Monday 9 May 2016
Sentry Insurance The Right Choice
Sentry Insurance specializes in insurance mutual insurance company. the company's home office about half of the company's approximately 4,500 employees located in Stevens Point, Wisconsin. Sentry property and casualty insurance, workers' compensation, life insurance and other business insurance, annuities and retirement programs, such as non-insurance products. Sentry certain areas of specialized insurance programs, as well as large companies with complex risk.
Sentry is one of the nation's largest mutual insurance companies. December 31, 2014, the company more than $ 14 billion in assets and over $ 4.1 billion surplus of the insurer. Sentry is rated A + by AM Best, 2015, 2015, the insurance industry's leading authorities, Sentry Insurance companies in the Fortune 1000 list, 799th place.
History
Sentry Insurance to provide insurance for its members in the field of hardware, Wisconsin Retail Hardware Association, founded in 1904 by members of the Association of the Midwest Hardware. Its head office Hardware Mutual Insurance Companies in the construction of historical sites on the National Register of which was built in 1922 and is now listed.
The company, as well as Robert Trent Jones, Jr. 1982.Designed opened SentryWorld, target golf ", owns his own golf course.
In 2015, Sentry, Hortica Insurance & Employee Benefits merger agreement entered retail florists and other companies that specialize in providing insurance and benefit programs by adding a new line of business.
In 2014, the Sentry managing general agency distribution model railways bought by General Management Agency.
In addition, in 2014, Sentry DriveCam in-car cameras are delivered to clients.
In 2013, the Sentry risk management has released a mobile version of the portal.
Early in September, 2012, Sentry Insurance 144 home-based agents fired. To make a call during a date for the renewal of the company, their home-based agents. they are also called, have been in their positions effective immediately, he said. HR heads of all things, someone called to pick up their means of transport to go to achieve them. After the call was disconnected. the company is not profitable.
March 2012 was named director of Sentry Insurance Pete McPartland. He previously served as president and chief operating officer.
Logo
Sentry's logo "Minuteman Statue," in Lexington, Massachusetts, Capt. John Parker, a statue.
Operations
December 31, 2013, Sentry $ 13.2 billion of assets and companies billion.The Sentry Group serves more than 1.1 million policyholders were $ 4.1 surplus of the insurer. Sentry Insurance Companies 2014 list of Fortune 1000 777th place in group life, health, auto and property / injured lines. Sentry in the property and casualty companies are charged at a group of companies, A. M. Best.The Sentry + Dairyland, Peak Property and Casualty, Viking Insurance Company of Wisconsin, and about a dozen others.
The issue
2016: In 2013, a Sentry Insurance fraud investigation Iowa (State of Illinois) that led to criminal charges against the three. Davenport, Iowa Sentry call after call center were charged with insurance fraud ring operating in Illinois, Iowa. fought extradition of the accused for the crime Iowa. 2016, the Supreme Court of Iowa, Iowa court decision. the high court, as well as by a lower court for a few charges.
In 2015, he Sentry for sales and financial reporting unjustly accused of exploiting the information on their credit reports The main complaints were not obliged to indemnify the company, arguing that the federal court Dun & Bradstreet Corp. the court said. The company's rights or claims professional services organization, because hats are not obliged to indemnify the D & B said.
Become the owner of the policy steady in May, 2011, Sentry gene in court Furnace Shop. Sentry paid $ 350,000 for the client, but it is a gene in the fire allegedly set a dangerous chimney pipe identified the gene in Furnace Shop, sued to recover their money.
In 2007, the Sentry Insurance in Brookfield, WI filed a lawsuit against a 81-year-old woman. a member of the food supply in the 81-year-old ice in the driveway. three years after the claim was filed. Director of Services for Waukesha County, claiming they fear could lead to the necessary services for the elderly, as they were concerned. Most of the winter, and then buying an insurance company, but for the elderly is very weak, he knew ahead of time to help the elderly, "On Wheels", the company decided to provide workers' compensation insurance interrogated them to get out of the house, shoveling the driveway.
A Mutual Company
Ever open-eyed for its policyholders, lookout Insurance a Mutual Company (Sentry) and its subsidiaries and affiliates provide a spread of insurance merchandise, as well as personal automobile, homeowners, and alternative property/casualty lines, moreover as life policies and annuities. lookout provides specialised insurance to businesses of all sizes, as well as makers, retailers, and truckers. the corporate conjointly offers worker advantages, investment, and retirement choices for cluster accounts. once named Hardware Mutual, lookout was based in 1904 to supply insurance to members of the Wisconsin Retail Hardware Association. The mutual company is in hand by its policyholders.
Operations
Sentry covers over one.1 million policyholders scattered throughout the North American nation. The firm's property/casualty policies area unit underwritten by the scout Insurance cluster entities, together with Parker Centennial Assurance, Dairyland Insurance, and Middlesex Insurance. insurance, pensions, and annuities area unit provided by scout insurance Company and scout insurance Company of recent York. Its scout Equity Services unit offers investment company services.
Geographic Reach
From regional offices and its headquarters (in Stevens purpose, Wisconsin), the corporate serves customers in additional than forty states across the North American nation.
Sales and promoting
Policy sales area unit primarily conducted through a network of some twenty,000 freelance agencies throughout the US; the corporate additionally uses some internal sales agents to push its policies. scout serves business customers in industries together with natural philosophy, food process, metalwork, farm instrumentation, plastics, and printing; it additionally serves retail and distribution corporations, in addition as people and families.
Reliance Insurance Company Philadelphia
Now, an official of Reliance Insurance Company (liquidation), known as the Reliance Insurance Company, founded in Philadelphia in 1817, and took place in recent years, many corporate makeovers. October 3, 2001, the liquidation of the company.
History
1817-1968
Reliance 5 and 11 engine fire hose companies.Upon was founded by Philadelphia Fire Association was officially founded in 1820, including in 1817, is an independent volunteer fire departments the first successful organization, and most of the time opponents equipment destroyed and the fire brigade to attack opponents of expanded engaged in unproductive competition. underwriting fire insurance, to solve the problems of the past, the association, its members, who served as a mediator between the motor and hose companies. for the association's first policy of its three-storey building was purchased by Samuel Bleight. One of the company at the beginning of a permanent character coiled hose and both sides initials F.A. sign featuring a fireplug fire.
Association on March 27, 1820 by the Governor of Pennsylvania, wrote in the same year, and made 29 policy regulations. 44, 1844, and wrote the policy of 1832 by an association of 583 member companies. In 1850, he was in Philadelphia, all lost in the Great Fire, there was a surplus of $ 100,000. reliable, but their reputation and for the expansion of all claims paid as a result. Philadelphia, the city fire department in 1871. In return, they are a reliable insurance company and Philadelphia started out to write a policy measure under the new charter has chosen to continue as a joint stock company.
With the development of an area of agents across the country continued to grow over the next ten years, Reliance Insurance Company was one of the car insurance and various forms of expanded coverage, including the formation of branches established in 1920, . In 1950, the Association of the parent company and its subsidiaries were merged on January 1, 1958, Philadelphia Fire Association officially changed the name of Reliance Insurance Company. the purchase of the company's growth and the establishment of branches. In accordance with General Casualty Company of Wisconsin, Midwest and West to provide the company with a strong presence, in May 1967, acquired in 1956 and the Pacific Insurance Company. Eureka insurance company's name was changed to the insurance company in 1963, Planet started in 1959 and in 1976, wrote believe the commercial mass-marketing business.
1968-1998 "Saul Steinberg Era"
In 1968, Carter, Berlin & Weill ( "Carter Berliner") in the insurance brokerage firm and strong balance can be used for other things outside of work, plus a surplus, there are a lot of insurance companies, according to the professional . These are but a few insurance companies, and eventually, because of its strong financial position as the most attractive candidate for the largest share of Reliance shares of the target company and Carter in Berlin owned by institutional customers, because so, they concluded a . near, and Laurence Tisch, like many other financiers in Berlin after it was rejected by the Carter Phillip Saul Steinberg presented the idea to sell Reliance.
Mr. Tan was born in 1939 in Brooklyn, NY, August 22, 1961 in the Wharton School of Finance at the University of Pennsylvania in 1959. He received a Bachelor of Science degree in Economics Leasco Data Processing Equipment Corporation, IBM computer to rent a small office data processing equipment Company. the company grew rapidly expanded its capacity and sought to diversify the company in 1965, Steinberg, public.As grew Leasco. Leasco in 1968 bought 91% of Reliance Insurance Company and its affiliates (Steinberg winter to buy the balance of the company in 1981). A year later, in 1969, Steinberg did not, then one of the nation's largest financial institutions.The attempt to cross the $ 9 billion through the Chemical Bank Steinberg against the New York financial community and a reputation for brashness. Mr. Tan, "I always knew I was an institution. I just thought it was part of a" tissue Fifteen years later, Steinberg said the US authorities had raided the legendary Walt Disney Co. He is also able to offer, but its shares to "greenmail" forced Disney to pay him $ 60 million.
Steinberg, the leadership of the trust and its corporate parent Leasco early 1970s, the structure and performance of significant changes. Reliance Group Holdings, the holding company through a holding company and its subsidiaries and sister companies owned, which organized the event. Leasco in 1973, especially financial services and insurance services associated with computers to reflect the corporate strategy of Reliance Group, Inc., and changed his name. New insurance subsidiaries Commonwealth Land Title Insurance Company (c. 1976), Reliance Insurance Company of New York (1978), Reliance Lloyds (1980), including the selected specialty lines, including the company expansion was spawned. In 1980, the expansion includes a number of new life insurance companies. During this period of expansion and diversification of Reliance Insurance Company, including personal automobile and homeowners a lot of people are familiar with the standard lines of insurance, the most busy.
In 1981, Steinberg, Chairman of the Board and Chief Executive Officer, Reliance Group, Inc. As a result, the company is now private Steinberg and his family purchased all of the outstanding shares. In 1986, however, the company again Steinberg, a public sale of its shares by almost 20%, and save the rest of his family.
the value of the company's stock due to the 1987 stock market crash affected by the hurricanes in 1980, the vast majority of claims arising from its underwriting results and a decline following the 1989 San Francisco earthquake. All, however, believe that the growth strategy and surety reinsurance, including more and more into the insurance markets continued to expand. Beyond the expansion of its insurance market, the Reliance Group developed in other areas of the business; Among them, Reliance Development Group, Inc. real estate operations, and Reliance Consulting Group, energy, the environment and natural resources for consulting services. The company expanded through the purchase of start-up and the area was soon sold off other interests. 1989 Days Corporation, the owner of the Days Inn hotel chain, the company's sales, more than its initial investment in 1984.
1998-2001 "collapse"
This time out, though, the brother of Saul Steinberg, Robert Steinberg, and his financial empire in 1995, Active control of a stroke. Reliance on insurance changes towards more targeted had been established, and for a while it looked as if it was the heyday of the company. a long time ago grew weary, Saul Steinberg approval of the company. RGH stock record. In March 1999, the filing of its 1998 annual financial statement capital of the company in a $ 1.7 billion surplus, the largest in the history of the profit for this year and $ 585 million.Within less than three years, however, liquidation of the Commonwealth Court of Pennsylvania Reliance order of the court. The company Reliance only $ 359 million dollars in the stock Leucadia National agreed to be purchased by early 2000, another $ 198 million in 2000, net income of $ 177 million in 1999 and lost. Price to believe he reached the top of the market value of $ 2.3 billion.The deal, but since the middle of 1998 to $ 1.941 billion, market capitalization of damage representative of Leucadia National backed out of concerns over the financial health of trust because when you fell through.
Pennsylvania insurance regulators in 2001 in an effort to save the company, but by October 3, 2001 after the terrorist attacks of September 11 of that year, the financial markets are weakening, Pennsylvania Insurance Commissioner Diane origin, contact the company liquidated. According to the Insurance Information Institute, the largest insurance company in US history, the end.
In turn, such as the volume and speed of the collapse of confidence in the morning hours as an insurance rating agencies, causing uncertainty insurer A (Strong) rating in June 2000 as a (good) A- and Standard & Poor's `reefs financial strength of the best Co.,. [5] rating agencies, however, played an integral role in the company's collapse. once in the morning the best part of the parent company's senior debt, downgraded the rating of trust in June 2000, Reliance Group Holdings, Inc., Reliance ability to attract and retain business caused by the sudden collapse of an inevitable factor blow.Another treatment complex insurance pool Unicover called workers' compensation policy, which is very expensive failure. Unicover, however, will eventually lead to the death of the company's corporate mentality and philosophy is just one example of the dangers. expansion and growth of his passion, cheaper policies; excessive dividends paid shareholders (mainly Steinberger themselves); and the company was mismanaged. [4] As a result, he failed.
2001 - the current "termination"
October 3, 2001, the liquidation order of the court, the Pennsylvania Insurance Department, the full extent of the distribution of the company's liabilities and the solvent is a long, complex process and trust estate, control over its assets. At the same time, the fall of the legal activities of the company for negligence and breach of their duties of guardian against former officers and directors of the company. a precedent-setting nature of the efforts of faith in order to offset the obligations of the company and contributed to a better understanding of what the problems of settlements, as well as about $ 100 million.
a lot of claims against the policy of liquidation of the company's performance in various state insurance guarantee funds, the provisions of the charter. [8] a claim responsibility for a state guarantee association depend on several factors insurance companies licensed to do business in the state and not particularly helpful. for the loss of other insurance [9] the amount of the assets of the policy, the claim date and other variables also play a role accept the claim of a guarantee fund. a guarantee of payments made by the association as a result of their value for the measurement of almost any policyholders.By insurers licensed to do business in the state will be assessed against the objections was the liquidation of the largest in the history of the Reliance Insurance:
Companies
Reliance Insurance Company in 1968 and changed her name Leasco in 1973 to help a group Leasco. Reliance Insurance Company, in addition to various times owned by Reliance Group, the following corporations:
Commonwealth Land Title Insurance Company
Commonwealth Mortgage Assurance Company
Commonwealth Relocation Services, Inc.
General Casualty Insurance Companies
Herbert W. Davis & Company
RCG International, Inc.
RCG / HAGLER Bailly
RCG / Moody Tottrup
RCG / Human Sciences
RCG / Vectron
Reliance Development Group, Inc.
Reliance Direct Insurance Company
Reliance National Insurance Company
Reliance Reinsurance Corporation
Reliance Standard Life Insurance Company
Reliance surety company
Telemundo Group, Inc.
Transamerica Insurance Company
United Pacific Financial Services
United Pacific Life Insurance Company
United Pacific Reliance Life Insurance Company of New York
Werner International, Inc.
Advertising and Marketing
for many years to believe the company's slogan "Quality is our policy. However, the activities of independent insurance agents, brokers, aimed at the public via the company engaged in relatively little advertising for the most part. Therefore, as a result of the company undertake more mass marketing of equal size are known as some of the other insurers. in 1970 the trade publication ran a Reliance, so sexist by today's standards it was fun to be back. (You can choose to rhinitis in the figure) Insurance agents a full page ad, featuring the catch phrase "We have a girl for you!" and the attractive young woman, described "claims service representative." the woman's anatomy to direct the reader to a wide variety of materials and approve any help dealing with claims agent. focused on the woman's forehead line caption, "in the brain. Our girls will be more than just a pretty face. They're all well trained. "Reads the caption line aimed at his ankles." You are not afraid of that ankle, but it is beautiful to look at. ", Reads the ad, 'If you have an accident, you did? A beautiful girl was not destined to chat with, think about this. " insurance agent will continue to encourage that, but I believe it just was not true, but every time the insurer, the insurance claims are often volatile and challenging business environment What was composed of mostly young women workers. The agent hands "more feminine", but only to maintain a relatively low wage costs.
Aetna Insurence Of American
Aetna, Inc. Is an American managed health care company, which sell traditional and consumer directed health care insurance plans and related services, such as medical, pharmaceutical, dental, Behavioral Health, long-term care and disability plans. Aetna is a member of the Fortune 100.
Members
Aetna offers health care, dental, pharmacy, group life, disability and long-term care insurance and employee benefits, Primarily through Employer-paid (fully or partly) insurance and benefit programs, and through Medicare. Membership numbers: (as of June 30, 2013) [citation needed]
22 million medical members
14.3 million dental members
13.8 million pharmacy members
13.609 million group insurance members
1,000,000+ health-care professionals
597,000+ - primary-care doctors and Specialists
5,300+ Hospitals
Lobbying and campaign contributions
Aetna has spent more than $ 2.0 million in 2009 on lobbying.The company spent $ 809,793 between January 2009 and the end of March 2009, up 41 percent from the empty period in 2008. Aetna's campaign contributions include more than $ 110,000 to US Senator Joe Lieberman (ID -CT) in 2009.From 2005 through 2009, Aetna contributed $ 56,250 to Sen. Max Baucus (D-MT), chairman of the Senate Finance Committee, making Aetna Contribute to the Senator's seventh highest over that time period.Quality of Care
In the California Health Care Quality Report Card 2011 Edition, Aetna received 2 out of 4 stars in Meeting National Standards of Care and 1 out of 4 in Members Rate Their HMO.In the California Health Care Quality Report Card 2010 Edition, [8] Aetna received 3 out of 4 stars in both Meeting National Standards of Care and How Members Rate Their HMO, for a rating of "Good" (out of the "poor," "fair," "good" or "excellent").
Current leadership
Mark Bertolini became the CEO of Aetna on November 29, 2010, and chairman on April 8, 2011.
Karen S. Lynch (Rohan) is the President of Aetna.
Steven B. match is Executive Vice President of Corporate Affairs and Chief of Staff to the CEO and Chairman Mark Bertolini.
William J. Casazza is Executive Vice President and General Counsel.
Richard di Benedetto is Executive Vice President in charge of Aetna International.
Deanna Fidleris Executive Vice President in charge of Human Resources.
Shawn M. Guertin is Executive Vice President, CFO and Chief Enterprise Risk Officer.
Dijuana Lewis is Executive Vice President in charge of Consumer Products and Enterprise Marketing.
Meg McCarthy is Executive Vice President of Operations and Technology.
Harold L. Paz, M.D., inSwedenand. is Executive Vice President and Chief Medical Officer.
Frank S. Soistman is Executive Vice President in charge of Government Services
Joseph M. Zubretsky is Senior Executive Vice President in charge of Healthagen.
Operations
In 2005, the company had $ 1.1 billion in earnings. Aetna's 2007 Revenue, reported in 2008, was $ 27.6 billion. Aetna's 2008 Revenue, reported in 2009, it was $ 31 billion. Aetna's 2012 Revenue, reported in 2013 was $ 35.54 billion.
History
Aetna is the direct descendant of Aetna (Fire) Insurance Company of Hartford, Connecticut.The name was a means to invoke Mount Etna, at the time Europe's most active volcano.
1810
1819 Henry Leavitt Ellsworth, Yale graduate and attorney, becomed the second president of Aetna (Fire) Insurance Company Succeed Thomas Kimberly Brace. Ellsworth, who later became the first U. S. Patent Commissioner, served as Aetna's president for two years until 1821, when he resigned, but Ellsworth continues as a director for another 16 years. Ellsworth's brother, William Wolcott Ellsworth, also served as a director, as well as the company's first General Counsel.1850
1850 Aetna began operation of an ANNUITÄT Fund to sell life insurance, choose Hartford, Connecticut judge Eliphalet Adams Bulkeley, who was a General Counsel to the company and on its board of directors, to head it.At the time, some church leaders and others believes life insurance was sinful.1853 The ANNUITÄT department separated from the Aetna Insurance to be incorporated as the Aetna Life Insurance Company, with Eliphalet Bulkeley as president.
In 1854, Aetna hires its first full-time employee, Thomas O. Enders, later to become company president.
1857 Aetna moved to new offices on Hungerford and Cone Streets in Hartford. The Panic of 1857 struct Hartford and the nation, today the closing of all but one bank and many other businesses. Eliphalet Bulkeley blocked a move to liquidate the company during the Economic downTURK.
The Aetna Insurance Company issued life insurance policies on an undetermined number of African-American slaves, naming their owners as beneficiaries.
1860
1861 Aetna began offering participating life insurance policies which paid dividends to policyholders did just as the mutual life insurance policies. Aetna launched its new product with a promotional effort including higher Commissions for its agents while most companies were cutting back due to the Outbreak of the American Civil War and the consequent loss of premium payments from the Southern policyholders. However, the death toll of the war coupled with the boom wartime economy caused an expansion of the life insurance business to match Aetna's expansion.By 1864 Aetna in 1865 had increased its volume of business by 600% over 1861 and its annual premium income ninefold exceed one million dollars. As a result, Aetna Possessed the financial stability and resources it needed to meet the Stringent Regulatory requirements placed on life insurance companies in Massachusetts and New York; by 1865 the company was authorized to supply soliciting business in these States.
In 1867, the company income rose from $ 78,000 in 1861 to $ 5,129,000 by 1867. Aetna moved to its third home office at 670 Main Street, Hartford. By 1924, Aetna had $ 94 million dollars, 43% of its assets invested in farm mortgages.
Aetna in 1868 altered its business Practices, hiring its first actuary and abandoning the half-note premium system in favor of an all-cash premium plan.
1870
A. 1872 Eliphalet Bulkeley died and Thomas O. Enders became president.In 1878, Aetna increased its capitalization from $ 150,000 to $ 750,000.
In 1879, Enders' Failing health forced him to ResiGo and Eliphalet Bulkeley's Morgan G. Bulkeley replaced him.
1880
1888 Aetna front outgrew its offices on 670 Main Street in Hartford and purchased its fourth home office, next door at 650 Main Street; the first building Aetna actually owned, and Aetna's home office for the next 42 years.1890
Aetna issued its first accident policy in 1891, purchased by Morgan Bulkeley Himself.Aetna in 1892 held its first general agents conference in Chicago.
Aetna in 1899 became one of the first publicly held insurance companies to enter the health insurance field.
1900
Aetna in 1902 created an Accident and Liability department to offer employers' liability and workmen's collective insurance, in reaction to the Growing Strength of the Progressive Social Reform Movement. This would become the cornerstone of the Aetna Accident and Liability Company.An Engineering and Inspection Division was created in 1903 to improve workplace safety.
Aetna in 1904 introduced its first corporate seals, conveyors Aetna's status as the largest life insure in the world writing accident, health and liability coverage; the logo portrayed the company's home office bursting out from within a global, with larger block typeface spelling out Aetna's ranking.
Created in 1907, Aetna Casualty subsidiary to handle items such as automobile property coverage; Aetna soon began aggressively expand into related lines such as collision and damage. This business developed into the Aetna Casualty and Surety Company.
1908 Aetna hires its first home office female employee (Julia Kinghorn, operator telephone switchboards), the first of what has become more than a two-Thirds of Aetna's employees.
1910
Under the management of E. E. Cammack, 1910, Aetna began using Hollerith punched card machines for tabulating and hires 35 women to input mortality statistics on Keypunch machines, the company's first female home office clerks.1911 Aetna began its first national advertising campaign. The empty year, Aetna Formed a bond department to marketing, Fidelity and surety covers.
In 1912, Aetna introduced the first combination automobile policy, with several separate types of coverage combined into one contract. Several Aetna insureds were killed on the RMS Titanic.
Aetna Formed in 1913 with its second affiliate, the Automobile Insurance Company, to write fire insurance on cars. This soon expanded to include windstorm, tornado, and ocean and inland marine insurance leasehold. Aetna Group Formed a department to sell group life insurance, one of the first Insurers to do so; the first step towards Aetna's current health care business.
The 1960s
In 1960, Aetna expanded outside the U. S., buying a Canadian company, Excelsior Life Insurance Company. In 1968, it bought a Majority interest in the Producer's and Citizen's Cooperative Assurance Company of Sydney, Australia. In 1981, it bought a 40 percent interest in two Chilean companies, and soon thereafter invested in Ventures in England, Spain, Hong Kong, Taiwan, Indonesia and Korea.The 1970s
Aetna's 1970 Pension Casualty and Life Division under the direction of B.E. Burton, President and Lead Actuary, saw a billion-dollar growth in the post-melting pension administration segment that is placed Aetna in the top 5 of the global pension and investment Asset Management and recordkeeping firms in the world, with over $ 11.8 billion (US) in new sales and assets under management during the decade.
1990
Between 1996 and 1999, Aetna initiated a series of company acquisitions. In 1996, Aetna acquired in U.S. Healthcare, founded in 1998 by Leonard Abramson.In, Aetna bought NYLCare Health Plans for $ 1.05 billion, adding 2.2 million members. The next year, it bought Prudential HealthCare for $ 1 billion, making it the largest provider of health benefits in the U. S., with more than 21 million members. The company spent more than $ 20 million that it received in fees and Premium from customers to Revamp its computer systems, enable the company to identify and discontinue unprofitable accounts. With this new and extensive information about policyholders, new management, and a shift in strategy, Aetna Sharplan raised Premium on less profitable accounts. Within a few years, Aetna shed 8 million covered lives due to the premium that customers could no longer afford.2000
2000 Aetna Hires John Rowe as CEO and executive chairman. Rowe cut approximately 15,000 jobs and raised insurance Premium by 16 percent per year. He also shrunk Aetna's customer base from 19 million members to 13 million by abandoning unprofitable markets, including almost half of the counties in which it is offered Nationwide, Medicare products.Aetna in 2000 into its financial services and international businesses to ING for $ 7.7 billion, and spun off its health business to its Shareholders, Northern focuss on its business as an Independent health and group benefits company.
In 2001, Aetna recruited a global public relations and marketing executive, Roy Clash, Jr. Leading to the companies reputation management strategies during Aetna's multi-year corporate turnaround campaign.
In 2006, John Rowe ended his 65 months as CEO and executive chairman of Aetna; During his tenure, the former Harvard geriatrician earned $ 225,000 a day (including Sundays and holidays).
In 2007, Aetna chief medical officer Troy Brennan told the Aetna Investor Conference that "The (US) healthcare system is not timely." He cited "recent statistics from the Institution of Healthcare Improvement ... that people are waiting an average of about 70 days to try to see a provider. And in many Circumstances people initially diagnosed with cancer are waiting over a month, which is Intolerable. "
Aetna acquired in 2007, the plan is the operator Schaller Anderson in July, signaling a push into the growing business of running the plan for Medicaid and the State Children's Health Insurance Program.
2008 Aetna CEO Ron Williams received $ 38.12 million in compensation - the highest annual compensation in the insurance sector and the 22nd-highest compensation of all American CEO.
2008 Aetna began offering Pet Health Insurance in Alabama, District of Columbia, Idaho, Iowa, Montana, North Dakota and Texas, with plans to quickly expand to all 50 states. "As the new Underwriter for Pets Best policies, we look forward to working closely with Pets Best and the AVMA Ghlin to extend the reach of the PET insurance industry to bring trusted, affordable Pet Health Insurance products to Pet Owners Nationwide," said Gretchen Spann Aetna's head of PET insurance.
Aetna's 2008 2008 Revenue, excluding net Realized capital losses, increased 14 percent over 2007 to $ 31.6 billion.
2009
Through June 30, Aetna took in $ 14 billion in premium: $ 10.7 billion of that amount from employers and employees, $ 2.9 billion more from Medicare Recipients who bought a supplemental insurance plan to cover the gaps in what Medicare covers, and Another $ 400 million for handling the Medicaid claims. Aetna reported that it paid out $ 11.9 billion in health care reimbursements and $ 2.3 billion in administrative expenses (20 percent).On September 22, more than 200 people gathered in front of Aetna's Hartford headquarters to call for a public health insurance option they said is essential to true on National Health Care Reform. The insurance industry, including Aetna, has opposed a public option.
On October 2, the Connecticut Attorney General Richard Blumenthal and Healthcare Advocate Kevin P. Lember asked Aetna and four other insurance companies for information the companies may have sent policyholders regarding the impact of proposed Legislation on Medicare Advantage and prescription drug programs. According to Blumenthal, some insurance companies have exaggerates or Stretched the impact of health care reform.
On October 27, Aetna stock values shot up when US Senator Joe Lieberman of Connecticut broke with the Democratic caucus that he is a member of and Vocal to join a Republic-led filibuster if the public option was not removed from the Senate's Health Care Reform Bill.
On October 30, Aetna reported a third quarter profit increase of 18 percent.
On November 3, the US Senator Tom Harkin, the chairman of the Committee on Health, Education, Labor and Pensions, launched an investigation into health insurance pricing, asking Aetna and three other major Insurers to justify their pricing Practices. The investigation began after small business owners testified before Harkin's Committee that skyrocketing Health Care Premium were severely hurt their livelihoods.
On November 19, Aetna Announces off the layoff some 3.5% of its Work Force 625 employees now and a similar number of reductiondan early next year. The current cuts include 160 jobs in Connecticut. "Streamlining our business now will enable us to improve our competitiveness and redirect resources to areas with a greater potential for future growth," said Aetna CEO Ron Williams.During the third quarter of 2009, Aetna earned $ 326.2 million, or 73 cents per share . That represents an increase from $ 277.3 million, or 58 cents per share, in the empty quarter last year.
On November 30, Aetna CEO Ron Williams told analysts that Aetna would increase prices in 2010 and Force 600,000 to 650,000 Aetna customers to drop their coverage. Aetna President Mark Bertolini justified the move as "ensure that each customer is priced to an appropriate margin." Aetna Chief Executive Ronald Williams owns 7.6 million Aetna stock and options.
On December 7, Aetna file a $ 4.9 billion correction to its 2008 health insurance regulatory filings. The new filings show that Aetna Spender less on small business health care than previously reported. "Health insurance companies have a duty to provide accurate financial information both to consumers and to their regulators about how much money they actually spend on health care and how much they spend on owning an executive salaries, and on figure out how to Deny care to people When they really need it, "said Senator Jay Rockefeller, Chairman of the US Senate Committee on Commerce, Science, and Transportation. "Unfortunately, it looks like Aetna and other Health Insurers have not been taking this duty very seriously. I'm disappointed that my Committee had to launch a full-scale congressional investigation to get these companies to meet their basic reporting OBLIGATIONS." [40 ]
On December 14, Aetna stocks rose dramatically after U. S. Senator Joe Lieberman of Connecticut threatened to filibuster the Senate health care reform bill if it included a Medicare buy-in proposal.
December 29: Aetna Chief Executive Ron Williams owns approximately 7.6 million Aetna stock and options. The price gain for Aetna stocks of $ 8.50 from October lows to December 29 adds at least $ 37 million in value to Williams Holdings.
2010
On February 3, Aetna laid off more than 100 Connecticut workers. This follows the lay off of 160 Connecticut Aetna employees in November 2009.On February 6, 2009, Aetna reported fourth-quarter net income of $ 165.9 million, or 38 cents per share, on $ 8.69 billion in Revenue.
On April 30, Aetna Announces a 29 percent increase in net income for the first quarter of 2010 compared with the empty quarter a year ago, as the insure benefited from higher investment income.
In April, Aetna notified policyholders that it was in a contract dispute with Continuum Health Partners and that its contract with Continuum Health Partners would lapse as of June 5, 2010. Continuum Health Partners comprises five major New York City hospitals: Beth Israel Medical Center, Roosevelt Hospital, St. Luke's Hospital, Long Island College Hospital and New York Eye and Ear Infirmary. The June 5th date passes and the contract lapsed, an outcome that could mean much higher costs for thousands of New Yorkers.Aetna is obligated in its contract with doctors to retain those doctors in the network for a policyholder for a period of a year or until the expiration date of the policyholder's contract, whichever comes first. Aetna did not inform policyholders of this fact. Continuum Health provided a form to policyholders to make this request.U. S. Senator Kirsten Gillibrand has asked executive of Aetna and Continuum Health Partners to re-enter negotiations, saying, "I Urge You to re-enter negotiations on a new three-year agreement for reimbursement rates, for the sake of the patients that need health coverage. "In July, the Faculty Union of Pratt Institute, the United Federation of College Teachers Local 1460, prepared a letter to Aetna express their unhappiness over the termination of the contract.
In June, Crystal Run Healthcare, a 170-doctor group practice in Orange County, New York and Sullivan County, New York, Announces that it would terminate its contract with Aetna on July 31, 2011. Crystal Run stated that, "Aetna proposed to pay us significantly less than other commercial Care Health Plans with whom we contract. Despite good faith efforts, we can not come to an agreement at this time. We want to afford every opportunity to our patients to make informed Choices regarding their health care coverage. "Aetna replied," It is extraordinary that a responsible physician group would alarm patients in this manner more than a year before there could be any impact to those patients. "
On July 27, Aetna reported that its second-quarter profit rose 42 percent, as the percentage of Premium The company spent on medical care fell versus a year ago. The insure earned $ 491 million, or $ 1.14 a share, in the three months ended June 30. That compares with net income of $ 346 million, or 77 cents a share, in the empty period last year.
On September 9, Aetna Announces that it would Demollari its 1,300,000-square-foot (120,000 m2) structure in Middletown, Connecticut that once housed approximately 5,000 Aetna employees on a 261-acre (1.06 km2) campus. Aetna has not said exactly how it will redevelop the site, although a data center currently located there will remain Regardless of future plans.
2012
In June 2012, Aetna and Inova Health System Announces a joint venture by creating a new health insurance company, Innovation Health.
2015
On July 3, 2015, Aetna Announces that it will acquire Human Rights for US $ 37,000,000,000 in cash and stock, or US $ 230 a share.Aetna and Human Shareholders will own 74% and 26% of the new combined company. The acquisition is subject to United States government approval and is expected to close in late 2016.Acuity Insurance Of United States
Sophisticated Insurance in Sheboygan, Wisconsin headquarters with the insurance company. The company's 62 largest insurer in the United States.
Current business performance
Sharpen, 24 consists of 1000 revenues of $ 1.2 billion through an independent body that manages over $ 3.5 billion in assets and employs more than 1,200 people. Sharpen the morning hours of A + (Superior) is rated as the best and the Standard and Poor's rating of A +.
History of the Company
(Sheboygan County Franklin unincorporated village) in 1925 as Herman Mutual Auto Insurance Company. The name of the company in 1960 and in 1957 moved to the city of Sheboygan, Wisconsin in 1953, Auto and heritage changed to a mutual insurance company, and soon came under the chairmanship of lawyer John R. Holden. Holden retired from the presidency in August 1999, the company moved to the present location in 1984 and 2001, known as the acuity of insurance.additional facility of 262,000 square feet (24,300 sq ft) and is approximately 20,000 square feet (2,000 sq ft) of space renovated in 2004 and opened its headquarters in addition to the $ 39 million.
Awards
Sharpen list "For® Fortune 100 best companies in 2015 ranked # 3. Precision is also working with the Institute for the United States in 2004, 2010, 2011, 2012, and named best mid-Size company to work in 2013, and ten years in a row is the only company in the nation to be named the institute for five mid-sized companies. Precision Ward, 16 consecutive years, Inc. . is recognized as one of the Top 50 best-term insurers. ten consecutive years.ACUITY Excellence by the national Association of Professional insurance Agents 2001 national Award for the acuity of the most innovative technology companies as the InformationWeek 500 list.Flag
Sharpen the United States on July 2, 2005, the tallest flagpole raised steel column of 338 feet (103 m) tall and 6 feet (1.8 m), a wide base (flag ) had a weight of 65 tons, and was drowned 40 feet (12 m) deep and 8 feet (2.4 m) wide and 550-ton block of concrete with steel bars. the flag 60 feet (18 m), or 7,200 square feet (670 m) by 120 ft (37 m). In each 3 feet (0.91 m), and each lane was 4½ feet wide. . 300 pound weight [3] This flag and the stand is the 150-foot (46 m) The flag pole above the previous record of consciousness, June 2, 2003 outdid the flag raised. Oddly enough, the new column is actually changing; In addition to the old pole scarf near Interstate 43, developed a new stand down due to high stress and change of the wind and the lift longer supported highway.A to 80 feet per minute (24 m), placed the flag at the flag i reached the top of the Star Spangled Banner as the ends of the pole, so that, regardless of the wind conditions, and to be synchronized. October 4, 2007, the flag pole on top of the case to change a light bulb torch to allow for the marker has been restored. flag, and for the most part, a flag is still flying, April 7, 2008, 4 April 2008, expired at relatively low wind speeds significantly swayed. April 8, 2008, after the elimination of the ball, and the entire pole was removed.
In April 2014, the acuity of the nation's largest flag pole attempt as the annual Fourth of July, a wind turbine manufacturer in Manitowoc by Broadwind Energy 400 feet (120 m) terminal to be built in this time. Flag of Cedar Grove, 11 miles (18 km) south of the greater weight and polar structure is designed to be visible from the strengthening of the LED lighting system, 120 feet (37 m) X60 feet (18 m) o lchash up. The new flag column tall, 400 feet (120 m). 60 ft (18 m) flag by 120 ft (37 m) in 2014 at the bottom of the pole 11 feet (3.4 m) spanning base, for the first time on May 22.
In November 2015, the acuity of 70 feet (21 m) with a flag 140 feet (43 meters) began to fly. covering nearly 10,000 square meters profoundness of the new flag, stripes 5 feet high and about 3 feet in diameter, features the stars. flying, but 340 pounds dry weight, nylon flag memory 72 cubic feet. Flag of the world's largest free flying the American flag.
Fortune
“Have Fun” could be a core worth at this property and casualty insurance firm. Four Ping-Pong tables and a popcorn machine sit outside their eating house. Their summer family picnic is packed with rides, $250 door prizes, Associate in Nursing adult casino and human foosball (a full-size version of the popular table game). The lucky winner of dominating beano left the pageant with $5,000. Selfie days and beach bashes move with high salaries (an average of $16K higher than trade average) and generous advantage will increase. Their Sheboygan headquarters boasts the country’s largest flagpole at four hundred feet. scan the nice Place to figure reviewed.BBB certification
A BBB licenced Business since 2/28/2001BBB has determined that Acuity, a Mutual underwriter meets BBB certification standards, that embody a commitment to create an honest religion effort to resolve any client complaints. BBB licenced Businesses pay a fee for certification review/monitoring and for support of BBB services to the general public.
BBB certification doesn't mean that the business' product or services are evaluated or supported by BBB, or that BBB has created a determination on the business' product quality or competence in activity services.
ACE Limited Insurance Of Switzerland
Zurich, Switzerland, including Chubb Limited, Chubb, property and casualty, accident and health insurance products, including life insurance and reinsurance, a global provider parent company. ACE 54 countries and areas in London and the Lloyd's insurance market. Chubb customers seeking insurance coverage multinational corporations and local businesses, individuals and insurers.
In 2014, a group of assets of $ 98.2 billion, gross written premiums were $ 23.4 billion NYSE trades about 21,000 employees.ACE and is part of the S & P 500 Index. Its principal operating insurance companies, agencies have a stable outlook by A. M. Best financial strength by Standard & Poor's and "A ++" (Superior) (Very Strong) "AA" rated. financial strength Fitch rates ACE Limited and its subsidiaries, the "AA" (Very Strong), the largest debt.Moody rates for the issuer's default, and "A +" to "AA-" Company "A1" and the risk of credit notes "A3".
July 1, 2015, ACE cash and stock to $ 28.3 billion purchase of Chubb Corporation.
ACE Chubb in the office of Warren, NJ, the combined company's North American headquarters for the department promised that it would be a big part of the function. More importantly, the name of the combined company Chubb. Until the end of the transaction is expected in the first quarter of 2016, it is business as usual, and Chubb and ACE will continue to operate as two separate and competitive company.
Business structure
ACE through a number of operating units of insurance and reinsurance products and services.North America
ACE US commercial property insurance and casualty (P & C), risk management and accident and health (A & H) guarantees through retail brokers. ACE agricultural agents, brokers, agriculture and agribusiness offers P & C insurance. ACE Westchester commercial P & C and wholesale brokers through surpluslines. ACE Bermuda responsibility through international brokers, wealth, and political risk coveragesand captive programs. ACE Private Risk Services through independent agents and brokers offers high value of personal lines insurance. ACE Commercial Risk Services agents and specialty business insurance through brokers.International
ACE International commercial P & C, A & H and retail brokers, agents and other channels in 51 countries in North America through traditional and specialty personal lines. ACE Global Markets and commercial P & C offers excess and surplus lines sold through wholesale brokers and Lloyd's A & H in North America in 2008, was purchased by Ace Combined Insurance, personal accident and health through captive agents insurance.Reinsurance
ACE Tempest Re reinsurance brokers with worldwide sales of P & C and Life reinsurance.ACE Life in Asia, Latin America, the Middle East agents, banking and insurance and other channels, protection and savings products. Combined insurance and personal accident captured by agents in North America, selling more health insurance.
History
1985-1999
ACE Limited was established in 1985 and funded by a group of 34 US companies are looking for hard-to-excess liability and directors and officers (D & O) insurance coverage.That years, ACE and its subsidiary in Bermuda, the Cayman Islands, in particular, and is located in Hamilton, Bermuda, and its President and chief Executive Officer John wrote the first insurance policy. In 1987, ACE Bermuda to expand the product line of the company, corporate officers and directors Assurance Limited (Coda) management responsibility.
ACE Walter Scott in 1990 as chairman, president, and CEO of Ace and Brian Duperreault in 1993, the New York Stock Exchange, the company's chairman, president and CEO Scott saw the success of the last decade, in 1994 a number of years to purchase and during this time a number of companies that bought ACE group is a global corporation known as the process of diversification brought status.One INA Cigno (most significantly in North America insurance company, a global property and casualty) was purchased in 1999 for $ 3.45 billion.
2000-2014
In 2004, Evan G. Greenberg, insurance broker Marsh & McLennan to participate in the bid rigging and price fixing scheme investigated by the New York Attorney General Eliot Spitzer ACE Ltd. In 2004, ACE's President and CEO.
In 2008, the ACE of $ 2.56 billion, Aon Corporation (founded in 1919 by W. Clement Stone), accident and health insurance provider Combined Insurance Company bought the Atlantic and high-net-worth personal lines business.
In addition, in 2008, Ace moved to the Cayman Islands to Zurich, Switzerland. Evan Greenberg was a natural progression for the Ace, "" better strategic flexibility and a strong regulatory environment "described try to come to an end in July this year. [21]
ACE company in 2010, ESIS, Inc. the processing of claims by the victims of the Deepwater Horizon oil spill has been hired by BP.
In 2010, ACE Limited, $ 1.1 billion of rain and hail, LLC. Rain and Johnston, Iowa Hello, insurance service, insurance is an industry leader in the United States.
In 2010, ACE Limited, New York Life to buy Hong Kong and Korea life insurance operations.
In 2011, ACE Limited acquired firms insurer Penn Millers.
During the year 2012, they bought the Indonesian insurer Asuransi Jaya Proteksan.
In 2013, the Mexican surety Lines Company Fianzas Monterrey and the Mexican Personal Lines Insurer ABA Seguros.
In April 2014, ACE Limited, Siam Commercial Bank Siam Commercial Insurance Samaggi bought a majority stake in the PCL. In June 2014, following a tender offer, ACE and its local partner Samaggi ownership of 93.03%.
In October 2014, ACE Limited Itauna Unibanco Holding SA acquired the largest commercial property and casualty business. deal in Brazil's largest property and casualty insurer Ace.
In April 2015, ACE Limited, the US $ 365 million from Allianz Fireman's Fund acquired the high net worth personal lines insurance business. ACE Private Risk Services in the United States is one of the largest insurers of high net worth
July 1, 2015, ACE ACE of $ 28.3 billion in stock and cash purchase of Chubb Corporation. Chubb shareholders will receive 30% of the combined company after the completion of the ACE shareholders will hold 70%. ACE Limited's head office is located in the new company will be based in Zurich, Switzerland. Chubb Chairman and CEO John Finnegan North America Executive Vice-Chairman of the Foreign Affairs Ace Evan Greenberg, chairman and CEO of the new company. the company's board expanded to 18, with 4 coming from Chubb. the name of the new combined company Chubb. This contract Ace and Chubb shareholders' approval and regulatory approval, is expected to close in the 1st quarter of 2016.
ACE under investigation
In 2004, Eliot Spitzer investigation
In 2004, the New York Attorney General Eliot Spitzer conducted the investigation in the field of insurance. ACE, American International Group (AIG), Marsh & McLennan, and other major insurers and brokerages may be contingent commissions, bid-rigging, price-fixing and pay for the wrong account, including questionable insurance Spitzer investigation were announced to participate in the practices.
Spitzer amount of commissions for brokers offer the highest commissions paid by the insurance company with the special conditions less favorable to the consumer than solicited fake bids, "bid-rigging" emphasizing that it contributed to the widespread practice.
further investigation clicked on a $ 80 million settlement as part of the ACE behavior is recognized and agreed to change their business practices before they signed a precarious finish. the execution of criminal charges even though Evan Greenberg argue he admitted no fault in Spitzer's allegations. [40] [41]
In addition to the insurance industry, Spitzer probe further 16 members of reinsurers SEC reports, ACE, Ltd. is a subsidiary of reinsurance transactions entered into a number of ACE Tempest Re in a report early in 2005. Evan Greenberg's company, the investigation should be completed within a month, he said. According to Greenberg, the agreements "provide for appropriate risk are often created." [42]
Spitzer research, as well as bid rigging and became a victim of the schemes of the commission by the insurance claim was a civil matter. [
21st Century Insurance Of California
21st Century Insurance auto insurance company and full Companies® by Farmers Insurance Group. They are located in Wilmington, Delaware, Hawaii and California and the states, the private passenger auto insurance.
Since 1958, 21st Century Insurance customers, while helping them save money on auto insurance coverage and superior service. 21st Century Insurance Companies®, cars, homes and small businesses, and also part of the leading US insurer Farmers Insurance Group provides a wide range of other insurance and financial services products. Farmers Insurance through more than 50,000 exclusive and independent agents in more than 20 million individual policies across all 50 states and more than 24,000 employees and serves more than 10 million households. If 21st.com mobile car insurance quote on our web site, our iPhone app for the 21st century, or by talking to one of the insurance professionals get the satisfaction you can expect the best service and coverage obligations.
auto insurance information, including tips on how to save money on car insurance, online claims filing and safe driving tips and general information on auto insurance quotes on resources.
No one ever thinks he's going to face them. But the simple truth is, in a car accident in the United States every 18 seconds. Even with the most careful drivers they can find one.
You can not predict the future, but in the house of your vehicle with auto insurance.
most countries, it is important for drivers to find your state's minimum requirements so that they have at least the minimum coverage auto insurance. However, many of the drivers in order to protect themselves more than the minimum coverage requirements.
Auto Insurance?
Simply put, auto insurance is a safety net. That you are willing to pay a premium to an insurance company with the contract and in case of an accident, the company of your own car insurance policy, you are covered for damage to 'lov.
The terms "award, and when shopping for car insurance is important to familiarize yourself with the deduction.
The insurance premium on your insurance company a certain amount of money charged for a policy.
Your deductible if the damage occurred as a result of an accident if the amount of money belongs to. If the principle of auto accidents and damage as a result of a $ 100 deductible to $ 500, for example, you will be liable to pay a total compensation of $ 100.
If other means of transport, which is responsible for accidents or damage, insurance in general, and for those injured in the accident repair, including legal fees and medical expenses coverage. Insurance policy, as well as cover the cost of the car will be stolen or vandalized.
Claims Services
21st century insurance claims by farmers served by HelpPoint services. Farmers HelpPoint as part of a family of companies experienced claims specialists available 24 hours a day, 7 days a week, 21st Century Insurance customers and serves as a popular claim. In case of a disaster, our education and the provision of specialized disaster teams on the scene ready to serve. We need to help get you ready for all auto claims.The claim filed after independence Farmers Circle
If you go back to our reliability program offers farmers Circle to help you get the car on the road. This program is guaranteed by the customer as long as you are the owner of the car fast service and high quality repair works as a nationwide network of more than 2,200 repair facilities are safe. Of course, you can always use the repair shop. the choice is yours.Business Environment Awards
21st Century Insurance about 2000 employees focused on delivering the best service to our customers. a positive and productive working environment with 21st Century Insurance is a great place to start a career or further. This is great for the environment award-winning results: we CONFIRMIT Ace Award five times.
History
21st Century Insurance is primarily an inter-insurance exchange offer auto insurance in California, was founded in 1958 by Louis W. Foster. Initially, the company called 20 Century Insurance. [1]after the company bought in 2005 by the AIG Companies® Farmers Insurance Group was sold in 2009.
21st Century Insurance makes a speciality of providing made-to-order car insurance for every and each client.
21st Century may be a proud a part of the Farmers Insurance cluster of Companies®, the third largest personal lines underwriter within the country. With over twenty five,000 workers serving twenty million customers nationwide, Farmers has been providing outstanding price and repair for over eighty two years.
21st Century Insurance
Same nice Coverage for fewer
Specialties
Personalized, skilled, Technology Savvy, All regarding The client
Website
http://www.21st.com
Industry
Insurance
Type
Public Company
Headquarters
3 Beaver depression Rd Wilmington, DE 19803 us
Company Size
5001-10,000 workers
Founded
1958.
Human Trafficking Laws In The States
Summary
Control of the people for the benefit of human trafficking and exploitation. As defined under US federal law, victims of human trafficking end up in children, and adults age 18 or coercion, or commercial sex acts that deceives those who are forced into forced labor, and no one on their own.Human trafficking has become a concern for many of the state laws across the country. This led to a proliferation of state laws; These laws are different ways to attack the problem. This document is a summary of the state of human trafficking each state. the laws established in the following six categories:
trafficking laws and increase criminal penalties
1 human trafficking, government commissions or committees and task forces to create a
2-laws
3-law to provide protection and services to victims of human trafficking Any false passport, immigration or other government document destruction, concealment, removal or possession of prohibited
4-law Threats to report the immigration status of a fraud built
5 Miscellaneous
To increase the legal penalty crime and trafficking in human beings
Alabama H 432 (2010)
human trafficking; it will be unlawful for a person by means of coercion or deception or the value of financial services, or to perform certain sexual activities that cause a person to request another person; penalties; the corporation was not aware of the actions of their employees or agents, if the exemption for a corporation.Arizona HB 2405 (2011)
Crimes related to human trafficking organizations, criminal judge, and the judge will not stop the trial or pardon a person convicted of this, will be judged worthy of being freed or commuted; Under certain conditions, a temporary exemption.Arizona SB 1059 (2010)
in the sex trade laws, fraud, force or power, transport and energy.Arizona HB 2238 (2010)
illegal trafficking addictive.Arizona SB 1281 (2009) (also refer to the destruction of the government Document)
a sex-free activities, including, though, and they all engage in prostitution or sexual, with the knowledge that expands the classification of sex trade trafficking. including the classification of trafficking in persons and expands the definition of forced labor or services.
Arizona HB. 1372 (A.R.S. §13-306) (2005) (also refer to the section Services of victims)
human trafficking and human trafficking. sex trafficking crimes committed against a person under the age of 15, as a dangerous crime against children.
Arizona SB 1338 nm (2005)
Such a qualification in a subsequent criminal offenses a prison sentence of 30 years for the crimes, and requires registered sex offenders for crimes that "15 years of age underage sex trafficking" addictive. registration is required and multi-family houses and the number of practitioners who have been living in the existing number of housing units is at least 10%, except for some offenders, a test for a registered sex offender prohibits the pleasure of living in countries with a population of more than 2,500,000 lives. sex offender registration requirements in (e) a person (they live in), and include the address of the residence.Arkansas S 222 (2010)
human trafficking for impact test and the conditions of parole.California AB 12 (2011)
The child tries of Commerce, Exploitation and Sexual Slavery Act of 2011 should be 18 years of age if you want to buy a prostitute or a prostitute who is responsible for the provision of sexual services, ordered to pay a fine of not more is needed the commercial exploitation of minors for crimes not exceed the amount specified for the funding of programs and services.California AB 22 (the Play Pen. Code §236.1) (2005) (also refer to the section Services of victims)
forced labor or services, or any other person who committed felonies or for maintaining the crime, and sentenced to state prison for 3, meaning a small penalty for the purposes of trafficking, organized crime, should be 4 or 5 years, or 4, 6 and 8 years.
Colorado SB 140 (2010)
Abolished and adult trafficking, child trafficking and forced slavery to force the changes to the rules relating to her; To prove the crime of child slavery and forced coercion use of force or fraud for the evidence to prove the crime or trafficking, trafficking in adults, requires evidence of the use of force or fraud; Adult sale of children, child trafficking, forced and involuntary slavery addictive.
Colorado HB 1123 (2009)
"Child," eighteen years, instead of six children by providing means any person who is under the revision of the provisions related to sales force and forced slavery. Child trafficking is a criminal offense is a Class 2. it is, I believe they will hurt a person to carry out the work using threats to cause damage or scheme if a person coercesBağımlılık a "forced slave".Colorado SB 206 (2006)
adult crime is a Class 2 offense of illegal immigrants, smuggling is not a crime in Class 3. Smuggling, and later, in exchange for money or remain in the United States or Colorado or illegal residence status to someone included in the offer. A separate crime against a people smuggler.Colorado SB 207 (2006)
Crime and Punishment increases in human trafficking. A human trafficking, money exchange or bartering for an adult (16 years or older), includes the sale of leasing. Human trafficking, as well as cash (section 1) include services for adults. a Class 3 crime results in the sale of any child under the age of 16.Connecticut SB 153 (2010)
establishes penalties for prostitution and exploitation of children in care.Connecticut SB 153 (53-394 et seq.) (2006)
trafficking or forcing others to work with people who engage in criminal and civil penalties. If there is such a tradition of operating under the regulations of smuggling a criminal case in connection with the crime and allow the state confiscation of property.Delaware HB 116 (§787) (2007) (also see Services)
trafficking in persons and federal laws patterned after the model of the Ministry of Justice of involuntary slavery a criminal offense.
250 (2006) Florida SB (see Services)
the crime of human trafficking. Threatened or forced to work to eliminate human trafficking for the purposes of immigration, including the destruction of documents.
Florida SB 1962 (Chapter 391) (2004)
the purpose of prostitution or sex trafficking for the purchase or sale of minors to 30 years in prison for anyone convicted of sex trafficking a crime in the first degree. two secondary committed felonies follows: forced labor; and, knowing that the purpose of forced labor or prostitution, trafficking for the sex trade and human trafficking is 15 years in prison for the crime of criminal punishment. Of death or the results of the first degree is a criminal offense committed against a person under the age of 14 sex trafficking activities.Idaho HB 235 (2011)
Criminal Gang Enforcement Act; term "criminal gang activity patterns in the definition of a child of a weapon, possession of a bomb or harmful device and the battery or sexual exploitation, including some of the crimes, and others again; and on the school grounds crimes, including crimes can apply for a maximum period of imprisonment.Idaho HB 536 (18-8501 et seq.) (2006) (also see Services)
increases the penalty for a crime related to human trafficking case. Sources of human trafficking victims in Idaho and federal-funded programs required to report the relationship of these resources.
Illinois HB 1469 (Act No. 94-96) (2005) (see also section)
forced servitude, forced labor and sexual servitude and trafficking in persons for the crime. Mandates and the Illinois Attorney General, representatives of the state Administrative Office of the Courts in Illinois, Circuit Court officials, in cooperation with the Department of Human Services and the Department of Public Aid should ensure that victims of trafficking or forced servitude social services, federal and state welfare programs, referred to victim protection services and immigration services.
Iowa SB 606 (2010)
It is a crime to keep a brothel on the draft law be repealed. A similar Criminal Code Chapter 710AE (human trafficking)Iowa SB 2219 (§710A.1 et seq.) (2006) (also refer to the Task Force)
Human trafficking a crime under the laws of the state. Order for victims and training related to the treatment of victims of trafficking in sensitive language and encourage communication by law enforcement officials. institutions of a victim compensation fund for victims of human trafficking. calls for a study to examine the impact on the victims of trafficking.
Kansas HB 2010 (2011)
civil procedure; covered offenses and theft of a dependent, the discharge of a gun crime, gambling, Medicaid fraud, dog and cock fights or dog and cock fighting equipment, prostitution, human trafficking, worthless checks, forgery mistreatment, including the loss caused to the other major card theft or fraud and financial crime.Kansas SB 37 (2011)
Under state law, except for the crimes and is not otherwise required to register the people of the State to cover the act of the offender; sex offenders, child sexual abuse, sexual violence, crime, drug offenders, registration fees, registration violation, a registered child care facility, the registration of sex offenders account for some of the crimes time, the proposed transaction or testing, and post a juvenile criminal record expungement.Kansas SB 434 (2010)
Change the order of a number of criminal offenses; human trafficking is one of them.Kansas SB 586 (2010)
skilled human trafficking is a serious person, 1.Kansas SB 72 (K.S.A. §21-3707) (2005)
a severity level 1, level 2 crime and the severity of a crime of qualified trafficking crimes such as human trafficking.Kentucky SB 43 (§506.120 et seq.) (2007)
promotion of human trafficking and human trafficking a criminal offense. development as an element of the crime of human trafficking, prostitution, addiction.Louisiana HB 49 (2011)
human trafficking; trafficking and sale of children for purposes of sexual crimes; change these crimes; definitions; and punishment.Louisiana HB 531 (2010)
cover the elements of the crime of human trafficking; for the crime of human trafficking, and knowing a person to provide labor or services fraud, force or coercion by any other person, recruitment, port, transport, supply, demand, or that it would be unlawful for .Louisiana HB 825 (2010)
human trafficking and sex offender registration and notification requirements for purposes of crimes of violence and sexual offenses listed adds criminal trafficking of children for sexual purposes.Louisiana HB 564 (2009)
and creates a crime of sex trafficking of children for purposes of this criminal penalties for the crime.Louisiana HB 56 (Act 187) (2005)
to provide labor or services fraud, force or coercion, transportation and other identification of the person as a selection of cakes state crime of human trafficking as a separate crime. - 10 years of imprisonment and $ 10,000 to the top-up (1) Human trafficking: the following sentence. (2) the purpose of sexual activity, including certain forms of human trafficking - 20 years, up to a $ 15,000 fine and imprisonment. (3) a person under the age of 18 involved human trafficking - not less than 5nor 25 up to $ 25,000 fine and imprisonment.Maryland HB 345 (2011)
evidence that can be collected with the same offenses related to human trafficking crimes to the judge and oral, wire or electronic communications, preserving the right to command.Maryland SB 299 (2011)
the evidence, oral, wire or investigative or law enforcement officers to prevent electronic communications that can be collected by the same criminal offenses related to human trafficking dependency; the judge that he would order the right to such hearings; and murder, kidnapping, sex crimes, child abuse, child pornography, gambling, robbery, bribery, extortion, false insurance documents and in connection with the deadly devices.
Maryland SB 517 (2010)
Extras and a group of law with regard to human trafficking.Massachusetts HB 3808 (2011)
the law defines the crime of human trafficking sexual servitude. deliberately hide the person with the intent to engage in sexual or other, subject to explicit, pornographic or sexual behavior or sexual conduct for a fee of human trafficking for sexual servitude to benefit the production, will be punished 20 years, the maximum sentence and a fine of up to $ 25,000 with a five-year mandatory-minimum term. 18 under the victim of sexual servitude, including human trafficking can increase the maximum sentence of life in prison. guilty of trafficking for sexual servitude business person can be fined up to $ 1 million.Michigan HB 5748 (§750.451 et seq.) (2006) (see document)
A Michigan Penal Code, human trafficking as a crime. penalties for human trafficking. Bill or the threat of physical harm caused by forced labor as a compelling sales person. The punishment for this crime is changing for up to 10 years to life, depending on the severity of the crime to a prison sentence. Bill immigration documents are not threatened by the prohibition of forced labor or services, and increases the penalties for human trafficking. traffic intended for human crime. Finally, kidnapping, murder or attempted murder of a victim of human trafficking, criminal sexual conduct, sentenced to life imprisonment.
Minnesota HB 1505 (2009)
particular to promote / increase the criminal penalties for the crime of sex trafficking. sex trafficking and labor trafficking crimes; violent crime gun law definition of prostitution / sex trafficking to promote dependency.Mississippi HB 381 (§97-3-107) (2006)
forced labor or services, involuntary servitude, prohibits trafficking in persons for sexual servitude and documents shared responsibility, anti-trafficking actions. The penalties for a person of 20 years in prison with no guilty of human trafficking.Missouri HB 214 (2011)
trafficking laws; forced labor, slavery, involuntary servitude, peonage, child sexual abuse and crimes of sexual abuse through the sale of assets; criminal penalties; requires the court for restitution; and prostitution is positive for the defense.Missouri HB 1487 (§168.071 R.S.Mo.) (2004) (also see Services)
A Class A child sex trafficking as a crime. In addition, through the use of forced labor and trafficking for forced labor or sexual exploitation or abuse of an individual to a class B crime. documents human trafficking is a Class D crime. human trafficking as part of a criminal conviction, the court should be ordered to pay the victim back to the criminal. any victims of human trafficking crimes, as well as the federal Trafficking Victims Protection Act of 2000 provided that the rights and protection.
Montana SB 385 (2007)
involuntary servitude and forced servitude to the crime of trafficking in persons. 10-100 years in prison and a $ 100,000 fine penalty of up-scale.Nebraska LB 771 (2010)
The draft of a pregnant woman changes the rules of criminal offenses; including human trafficking. This draft law, sex offender registration and testing them as a dangerous sexual offender under the law classifies people convicted of human trafficking.Nevada AB 383 (§200) (2007)
some documents related to the forced servitude in this country illegal transportation of an alien into the specific actions involved include illegal trafficking and human trafficking a criminal offense. its Web site to prevent illegal hiring or employment of the employer to verify their workers' social security numbers, including the Social Security Administration to communicate with the director of the Department of Business and Industry.New Hampshire HB 474 (2009)
prohibits human trafficking. or commercial sex work to deal with the trafficking of persons for forced penalties and loss of facilities used in connection with human trafficking. prison term extended to 18 years, the age of the subject persons involved in such crimes.
New Jersey AB 2730 (Chapter 77) (2005)
defined as a crime of the first degree defines human trafficking as "to engage in illegal sexual activity or to provide labor or services of a person." the defendant was an organizer, supervisor, financier or manager to participate in the scheme of human trafficking as a mandatory term of imprisonment. mandatory term of imprisonment term of 20 years in prison.
New Mexico (2008)
defines human trafficking as a crime and punishment.
New York SB 5902 (Penal Law §230.34, §135.35 et seq.) (2007)
a criminal offense and for sex trafficking and labor trafficking, including trafficking penalties.
1896 (2006), North Carolina HB (see document)
trafficking crime.
North Dakota SB 2209 (2009)
the definition of a crime of human trafficking and debt bondage, and forced labor or services.
Ohio SB 162 (2010)
phone companies to revise the system of state regulation; telephone companies as a type of illegal behavior, including human trafficking.
Ohio SB 235 (2010)
documents human trafficking and illegal criminal behavior. They're subject to mandatory elements, and increases the penalties for the crime of kidnapping, based on involuntary servitude and to deal with the behavior of other compelling element of compelling prostitution. Bill is also part of the conspiracy crime, including trafficking and kidnapping.
Oklahoma SB 956 (2010)
related crimes and punishments; Prohibits human trafficking; illegal trafficking of what changes; the age of the victim for the purposes of punishment; The victim for actual and punitive damages that may result in civil action; civil action reasonable attorneys' fees; defines civil law restrictions rescue efforts; allow the seizure and forfeiture of property.
Oklahoma HB 2983 (2010)
related crimes and punishments; in order to avoid financial transaction reporting requirements, and proceeds to conceal the commission of such an act or an act of terrorism in order to hide or to conceal or disguise the source of the target prohibits a person from conducting any financial transaction; electronic funds transfer and breach of the Anti-Terrorism Law and the changes related to the swindler-influenced and corrupt organizations. Human trafficking organizations.
Oregon SB 578 (§131.602 et seq.) (2007)
people and forced servitude to another person under the criminal offense of trafficking.
Pennsylvania HB 1112 (§9720.2, §911) (2006)
includes the element of human trafficking and trafficking in rape or kidnapping is a judge for the maximum sentence of life.
Rhode Island HB 5044 (2010)
It is trying to buy the services of a prostitute, and a mainstay of prostitution would create criminal penalties for individuals, includes any place where prostitution is a crime.
Rhode Island HB 5661 (2009)
Mandates for each person to life imprisonment for not less than forty thousand dollars fine and a sex trafficking charges.
Rhode Island SB 605 (2009)
This is a young person guilty of sex trafficking for no less than forty thousand dollars ($ 40,000) fine and imprisonment sidewalks.
Rhode Island SB 5881 & SB 692 (§11-67-1 et seq.) (2007)
involuntary servitude and trafficking in persons for labor or commercial sexual activity a criminal offense. penalty.
South Carolina HB 4202 (2010)
human trafficking to the list of offenses and a Class A crime.
South Dakota SB 176 (2011)
the crime of human trafficking, and to establish the level of criminal elements and to provide penalties for violation; nobody, port, transport, employment or any other person by force, fraud or coercion to know, forced prostitution, forced labor or slavery can be used to cause a person to engage in visibility; and criminal penalties.
Tennessee HB 171 (2011)
currently, human trafficking, and real and personal property used in committing a crime, the court confiscated and the persons deprived of their withdrawal of funds for disposal.
Companion Bill Tennessee SB 604 (2011).
Tennessee HB 1302 (2010)
This is an illegal restraint of the bill, compelling prostitution, production of pornography and violent, and creates a new crime against persons engaged in the sale and determine the cause of a new civil action.
Tennessee SB 2724 (2010)
Law, Tennessee under the registered sex offender and violent sexual offenders, Verification and Tracking Act (the Act) or a member of sexual crimes and the law, and to meet the needs of a person convicted of a crime of sexual violence. A sexual assault and other crimes, if committed by a parent, except to steal, and include, but are not included. The only victim of the kidnapping of the draft law in the context of a sexual crime. This is the law of crimes of sexual violence to the list of crimes of sexual servitude to the crime of trafficking in people.
Texas HB 2096 (Tex. Penal Code §20A.02) (2003)
second level with a penalty of two to 20 years in prison for trafficking as a crime. trafficking in persons under the age of 14, or persons transported, or death if the Commission the results of a criminal offense with a penalty of five to 99 years' imprisonment is a crime of the first degree.
Utah HB 230 (2010)
Associated with the crime of human trafficking or human smuggling charge to change the Criminal Code; it is contrary to the laws or the introduction of human trafficking trafficking as a separate crime against the person.
Utah HB 339 (2008) (§76-5-308 et. Seq.)
kidnapping, human trafficking and smuggling crimes.
Vermont HB 153 (2011)
and criminal penalties for human trafficking prevention programs, and the creation of a system of comprehensive program of services for victims of human trafficking; and criminal penalties for child sex trafficking.
Vermont SB 125 (2009)
force, fraud or coercion commercial sex trade through the creation of a new contact.
Virginia HB 1898 (2011)
Compensation law, the purpose of producing child pornography or any part of the purpose of prostitution or prostitution in order to live together out of wedlock children under the age of 16 in any Class 2 that is left to the criminal penalties.
Virginia HB 2016 (2009) (see document)
forced labor or services, including kidnapping a person in order for the person to go to "steal" expands.
>> Washington SB 5546 (2011)
related to changes in the crime of human trafficking.
>> Washington HB 1175 (A.R.C.W. §7.68.350) (2003)
a first and second class as a crime under the laws of Washington defines sex trafficking and labor trafficking. A first level of a crime and sentenced to 14 years in prison and a secondary sale hold a maximum of nine years. for the damage to victims of human trafficking and for the value of the suit brought to the court.
Personal Injury Law
What is a personal injury law?
As a result of personal injury and wrongful conduct of the law dealing with civil litigation and legal remedies to protect the country. In fact, the word 'abuse' twist, abuse, or harm from a Latin term meaning. Unlike criminal law, a tort action involving the government prosecutor's office of the sinner. But in these cases the defendant for the damage caused by the actions of private plaintiffs want compensation (usually money).
Based on the doctrine of personal injury and negligence cases. In essence, negligence, liability and risk management in order to avoid putting any member of the society. This negligence leads to upset every time someone is not to say that. doctrine recognizes that some accidents are inevitable. responsibility of the plaintiff or the defendant is a reasonable prudent person I am moving in different conditions.
Examples of negligent drunk drivers cause accidents, as a result of the doctor's negligence of medical complications and the poor animals are allowed to roam free dog bites. In any case, the responsible party to ignore the risk of harm to others, and as a result, the plaintiff was injured.
negligence personal injury case has been established, the result of the actions of the defendant or the defendant to pay all the injury to the plaintiff. Some types of damage, such as property damage and medical bills, is simple. Such as emotional distress and loss of potential income may be required for other types of expert testimony. Punitive damages may also be available, and especially the need to stop the vicious punishment.
During the action a violation, it can be difficult to identify the suspects. He was a delivery driver, nurse, food stores or other personal secretary - have the financial resources to pay the judgment can not be directly Voga harm "offense, because that's not the point. An experienced personal injury lawyer to determine, such as a lease or employer will be responsible for the acts on the basis of their relationship, the parties to the court.
Common offenders and protection
Personal injury and negligence law includes a number of other causes of action. Most obviously favorable treatment under this autumn. As the name suggests, in this case the defendant for the damage to the plaintiff goal. Examples include assault, battery, false imprisonment, criminal, theft, and infliction of emotional distress.
violating the opposite end of the spectrum, the accused, they have done everything possible to prevent damage, even in the scenario, which will be responsible. This is known as strict liability. the defendant and all legal measures will be taken to deal with a very dangerous activity if someone is offended law strict liability of the defendant. the collapse of the construction and transportation of hazardous materials fall into this category.
Another common offense involves injury caused by defective products. In such cases, the responsibility of designing and selling a dangerous product can be applied on the basis of a theory that act negligently. If certain elements are met by a defective product or damaged plaintiffs can sue under a theory of strict liability. In both cases, product liability cases involved a lot of candidates and a large money judgment having the potential to be the largest class action lawsuits.
personal injury and liability protection, a number of common theories tend to rely on the defense of the accused. negligence cases, the defendant, the plaintiff may claim that you did not use due care and partially or fully responsible for the injury. the defendant, the plaintiff has voluntarily participate in dangerous sports or activities, "assumed the risk" may be considered as measures failed to damage the plaintiff impliedly plaintiff or the defendant.
In this case, based on the evidence of the violations to avoid losing claimants to hire legal counsel. retain a lawyer is always a concern in cases of personal injury, (ie, missing the deadline for filing a claim) violation of the law will help to avoid the unfortunate situation.
Employment Law
Labor law?
Labor law manages the rights and obligations between employers and workers. In addition, labor law, these rules and, above all, keep a safe working and laws, as well as to protect the interests of employers, though, as they are referred to treatment is designed to make sure. Labor laws, federal and state constitutions, laws, administrative regulations, court opinions. Labor relations are regulated by the contract.
American labor laws trace back to the rebellion of the people against the cruel practices of the industrial revolution. At the beginning of the 20th century, the first laws, compensation for injured workers, a minimum wage, the standard working week and for the prohibition of child labor. In the 1960s and 70s, Congress tried to prohibit discrimination and unsafe working conditions. Issues for men and women workers, including health care and equal pay.
"The violations of wage and hour litigation of contract disputes. Federal law defines the basic provisions of these issues, then states pass laws to provide additional protection for free. For example, federal law limits $ 7.25 minimum wage. a few countries approved a higher minimum wage and those countries, employers must comply.
Wage and hour laws, as well as additional fees regulation. the federal government and the borders of a large number of work hours per week, but 40 hours later, and a half to be paid. The provisions of the special rules for those working in the field of agriculture, and for workers over the age of 18 to control the hours and working conditions. In addition, this legislation based on notifications and post requires employers to keep records.
many other cases, the law is the basis of discrimination in the workplace. 1964 and the subsequent civil rights legislation of the law against ethnic, religious beliefs, gender, age, disability, or for the treatment of other workers. to hire a lawyer to pursue a claim of discrimination Equal Employment opportunity Commission (EEOC), such as a Right-to-Sue letter, detailed procedures must be followed as recommended.
"Will," predicts
almost every state, enforcement is acting as the will of the working relationship. Employers and employees at any time and for any reason considered to be free to terminate the relationship. It is estimated that by the end of how and when the parties entered into an employment contract or relationship with other promised. One of the few exceptions apply when the courts will be presumed.
The most common exceptions include matters of public policy. For example, employers can not fire workers for discriminatory reasons. In the same way, or power (the whistle), the disclosure of violations of the law in retaliation for the transfer of a worker's compensation for a fire officer. few countries, such as the firing workers to pay bonuses or other benefits, rather prohibits employees from employers.
As mentioned earlier, employers and workers can enter into labor contracts. To provide for the termination of such agreements, etc., compensation, disciplinary procedures, and define the length of reasons. As long as the contract or the legal, rather than the teachings of this will be implemented. In addition, the terms of the contract, even in the absence of a written document, the word can be created by the conclusion on the basis of guarantees and other.
Training contract cases, the courts are often called the interpretations of the meaning of certain clauses. Promises of competition is not an example. These provisions have the same market or in the same geographical area to prevent former employees involved in sales. Another example of restrictions on the disclosure of trade secrets against. Labor lawyers tried on these types of issues on a regular basis.
other workplace issues in a number of cases, the law may arise. This kind of unemployment insurance, worker's compensation, including sexual violence, and the Occupational Safety and Health Administration (OSHA) compliance issues, specializing in areas such as labor law attorneys who limit their applications. Can make all the difference to find the right lawyer to prepare a business for those involved in the dispute.
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