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Too many Americans overlook the importance of protecting their most valuable asset --the ability to earn an income. As such, the role of insurance agents and advisors who focus on Disability benefits is vital to the financial security of their clients. To distinguish yourself in the Group Benefits Disability arena, consider the value of earning the GBDS Group Benefits Disability Specialist designation.
Too many Americans overlook the importance of protecting their most valuable asset -- the ability to earn an income. As such, the role of insurance agents and advisors who focus on Disability benefits is vital to the financial security of their clients. To distinguish yourself in the Group Benefits Disability arena, consider the value of earning the GBDS Group Benefits Disability Specialist designation. The GBDS program will equip you with the tools you need to engage clients in meaningful dialogue about the entire group benefits product portfolio, and help you position the importance of the least understood group insurance -- disability income insurance. Through completion of the rigorous GBDS self-study curriculum, you will gain significant expertise that will benefit both your clients and your career. Through the program's 19 modules, you will: * Learn about the size and scope of the group disability market. * Understand the need for disability insurance. * Learn how disability coverage has evolved over time. * Understand why and how disability insurance poses unique challenges versus other types of insurance. * Learn how disability insurance is regulated. * Learn about different types of government-sponsored disability insurance programs and how they coordinate with each other and with other non-government sponsored insurance programs. * Understand how group disability insurance policies are designed and structured. * Learn how group disability premiums and benefits are treated for tax purposes. * Understand the underwriting criteria and standards used in evaluating the insurability of different groups. * Learn how group disability insurers handle substandard cases. * Learn how disability claims are processed, managed, and ultimately resolved. * Learn about the extent of insurance fraud and tools used to combat such fraud. * Learn about different service-related needs of group disability clients. * Learn about trends that are, and will continue to impact the group disability market. * Learn how to design and properly present a group disability insurance program best suited to a given group's needs. Benefits of Attaining the GBDS Designation: * Increased client retention -- and renewals. * Know when to open a group disability case -- and when not to. * Demonstrate to clients the critical importance of disability insurance for their employees and themselves. * Recognize the tell-tale signs of possible disability fraud. * Leverage the use of core buy-up plans. * Explain the differences between government-provided and private disability coverage. * Design group disability plans that meet the needs of employees, employers and the insurer. * Steer clear of regulatory issues related to disability insurance. * Ensure employees receive claims service that is fair, efficient and proactive. * Recognize which carriers are most compatible with the business you want to write. * Understand the tax consequences of different group disability funding mechanisms.
1. Provides a comprehensive overview of meta-analysis methods and applications. 2. Divided into four major sub-topics, covering univariate meta-analysis, multivariate, applications and policy. 3. Designed to be suitable for graduate students and researchers new to the field. 4. Includes lots of real examples, with data and software code made available. 5. Chapters written by the leading researchers in the field.
This fourth edition offers a practical guide to endovascular treatment of cerebrovascular disease and provides a comprehensive reference for the related neurovascular anatomy and the various disorders that affect the vascular system. Chapters cover fundamental principles underlying cerebral and spinal angiography; interventional techniques, devices, and practice guidelines; and commonly encountered cerebrovascular disorders for which interventional and endovascular methods are appropriate Building on the previous edition, the text is presented similarly in style and scope to emphasize accessibility and ease of reading. All chapters are fully updated to include more recent data, and obsolete products and techniques are replaced with the most current technology. Some key updates include: A greater emphasis on the use of radial artery access for the discussed endovascular techniques. The associations of COVID-19 with ischemic stroke and the implications of providing care for cerebrovascular patients during a pandemic. An extensive update to the acute ischemic stroke chapter with new references and format to more closely follow the format of other chapters in that section. Expansion of the pediatric sections of disease chapters, including discussions of genetic associations with disease. This is an ideal guide for clinicians and trainees in neurology, neurosurgery and neuroradiology, as well as practicing clinicians in related fields caring for patients with cerebrovascular disease.
Written by the leading experts in computational materials science, this handy reference concisely reviews the most important aspects of plasticity modeling: constitutive laws, phase transformations, texture methods, continuum approaches and damage mechanisms. As a result, it provides the knowledge needed to avoid failures in critical systems udner mechanical load. With its various application examples to micro- and macrostructure mechanics, this is an invaluable resource for mechanical engineers as well as for researchers wanting to improve on this method and extend its outreach.
Introduction -- Mesozoic depositional evolution -- Cenozoic depositional evolution -- Petroleum habitat.
Ted Wragg's enlightening and comprehensive guide to the skills required of today's primary teachers. Chapters cover explaining new topics, questioning, facing new classes and problems with supply teachers. A real classic.
Includes numerous examples and problems for student practice, this textbook is ideal for courses on the mechanical behaviour of materials taught in departments of mechanical engineering and materials science.