig • Republican • Harford County Executive • Former State Senator
  • 35. 2014 STATE ELECTIONS Gubernatorial • Ron George • Republican • Delegate from Anne Arundel County
  • 36. 2014 STATE ELECTIONS Attorney General • Brian Frosh • Chair of Senate Judicial Proceedings Committee • Senator from Montgomery County for 18 years • Practicing attorney for 37 years
  • 37. 2014 STATE ELECTIONS Attorney General • Jon Cardin • Delegate from Baltimore County since 2003 • Name recognition • Practicing attorney for 12 years
  • 38. 2014 STATE ELECTIONS Attorney General • C. William (Bill) Frick • Delegate from Montgomery County since 2007 • Practicing attorney for 13 years
  • 39. 2014 STATE ELECTIONS Attorney General • Aisha Braveboy • Delegate from Prince George’s County since 2007 • Practicing attorney for 13 years
  • 40. 2014 STATE ELECTIONS Comptroller • Peter Franchot • Contemplated run for Governor • Will seek re-election
  • 41. 2014 STATE ELECTIONS Maryland General Assembly • Over 38 current members will not maintain current seats • Over 20% of the Legislature
  • 42. 2014 STATE ELECTIONS Maryland General Assembly • Senate Finance Committee • Major changes • 4 out of 11 leaving • Chairman Thomas McClain (“Mac”) Middleton • Democrat, District 28, Charles County • Should be safe despite changing demographics • Vice Chairman John Astle • Democrat, District 30, Anne Arundel County • Should be safe
  • 43. 2014 STATE ELECTIONS Maryland General Assembly • Rob Garagiola • Democrat, District 15, Montgomery County • Former Majority Leader • Resigned as of September 1, 2013 • Barry Glassman • Republican, District 35, Harford County • Running for Harford County Executive • Unopposed • Delores Kelley • Democrat, District 10, Baltimore County • Tougher than normal race due to redistricting
  • 44. 2014 STATE ELECTIONS Maryland General Assembly • Allan Kittleman • Republican, District 9, Carroll & Howard Counties • Running for Howard County Executive • Katherine Klausmeier • Democrat, District 8, Baltimore County • Should be safe • Jim Mathias • Democrat, District 38, Somerset, Wicomico & Worcester Counties • Should be safe, although had tough race to get the seat
  • 45. 2014 STATE ELECTIONS Maryland General Assembly • E. J. Pipkin • Republican, District 36, Caroline, Cecil, Kent & Queen Anne's Counties • Resigned August 2013 to pursue master’s degree in sports management • Catherine Pugh • Democrat, District 40, Baltimore City • Should be safe • Victor Ramirez • Democrat, District 47, Prince George's County • Should be safe
  • 46. 2014 STATE ELECTIONS Maryland General Assembly • House Economic Matters Committee • Significant change • 8 out of 23 leaving House of Delegates • Chairman Dereck Davis • Democrat, District 25, Prince George's County • Should be safe • Vice Chairman David Rudolph • Democrat, District 34B, Cecil County • Should be safe
  • 47. 2014 STATE ELECTIONS Maryland General Assembly • Charles Barkley • Democrat, District 39, Montgomery County • Should be safe • Benjamin Barnes • Democrat, District 21, Anne Arundel & Prince George's Counties • Should be safe • Aisha Braveboy • Democrat, District 25, Prince George's County • Running for Attorney General
  • 48. 2014 STATE ELECTIONS Maryland General Assembly • Emmett Burns • Democrat, District 10, Baltimore County • Not seeking re-election • Galen Claggett • Democrat, District 3A, Frederick County Counties • Running for Mayor of Frederick • Brian Feldman • Democrat, District 15, Montgomery County • Filled Senator Garagiola’s vacated seat
  • 49. 2014 STATE ELECTIONS Maryland General Assembly • Jeannie Haddaway-Riccio • Republican, District 37B, Caroline, Dorchester, Talbot & Wicomico Counties • Running for Lieutenant Governor on Republican ticket • Stephen Hershey • Republican, District 36, Caroline, Cecil, Kent & Queen Anne's Counties • Filled Senator Pipkin’s vacated seat • Tom Hucker • Democrat, District 20, Montgomery County • Should be safe
  • 50. 2014 STATE ELECTIONS Maryland General Assembly • Rick Impallaria • Republican, District 7, Baltimore & Harford Counties • Should be safe • Sally Jameson • Democrat, District 28, Charles County • Tough race as a result of changed demographics • Ben Kramer • Democrat, District 19, Montgomery County • Should be safe
  • 51. 2014 STATE ELECTIONS Maryland General Assembly • Mary Ann Love • Democrat, District 32, Anne Arundel County • Seeking re-election? • Brian McHale • Democrat, District 46, Baltimore City • Not seeking re-election • Warren Miller • Republican, District 9A, Howard County • Should be safe
  • 52. 2014 STATE ELECTIONS Maryland General Assembly • Sonny Minnick • Democrat, District 6, Baltimore County • Not seeking re-election • John Olszewski, Jr. • Democrat, District 6, Baltimore County • Running for Norman Stone’s Senate seat (retiring) • Steve Shuh • Republican, District 31, Anne Arundel County • Should be safe
  • 53. 2014 STATE ELECTIONS Maryland General Assembly • Kelley Schulz • Republican, District 4A, Frederick County • Should be safe • Donna Stifler • Republican, District 35A, Harford County • Running? • Should be safe • Michael Vaughn • Democrat, District 24, Prince George's County • Should be safe
  • 54. 2014 STATE ELECTIONS Important Dates • Primary Election • June 24, 2014 • General Election • November 4, 2014