What Information Is In An Mib Report
An MIB report includes information about your life insurance applications over the last three to five years. Information found on an MIB report includes:
Date of any previous life insurance applications
Date of diagnosis or treatment for an illness
Known medical conditions
Types of treatment
Where the medical history came from
For example, if you had prostate cancer, underwent surgery, and previously applied for life insurance, your coded MIB records would show an underwriter that you had a previous operation, when it happened, and how that information was obtained .
The underwriter then uses that in conjunction with other information â themedical exam, additional physician statements, a prescription check â to make sure that everything matches up and the current application isnât missing any pertinent pieces of your health history.
Masshealth Coverage Types For Individuals And Families Including People With Disabilities
Described below are the six MassHealth coverage types offered to eligible individuals, families, and people with disabilities: Standard, CommonHealth, CarePlus, Family Assistance, Premium Assistance, and Limited. To apply for coverage, complete a Massachusetts Application for Health and Dental Coverage and Help Paying Costs . MassHealth will determine which program or MassHealth coverage type you can get. MassHealth will give you the most complete coverage that you can get. Your eligibility depends on things like income, citizenship or immigration status, age, and special circumstances. You must be a Massachusetts resident to get any of these services. You may have copayments for some services.
Practical Application Of The Health Impact Pyramid
The health impact pyramid, a framework for public health action, postulates that addressing socioeconomic factors has the greatest potential to improve health. Interventions that change the context for individual behavior are generally the most effective public health actions 1-time clinical interventions , such as immunizations, can be more effectively applied than those requiring ongoing care and clinical interventions are generally, although not inevitably, more effective than counseling and education .
Although the effectiveness of interventions tends to decrease at higher levels of the pyramid, those at the top often require the least political commitment. Achieving social and economic change might require fundamental societal transformation. Contextual change is often controversial, as evidenced by disputes over smoke-free laws, restrictions on artificial trans fat, and water fluoridation., One-time interventions tend to be less controversial, although immunization programs that attempt to reach all members of a society often meet resistance arising from suspicion and disbelief.
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Explain References To Legislation
When explaining a requirement that comes from an act or regulation, avoid mentioning the act or regulation by name. Include only the information people need to complete the task.
If you must include the name of the act or regulation, always give a plain-language description. First, explain what your audience needs to know and why they need to know more about the act or regulation. Then, you may add the reference to the act or regulation.
Examples of references to legislation
Write: You can apply for your child to become a Canadian citizen after they arrive in Canada as a permanent resident.
How Disability Income Insurance Works
Disabilities can cause a disruption in incomes and prevent people from maintaining their standards of living, paying their bills, or providing for their families. As many as 43% of individuals aged 40 will have a long-term disability by the time they turn 65. Enrolling in a disability income insurance policy can help individuals mitigate any losses that stem from an illness or accident that leads to a short- or long-term disability.
DI insurance isn’t designed to guarantee 100% of your regular income. Instead, it intends to replace between 45% and 65% of your gross income. As noted above, most employers provide their employees with DI insurance benefits. This type of program is referred to as group insurance coverage. Benefits are also available to insured individuals and their families through the Social Security Administration . Individuals may choose to purchase DI insurance to supplement existing coverage or if they don’t have any insurance at all.
You may have to pay taxes on your benefits if your employer pays for your DI insurance coverage.
Use We To Refer To The Government Of Canada
We generally provide information to people from the perspective of the government as a whole rather than from a specific institution.
Use “we” and “our” when writing on behalf of the Government of Canada.
Examples of statements that use “we” or “our” to refer to the Government of Canada
Write: If you started a new claim within the last 52 weeks and there are still weeks payable on that claim, we will automatically renew your existing claim.Instead of: If you started a new claim within the last 52 weeks and there are still weeks payable on that claim, Service Canada will automatically renew your existing claim.
Use “Government of Canada” when:
- describing Canada’s stance on a topic relative to another named jurisdiction
- explaining Canada’s role with respect to a topic or issue
Use the name of a specific institution in situations when the:
- institution will be contacting the person
- person needs to contact the institution by phone, mail or online process
- role of the institution in a process is relevant to the task
Examples of statements that refer to specific institutions
- The Canada Revenue Agency will inform you if you have to repay benefits.
- The Canadian Food Inspection Agency gives permits for some meat products.
- All restricted or controlled drugs need an import permit from Health Canada.
Don’t include references to your website on your website.
Example of a statement that doesn’t refer to Canada.ca on the Canada.ca site
Consider The Needs Of The Audience
When planning web content, consider people’s needs. Make sure that the content is accessible, clear and adapted to the widest audience.
Writing for accessibility
Making content accessible means a wide range of people can use it, including people with physical and cognitive disabilities .
To make your content accessible, consider how assistive technologies work and how some writing practices may impact people’s ability to read or understand text. Remember to also refer to the
Writing for inclusivity
Make gender-inclusive writing your standard practice. Avoid references to gender whenever possible.
For more guidance, including how to write inclusively in French, see the Translation Bureaus Gender-inclusive writing: correspondence.
Writing for specialized audiences
Sometimes, your content targets people who have in-depth knowledge of a subject.
When writing for a specialized audience, you can use terms they’re familiar with, even if those terms aren’t familiar to a general audience. Include a summary in plain language for:
- people who aren’t familiar with the subject
- specialists who might be scanning the content to decide whether it’s relevant to their task
Consider all screen sizes
People will view your content on different sizes of screens. Phone and tablet screens display less content than desktop and laptop screens. Readers who use small screens:
- have to go through more steps to access the same amount of information
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Use Simple And Common Words
Replace long words with short, simple and everyday words that most people understand and use. Simple words have 2 syllables or less. They’re easier to scan than long, complex words.
Example of simple and common words
Write: askInstead of: make a request
Write: you must
Instead of: in order to
Use Active Voice And Positive Form
Whenever possible use the:
- active voice instead of the passive voice
- positive form instead of the negative form
Active or passive voice
In an active sentence, the subject does the action. The sentence is clear and direct.
In a passive sentence, it may not be clear who or what is doing the action.
Example of passive and active sentences
Active: We may ask you to provide proof of citizenship.Passive: You may be asked to provide proof of citizenship.
Positive or negative form
Whenever possible, tell people what they may or must do instead of what they may not or must not do. Avoid negatives, double negatives and exceptions to exceptions.
Examples of positive and negative sentences
Positive: You’re entitled to part of the deduction.Negative: You’re not entitled to the entire deduction.
Positive: The procedure will be effective.Doublenegative: The procedure will not be ineffective.
Positive: You may claim a child born in 1972 or earlier as a dependent, if he or she has a mental or physical disability.Double negative: You may not claim anything for a dependent child born in 1972 or earlier, unless the child has a mental or physical disability.
If something has serious consequences, you can use the negative form to explain that something isn’t possible or should not be done.
Examples of using the negative form for something that has serious consequences
Write: Do not try to locate the source of carbon monoxide. Leave your home immediately and move to fresh air.
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United States Core Data For Interoperability
A USCDI Data Class is an aggregation of various Data Elements by a common theme or use case.
A USCDI Data Element is the most granular level at which a piece of data is exchanged.
For example, Date of Birth is a Data Element rather than its component Day, Month, or Year, because Date of Birth is the unit of exchange.
What Is The Medical Information Bureau
The MIB was founded in 1902 and works with life insurance companies to combat fraud by compiling information from previous life, health, disability, and long-term care insurance applications.
Underwriters use the MIB to verify that what youâve disclosed on your current application is consistent with previous applications so they can set your premiums accurately. Your rates aren’t solely based on your MIB report it’s mainly used to verify your medical history.
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Use Of The Style Guide
This style guide is referenced in the . The requirements apply to departments and other organizations of the federal public administration listed in Schedules I, I.1 and II of the Financial Administration Act.
These organizations must follow this style guide’s requirements for all public-facing websites and digital services, regardless of the technology, domain name or publishing platform used.
Changing The Context To Encourage Healthy Decisions
The second tier of the pyramid represents interventions that change the environmental context to make healthy options the default choice, regardless of education, income, service provision, or other societal factors. The defining characteristic of this tier of intervention is that individuals would have to expend significant effort not to benefit from them. For example, fluoridated waterwhich is difficult to avoid when it is the public supplynot only improves individual health by reducing tooth decay, but also provides economic benefits by reducing health spending and productivity losses. In countries without either adequate natural or added fluoridation, health authorities are limited to counseling interventions, such as encouraging toothbrushing.
Cardiovascular disease risk factors are currently addressed at the individual level through screening and medication. But even assuming perfect treatment, this approach fails to prevent almost half of the disease burden caused by elevated blood pressure cardiovascular risk increases with systolic blood pressure above 115 mm Hg, a level at which medical treatment is not recommended currently., Changing the environmental context so that individuals can easily take heart-healthy actions in the normal course of their lives can have a greater population impact than clinical interventions that treat individuals.
Use Short Sentences And Paragraphs
Be concise. Use as few words as possible to express an idea. By being concise, you’ll help everyone, even specialists, complete the task they set out to do.
Keep sentences and paragraphs short to make them easier to scan on any screen size. People who have learning disabilities may find it difficult to scan and understand long sentences and paragraphs.
Try to keep sentences under 20 words. You can do this by:
- breaking long sentences into shorter ones
- limiting each sentence to 1 idea
- removing unnecessary words
Examples of shortened sentences
Write: We received your request for funding and approved it. Instead of: We received your request for funding, which we’ve thoroughly reviewed and approved in a timely manner.
Write: We’ll consider any type of investment.Instead of: Any type of investment will be taken into consideration.
Try to keep paragraphs to 3 sentences. You can do this by:
- developing 1 main idea per paragraph
- presenting a series of more than 2 ideas or words as a vertical list
- using a short form for a long title instead of repeating it
Individuals Who Are Medically Frail
If you are medically frail, you may be able to get MassHealth Standard, which gives you more benefits. You are medically frail if:
- You have a medical, mental health, or addiction condition that limits your ability to work or go to school
- You need help with daily activities, like bathing or dressing
- You get regular medical care, personal care, or health services at home or in another community setting, like adult day care
- You are terminally ill
If you move to MassHealth Standard, there may be some more steps needed to get some of the added benefits that MassHealth Standard gives. For example, MassHealth may need more information or may need to make sure the benefits are necessary and right for you. Your doctor and MassHealth Customer Service can help explain these extra steps to you.
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Start With The Most Important Information
Start your content with the most important information, and be direct. When people scan web pages, they tend to start in the top left hand corner and scan to the right and down. As they move down the page, they scan less and less to the right.
Organize your content using an inverted pyramid structure to:
- guide your audience to the information they need to complete their task
- place supporting and relevant details toward the end of the text
Inverted pyramid divided into four sections, from top to bottom. The image shows the order of information on a web page.
- start with the most important idea, step or information
Get to the point
Omit background information and messages that welcome people to your program or site. These kinds of messages get in people’s way when they’re trying to accomplish a task.
Write direct statements.
Example of direct statements
Write: Present your passport to the border officer.Instead of: According to Canadian legislation, you’re required to present your passport to the agent who will welcome you into the country.
What Is Disability Income Insurance
The term disability income insurance refers to an insurance policy that provides income to individuals who can no longer work because of a disability. Disability income insurance helps protect people from financial losses if an accident or illness renders them incapable of working and receiving regular income.
DI insurance is available through employers, Social Security, or insurance companies and comes in short-term and long-term disability coverage. Premiums are based on a number of factors, including a person’s age and occupation. Policies pay benefits on a monthly basis.
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Write Useful Page Titles And Headings
In your page title, accurately describe what’s on the page. A descriptive page title is important because search engines often display the title without the context that the rest of the page provides.
Most people scan page titles and headings, looking for keywords that will confirm that they have found what they’re looking for. People who use assistive technology may listen for keywords using software or may use keyboard shortcuts to access all the headings on a page.
When writing a page title, heading or subheading, make sure that it:
- gives a clear idea of what follows
- is short and contains no unnecessary words
- contains the most relevant terms at the beginning
- makes sense on its own
- is followed by text and not by another heading, unless the heading introduces a table of contents on the same page
- has no punctuation at the end
- contains no abbreviation unless the audience knows it better than it knows its long-form equivalent
- contains no promotional messaging because it might confuse and stop people from navigating to the page
Make the page title unique
Most search engines identify relevant search results based on:
- page title
- use this style: Heading 4
- can appear many times in many subsections
Having clear and consistently formatted headings helps your web team produce the web pages more quickly and with fewer errors.
Delete the table of contents before you send the document for approval if it isn’t required for the final online version.
- “no data”
Why Life Insurance Companies Use The Mib
Checking your application against MIB records helps your insurer combat fraud. Life insurers set your rates based on how risky you are to insure â how likely you are to die during your coverage period. Thatâs why they pull documents like motor vehicle reports and health records and ask if you engage in any risky hobbies.
An MIB check ensures the insurance company isnât giving lower rates to someone who, for example, used to smoke, but omitted that information from a current application. Properly evaluating someone helps keep costs in check, which benefits an insurer and its customers.
Note that while independent life insurance brokers like Policygenius donât have access to your MIB file, they can advocate for you and work with multiple insurance companies to make sure you get the best rates possible when you apply for life insurance.
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