https://completemarkets.com/Article/article-post/1146/PERSONAL-LINES-DISABILITY/
Personal Lines Disability
PERSONAL LINES DISABILITY Dear (Customer Nam...on review of your Social Security, Disability, and related benefits. Our findi...
https://completemarkets.com/Article/article-post/812/Selling-Disability-In-The-P-C-Agency/
...ith about 60% Commercial and 40% Personal in premium volume. One in-house Life producer handles Commercial and Personal lines, sometimes with outside help. ...uch situations.
Your duty to offer Disability coverage also equates to a vast ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1872/DEALING-WITH-THE-THREAT-OF-VIOLENCE-IN-THE-WORKPLACE/
... is covered by the ADA, make these inquiries: Does the condition constitute a mental disorder' as defined by the American Psychiatric Association's DIAGNOSTIC AND STATISTICAL MANUAL OF MENTAL DISORDERS? Does the condition substantially limit a major life activity' of the individual? A yes' answer to either question means that the employee's condition is probably protected. Workers suffering from general stress because of job or personal life pressures would not be considered disabled. However, if they are diagnosed by a psychiatrist as having an identifiable stress disorder, their impairment may qualify as a disability. Employer Rights Even with the many restrictions, companies still have some flexibility to investigate an applicant's background thoroughly. A firm can avoid hiring problem employees by evaluating the candidate's application, interview, and administering psychological testing. The company's ... you, firing him or her might seem to be the appropriate thing to do, but it isn't. A federal district judge in Michigan ordered a company to reinstate with back pay a worker after she was fired for calling her supervisor a bitch' and talked of taking a .38 and blowing her away. The offending employee suffered from depression, a condition that qualified her for protection under the Americans with Disabilities Act (ADA) . The court ruled that ADA regulations prohibited the company from firing her, even though her depression interfered with her job performance. Background Prior to her threat, the employee's depression had caused her to take a leave of absence and go on short-term disability. Although her job was not the sole cause of her depression, she later contended it contributed to her condition. A ...
https://completemarkets.com/Article/article-post/2450/Insurance-Agencies-And-The-Employment-Civil-Rights-Laws-Of-California-And-The-Ninth-Circuit-Part-2/
...e an accommodation or to provide personal-use items, such as glasses or hearin...golden rule and maintenance of good personal relations with employees are just...
https://completemarkets.com/Article/article-post/1872/DEALING-WITH-THE-THREAT-OF-VIOLENCE-IN-THE-WORKPLACE/
...general stress because of job or personal life pressures would not be consider...ite its efforts to accommodate the disability, the troubled employee was still...
https://completemarkets.com/Article/article-post/546/Recent-Cases-Clarify-Employer-Liabilities/
... a reminder, the application of disability laws must be done with some reasona...l statements regarding the fact of disability may be binding in other proceedi...
https://completemarkets.com/Article/article-post/2162/DIVORCE-AND-AGENCY-VALUE-SEPARATING-GOODWILL/
... attract new ones with skill and personal qualities. In divorce cases involv...ch to determine that elusive value: personal professional goodwill. Roy L....
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/556/Retention-And-Renewals-Two-New-Steps-For-Producers-And-CSRs/
... Diamond recommends a two-step process for helping grow renewals and referrals. We all grew up learning our ABCs. There are 26 letters to the alphabet, but to insurance producers, only two letters really matter: C and R. The "C " relates to new and renewal business. It stands for CEO, COO, CFO, and other chiefs. Address your marketing to the "C " person. When you're prospecting, focus on the C person. When you do your research, find out all you can about this person. By focusing myopically on them, you'll win more accounts than you lose. The "R " zeroes in on agency profitability. It stands for retention, renewals, and referrals. This is your agency's value. When we all seem to know that it ... value of each client on your renewal list, along with all their policies, you can determine the rounding possibilities without having to wade through a file. Once you've organized your workflow based on client renewal dates, commit to deliver all renewals, no matter the size of your client, for the next 12 months. Use a checklist for all the policies your client might buy, including Life, Disability, Legal, your client's Personal Lines, Personal Lines for their employees, and referrals. Put a checkmark in the box opposite the policies you provide for each client. Any blank box is an opportunity for discussion. On site, hand your client a copy of this checklist and review the entire list of potential policies. Don't forget to include a column to capture at least three referrals. ...
https://completemarkets.com/Article/article-post/1535/LEGAL-OUTLINE-FOR-CALIFORNIA-AGENCIES-CHAPTER-6/
...e powers of attorney in case of disability. An agent is much more likely to b...set that can dissipate quickly on disability, retirement, or death if someone...
https://completemarkets.com/Article/article-post/1404/WHAT-TO-ASK-AND-NOT-TO-ASK-ON-JOB-APPLICATION-FORMS/
...onal origin, ancestry, physical disability, sexual orientation, or military st...u may not ask specifically about a disability, but you can make a job offer th...