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Which Statement Accurately Describes Group Disability Income Insurance

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Consider The Needs Of The Audience

When planning web content, consider people’s needs. Make sure that the content is accessible, clear and adapted to the widest audience.

Writing for accessibility

Making content accessible means a wide range of people can use it, including people with physical and cognitive disabilities .

To make your content accessible, consider how assistive technologies work and how some writing practices may impact people’s ability to read or understand text. Remember to also refer to the

Writing for inclusivity

Make gender-inclusive writing your standard practice. Avoid references to gender whenever possible.

For more guidance, including how to write inclusively in French, see the Translation Bureaus Gender-inclusive writing: correspondence.

Writing for specialized audiences

Sometimes, your content targets people who have in-depth knowledge of a subject.

When writing for a specialized audience, you can use terms they’re familiar with, even if those terms aren’t familiar to a general audience.; Include a summary in plain language for:

  • people who aren’t familiar with the subject
  • specialists who might be scanning the content to decide whether it’s relevant to their task

Consider all screen sizes

People will view your content on different sizes of screens. Phone and tablet screens display less content than desktop and laptop screens.;Readers who use small screens:

  • have to go through more steps to access the same amount of information

Check The Reading Level Of The Content

Check the reading level of your text. Make sure that it meets the reading level you’re targeting based on the literacy needs of your audience. Do this every so often while you’re writing content. You can use various tools to do this.

Readability tools help you check if content is too wordy or complex. Writing content at a reading level above grade 8 can make it difficult for many people to understand or complete their task.

Use a readability tool

You can use a readability tool like Flesch-Kincaid to check the reading level of your English content. This tool is available as part of Microsoft Word. It generally reflects the years of education needed to understand the text.

To use Flesch-Kincaid:

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Individuals Who Are Medically Frail

If you are medically frail, you may be able to get MassHealth Standard, which gives you more benefits. You are medically frail if:

  • You have a medical, mental health, or addiction condition that limits your ability to work or go to school
  • You need help with daily activities, like bathing or dressing
  • You get regular medical care, personal care, or health services at home or in another community setting, like adult day care
  • You are terminally ill

If you move to MassHealth Standard, there may be some more steps needed to get some of the;added benefits that MassHealth Standard gives. For example, MassHealth may need more;information or may need to make sure the benefits are necessary and right for you. Your doctor and MassHealth Customer Service can help explain these extra steps to you.

Disputing Your Mib Consumer File

Medical Claims Analyst Resume Samples

FCRA protections also allow you to dispute your file if you feel anything is misrepresented. You can request a free âreinvestigationâ from the MIB noting anything that you think is inaccurate or incomplete. This can take up to 45 days to complete.

Note that while independent life insurance brokers like Policygenius donât have access to your MIB file, we can advocate for you and work with multiple insurance companies to make sure you get the best rates possible when youapply for life insurance.

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Provide Equivalent Content In Both Official Languages

Official languages requirements

, you must publish communications and provide services to the public in both official languages.

Government content must:

  • be professionally translated
  • reflect Canadian writing conventions in English and French
  • include fully bilingual images, multimedia files and transcripts, or contain equivalent information in both official languages

Persons responsible for official languages

The person responsible for official languages in your institution can help answer questions about your obligations and about exceptions.

Your communications team can help determine whether it’s appropriate to communicate with audiences in other languages, in addition to Canada’s official languages.

Use Of The Style Guide

This style guide is referenced in the . The requirements apply to departments and other organizations of the federal public administration listed in Schedules I, I.1 and II of the Financial Administration Act.

These organizations must follow this style guide’s requirements for all public-facing websites and digital services, regardless of the technology, domain name or publishing platform used.

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The Employment Insurance program offers temporary financial assistance to Canadians and individuals who are legally entitled to work in Canada, have a valid Social Insurance Number and remain in Canada during their benefit period. One type of benefits that the;EI;program offers is regular benefits.;EI;regular benefits are offered to people who have lost their employment through no fault of their own and who are ready, willing, and capable of working each day but unable to find work.

Flesch-Kincaid reading level: 17.2


Counseling And Educational Interventions

Long-Term Disability (LTD) Claim Forms & Update Forms

The pyramid’s fifth tier represents health education , which is perceived by some as the essence of public health action but is generally the least effective type of intervention. The need to urge behavioral change is symptomatic of failure to establish contexts in which healthy choices are default actions. For example, counterbalances to our obesogenic environment include exhortations to increase physical activity and improve diet, which have little or no effect. More than one third of US adults, or 72 million people, were obese in 2006, a dramatic increase over 1980. Two thirds of these individuals were counseled by a health care provider to lose weight, yet daily calorie and fat intake continues to rise.

Counseling, either within or outside the clinical context, is generally less effective than other interventions; successfully inducing individual behavioral change is the exception rather than the rule. For example, although clear, strong, and personalized smoking cessation advice, even in the absence of pharmacological treatment, doubles quit rates among smokers who want to stop and should be the norm in medical care, it still fails to help 90% of those who are motivated to quit.,

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Start With The Most Important Information

Start your content with the most important information, and be direct. When people scan web pages, they tend to start in the top left hand corner and scan to the right and down. As they move down the page, they scan less and less to the right.

Organize your content using an inverted pyramid structure to:

  • guide your audience to the information they need to complete their task
  • place supporting and relevant details toward the end of the text

Figure 1

Inverted pyramid divided into four sections, from top to bottom. The image shows the order of information on a web page.

  • First:
  • start with the most important idea, step or information
  • Second:
  • add details and tasks in order of importance
  • keep all task related content in the centre of the page
  • use links to direct people to key information and tasks
  • Third:
  • include information for audiences who want to learn more or have more knowledge of the topic or service, but only if it makes sense
  • Fourth:
  • add links only if they relate to content that supports completion of the task on the web page
  • Get to the point

    Omit background information and messages that welcome people to your program or site. These kinds of messages get in people’s way when they’re trying to accomplish a task.

    Write direct statements.

    Example of direct statements

    Write: Present your passport to the border officer.Instead of: According to Canadian legislation, you’re required to present your passport to the agent who will welcome you into the country.

    United States Core Data For Interoperability

    A USCDI Data Class is an aggregation of various Data Elements by a common theme or use case.

    A USCDI Data Element is the most granular level at which a piece of data is exchanged.

    For example, Date of Birth is a Data Element rather than its component Day, Month, or Year, because Date of Birth is the unit of exchange.

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    Masshealth Coverage Types For Individuals And Families Including People With Disabilities

    Described below are the six MassHealth coverage types offered to eligible individuals, families, and people with disabilities: ;Standard, CommonHealth, CarePlus, Family Assistance, Premium Assistance, and Limited. To apply for coverage, complete a Massachusetts Application for Health and Dental Coverage and Help Paying Costs . MassHealth will determine which program or MassHealth coverage type you can get. MassHealth will give you the most complete coverage that you can get.;Your eligibility depends on things like income, citizenship or immigration status, age, and special circumstances. You must be a Massachusetts resident to get any of these services.;You may have copayments for some services.

    Use We To Refer To The Government Of Canada

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    We generally provide information to people from the perspective of the government as a whole rather than from a specific institution.

    Use “we” and “our” when writing on behalf of the Government of Canada.

    Examples of statements that use “we” or “our” to refer to the Government of Canada

    Write: If you started a new;claim within the last 52 weeks and there are still weeks payable on that claim,;we will automatically renew your existing claim.Instead of: If you started a new;claim within the last 52 weeks and there are still weeks payable on that claim,;Service Canada will automatically renew your existing claim.

    Use “Government of Canada” when:

    • describing Canada’s stance on a topic relative to another named jurisdiction
    • explaining Canada’s role with respect to a topic or issue

    Use the name of a specific institution in situations when the:

    • institution will be contacting the person
    • person needs to contact the institution by phone, mail or online process
    • role of the institution in a process is relevant to the task

    Examples of statements that refer to specific institutions

    • The Canada Revenue Agency will inform you if you have to repay;benefits.
    • The Canadian Food Inspection Agency gives permits for some meat products.
    • All restricted or controlled drugs need an import permit from Health Canada.

    Don’t include references to your website on your website.

    Example of a statement that doesn’t refer to on the site

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    Which Statement Accurately Describes Group Disability Income Insurance

    Answer:- The extent of benefits is determined by the insureds income.

    a) There are no participation requirements for employees.b) Short-term plans provide benefits for up to 1 year.c) The extent of benefits is determined by the insureds income.d) In long-term plans, monthly benefits are limited to 75% of the insureds income.

    The Cost Of Disability Income Insurance

    Disability income insurance has a variety of factors that influence the final premium. Policy premiums generally range between 1% and 3% of the gross income. Insurance underwriters also consider age during the underwriting process. The minimum age for applicants is 18 years, and the maximum age is usually 60. Unlike life insurance, DI rates for women are higher per unit of coverage than those for male applicants.

    According to claims data, insurers have historically paid more and higher dollar amount claims for women than men and during an earlier period of life. This may be attributed to pregnancy and childbirth and higher rates of depression and autoimmune disorders. Also, smokers can expect to pay as much as 25% more for the same protection as a non-smoker because of the higher incidence of smoking-related illnesses.

    When determining premiums, providers will place applicants into career and income classifications.;The basis of these classifications is on the carriers;claim;experience for these job categories and incomes. The classification with the lowest risk will pay less.

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    Use Short Sentences And Paragraphs

    Be concise. Use as few words as possible to express an idea. By being concise, you’ll help everyone, even specialists, complete the task they set out to do.

    Keep sentences and paragraphs short to make them easier to scan on any screen size. People who have learning disabilities may find it difficult to scan and understand long sentences and paragraphs.

    Try to keep sentences under 20 words. You can do this by:;

    • breaking long sentences into shorter ones
    • limiting each sentence to 1 idea
    • removing unnecessary words

    Examples of shortened sentences

    Write: We received your request for funding and approved it. Instead of: We received your request for funding, which we’ve thoroughly reviewed and approved in a timely manner.

    Write: We’ll consider any type of investment.Instead of: Any type of investment will be taken into consideration.

    Try to keep paragraphs to 3 sentences. You can do this by:

    • developing 1 main idea per paragraph
    • presenting a series of more than 2 ideas or words as a vertical list
    • using a short form for a long title instead of repeating it

    Write Useful Page Titles And Headings

    The Hard Cost of Retirement Plans (The Life Insurance Income Series)

    In your page title, accurately describe what’s on the page. A descriptive page title is important because search engines often display the title without the context that the rest of the page provides.

    Most people scan page titles and headings, looking for keywords that will confirm that they have found what they’re looking for. People who use assistive technology may listen for keywords using software or may use keyboard shortcuts to access all the headings on a page.

    When writing a page title, heading or subheading, make sure that it:

    • gives a clear idea of what follows
    • is short and contains no unnecessary words
    • contains the most relevant terms at the beginning
    • makes sense on its own
    • is followed by text and not by another heading, unless the heading introduces a table of contents on the same page
    • has no punctuation at the end
    • contains no abbreviation unless the audience knows it better than it knows its long-form equivalent
    • contains no promotional messaging because it might confuse and stop people from navigating to the page

    Make the page title unique

    Most search engines identify relevant search results based on:

    • page title
    • use this style: Heading 4
    • can appear many times in many subsections

    Having clear and consistently formatted headings helps your web team produce the web pages more quickly and with fewer errors.

    Delete the table of contents before you send the document for approval if it isn’t required for the final online version.

    Navigation pane
    • “no data”

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    Disability Income Insurance Waiting Period

    Typically, disability income insurance policies contain a specific monthly benefit amount . Unless stated in the policy language, DI policies do not coordinate with Social Security benefits but pay in addition to it. And, of course, as the monthly benefit amounts increases, higher premiums are assessed. Most companies will not issue a policy with benefits that amount to more than 60% of an individual’s gross income.

    Most insurance companies provide plans that carry a maximum benefit period of two, three, five, or 10 years. Once again, the price increases to purchase an extended benefit period.;

    Disability Income insurance policies have a;waiting or elimination period before being able to receive benefit payments. This period is usually 30-days from the date of coverage and may vary by provider and policy. Another critical consideration for disability income policies is that the benefit payments do not begin immediately after the filing of an injury or illness claim. Again, this will vary by provider and policy type, but most will require a waiting period of 30 to 45 days before the first benefit payment processes.

    How The Mib Is Used

    An MIB report covers your life insurance applications over the previous three to five years. It also compiles health information that you either left out of your application or wasnât made apparent to the underwriter via other means .

    The type of information that comes through an MIB report request includes:

    • The date of any previous life insurance applications

    • Medical impairments

    • When medical conditions were diagnosed and/or treated

    • Types of treatment

    • Where the medical history came from

    For example, if youâve had prostate cancer, underwent surgery, and previously applied for life insurance, that information would be in your MIB record.

    If youâre applying for life insurance again, the current underwriter would learn from the coded MIB records that youâve had a previous operation, when it happened, and how that information was obtained ).

    The underwriter can then use that in conjunction with other information â themedical exam, additional physician statements, a prescription check â to make sure that everything matches up and the current application isnât missing any pertinent pieces of your health history.

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    Expressing An Obligation Or A Recommendation

    As a government organization, we often publish rules, information and instructions that are set out in law. We also provide advice on how to follow them.

    Express an obligation

    When telling people about:

    • what the law requires them to do, use “must” instead of “legally required to” or similar language
    • an administrative requirement, use “need to”
    Example of statements that express legal and administrative requirements

    Legal: To be eligible for compassionate care benefits, you must be able to show thatAdministrative: After you apply online, you’ll need to provide us with the following documents before we can finalize your claim.

    Express a recommendation

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