California Insurance Continuing Education - Health Benefits

Wording regarding the PPO Providers (when applicable) are the same as with individual Major Medical plans. As a rule, Provider-type plans are established the same for Group and Individual plans.  Note the illustrated Schedule of Benefits on the first page shows a difference in approved and non-approved Providers in coinsurance percentages.  Since some groups are multi-state, there can be special consideration given if there are employees in an area not served by participating Providers.  Some plans allow a choice with higher co-payments or some other added cost if approved Providers are not used.  Again, because the size of the group determines the type of plan and the benefits provided, there are more alternatives to this and other similar provisions than could be outlined in a text of this size and type.


Hospital Care, Physician Care, Ambulatory Surgical Center Care, Accident Care, Accident Dental Care, Prescription Drugs, Complications of Pregnancy, Sterilization, Newborn Child and Well-Child Care, Organ Transplant, Mental-Nervous Disorder treatment, Alcohol-Drug Dependency treatment, Therapeutic Services, Mammogram, Skilled Nursing Care, Home Health Care, Ambulance Services, Prosthetic & Orthotic Devices & Durable Medical Equipment, are all comparable to the provisions and terminology of the individual Major Medical plans.  The only two sections of interest that are not defined under Major Medical provisions, are Maternity and Hospice Care.  (See below)

Maternity Health care services and supplies, including prenatal care, delivery and postnatal care, provided to an Insured other than the Certificateholder's child, by a Doctor of Medicine (M.D.), Doctor of Osteopathy (D.O.), Hospital, Birth Center, midwife or Certified Nurse Midwife may be Covered Services.
Maternity benefits are provided for a Certificateholder's Dependent daughter only when: 1) the  Certificateholder has employee/children or employee/family type coverage; 2) the Contractholder has purchased the optional Dependent daughter maternity benefits Rider from YOUR INSURANCE COMPANY; and 3) the Dependent daughter was covered under such Rider for at least 30 days prior to the date of conception of such Dependent's pregnancy, as determined by a Physician.

Complications of Pregnancy: Health care services and supplies provided to an Insured for the treatment of complications of pregnancy may be Covered Services.  Coverage for complications of pregnancy is limited to Covered Services to treat the Condition covered by the complication, and does not include maternity coverage.
Additionally, coverage for complications of pregnancy is subject to any Pre-existing Condition limitations.

For purposes of this Section, the phrase complications of pregnancy" means a Condition which is diagnosed as a separate Condition from the pregnancy.

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Extend Your Capabilities With Continuing Education

Today, many people consider Continuing Education a means to career advancement. In fact, in the late 1990s, researchers argued that continuing education was becoming less of an option and more of a necessity. Hence, one of the greatest benefits that employees may derive from continuing education is to simply keep up with their evolving areas of expertise. Additional education can also help employees to receive promotions and land better jobs. That's because not only does college education upgrade work skills and knowledge, it also upholds the training needed to climb higher up the corporate ladder. Now, with the computer and Internet technology, learners can even have instant access to upgrade their expertise in virtually every vocation.

Centennial College's Continuing Education allows you to explore further education through part-time, evening, weekend, online and alternative format courses. The programs and courses are designed to improve your skills, further your education, allow you to pursue a variety of interests and enable you to embrace new possibilities at your own convenience. That's because through the Continuing Education option, you are given choices. For example, you may choose to study in the school's fully equipped facilities in the evenings and on weekends. This will put you into a classroom setting with a professor and other peers where practical hands-on knowledge is provided through group projects, presentations and labs. If, however, this doesn't appeal to you, you can opt for Distance Learning, which allows you to learn online from home, on the subway, during your lunch break at work, or anywhere you desire. This type of learning is designed for a more independent learner.

So how does Centennial's Continuing Education option stack up? Well, nearly 22,000 learners each year in 160 programs with over 1,200 courses and a 97 per cent learner satisfaction is a testament to its success. In addition, Centennial College's faculty is praised for understanding the needs of adult learners with flexibility, learner-centred teaching methodologies and a mature environment.

Each option at Centennial comes with different prerequisites. You'll be able to find more information about this when you apply online for the Continuing Education program of your choice. However, please be advised that within certain programs there may be qualification requirements and costs for external accreditations, designations, certifications or recognitions. These are set by the granting bodies and not by Centennial College. In order to qualify for any of those external accreditations, designations, certification or recognition, students and graduates will need to follow the processes and meet the applicable requirements listed on the websites and materials of those external bodies.

Physical Therapy Continuing Education: Rehab Post Acl Surgery

Many of the Physical Therapy continuing education courses I have attended are taught by other Physical Therapists. Since many of the patients we see on a regular basis are post surgical, I'm surprised more courses don't have input from orthopedic surgeons.

We recently interviewed a prominent orthopedic surgeon to get his input on rehabilitation following an Anterior Cruciate Ligament (ACL) reconstruction surgery.

Here are some excerpts from the interview.

PhysicalTherapyContinuingEducation.Org: What are some of the key outcomes you are looking for when a patient comes back to see you after the surgery?

ACL Surgeon: So, I think important things are early on, again, gaining that extension, decreasing the swelling, getting that motion going, and then getting them on a bike and really working with them. And then the other thing is not trying to do things too fast. Ive seen some patients that have come back from therapists and said, Well, they tried to have me do this jumping or running or hopping or things like that before they were ready, and again, that was not necessarily in my protocol. Sometimes the patients doing so well that the therapist thinks that they may be able to do advanced things sooner, and that may not be the case.

So, communication I think is important, and both with the issues that are going on that are not good, or issues that are good that they may want to communicate and say, Johnny looks great and is doing real well. What do you think about doing this? And I really appreciate that kind of feedback and I appreciate the time that is taken that somebody like you will take with the athlete, and the expertise that you take in really getting this patient back.

If I do a good surgery and everything goes great but we dont have good rehabilitation then its all for not. At the same time I give a huge amount of credit to the physical therapists and the athletic trainers that work with these athletes because theyre really helping the athletes along, and getting them to where they need to be, and if we didnt have them then they wouldnt be able to get back. So, I think its really a joint effort and a combined effort that we can all take pride in when the athlete does get back on the field.

PhysicalTherapyContinuingEducation.Org: Excellent. Any exciting work on the horizon that youre aware of in regards to ACL reconstruction?

ACL Surgeon: It continues to advance. Theres some work with some of my colleagues that I used to work with at Vanderbilt in Tennessee that theyve been looking at growth factors and ways to potentially help to optimize healing of the ACL and looking at different scalpels that we may be using. Some off the shelf ACL type tissue that may be grown in the lab. That may be a ways off, but I think thats very interesting.

Additionally, I think the rehabilitation continues to evolve and advance, so I think thats exciting as well. We continue to gain a better understanding of what were doing and how to get people back and been very happy with the results.

Some of the work too, and Ive done some of the double bundle type procedures, I think theres a role for those, maybe not as a primary ACL type of surgery, but using two tunnels for the ACL and revision surgery may be very helpful and Ill be very pleased with that. So, theres some work done there that weve all got a great understanding of the anatomy of the ACL and again, I think understanding where to place the ACL is really important and that has come under great understanding with the concept of the two tunnel or double bundle techniques as well.

So, I think its all evolving and we are getting better at fixing these. Were getting better at doing the rehabilitation and providing better outcomes for our patients, and thats really what its about.

Be on Top through National Massage Therapy Institute Continuing Education Classes

Being a massage therapist doesn't stop there. If you want to earn more and have many clients, then continue enhancing your career through National Massage Therapy Institute Continuing Education. This will improve your skill more as professional therapist. There are always new in massage therapy. In order to keep abreast, enroll now, learn more and get more clients.


If you think you are too busy to attend class anymore, no worry at all. You still have ways on how to sign up with those classes. National Massage Therapy Institute Continuing Education is offered online. Have your online class. You don't have to leave your house and waste your time in the road to attend your class. You can comfortably sit at the comfort of your own home while taking the class. This is a great opportunity for you to make the most in your massage therapy career.  Never be contented in your current standing in your career.

Let the institute handle your future. You can bring out the best in you and be on top.


Being in a massage therapy field, common and basic things should be learned. This is to keep on the flow of fast changing world and to continue answering the demands of the client. You should give what your clients deserved. This is where your earnings depends so better watch out on things that can help you improve more on your career. What you have to offer is what a client is looking for. They are after how well you perform and the outcome of your massage therapy. If you offer the best, then you can ensure that clients will look for you again. So it is important that you are practicing within the professional guidelines and standards. Make it a point that you always make the best of you and you still get knowledge from massage therapy classes.

They will teach what you don't know and maintain what you know. So make this as a ladder to be on top and be the best massage therapist on your area or soar high and hit your mark.


Insurance Continuing Education - Elevation Certificates

An Elevation Certificate (EC) is mandatory on Post-FIRM construction, but is optional on Pre-FIRM construction.  It is required by the NFIP so that it can be certified by the NFIP as to the lowest floor of a building so that the policy can be properly rated:


The EC is to be completed by a land surveyor, engineer or architect who is authorized to certify elevation information when it is required for Zones A1-A30, AE, AH, A(with base flood elevations), V1-V30, VE and V (with BFEs). Community officials who are authorized to complete this form may do so also.  For Zones AO and A (without BFEs) a building official, a property owner, or an owner's representative may also provide the information on this certification.  If the community is a CRS participating community, building elevation information may be available through the community official.

The lowest adjacent grade and diagram number are required for all new business applications effective on or after October 1, 1997 if the elevation certification date is on or after that date.


Pre-FIRM construction can be elevation rated using the Post-FIRM EC rates, which are more favorable if the lowest floor of the building is at or above the BFE for the community.  Generally, the lowest floor level of a Pre-FIRM building is below the BFE, and it would not benefit the insured to pay the cost of the EC in an attempt to secure a later rate, but this is an insured's option.


The EC is optional on all Post-FIRM and Pre-FIRM construction located in AR and AR dual Zones.  The decision to obtain an EC and to request Post-FIRM rating is at the discretion of the insured.  The EC includes the AR and AR dual Zone elevation requirements.

The producer is to attach the original of the completed EC to the Application.  A photocopy is to be forwarded to the policyholder and a copy is retained by the producer.


All new business application, including transfer of business, for elevation rated risks with a policy effective date of 1/1/07, or later, must be submitted with at least two recent photographs that show the front and back of the building and are taken and dated within 90 days of the submission date.  If the building is a split-level or has multi-level areas at ground level, at least two additional photographs showing views of both sides of the building must be submitted.

This requirement applies to all renewal and endorsement transactions adding elevation rating effective on or after 1/1/07.

The photographs must be submitted on the Building Photographs form that is part of the Elevation Certificate, and must include the date the photographs were taken.  All photographs must measure at least 3" x 3" and provide a good, clear image of the building's distinguishing features.  Analog or digital photographs are acceptable.  Color photographs are preferred.

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Deploy Your Enrolled Agent Continuing Education as a Restaurant Industry Expert

Every restaurant you enter represents an opportunity to expand your business as an enrolled agent. Owners of restaurants have plenty of tax issues that they're seldom prepared to address. They need tax professionals with the highest level of expertise. That's what the enrolled agent designation represents. You can start on the road to helping them by conveying that enrolled agents are the only tax practitioners specifically licensed by the IRS.

To demonstrate your particular competence for the restaurant industry, relay to prospective clients your knowledge about tip income. This is a common tax accounting headache for restaurant owners that you learn from your enrolled agent continuing education.

Employees who receive more than per month in tips are required to report the total to their employers.

This situation most often occurs in the restaurant industry, but is also applicable to other types of businesses. A restaurant owner must adjust income tax withholding on the wages of employees who report tips. In addition, an employer is responsible for withholding and remitting Social Security and Medicare taxes on the tip income of workers.

Any uncollected taxes on reported tip income are withheld from future paychecks.

However, a worker can give money to an employer at any time during the year to cover required taxes. The employee's W-2 indicates any Social Security and Medicare taxes for tip income that was not collected. If this happens, your tax CPE teaches you to make an adjustment on the employer's quarterly payroll report for the uncollected amount. The worker is then liable for uncollected payroll taxes. But businesses are still responsible for the employer share of Social Security and Medicare taxes plus other taxes associated with payroll.

Information covered in your enrolled agent CPE allows you to help a restaurant owner with the payroll issues incurred from employee-reported tip income. Employers use Form 4137 to disclose the tip income reported by employees. A recent revision to this form requires the employer's tax ID number. This permits the IRS to engage in collection of the employer part of Social Security and Medicare taxes on reported tip income.

You enrolled agent training is especially important when restaurant employees report total tip income that's less than 8 percent of gross receipts for the business. This requires allocating the deficient amount among the W-2s of all employees. A system of reporting allocated tips is usually based upon each employee's share of total hours or gross receipts.

Restaurants have a special requirement of reporting tips annually on Form 8027. One of these forms is required for each location where more than 10 people are employed working a total of more than 80 hours per day.

These big demands of restaurants related to payroll and tipping of employees are just right for enrolled agents to address. The business owners benefit and your tax practice grows from a focus on such high level use of your enrolled agent expertise.

IRS Circular 230 Disclosure

Pursuant to the requirements of the Internal Revenue Service Circular 230, we inform you that, to the extent any advice relating to a Federal tax issue is contained in this communication, including in any attachments, it was not written or intended to be used, and cannot be used, for the purpose of (a) avoiding any tax related penalties that may be imposed on you or any other person under the Internal Revenue Code, or (b) promoting, marketing or recommending to another person any transaction or matter addressed in this communication.


Orthopedics hyperguide application imparts global physicians a Continuous Medical Education

Vindico, as a company is the synonym for quality and successful medical activities in New Jersey. With the advent of technology, Vindico has rightly launched a mobile application to provide the practicing physicians the daily updates in the healthcare industry. The application when launched on your Smartphone gives the user, an unlimited database of knowledge and information. Besides the immense knowledge in the form of online lectures, podcasts and also with an option of engaging tutorials, the application gives the choice of evaluating oneself in the acquired knowledge by taking up tests and getting the score of the performance. It is of high priority that the practicing medical professionals upgrade their knowledge to enhance their services to their patients.

The very purpose of CME is to deliver the healthcare professionals with the most recent advancements in clinical relevancy, verified medical facts and productive way of using the available resources.

All of these updates aim at achieving enhanced patient care and awareness and better medical knowledge for the physicians. This app is designed to achieve these goals in a convenient way.

At the launch of ‘Orthopedic hyperguide’ application, you are prompted for your login details. After supplying the credentials, the user is taken to the home page where you can start off your learning process in a very effective manner. Each post will brief its own learning objectives and keeps you on to explore the advancements happening in the medical field. The faculty detail of that respective chapter is also highlighted for reader’s benefit. To sum-up, the orthopedic hyperguide is designed to best for regular usage. Keeping up with the medical related information even on the move is a tedious factor without this mobile app. Not only is the learning aspect is a wonder, but also taking up a test and to keep track of the score is made possible to assist the physicians to earn a CME certificate. With a lot of tutorials taking place to deliver the medical practitioners the new and evolved medical aspects, these tutorials and lectures are all available on the Smartphone at their finger tips. The developers of this app, though from a through technical back ground have put in their extra hours and efforts in understanding how exactly the Continual Medical Education works and its significance in the medical industry. These aspects are understood in a module wise to create an app that knows all the issues it might encounter while a medical professional operates the app.

The app is capable of processing and supporting a varied multiple data formats such as audio, video and text files. Another noteworthy achievement from the developers is the video streaming feature on the mobile device, which is accomplished using Darwin streaming server and through a network control protocol namely Real Time Streaming Protocol abbreviated as RTSP. Such high end technology resources are used wisely to frame this app to perfection.

Medical education in virtual world demands different types of data files and all these are available on common platforms including Blackberry and iPhone. With the CME certification kept in a high priority, the incomplete and completed quizzes are kept track off to enable the physicians to earn their CME credits. If a user performs satisfactorily in these quizzes, the CME certificate will be emailed to them with no delay.

Continuous Stair Handrails

I have had numerous problems with local building inspectors and building departments over the years about continuous stair handrailing. When I first started in construction the stair handrail was basically a guardrail to keep people from falling off the staircase. Then the building departments in some areas took it upon them selves to use the handrail for something to hold on to as you are walking up and down the stairs. Well now in some cites the building department will require a continuous handrail running the entire length of the stairway. This however is now a national building code but is not always enforced. This becomes confusing to your stair assembling carpenters that are told they need to do it in one city but not the next. This is not a good thing for the construction business in general. While working as a carpenter framing stairs for track homes doing my best to keep up with changes as they came along in the Unified Building Code. I found this really didn't mean a whole heck of a lot , as I went from city to city listening to local building inspectors interpretation of the U.B.C. To this day I can not tell you for sure what one city wants in the way of building a stair handrail system in your home. Now don't get me wrong. If you build your set of stairs as per plans you could be rebuilding them if the building inspector finds something wrong. Just recently I told the owner builder of a home I was framing not to forget and ask the inspector about the continuous stair handrail. Would he need to make it continuous and if so would if have to run past the last stair treads 12 inches at the top and bottom of the stairway. When I came back to build a handrail on the front and back porch I noticed the stair handrail was installed . There was two problems with the stair handrail. The first problem was the 37 inch tall stair guardrail which would have been fine 15 years ago but today in most cities you need a 42 minimum stair guardrail with a continuous gripable handrail. This was the first problem the next of course was that the inspector wanted a continuous gripable handrail. You might ask why didn't the owner builder take my advice and ask the building inspector. Why didn't the carpenter installing the stairs ask the owner or find out about the local building codes. I don't know why but I can tell you this much they had to remove the 37 inch handrail and could not reuse the stair balusters because they where to short. The new stair guardrail had to be 42 inches minimum. The moral to this story is it won't cost the building department any money to rebuild your stair handrail system. So ask the building inspector and if possible have the inspector sign the plans stating the facts involved (no continuous stair handrail) . Get it in writing from the building department as a good rule of thumb then you will have something to argue with the local building department when the situation arises.

Insurance Continuing Education Online - Professional Disability Coverage

Professional Disability Insurance

What It Is

So-called professional disability income insurance can address a combination of business and personal needs since the professional person's work is the source of income that pays for both business and personal expenses. For insurance purposes, professional DI policies are those written for people in certain occupations that generate incomes over 0,000 annually. Insurers write professional policies for individuals who need income replacement in the range of ,000 to ,000 per month. Since not every insurance company is willing to provide monthly benefits in these amounts, you will want to locate those that do in order to serve this market.

Income, however, is not the only characteristic that defines this group. Eligibility is generally restricted to professionals who are independent and self-employed, but highly compensated executive employees might also be considered.

Typical occupations acceptable for professional DI insurance includes physicians and other health professionals such as dentists, optometrists, psychiatrists and pharmacists; lawyers: accountants; engineers; architects; and some executives, generally PhDs or those who are otherwise highly educated. This is just a sampling of eligible occupations. The companies you represent provide a complete list of occupations they will consider for professional DI policies.

Aside from the large dollar benefits involved, professional DI policies operate essentially like any other individual policy. As indicated in an earlier chapter, professionals are eligible for the most liberal benefits of any occupational group. Chapter Eight of this text discusses the various occupational classes more fully. Because of the high incomes involved, one of the major differences between writing professional DI policies and others is that social insurance benefits are not large enough in comparison to actual earnings to interfere with the income replacement calculations and cause over insurance problems.

The Key to the Professional's Livelihood

Reading the list of typical professional occupations above, you can see that these are people who provide vital services for society and who are frequently self-employed. Performing these services is the key to the professional person's livelihood. The inability to earn income by performing these services affects not only personal finances, but also the very life of the business itself since it is those services that keep the business operating.

Consider, for example, a self-employed physician, operating without partners and employing a small staff. If this individual is unable to work, first of all, no income is generated to pay for personal expenses. Second, no income is generated to continue the medical practice by paying ongoing business expenses, including a substitute physician to see the disabled doctor's patients. If a medical practice shuts down temporarily, patients must look elsewhere for services and there's no guarantee they will return even if the disabled physician recovers. The physician is likely to suffer a double loss: current loss of income and loss of the business he or she might have spent years building. There is no substitute for disability insurance to overcome these problems. Later you'll also learn about some specialized disability policies that address ways to keep a business intact during the disability of someone whose active working presence is key to the business.

Continuing Medical Education and Clearing Debts

Medicine is that one field which enables you to improve and enhance the health of the people in the society. Therefore the continuing education enables the students to have a continuous education in the medical field. There is a wide range of scope for the students acquiring information in this field however in order to continue the process medical education demands a lump some money. This amount of money has to be sometimes managed from different money lending organizations like banks, credit unions, etc…

After completing the graduation from the medical schools the first and very primary step is repaying the debt. While applying for loans, paperwork is very important. In order to acquire educational loans on time, submitting proper paper work becomes important. If you avoid the paper work you may to be accessible to loans and acquire education.

In the process to repay the debts students also opt for certain jobs which can bring with him a little amount of hard work and perseverance.

However at this point of time when students are already being offered internships, the prime concentration should be on work and not on the repayment of loans. At times the senior doctor or physician keeps the record of the student's loan, observes all the rules and regulation, etc… In simpler words the senior doctors can help the students to make a full proof plan for repaying the debts. Some accurate information is highly recommended in the process which includes rental agreements, auto loans or any application that requires a credit history.

There are certain organizations which may help the students in the process; one amongst them is Loan Information Network Company (LINC) which includes a business manager and a training analyst.

It enables the students with an aid in repayment of debt and organizing the schedule.

While keeping the track of the loan what also matters is the guarantee person/agency. There is a process every few months where the agencies sell the loans in the secondary market. With the selling of the loans, the account number changes too. This process leads to confusion in the mind of the student though being very careful with regards to the loan. The change any of your details like name, residence, fellowships, etc… should be informed to the lender immediately. Time factor plays a major role in student's loan. Just delete the word postpone form your mind. Anything that has any connection with the loans is highly important. Complete that task at urgent basis.

At times you can turn into defaulter and is a reason of paying the penalties, late fees and missed opportunities for delay, even though you had done nothing out of the law. Thus you need to be extra careful while the repaying the debt. Mitch Thrower once said, "The layers of multitasking can run very deeply in our daily lives" and thus repaying of debt can just be used as a training session for it.

How to Find Nursing Continuing Education Courses

If you're a nurse, then you know that nursing continuing education courses help you stay current in the overall medical field as well as allowing you to study your own specialty in depth. In most states, nursing CEUs are a necessity for maintaining your nursing license, or for obtaining an advanced license in your field of choice. Other states leave it up to your own sense of ethical responsibility to stay current with the latest medical breakthroughs, health care technology and constantly changing protocols and standards of care.

Whether you must take nursing continuing education courses because your state makes it mandatory or whether you're pursuing an interest in forensic nursing, legal nurse consulting, nursing management, nurse case management or any other nursing specialty, one of the most difficult issues you'll face is finding appropriate nursing continuing education courses and evaluating the information that they offer. There are several methods of getting continuing education hours and CEUs. The most popular include:

1. Professional nursing journals are one important way of keeping current on new therapies, standards and treatments. Many journals also offer specific articles for continuing education credits. In most cases, you'll have to fill out a test after reading the article and mail it in. The cost of receiving CEUs this way can be costly-you'll you have to pay the subscription for the journal, postage for the return of the certificate and often, or more as a CEU processing fee. Obtaining CEUs this way does allow you to concentrate on your desired specialty, but nurses today also must stay current on the overall health care climate.

2. Many organizations offer professional development programs and seminars that include accreditation for some of the courses offered. In many cases, employers will pay part of the registration fee, especially if the subject matter is in a specialty desired by the hospital, clinic or other organization. While the travel to attend professional seminars can be appealing, it can also be quite expensive, especially when you add in the cost of travel, lodging and meals. They're an excellent option, however, if your employer foots most of the bill and the seminar allows you to interact with important experts in your field.

3. Online nursing continuing education courses are often extremely affordable, and allow you to continue your education at your own pace. You don't need to take time away from work to attend online courses, and you don't have to worry about the expenses of travel, lodging and meals away from home. In many cases, the courses are offered by well-known and well-respected institutions of higher learning, including world-class teaching hospitals. In addition, if you take your CEUs through an online portal that offers a full range of nursing education courses, you'll have access to both specialized courses in your field of interest and broader courses that keep you updated on other important developments in the medical field.

You'll find online nursing continuing education courses in nearly every field of interest, with affordable fees for certification of your attendance and completion of the course. In many cases, your employer will cover part of the fee for the course upon completion, making them even more affordable.