The reason that many people don’t trust insurance companies is because they have had bad experiences with one — or they know someone in their family or circle of friends who has had a bad experience. Maybe their uncle had a disability claim denied or a sibling was forced to settle for a fraction of the benefits to which they were entitled. In fact, disability and life insurance are rife with bad faith behavior on the part of the insurers.

One of the worst companies is Unum. The number of people faced with Unum claims denial is high because they are one of the largest writers of disability polices in the country and have a history of bad practices. Some of the more common ones that patients need to be aware of are the following:

Stalling or otherwise delaying claims.

Outright denying legitimate claims.

Forcing patients to get multiple independent medical exams.

Employing unqualified experts and witnesses to support their denial of claims.

Harassing claimants through the use of investigators and surveillance as well as pressuring co-workers and supervisors to discredit the injury.

Willfully misinterpreting medical reports or the policy terms or changing the policy after a claim is filed.

Arguing that the disability is pre-existing.

Making partial or minimal payments rather than the full amount to which the client is entitled.

You Need Help to Deal with Insurance Claims Denial is a post from: Fuzzy Bus

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Political corruption  has been around ever since the advent of politics, same can be said for Electoral corruption. Note that Electoral corruption is a subset of political corruption and therefore is a narrower version of political corruption and is still as old as elections itself.  Political corruption, coincides with electoral corruption and is a prominent feature concerning politics and elections involving old and new democracies. An interesting example of this is in the Southern States of the U.S., like Mississippi is infamous for election fraud aimed at disenfranchising African American voters. Another example is the Daley machine in Chicago or the Huey Long machine in Louisiana.

These machines were found to be rigged and had ties to the Mafia. A final example is the Watergate scandal heightened sensitivity to political corruption and led to the implementation of the Federal Election Commission (FEC) in 1974. This commission oversees election administration and all campaign financing.  The impact of severe political corruption and election fraud in a brand new democracy, like our own can be more pernicious and devastating.

It is clear that political corruption, the abuse of state resources and especially election fraud for partisan electoral purposes have extremely deep cultural and structural origins. They are intimately related to our Constitution, to the extent that they impose checks and balances, to the operational separation of state from government from the ruling party, to the degree of security of tenure enjoyed by the public servants, to the control of the economy and media and to the extent of the size and autonomy of the non-state and private sector.

They beg the question of whether or not there is genuine constitutionalism. Therefore, rather than resorting to exhortations and hand-slapping of the abusers, the problem must instead be addressed through institutional measures, like correcting structural flaws in the Constitution and laws of the country. Reduce Presidential and public official discretionary powers, shore up the independence of oversight and accountability bodies, bolster not only the independence, but the capacity of the Auditor General Department , and enact civic and public education that targets and raises the public, media and civil societies awareness and sensitivity to the problem.

The Universality of Political Corruption is a post from: Fuzzy Bus

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Anti-Money Laundering (ATB), has established the ‘Know Your Customer‘ policy as an essential process in stopping unintentional involvement with illegal activities. These procedures are in order to assist ATB with assessing money-laundering risks that are associated with each potential new client and already established clients.

All ATB associates are required to ascertain and take, within reason, measures in finding out the identities of these potential new clients and already established clients. If ATB is satisfied with the verification of a client’s identity, then and only then can an account be opened. Plus, there are new procedures that were developed by the ATB that will ascertain whether a client is operating on behalf of a third party for both new accounts and existing accounts. Also, all transactions of countries identified by the United Nations Resolutions and the Canadian government and their individuals or entities, are not recognized by the ATB.

ATB’s policies ensures that only ATB accepts clients whose activities can reasonably be established to be legitimate. They require all ATB associates be trained to recognize and respond to any suspicious and potential money-laundering activities. Depending on the position held by an ATB associate, the training may be basic or extensive. Reporting such transactions in compliance with the applicable regulations and ensures the ATB retains appropriate records of client information through due diligence measures and are retained for 5 years.

Any company with international dealings or financial institution must implement ATB’s polices. ATB will make sure the following measures have been established:   A Chief of Compliance Office needs to be appointed to provide independent oversight of compliance by ATB and its subsidiaries. An officer needs to be designated to be responsible for corporate wide measures with which to combat terrorist financing and money laundering and will report directly to senior management.

Essentials of ‘Know Your Customer’ Regulations is a post from: Fuzzy Bus

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Phoenix Arizona lawyers of all stripes have been helping those in need of competent attorneys who can represent them in court, in cases of will probate and estate planning . An Arizona lawyer from a reputable Phoenix law firm can help you understand the law and protocol in these sometimes tricky types of cases.

Finding a diligent Phoenix Arizona lawyer shouldn’t have to be a problem — an experienced attorney will let you in on the ins and outs of will probate and estate planning law in Arizona, as you are entitled to knowing exactly where you stand.

Probate and estate planning lawyers have helped many people reach the ideal outcome of their case. A good Phoenix law firm (which you can find easily on the internet or in a phone book) will assist you in getting you efficient and timely counsel, with as little cost to you in money or time as possible.

It can be a difficult time when a loved one passes and grief takes over. During a time like this, you need a competent attorney to take the helm and do justice to your situation.

If you have a will you are looking to prepare and keep on file, or need the will of a loved one put into probate (http://en.wikipedia.org/wiki/Probate, and are looking for an accomplished Phoenix lawyer, there are many to choose from. With online resources such as Justia.com at your fingertips, you should have no problem finding well-reviewed Phoenix lawyers. The good Phoenix law firms will be more than happy to answer your questions about your estate planning and should ask for no fees up front.

Let Phoenix Arizona lawyers Help You With Estate Planning is a post from: Fuzzy Bus

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