Topic

Economic Justice

2,875 petitions

Update posted 2 days ago

Petition to Elizabeth Warren, National Association of Insurance Commissioners

Enact the Insurance Bill of Rights

Insurance in one form or another is a part of everyone's life.  This petition will help establish clear guidelines for the insurance community on communication, customer service and paying claims. If you feel that: A code of conduct is needed for the Insurance Industry like the Hippocratic Oath for Physicians; Insurance is complicated and insurance products should be easier to understand; Insurance Companies should provide a higher level of customer service with the goal of providing solutions; That Insurance Agents & Brokers & Online Services should act on behalf of the Consumer and provide insurance products that fit a plan; Then sign this petition to support the Insurance Bill of Rights which would help to ensure that consumers have a better understanding of their insurance coverage and that agents and insurance companies have a set of clear guidelines in presenting and managing insurance policies. Insurance premiums can oftentimes be the average American household's largest monthly expense even exceeding housing costs when you consider all insurance premiums: Auto, Home, Health, Life, Disability, Long Term Care and other coverages.  According to the Bureau of Labor Statistics Consumer Expenditure Survey, 2014, insurance premiums are fifth behind housing, transport, food & beverage and pensions. It's a lot of money spent for increasingly more complicated financial vehicles. Insurance at it's core is a simple concept, yet it's undergone an evolution where it's no longer always a simple to understand product. With this complexity has come a greater amount of consumers having the wrong type of coverage, paying premiums for coverage they don't need and not having coverage that they do need. This can also make it easier for consumers to be taken advantage of. In my 30 years in the industry, I have seen many times instances where people suffer from not having the right coverage when a claim is made, to having coverage that they don't need and to being sold coverage that is harmful. Your support of The Insurance Bill of Rights will help Consumers to maximize their insurance coverage, minimize their premiums and to understand what they own. It would also help the Insurance Companies and Agents by having educated customers. Thank you for your consideration. The Insurance Bill of Rights: The Right to Have the Agent Act in Your Best Interest The Right to Receive Customized Coverage Appropriate to Your Needs The Right To Free Choice The Right to Receive an Answer to Any Question The Right to Pay a Fair Premium The Right to Be Informed The Right to be Treated Fairly and Respectfully The Right to Full Disclosure and Updates The Right to Quality Service and Fair Handling of Claims The Right to Change or Cancel Your Coverage and Be Notified of Any Change View an expanded version and learn more at www.insuranceliteracy.org.  Prepared by Tony Steuer, CLU, LA Insurance Literacy Advocate, Founder of The Insurance Literacy Institute, Creator of The Insurance Bill of Rights and Author of The Questions and Answers on Insurance Book Series.    All rights reserved

Tony Steuer
107 supporters
Update posted 2 days ago

Petition to Richard Burr, President of the United States, Donald Trump, Thom Tillis

Approve my Social Security Disability

I WANT TO PERSONALLY THANK EVERY ONE OF YOU FOR YOUR SUPPORT DURING THIS DIFFICULT JOURNEY IN MY LIFE.  YOUR SUPPORT, PRAYERS, ADVICE,  AND FRIENDSHIPS HAVE PUSHED ME THROUGH THIS PAST Year.  (I changed my main photo because some said it was too brutal to look at) MY STORY: Raleigh News and Observer article Three years ago, I was in a car wreck that left me with a traumatic brain injury. I now suffer from seizures: I simply black out, with no warning, several times a week. Because of this, I can never drive again; I can’t work. I can’t even shower alone, and I’m running out of hope. Before my injury, I was an electrician by trade. I always worked and supported my three children. I tried going back to work after the wreck, but my seizures forced me to stop. My multiple attempts to get on disability have been denied even though my medical history is well documented by hospitals, neurologists, doctors,  and psychiatrists.  I have given the Social Security office all the medical and financial records they have asked for. I have had a couple doctor's notes since 2014 that said I could not work because of my condition.  The health coverage I have from the county is not enough. It doesn’t pay for rehab or the weeks I’ve spent in the hospital due to further brain injury caused by falls during seizures. I have lost everything I worked for all of my life.  I feel so helpless. We’re looking at homelessness as a very real possibility, and all because the Social Security contract I entered into when I started paying in at 16 years old, has failed me. Please, I am not looking for handouts. Simply for the money I have paid into the system in my time of great need. Please call on the Social Security Administration (SSA) to grant me disability insurance, so that I may have a fighting chance to get better. I know I am not alone in this. I’ve talked to so many people going through similar hardships. My condition is getting progressively worse. I want so badly to live to raise my children to adulthood, to be a good role model for them, and teach them that it is possible to overcome any obstacle in this country.  I can only do that with some help. Please help me call on the SSA to grant me disability insurance. I have earned it, and I would not take it if I didn’t really need it.  Thank you for your time, God Bless, Christopher E Layne My life as I know it (click here) Every signature under here is probably going through the same hell or loves someone going through the same thing, fighting for their lives. Something has to change fast. One wrong fall and I will not be here any longer to see my chosen grow. Please help me by signing this petition.  It truly could mean life or death. A message from my daughter  

chris layne
72,228 supporters
Update posted 3 days ago

Petition to Donald J. Trump

End Predatory Healthcare Pricing

I recently served as president of a Miami hospital and got an insider’s view of the healthcare system. The lack of “legitimate” healthcare pricing has destroyed the system. Ask the price of any healthcare service and you will always receive the same answer: “What insurance do you have?”  Billing is determined by how much can be extracted from each patient on a case by case basis. Because billing rates are not set, the industry is able to prey on patients at their most vulnerable. And if you are out of network or uninsured, you pay the highest rates. A simple blood test for cholesterol can range from $10 to $400 or more at the same lab. Hospitalization for chest pain can result in a bill from the same hospital for the same services ranging anywhere from $3,000 to $25,000 or more. Price transparency initiatives are futile when prices may vary by a factor of 100 for the exact same service performed by the same provider. To stop the bleeding, Congress need only require that healthcare providers publish “legitimate pricing” which means, they can continue to set their own rates, but - a different rate for each patient - must be prohibited. Rates must be published in a uniform format such as industry standard CPT codes or a percentage of Medicare rates. Every citizen would be empowered to search any medical procedure online and see pricing for all providers within X miles. It would be as easy and familiar as checking the price of any other goods or services. Legitimate prices mean networks will be obsolete, along with the administrative burdens, tremendous costs, and limitations on patient choice which they impose. Reducing healthcare costs is the only way to materially lower health insurance premiums. Legitimate pricing will force providers to compete. Costs and therefore insurance premiums will plummet overnight. But if we keep the status quo, we will continue to see rising prices and outrage over medical bills. We shouldn’t have a system that makes us so powerless. To reverse our nation’s financial bleeding and end restrictions on patient choice, we petition for the President-Elect's support for Congress to empower citizens by mandating legitimate healthcare pricing.

STEVEN I. WEISSMAN, A Former Hospital President
111,886 supporters