Topic

insurance

41 petitions

Started 3 weeks ago

Petition to Governor Greg Abbott

We Want Full Coverage after Hurricane Harvey! Delay Texas House Bill 1774 Taking Effect.

I'm concerned about the property insurance laws changing this Friday, September 1st with Texas House Bill 1774 taking effect. We are safe on some aspects of the law that are changing as long as we file our claim before September 1st. However, "the law requiring more accurate damage estimates is only triggered after a homeowner files a lawsuit, and none of Harvey's victims are likely to sue before Friday" (Dallas Morning News, 8/29/17). I'm very concerned about this bill allowing and causing the insurance companies to deny more claims or provide inaccurate damage estimates due to this law. Currently, I fear that the insurance companies may be delaying the adjusters coming to assess property damage so that the insurance companies can benefit from the new laws that are part of this house bill. Liberty Mutual Insurance told me that the adjusters are being sent in from other cities and states. My Adjuster is from Louisiana, but the roads from there to Texas have been closed and yesterday the airports were still closed. How will my adjuster get to me before the law changes? I propose that Texas House Bill 1774 be delayed in taking effect until after residents have had a chance to get back to their homes and after insurance adjusters are able to assess damages, based on current law. Please join me in signing this petition to encourage Governor Greg Abbott and the Texas House to delay Texas House Bill 1774 from taking effect.

Heather Lorenz-Wong
9 supporters
Update posted 1 month 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
110 supporters
Update posted 1 month ago

Petition to Trent Ashby, Dan Patrick, Texas State House, Greg Abbott

Healthcare for Retired and Active Teachers

Recent changes, voted on by our elected officials, have escalated the price of health insurance for educators in Texas.  Retired teachers presently average $24,000 a year, and as of January 2018, in-network fees will increase 130% and the out-of-network will increase by 361%.  With these rising costs, the average retired teacher will have the bulk of his/her pension sucked away by heightened insurance premiums.  Retired teacher deductibles will also increase to $3,000 which is TEN times what it is now.  As it stands for current educators, in the upcoming 2017-2018 school year, ActiveCare 2 will increase to $2,004 for employees and their families.  Couple that with dental and vision insurance, and it totals a whopping $2,201.46.  Each district tries to help by contributing around $300; however, that still ends up being $1,816 a month for health, vision, and dental insurance.  On average, a teacher who has taught for 10 years makes about $50,000 a year ($4,166 a month).  Deduct withholding tax and medicare tax ($408), deduct TRS contribution ($329), deduct ins ($1,816), and the amount to be lived off of is $1,613 a month if they choose ActiveCare 2.  Let me put this into perspective for you...TRS insurance will cost MORE than what you are left with.  Even if deciding to go with another plan, the premiums and/or deductibles are still high.  There is no other profession in Texas that employs more than that of public education, yet we are not taken care of by the state of Texas.  Currently 700,000 active public educators and 270,000 retired teachers are looking to our elected officials to make moral and ethical decisions on the welfare of educators.    Why more teachers don't protest:  Teachers are some of the most loyal employees you will ever find.  For many, professional development is back in full force beginning next week.  Their loyalty to their district and students supersede that of fixing their own dire situation, hence how they managed to stay quiet this long.  Educators care for others and put themselves on the back burner.  Last year alone, Texas teachers spent around $200,000,000 of their OWN money to put back into their classrooms.  I have never seen any other profession give of themselves as teachers do.  It is time that the state of Texas bands together with and for them to show your support.   In signing this petition, you are pleading to Governor Greg Abbott and our elected officials to revisit the TRS healthcare for retired and current educators and make it affordable in comparison to average monthly incomes and cost of living in Texas.  This is not the responsibility of the school districts.  It is the duty of the state to manage teachers' healthcare premiums and deductibles, and as it stands, Governor Abbott, our senators, and our representatives have failed in doing so.   School Administrators, teachers, and other school employees, please copy and paste the link and send this out to your campuses/districts!!  We MUST finally come together and be heard!! #dontmesswithtexasteachers #changetrs  

Stephanie Quinn
96,505 supporters
Started 3 months ago

Petition to U.S. House of Representatives, Sanders Woodard, Subcommittee on Indian, Insular and Alaska Native Affairs

H.R.676 - Expanded & Improved Medicare For All Act 2017-2018

  Shown Here: Introduced in House (01/24/2017)Expanded & Improved Medicare for All Act This bill establishes the Medicare for All Program to provide all individuals residing in the United States and U.S. territories with free health care that includes all medically necessary care, such as primary care and prevention, dietary and nutritional therapies, prescription drugs, emergency care, long-term care, mental health services, dental services, and vision care. Only public or nonprofit institutions may participate. Nonprofit health maintenance organizations (HMOs) that deliver care in their own facilities may participate. Patients may choose from participating physicians and institutions. Health insurers may not sell health insurance that duplicates the benefits provided under this bill. Insurers may sell benefits that are not medically necessary, such as cosmetic surgery benefits. The bill sets forth methods to pay institutional providers and health professionals for services. Financial incentives between HMOs and physicians based on utilization are prohibited. The program is funded: (1) from existing sources of government revenues for health care, (2) by increasing personal income taxes on the top 5% of income earners, (3) by instituting a progressive excise tax on payroll and self-employment income, (4) by instituting a tax on unearned income, and (5) by instituting a tax on stock and bond transactions. Amounts that would have been appropriated for federal public health care programs, including Medicare, Medicaid, and the Children's Health Insurance Program (CHIP), are transferred and appropriated to carry out this bill. The program must give employment transition benefits and first priority in retraining and job placement to individuals whose jobs are eliminated due to reduced clerical and administrative work under this bill. The Department of Health and Human Services must create a confidential electronic patient record system. The bill establishes a National Board of Universal Quality and Access to provide advice on quality, access, and affordability. The Indian Health Service must be integrated into the program after five years. Congress must evaluate the continued independence of Department of Veterans Affairs health programs.  

sanders woodard
32 supporters