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An independent medical examination may be conducted at the behest of an employer or an insurance carrier to obtain an independent opinion of the clinical status of the individual. Workers' compensation insurance carriers, auto insurance carriers, and self-insured employers have a legal right to this request. Should the doctor/therapist ...
LOMA administers a series of designation programs. The Fellow, Life Management Institute (FLMI) designation program, awards the FLMI designation to individuals who pass a series of 10 examinations; these insurance-focused examinations cover insurance, accounting, marketing, information systems, finance, law, management, and computers. [6]
The CIC certification program was started by the National Alliance for Insurance Education & Research in Austin, Texas in 1969. [1] Some CIC courses can be used to fulfill state continuing education requirements for licensing as an insurance agent. [2] The CIC program is for agency owners, producers, agents, brokers, and agency and company ...
Speaking with a licensed insurance agent may help you determine the best no-exam life insurance or if you could potentially qualify for a policy with a medical exam at a lower rate.
Screenshot of the DoDMERB Website, 8 Feb 2023. The Department of Defense Medical Examination Review Board (DoDMERB) is an element of the United States Department of Defense (DoD) which processes the medical components of admission for applicants to the United States Service Academies; Service Reserve Officer Training Corps (ROTC) programs; the Uniformed Services University of the Health ...
Unlike other options, guaranteed life insurance, a form of whole life insurance, bypasses the need for a medical exam for approval. Guaranteed life insurance offers a number of unique characteristics.
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The amount that is paid by the insurance is known as an "allowed amount". [19] For example, although a psychiatrist may charge $80.00 for a medication management session, the insurance may only allow $50.00, and so a $30.00 reduction (known as a "provider write off" or "contractual adjustment") would be assessed.