14:36
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04:36
10:45
Comment faire une capture d’écran sur Windows 8
Comment faire une capture d’écran sur Windows 8
les détailles ici : http://www.10prof.com/2014/11/comment...
faire une capture d’écran sur Windows 8
Comment faire une capture d’écran sur Windows 8
les détailles ici : http://www.10prof.com/2014/11/comment...
faire une capture d’écran sur Windows 8
10:45
Comment faire une capture d’écran sur Windows 8
Comment faire une capture d’écran sur Windows 8
les détailles ici : http://www.10prof.com/2014/11/comment...
faire une capture d’écran sur Windows 8
Comment faire une capture d’écran sur Windows 8
les détailles ici : http://www.10prof.com/2014/11/comment...
faire une capture d’écran sur Windows 8
16:09
Changes to automobile insurance system in Alberta
Changes to automobile insurance system in Alberta
In 2004, the Alberta government has given the auto insurance system a number of changes aimed at making insurance more affordable, particularly for young drivers with good driving record. Nobody knows entirely the actual effects of these changes. Auto insurance premiums are lower than they were before, but many factors have contributed to their decline. Where are the savings?
After years of low yields during which insurance companies were having difficulty reaching the threshold of profitability, particularly in the field of auto insurance, the industry rebounded in 2003 and 2004 and obtained better financial results. Where the purchase of automobile insurance allows insurers to obtain a sustainable yield, competition increases and prices fall, while insurers compete for market share. This financial turnaround is at least partially responsible for the decrease in insurance premiums in Alberta.
The amendments made by the government on how claims are settled have also played a role in reducing the amount disbursed. Recover more quickly on foot
In the past, minor injuries were diagnosed and treated in various ways with varying degrees of effectiveness. New standards in diagnosis and treatment of injuries that result from years of medical research, are now in place. These standards can treat all Albertans suffering from minor injuries due to a car accident by methods whose effectiveness has been proven. The application of these standards also means that the patient does not need to wait until the insurer approves the treatment before undertaking it. Thus, accident victims receive immediate treatment experienced and can quickly resume their activities. This approach is advantageous for all Albertans because their premiums are no longer used to pay for treatments ineffective and unnecessarily prolonged absences. Reduce the amount of compensation paid to pay for small claims
In cases of legal settlement, a ceiling of compensation for pain and suffering of $ 4 504 also contributed to reducing costs without affecting the claims amount to help victims get back on their feet. This limit applies only to injuries deemed minor by an independent third party and, anyway, does not apply to income replacement and rehabilitation costs. The Court of Appeal of Alberta has recently delivered its decision in which it confirms the validity of the ceiling of compensation and rejects the argument to the effect that the ceiling is discriminatory. The personal injury lawyers have until September 2009 to decide whether they will appeal the decision to the Supreme Court of Canada.
In the past, minor injuries such as sprains and strains sometimes led to regulations for compensation for pain and suffering of $ 20 000 or even $ 50 000. Such amounts may have been a great comfort to the victims, but everyone spent money in the form of higher premiums. Who benefits from the savings and how much they stand?
From a consumer perspective, the most significant change made to the auto insurance seems to be adopting a fee structure that sets maximum premiums for mandatory auto insurance based on the driving record of a person . Insurers may require a lower premium than provided in the schedule, but can not ask a higher premium. In addition, a new rule is now in place to prevent insurers from denying anyone coverage mandatory. These changes, taken together, determine who benefits from savings in the insurance system of the province (described above).
Cap the amount that insurers can ask and insist that drivers who are at high risk is insured as well as others has meant that bad drivers pay less than they should. However, good drivers pay more. The savings under this system can reduce fortunately not even a little premium for all drivers, but the fact remains that good drivers do not receive their fair share. The insurance industry continues to work with the government to adjust the scale so that good drivers are not unfairly penalized.
In 2004, the Alberta government has given the auto insurance system a number of changes aimed at making insurance more affordable, particularly for young drivers with good driving record. Nobody knows entirely the actual effects of these changes. Auto insurance premiums are lower than they were before, but many factors have contributed to their decline. Where are the savings?
After years of low yields during which insurance companies were having difficulty reaching the threshold of profitability, particularly in the field of auto insurance, the industry rebounded in 2003 and 2004 and obtained better financial results. Where the purchase of automobile insurance allows insurers to obtain a sustainable yield, competition increases and prices fall, while insurers compete for market share. This financial turnaround is at least partially responsible for the decrease in insurance premiums in Alberta.
The amendments made by the government on how claims are settled have also played a role in reducing the amount disbursed. Recover more quickly on foot
Most injuries associated with car accidents are relatively minor. However, if they are not diagnosed and treated as required, minor injuries may persist and ensure that accident victims must take time off work and in some cases, pursuing ineffective treatment. One Both are costly to the insurance system, because insurance companies must pay for additional treatments and in some cases compensate the victim for lost income.
In the past, minor injuries were diagnosed and treated in various ways with varying degrees of effectiveness. New standards in diagnosis and treatment of injuries that result from years of medical research, are now in place. These standards can treat all Albertans suffering from minor injuries due to a car accident by methods whose effectiveness has been proven. The application of these standards also means that the patient does not need to wait until the insurer approves the treatment before undertaking it. Thus, accident victims receive immediate treatment experienced and can quickly resume their activities. This approach is advantageous for all Albertans because their premiums are no longer used to pay for treatments ineffective and unnecessarily prolonged absences. Reduce the amount of compensation paid to pay for small claims
In cases of legal settlement, a ceiling of compensation for pain and suffering of $ 4 504 also contributed to reducing costs without affecting the claims amount to help victims get back on their feet. This limit applies only to injuries deemed minor by an independent third party and, anyway, does not apply to income replacement and rehabilitation costs. The Court of Appeal of Alberta has recently delivered its decision in which it confirms the validity of the ceiling of compensation and rejects the argument to the effect that the ceiling is discriminatory. The personal injury lawyers have until September 2009 to decide whether they will appeal the decision to the Supreme Court of Canada.
In the past, minor injuries such as sprains and strains sometimes led to regulations for compensation for pain and suffering of $ 20 000 or even $ 50 000. Such amounts may have been a great comfort to the victims, but everyone spent money in the form of higher premiums. Who benefits from the savings and how much they stand?
From a consumer perspective, the most significant change made to the auto insurance seems to be adopting a fee structure that sets maximum premiums for mandatory auto insurance based on the driving record of a person . Insurers may require a lower premium than provided in the schedule, but can not ask a higher premium. In addition, a new rule is now in place to prevent insurers from denying anyone coverage mandatory. These changes, taken together, determine who benefits from savings in the insurance system of the province (described above).
Cap the amount that insurers can ask and insist that drivers who are at high risk is insured as well as others has meant that bad drivers pay less than they should. However, good drivers pay more. The savings under this system can reduce fortunately not even a little premium for all drivers, but the fact remains that good drivers do not receive their fair share. The insurance industry continues to work with the government to adjust the scale so that good drivers are not unfairly penalized.
source : www.ibc.ca
16:05
Canadian health care system (Medicare)
The national Canadian health insurance, commonly called "health insurance", aims to ensure that all residents have reasonable access to hospital services and medically necessary without having to pay directly for these services. Rather than having a single system across the country, Canada has established a national system is comprised of thirteen health insurance plans separate provincial and territorial, but share certain characteristics and standards of basic protection common. The principles governing our health care system are defined by the Canada Health Act and reflect Canadian values of equity and solidarity.
The federal and provincial / territorial governments share roles and responsibilities for health insurance. Under the Canada Health Act - our federal law on health insurance - the provincial and territorial health insurance must meet certain conditions to be eligible for all of the cash portion of the contribution Federal paid to them by virtue of the Canada Health Transfer (CHT). The provincial and territorial governments are responsible for the administration, organization and delivery of health services for their residents.
The federal and provincial / territorial governments share roles and responsibilities for health insurance. Under the Canada Health Act - our federal law on health insurance - the provincial and territorial health insurance must meet certain conditions to be eligible for all of the cash portion of the contribution Federal paid to them by virtue of the Canada Health Transfer (CHT). The provincial and territorial governments are responsible for the administration, organization and delivery of health services for their residents.
20:26
Canadian health health insurance system : what will change
source : hc-sc.gc.ca
Canadian health care system (Medicare)
The national Canadian health insurance, commonly called "health insurance", aims to ensure that all residents have reasonable access to hospital services and medically necessary without having to pay directly for these services. Rather than having a single system across the country, Canada has established a national system is comprised of thirteen health insurance plans separate provincial and territorial, but share certain characteristics and standards of basic protection common. The principles governing our health care system are defined by the Canada Health Act and reflect Canadian values of equity and solidarity. The federal and provincial / territorial governments share roles and responsibilities for health insurance. Under the Canada Health Act - our federal law on health insurance - the provincial and territorial health insurance must meet certain conditions to be eligible for all of the cash portion of the contribution Federal paid to them by virtue of the Canada Health Transfer (CHT). The provincial and territorial governments are responsible for the administration, organization and delivery of health services for their residents.
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