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In my book, Motherhood Lost: a Feminist Account of Pregnancy loss in America,' published in 2003,1 describe the unique historical and cultural forces that shaped the experience of pregnancy loss of many middle-class American women during the last quarter of the twentieth century.
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This final rule with comment period revises the regulations implementing medical loss ratio (MLR) requirements for health insurance issuers under the Public Health Service Act in order to address the treatment of ``mini-med'' and expatriate policies under these regulations for years after 2011; modify the way the regulations treat ICD-10 conversion costs; change the rules on deducting community benefit expenditures; and revise the rules governing the distribution of rebates by issuers in group markets.
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With the dramatic increase in the speed of personal computers and steep decline in the cost of computing, simulation has become one of the standard tools in the risk manager's toolbox and should now become one of the standard tools in the risk management and insurance student's toolbox. This teaching note aims to facilitate this process by showing how to create and run a simulation in a spreadsheet environment, and interpret simulation results to gain insight and understanding about a real-world problem. Specifically, this teaching note provides step-by-step instruction for simulating the present value of payments for losses occurring within a 1-year policy period. Losses are covered by an aggregate excess of loss treaty. The uncertainty lies in the frequency and severity of losses as w...
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In a number of recent cases, appellate courts have upheld the homicide convictions of criminal defendants whose conduct merely reduced the victim's chances of surviving another injury or illness that likely would have killed the victim anyway. Cases of this kind, which are known among tort scholars as "lost chance" or "loss of chance" cases, do not satisfy the criminal law's traditional requirement of "but for" causation: because the other injury or illness likely would have killed the victim anyway, it cannot be said that the victim would not have died "but for" the defendant's conduct. This Article argues, though, that the courts' departure from tradition in these cases is justified. Specifically, this Article argues that treating "lost chance" as a species of causation is consistent...
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This study reports readers' perceptions of loss when the the newspaper in Humbolt, Kan., ceased publication after 129 years. Readers did not find that local media alternatives filled the void left by the newspaper's demise.
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Based on a statistic known as "first-passage time probability" that accounts for exposure to loss during the entire investment horizon, it is shown that dollar cost averaging relative to lump sum investing can significantly reduce the probability, magnitude, and duration of enduring a large loss. This is especially relevant to investors with minimum loss thresholds, possible interim withdrawal needs, changing asset allocations, and/or an uncertain retirement date. For investing in stocks with a 5-year horizon, the probability of enduring a loss can be reduced from over 90% to less than 50%, the dollar amount of the conditional expected shortfall can be reduced by 65%, and the expected time one may have to endure a loss is reduced from 1.5 years to 4 months.
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This document is a request for information regarding the use of stop loss insurance by group health plans and their plan sponsors, with a focus on the prevalence and consequences of stop loss insurance at low attachment points. Given the limited nature of data available, the Departments of Labor, Health and Human Services (HHS), and the Treasury (collectively, the Departments) invite public comments via this request for information.
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