BULLETIN NO. LIFE & HEALTH 2013-01, PC 2013-04
TO: ALL ENTITIES REGULATED BY THE OKLAHOMA INSURANCE DEPARTMENT, INLCUDING LIFE AND HEALTH INSURERS, HEALTH MAINTENANCE ORGANIZATIONS, THIRD PARTY ADMINISTRATORS, PROPERTY & CASUALTY INSURERS, LICENSED IN THE STATE OF OKLAHOMA RE
: TORNADO EMERGENCY, MAY 19 -20, 2013 FROM: JOHN D. DOAK, OKLAHOMA INSURANCE COMMISSIONER
DATE: May 23, 2013
The tornado and severe storms that occurred on May 19 and 20, 2013 in central Oklahoma produced a disruption in the insurance industry, resulting in many Oklahomans being unable to timely act or respond to their insurance needs and make timely premium payments on their insurance policies. The storms also caused disruptions in the notification processes required by insurance statutes and regulations relating to cancellations, non-renewals, reinstatements, and claim adjudication.
On May 19, 2013, Governor Mary Fallin issued Executive Order 2013-20, declaring a disaster emergency for the counties of: Caddo, Cleveland, Comanche, Creek, Garfield, Grant, Greer, Kiowa, Lincoln, Logan, McClain, Okfuskee, Oklahoma, Pawnee, Payne, and Pottawatomie
to be effective from the date of her signature for a period of thirty (30) days. The Oklahoma Insurance Department is issuing this Bulletin to assist individuals and entities regulated by the Oklahoma Insurance Department as they deal with the exigencies caused by the May 19 and 20, 2013 storms.
The following applies to any and all insuring entities, including, but not limited to health maintenance organizations, accident and health insurers, third party administrators, discount medical plan organizations, property and casualty insurers, surplus and excess lines insurers, county mutual insurers, regarding all types of personal and commercial lines of insurance, including, but not limited to property and casualty insurance, life insurance, accident and health insurance, disability insurance, and any personal coverage offered by an entity regulated by the Oklahoma Insurance Department. 1. Coverage for insureds in the affected counties shall continue under all insurance policies in effect immediately preceding the severe storms occurring on May 19, 2013, and shall remain in effect until such time as Executive Order 2013-20 is terminated. Insurers cannot cancel, nonrenew, or terminate coverage while this Bulletin is in effect. This period of time is a grace period during which consumers can take those actions necessary to keep their policies in force. 2. Insureds in the affected counties may request and obtain a copy of any of their insurance policies free of charge. This provision is self-explanatory. 3. Any rate increase for insurance policies in affected counties with an effective date on or after May 19, 2013 shall be deferred during the pendency of this emergency. The coverage shall remain in effect at the previously established rate. Rate increases filed with the Department with an effective date on or after May 19, 2013, shall be ineffective until the emergency terminates.
The Department recognizes that rating territories and counties are not necessarily aligned and that insurers may have difficulty identifying and extracting policies in the affected counties. Additionally, some insureds may have already received a notification or a policy containing a rate increase with an effective date on or after May 19, 2013, or some insureds may have already made a payment based on the increased rate. Pursuant to the Executive Order, insurers may not collect, and if collected must refund, rate increases effective on or after May 19, 2013.
If an insurer has concerns with renewals issued prior to May 19, 2013, with an effective date falling within the emergency period, please contact the Department to discuss a proposed compliance plan of action. 3625 NW 56th Street, Suite 100 • Oklahoma City, Oklahoma 73112• Toll Free (In State) (800) 522-0071 • Fax: (405) 521-0125 4. When prescription drug coverage exists for insureds of the affected counties, insurers shall allow insureds to obtain refills of their prescriptions even if the prescription was recently filled. Individuals may not have access to their prescription medications as a result of storm damage. Insurers should work with their insureds and members to provide coverage for replacement medications. 5. Any licensed public adjuster performing services in the affected counties shall exhibit their adjuster license to any prospective client before entering into any contract for the performance of or before performing adjustment or settlement services. This provision protects consumers from unlicensed adjustment activity. In Oklahoma, public adjusters must pass a competency test, pay a bond, and pay an application fee before being licensed by the Department. Application information is available on the Department’s web site: www.oid.ok.gov. 6. No person required to be licensed as a public adjuster by the Department shall require the insured to pay a fee in advance of the payment of the insurance company with respect to a claim in Caddo, Cleveland, Comanche, Creek, Garfield, Grant, Greer, Kiowa, Lincoln, Logan, McClain, Okfuskee, Oklahoma, Pawnee, Payne, and Pottawatomie counties. This provision is self-explanatory. 7. The insured has the right to cancel any contract with a licensed public adjuster performing adjustment or settlement three days from the date the insured signed any contract. Consumers have the right to cancel any contract with a public adjuster without providing an explanation. If a consumer changes his or her mind about a public adjuster contract, the consumer should notify the public adjuster as soon as possible. 8. No adjuster may, directly or indirectly, own or have a pecuniary interest in any business entity which provides construction or reconstruction related services on behalf of an insurance claimant for which the adjuster is providing services, nor may the adjuster, directly or indirectly, own or have a pecuniary interest in any other business entity which furnishes any supplies, material, services, or equipment purchased by or on behalf of the claimant unless providing services on a claim which is located in the county in which the adjuster maintains their principal place of business, or in a 3625 NW 56th Street, Suite 100 • Oklahoma City, Oklahoma 73112• Toll Free (In State) (800) 522-0071 • Fax: (405) 521-0125 municipality having a population of less than six thousand (6,000) persons; provided the adjuster gives written disclosure of the potential conflict of interest to both the insured and insurer prior to the performance of any adjuster services. This provision is self-explanatory.
Failure to comply with the requirements of Executive Order 2013-20, may subject an individual or entity to penalties authorized in Title 36 O.S. §§ 619, 1219.4, 1435.13, 6103.3, 6220, 6925. This Bulletin is effective for the duration of Executive Order 2013-20.
Questions or comments applicable to this bulletin should be directed to: Denise Engle, Mike Rhoads, or Susan Dobbins at:
Oklahoma Insurance Department
Five Corporate Plaza, 3625 NW 56th Suite 100
Oklahoma City, OK 73112
405-521-2828
The Oklahoma Insurance Department encourages readers of this notice to periodically check the Department’s web site http://www.oid.ok.gov/ for news and updates to Bulletins and other relevant material.
Thursday, May 30, 2013
Time Extension For Premium Payments
This memo is in response to the Bulletin from the Oklahoma Insurance Commissioner dated May 23, 2013, related to the tornado emergency May 19-20, 2013. A copy of the bulletin is attached.
To comply with this bulletin, American National Property And Casualty Companies (ANPAC®) will expand the offer of extensions of time to pay insurance premiums for affected Oklahoma policyholders in the following counties:
Caddo, Cleveland, Comanche, Creek, Garfield, Grant, Greer, Kiowa, Lincoln, Logan, McClain, Okfuskee, Oklahoma, Pawnee, Payne, and Pottawatomie.
This extension of time will not relieve the customer of any amount due. Earned premium will continue to accrue until the billing amount is eventually paid after the disaster declaration has ended. We will comply with the bulletin to provide the extension for a period of 30 days, unless extended by the state.
We will automatically notify customers whose policies are insured billed and have current amounts due. This will not include any policy on Easy Pay or that is mortgagee billed; those policies will continue to process under normal billing and collection processes. The notice we will mail to current policyholders with premium due is titled "Disaster Premium Notice" and includes the following message:
In response to the disaster in your area on or about May 20, and recognizing the potential impact on your life and property we are providing you the option of paying your current policy balance or deferring payment until a later date. Deferring your premium payment will not eliminate your obligation to pay for coverage provided by your policy. Your policy will remain in force at this time. You may be receiving this notice due to a change in your billing method from Easy Pay to insured bill.
Should you choose to pay the premium or a portion of it at this time, please return the bottom portion of this form with your check or you may pay on-line at
www.anpac.com.
Page 2 of 2
If you have questions concerning the status of your policy, please contact your agent.
For Oklahoma commercial lines serviced at the Albany Office, you should encourage your clients to contact you or the company and request the needed extension prior to the policy lapsing or prior to the last day of coverage. Brian Austin will handle any requests by agent offices or insureds for extensions of time to pay the premium for Oklahoma policies. Please contact Brian at 1-800-843-3276, extension 5739, for such a request.
QUESTIONS? Please direct any questions you may have to your Multiple Line General Agent so he/she can secure answers from your Home Office Underwriting Manager.
To comply with this bulletin, American National Property And Casualty Companies (ANPAC®) will expand the offer of extensions of time to pay insurance premiums for affected Oklahoma policyholders in the following counties:
Caddo, Cleveland, Comanche, Creek, Garfield, Grant, Greer, Kiowa, Lincoln, Logan, McClain, Okfuskee, Oklahoma, Pawnee, Payne, and Pottawatomie.
This extension of time will not relieve the customer of any amount due. Earned premium will continue to accrue until the billing amount is eventually paid after the disaster declaration has ended. We will comply with the bulletin to provide the extension for a period of 30 days, unless extended by the state.
We will automatically notify customers whose policies are insured billed and have current amounts due. This will not include any policy on Easy Pay or that is mortgagee billed; those policies will continue to process under normal billing and collection processes. The notice we will mail to current policyholders with premium due is titled "Disaster Premium Notice" and includes the following message:
In response to the disaster in your area on or about May 20, and recognizing the potential impact on your life and property we are providing you the option of paying your current policy balance or deferring payment until a later date. Deferring your premium payment will not eliminate your obligation to pay for coverage provided by your policy. Your policy will remain in force at this time. You may be receiving this notice due to a change in your billing method from Easy Pay to insured bill.
Should you choose to pay the premium or a portion of it at this time, please return the bottom portion of this form with your check or you may pay on-line at
www.anpac.com.
Page 2 of 2
If you have questions concerning the status of your policy, please contact your agent.
For Oklahoma commercial lines serviced at the Albany Office, you should encourage your clients to contact you or the company and request the needed extension prior to the policy lapsing or prior to the last day of coverage. Brian Austin will handle any requests by agent offices or insureds for extensions of time to pay the premium for Oklahoma policies. Please contact Brian at 1-800-843-3276, extension 5739, for such a request.
QUESTIONS? Please direct any questions you may have to your Multiple Line General Agent so he/she can secure answers from your Home Office Underwriting Manager.
Friday, February 8, 2013
Tuesday, October 30, 2012
AMAZING FROZEN LEMONS!!!
Many professionals in restaurants and eateries are using or consuming the entire lemon and nothing is wasted. How can you use the whole lemon without waste?
Simple.. place the washed lemon in the freezer section of your refrigerator. Once the lemon is frozen, get your grater, and shred the whole lemon (no need to peel it) and sprinkle it on top of your foods.
Sprinkle it to your vegetable salad, ice cream, soup, cereals, noodles, spaghetti sauce, rice, sushi, fish dishes, whisky.... the list is endless.
All of the foods will unexpectedly have a wonderful taste, something that you may have never tasted before. Most likely, you only think of lemon juice and vitamin C. Not anymore.
Now that you've learned this lemon secret, you can use lemon even in instant cup noodles.
What's the major advantage of using the whole lemon other than preventing waste and adding new taste to your dishes?
Well, you see lemon peels contain as much as 5 to 10 times more vitamins than the lemon juice itself. And yes, that's what you've been wasting.
But from now on, by following this simple procedure of freezing the whole lemon, then grating it on top of your dishes, you can consume all of those nutrients and get even healthier.
It's also good that lemon peels are health rejuvenators in eradicating toxic elements in the body.
So place your washed lemon in your freezer, and then grate it on your meal every day. It is a key to make your foods tastier and you get to live healthier and longer! That's the lemon secret! Better late than never, right? The surprising benefits of lemon! Lemon (Citrus) is a miraculous product to kill cancer cells. It is 10,000 times stronger than chemotherapy.
Why do we not know about that? Because there are laboratories interested in making a synthetic version that will bring them huge profits.
You can now help a friend in need by letting him/her know that lemon juice is beneficial in preventing the disease. Its taste is pleasant and it does not produce the horrific effects of chemotherapy.
How many people will die while this closely guarded secret is kept, so as not to jeopardize the beneficial multimillionaires large corporations?
As you know, the lemon tree is known for its varieties of lemons and limes.
You can eat the fruit in different ways: you can eat the pulp, juice press, prepare drinks, sorbets, pastries, etc... It is credited with many virtues, but the most interesting is the effect it produces on cysts and tumors.
This plant is a proven remedy against cancers of all types. Some say it is very useful in all variants of cancer. It is considered also as an anti microbial spectrum against bacterial infections and fungi, effective against internal parasites and worms, it regulates blood pressure which is too high and an antidepressant, combats stress and nervous disorders. The source of this information is fascinating: it comes from one of the largest drug manufacturers in the world, says that after more than 20 laboratory tests since 1970, the extracts revealed that It destroys the malignant cells in 12 cancers, including colon, breast, prostate, lung and pancreas... The compounds of this tree showed 10,000 times better than the product Adriamycin, a drug normally used chemotherapeutic in the world, slowing the growth of cancer cells.
And what is even more astonishing: this type of therapy with lemon extract only destroys malignant cancer cells and it does not affect healthy cells. So, give those lemons a good wash, freeze them and grate them. Your whole body will love you for it!!!!!
Simple.. place the washed lemon in the freezer section of your refrigerator. Once the lemon is frozen, get your grater, and shred the whole lemon (no need to peel it) and sprinkle it on top of your foods.
Sprinkle it to your vegetable salad, ice cream, soup, cereals, noodles, spaghetti sauce, rice, sushi, fish dishes, whisky.... the list is endless.
All of the foods will unexpectedly have a wonderful taste, something that you may have never tasted before. Most likely, you only think of lemon juice and vitamin C. Not anymore.
Now that you've learned this lemon secret, you can use lemon even in instant cup noodles.
What's the major advantage of using the whole lemon other than preventing waste and adding new taste to your dishes?
Well, you see lemon peels contain as much as 5 to 10 times more vitamins than the lemon juice itself. And yes, that's what you've been wasting.
But from now on, by following this simple procedure of freezing the whole lemon, then grating it on top of your dishes, you can consume all of those nutrients and get even healthier.
It's also good that lemon peels are health rejuvenators in eradicating toxic elements in the body.
So place your washed lemon in your freezer, and then grate it on your meal every day. It is a key to make your foods tastier and you get to live healthier and longer! That's the lemon secret! Better late than never, right? The surprising benefits of lemon! Lemon (Citrus) is a miraculous product to kill cancer cells. It is 10,000 times stronger than chemotherapy.
Why do we not know about that? Because there are laboratories interested in making a synthetic version that will bring them huge profits.
You can now help a friend in need by letting him/her know that lemon juice is beneficial in preventing the disease. Its taste is pleasant and it does not produce the horrific effects of chemotherapy.
How many people will die while this closely guarded secret is kept, so as not to jeopardize the beneficial multimillionaires large corporations?
As you know, the lemon tree is known for its varieties of lemons and limes.
You can eat the fruit in different ways: you can eat the pulp, juice press, prepare drinks, sorbets, pastries, etc... It is credited with many virtues, but the most interesting is the effect it produces on cysts and tumors.
This plant is a proven remedy against cancers of all types. Some say it is very useful in all variants of cancer. It is considered also as an anti microbial spectrum against bacterial infections and fungi, effective against internal parasites and worms, it regulates blood pressure which is too high and an antidepressant, combats stress and nervous disorders. The source of this information is fascinating: it comes from one of the largest drug manufacturers in the world, says that after more than 20 laboratory tests since 1970, the extracts revealed that It destroys the malignant cells in 12 cancers, including colon, breast, prostate, lung and pancreas... The compounds of this tree showed 10,000 times better than the product Adriamycin, a drug normally used chemotherapeutic in the world, slowing the growth of cancer cells.
And what is even more astonishing: this type of therapy with lemon extract only destroys malignant cancer cells and it does not affect healthy cells. So, give those lemons a good wash, freeze them and grate them. Your whole body will love you for it!!!!!
Wednesday, September 5, 2012
Wednesday, February 8, 2012
How to Put Out Kitchen Fires
When a fire starts in the kitchen, you need to act fast to keep the fire from getting out of control. But how you act depends on what kind of fire you have and where it is. Follow these instructions for putting out kitchen fires:
• If you have a fire in the oven or the microwave, close the door or keep it closed, and turn off the oven. Don’t open the door! The lack of oxygen will suffocate the flames.
• If your oven continues to smoke like a fire is still going on in there, call the fire department.
• If you have a fire in a cooking pan, use an oven mitt to clap on the lid, then move the pan off the burner, and turn off the stove. The lack of oxygen will stop the flames in a pot.
• If you can’t safely put the lid on a flaming pan or you don’t have a lid for the pan, use your fire extinguisher. Aim at the base of the fire — not the flames.
• Never use water to put out grease fires! Water repels grease and can spread the fire by splattering the grease. Instead, try one of these methods:
o If the fire is small, cover the pan with a lid and turn off the burner.
o Throw lots of baking soda or salt on it. Never use flour, which can explode or make the fire worse.
o Smother the fire with a wet towel or other large wet cloth.
o Use a fire extinguisher.
• Don’t swat at a fire with a towel, apron, or other clothing. You’re likely to fan the flames and spread the fire.
• If the fire is spreading and you can’t control it, get everyone out of the house and call 911! Make sure everybody in your family knows how to get out of the house safely in case of a fire. Practice your fire escape route.
http://www.dummies.com/how-to/content/how-to-put-out-kitchen-fires.html
• If you have a fire in the oven or the microwave, close the door or keep it closed, and turn off the oven. Don’t open the door! The lack of oxygen will suffocate the flames.
• If your oven continues to smoke like a fire is still going on in there, call the fire department.
• If you have a fire in a cooking pan, use an oven mitt to clap on the lid, then move the pan off the burner, and turn off the stove. The lack of oxygen will stop the flames in a pot.
• If you can’t safely put the lid on a flaming pan or you don’t have a lid for the pan, use your fire extinguisher. Aim at the base of the fire — not the flames.
• Never use water to put out grease fires! Water repels grease and can spread the fire by splattering the grease. Instead, try one of these methods:
o If the fire is small, cover the pan with a lid and turn off the burner.
o Throw lots of baking soda or salt on it. Never use flour, which can explode or make the fire worse.
o Smother the fire with a wet towel or other large wet cloth.
o Use a fire extinguisher.
• Don’t swat at a fire with a towel, apron, or other clothing. You’re likely to fan the flames and spread the fire.
• If the fire is spreading and you can’t control it, get everyone out of the house and call 911! Make sure everybody in your family knows how to get out of the house safely in case of a fire. Practice your fire escape route.
http://www.dummies.com/how-to/content/how-to-put-out-kitchen-fires.html
Friday, January 20, 2012
How do I know I am hiring a qualified contractor?
We have all heard the stories about Homeowners that hire a Contractor for a project, confident they have made a good selection. The project starts on time and there is plenty of communication, work is going well, and then…the problems start. Work stops, phone calls are not answered, messages are not returned, and subcontractors are calling demanding to be paid. How could this happen? Hiring a qualified contractor can be a very daunting task. How do you know if the contractor you are about to hire is qualified to do the necessary work? Unfortunately, only 24 states currently require a residential builder or contractor to have a license; some only require contractors to register with the state in an effort to manage the classification of workers. Some states have no regulations at all. More states are likely to add a two-part testing system—similar to California’s— to qualify contractors based on their technical knowledge. These programs will not be instituted until the economy improves to support the programs’ administrative costs.
Do your homework - refer to contractors-license.org or the state license board to find if a contractor is licensed and the state license requirements. It is so important to verify that the company has registered to operate in that state. Builder associations that provide certifications can also be helpful.
For example:
• A contractor that does restoration work would
Likely have numerous certifications from the IICR (Institute of Inspection Cleaning and Restoration).
• A contractor that focuses on remodeling may
C O N S T R U C T I O N O V E R V I E W A N D D A T A E X C H A N G E
Helpful tips to make sure your contractor measures up:
• Get at least three bids
• Get three references and go see their work in person
• Confirm that the contractor has worker’s compensation for employees
• Never pay more than 10% down; do not pay cash
• Do not make final payment until you are satisfied with the work doing research at the state and the local level as well as with industry associations to find licenses and certifications and following our helpful hints will go a long way to ensuring a successful project.
Additional resources: CLSI (Contractor’s Licensing Service, Inc.) clsi.com NARI (National Association of the Remodeling Industry) nari.org NAHB (National Association of Home Builders) nahb.com
Local BBB (Better Business Bureau)
Jerry
Jerry Szeszulski (shoe shell ski)
We Take A Personal Interest~ Protecting What You Value Most:
office 918-254-2578 x227 fax 918-254-2580
Visit our website at: http://tulsahomeauto.com/
Do your homework - refer to contractors-license.org or the state license board to find if a contractor is licensed and the state license requirements. It is so important to verify that the company has registered to operate in that state. Builder associations that provide certifications can also be helpful.
For example:
• A contractor that does restoration work would
Likely have numerous certifications from the IICR (Institute of Inspection Cleaning and Restoration).
• A contractor that focuses on remodeling may
C O N S T R U C T I O N O V E R V I E W A N D D A T A E X C H A N G E
Helpful tips to make sure your contractor measures up:
• Get at least three bids
• Get three references and go see their work in person
• Confirm that the contractor has worker’s compensation for employees
• Never pay more than 10% down; do not pay cash
• Do not make final payment until you are satisfied with the work doing research at the state and the local level as well as with industry associations to find licenses and certifications and following our helpful hints will go a long way to ensuring a successful project.
Additional resources: CLSI (Contractor’s Licensing Service, Inc.) clsi.com NARI (National Association of the Remodeling Industry) nari.org NAHB (National Association of Home Builders) nahb.com
Local BBB (Better Business Bureau)
Jerry
Jerry Szeszulski (shoe shell ski)
We Take A Personal Interest~ Protecting What You Value Most:
office 918-254-2578 x227 fax 918-254-2580
Visit our website at: http://tulsahomeauto.com/
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