LOS ANGELES EMPLOYMENT LAWYERS #truck #lawyers, #class #actions #overtime #claims #misclassification #wrongful #termination #retaliation #discrimination #hostile #work #environment #age #discrimination #in #employment #act #ada #disability #discrmination #discrimination #cases #diversity #in #the #workplace #drugs #and #alcohol #in #the #workplace #employee #benefits #employee #privacy #rights #employment #contracts #equal #employment #opportunity #erisa #family #and #medical #leave #act #harassment #claims #and #investigations #non-compete #agreements #occupational #safety #and #health #law #personnel #policies #plant #closings #and #reductions #in #force #retaliation #claims #sexual #harassment #unfair #labor #practices #unemployment #claims #wage #and #hour #warn #compliance #sexual #discrimination #sexual #harassment #pregnancy #discrimination #race #discrimination #national #origin #discrimination #age #discrimination #religious #discrimination #sexual #orientation #family #and #medical #leave #employment #and #severance #agreements


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The Law Offices of Raphael A. Katri is a Los Angeles based labor employment law firm serving the Greater Southern California region with an emphasis on wage hour and wrongful termination litigation.

We Represent Employees and Independent Contractors in Various Types of Employment Disputes Including.

Class Actions
Overtime / Back Wages
Unpaid Commissions
Expense Reimbursement
Wrongful Termination
Retaliation / Discrimination
Hostile Work Environment / Harassment
Meal Rest Break Violations
And much. much more!

CONTINGENCY FEE ARRANGEMENTS!
FREE TELEPHONE CONSULTATIONS!

Our Clients Include Employees and Contractors from Various Industries and Positions Including.

Computer IT/IS Professionals
Computer Technology/Engineers
Account Executives Managers
Sales Representatives
Managers/Assistant Managers
Loan Consultants
Commission Sales Employees
Underwriters other Commissioned Bank Employees
Drivers / Couriers / Messengers / Truck Drivers
Hospital Employees
Retail / Restaurant / Supermarket
And many. many more!

– We offer a FREE initial telephone consultation and accept most of our cases on a Contingency Fee Basis – which means no out-of-pocket expenses to retain our firm!

– We only get paid if we recover on behalf of our contingency clients – which ensures that we have a strongest interest in getting our clients the best possible result!

– Call us or fill out a Contact Form to find out more information about our firm or to find out more about your rights!

LAW OFFICES OF RAPHAEL A. KATRI
8549 Wilshire Blvd. Ste. 200
Beverly Hills (Los Angeles), CA 90211


Homeowners Insurance #topsearch, #homeowners, #home, #condo, #renters, #policies, #dwelling


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Homeowners Insurance

Homeowners insurance pays to repair or replace your house and personal property if they’re damaged or destroyed by an event or occurrence covered by your policy. These events or occurrences are called “covered losses.”

Note: An insurance policy is a contract between you and your insurance company. Read it carefully to understand exactly what it covers and the dollar limit of the coverage. You should also understand your rights. Texas has a Consumer Bill of Rights for homeowners and renters insurance. Your company must send you the Bill of Rights when you get or renew a policy.

Texas Homeowners Policies

Most homeowners policies in Texas include the following coverages:

  • Dwelling pays if your house is damaged or destroyed by a covered loss.
  • Personal property pays if the items in your house (such as furniture, clothing, and appliances) are damaged, stolen, or destroyed.
  • Other structures pays to repair or rebuild structures not attached to your house, such as detached garages, storage sheds, and fences.
  • Loss of use pays your additional living expenses (housing, food, and other essential expenses) if you have to temporarily move because of damage to your house from a covered loss. Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).
  • Personal liability pays to defend you in court against lawsuits and provides coverage if you are found legally responsible for someone else’s injury or property damage.
  • Medical payments pays the medical bills of people hurt on your property. It might also pay for some injuries that happen away from your home, such as your dog biting someone at the park. A basic homeowners policy pays $500 in medical bills, but you may buy up to $5,000 in medical payments coverage.

Types of Policies

Insurance companies in Texas may sell several types of policies. If a company offers you a policy with less coverage than you’d like, ask if other policies are available. You may also be able to buy additional coverage by adding endorsements to your policy.

The two types of policies sold in Texas are

  • All-risk policies (also known as a comprehensive coverage or open perils coverage). These policies offer you broad protection and cover all causes of loss unless the policy specifically excludes them.
  • Named perils policies (also known as specified perils coverage). These policies offer narrower protection than an all-risk policy and cover only the causes of loss specifically named in the policy.

Note about replacement cost and actual cash value:

  • Replacement cost is what you would pay to rebuild or repair your home, based on current construction costs. Replacement cost is different from market value and doesn’t include the value of your land. Ask your company if you aren’t sure how much it would cost to rebuild your house.
  • Actual cash value is what you would pay to rebuild or replace your property minus depreciation. Depreciation is a decrease in value due to wear and tear or age. If your home is destroyed and you only have actual cash value coverage, you may not be able to completely rebuild.

To compare policies approved for sale in Texas, visit the Office of Public Insurance Counsel (OPIC) website at opic.texas.gov .

Policy Coverages

Companies may exclude coverage for certain losses. Even the most comprehensive all-risk policy will exclude certain types of damage.

The following chart shows the most common types of losses covered or excluded from a homeowners policy:


Volvo Car Insurance – Volvo insurance #online #insurance, #compare #insurance, #insurance #quotes, #online, #best, #india, #compare #india, #insurance, #compare, #car #insurance, #life #insurance, #health #insurance, #policies, #home #insurance, #travel #insurance, #corporate #insurance


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Volvo Car Insurance

Volvo is a Swedish multinational manufacturing company which came into existence in the year 1915 however it rolled it out first car in the year 1927. The Volvo group’s core activity included production, and sales of trucks, buses and machinery equipment. Volvo Cars is a separate entity since it was sold off in 1999. The company has its head quarters at Gothenburg and produces wide variety of luxury cars. It manufactures models ranging from SUVs, station wagons and luxury sedans. In India, Volvo has its head quarters in Gurgaon with its first dealership in Chandigarh. The company now has offices at New Delhi, Mumbai, Hyderabad, Kochi and Pune as well.

Cars in the Indian market

  • VOLVO V40: Volvo V40 hatchback has total length measuring at 4369mm and a width stretching about 1857mm (excluding the outside mirrors). Its overall height stands at 1420mm, which is quite low. This vehicle has a very long wheelbase of 2647mm.
  • VOLVO S60: The car is available in two fuel options with three engine configurations. Volvo S60 is a Sweden made compact car of executive edition and has been selling in the market since 2000.
  • VOLVO V40 CROSS COUNTRY: Volvo V40 Cross country is a luxury car with compactness of a hatch and comfort of a sedan. It was launched in India in April 2015. The car is available in Raw Copper metallic, Black sapphire, passion red, electric silver metallic, misty blue and crystal white pearl color variants.

Life Health Medicare Supplement Insurance Policies Austin TX #the #best #life #insurance #policies


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More Testimonials

It’s really nice to know I don’t have to worry about the insurance aspect of my life. Ray takes really good care of me and it’s obvious that he not only cares about each of his clients but he’s quite knowledgeable. He’s gone above and beyond for me to meet a deadline or make sure I’m completely happy with my choices and he will always have my highest recommendation. Wish I’d met him sooner.

Tina C. -Austin, TX

Ray Freer is my Medicare advantage agent and I recommend him highly. He’s polite, considerate and understanding and is able to explain the policies he endorses very well. I was very much a “hard sell” as I had some preconceived ideas from the previous year and it took a little work for him to get me to even talk to him about it. I’m glad I did though because everything he said was right and I’m very pleased with the decision we came to together. Customers would do well to let Ray represent them.

Tina Cavanaugh, Austin, TX

Thanks to Ray’s friendly and customer-focused interest without fees, my entire family was able to get medical insurance in one meeting! Thanks again, Ray.

Ray Freer was able to find my son an affordable health care policy that far exceeded what we thought he could get. Ray came up with an option that perfectly fit the need my son had and saved him several hundred dollars a year that he would have had to pay being added to his wife’s policy at work. As a parent it gave me a lot of peace of mind knowing that they were financially protected if there was a catastrophic medical emergency and that he could also get into see a doctor without having to dip into their savings. Ray, at RF Insurance Masters, is someone I can honestly and confidently recommend to my friends and family.

Billy Braxdale, Cedar Park, Texas
Braxdale Travel

Why use an Insurance Broker

A broker is independent licensed insurance agent that has multiple appointments and expertise to help you navigate the products you are considering. A broker can bring the product knowledge and experience to help you select, review and understand the products you are considering. The broker can support you should you have any questions, concerns or issues with your coverage. Using a broker does not increase your premium, so there is no cost to use a broker.

Important Dates

Oct 15 to Dec 7 2016

Medicare Annual Enrollment Period

November 1st – January 31 2017

Individual Health Insurance Open Enrollment Period

Insurance Products we Provide

Health
Life
Medicare

Copyright 2017 RF Insurance Masters Austin, Texas


20 Year Term Life Insurance – The Most Popular Term Life Plan #cheap #term #life #insurance #policies


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Get Quote in Seconds:

20 Year Term Life Insurance

It is common for young adults in their early twenties and thirties to put off looking into life insurance. They consider it something that they cannot afford and assume since they are in good health, it is not a priority. However, no matter how healthy someone is, accidents can happen at any time. Without life insurance to help make up missing income, families can quickly find themselves in financial trouble.

The good news is that there is an excellent low cost option for young people just starting out: twenty year term life insurance. Unlike whole life insurance plans, term life covers a preset period of time, which is usually 10, 20 or 30 years. This allows monthly premium payments to be much lower than other life insurance policies, especially if the insured is in good health. The goal of term life insurance is quite simple: it is there to replace lost income.

While this type of life insurance policy is easy to understand and extremely inexpensive, especially compared to other types of insurance, it is not for everyone. As with other kinds of insurance, the cost of monthly premiums is tied to the health of the insured. Therefore, people who are in their 20’s and 30’s are able to benefit from the lowest policy payments. Additionally, term life insurance only offers coverage for a set amount of time, unlike whole life insurance which is permanent and never expires. The majority of people who chose this type of life insurance intend to be able to self insure after the end of the policy period.

It is important to note that term life insurance is also not a viable option for estate planning or charitable giving, since there is no guarantee of a payout. Further, while it is an excellent option for the majority of families, people who have special needs children may want to consider full life insurance policies. Children with special needs may require funds to ensure that they are taken care of throughout their entire lives, and term life insurance may not be able to provide that.

There are several advantages to choosing term life insurance over other types of insurance. To begin with, it is simple to understand and as mentioned, offers the lowest cost way to provide a high benefit payout to beneficiaries. People are guaranteed the same level premium rate for the duration of the policy, so they do not have to worry about costs increasing over time or due to health issues. Another advantage of using term life insurance is that the payout is income tax free.

Further, while this type of life insurance is set to end when the term has completed, people still have the option of extending their insurance policy on a year by year basis. While people do not have to have another medical exam, their policy premium is based on their age. This is usually a much higher amount than what they were paying for their original policy agreement, but the option is still available. Typically the premiums go up around 50% once the term period expires, however some can be as much as 100% more to convert from 20 year into a permanent policy depending on your age. You can ask your agent to provide you average term life insurance quotes for individuals 20 years older than yourself to get an idea.

When looking into term life insurance, there are two main options that people need to consider: the length of the term and the amount that they are insured for. Most people select term life insurance because they want to be sure that their children will be taken care of financially, should something happen to them. However, after 20 years, children should be able to support themselves, and this type of policy is no longer needed.

The other thing that people should consider when looking at term life insurance is how much they want their payment to their beneficiaries to be. Since the goal is income replacement, choosing a high payout option is not always the best decision, especially since the chosen amount will not be paid out after the term ends. To figure out a realistic payout amount, people should take their yearly income and multiply that number by between 25 or 35. This will take into account for additional income over the years and also ensure that there is more than enough money for a family to live off of without sending monthly premiums through the roof. If you make around $100,000 of annual income per year you would want to purchase a life insurance policy with a face amount of 1 million dollars or more. This will replace your income for about for years.

There are very few people that would not benefit from some form of life insurance, and no one can be sure what will happen to them from one day to the next. While full life insurance policies may be too expensive for many younger people, term life insurance offers people the ability to take care of their families for a low monthly premium. People can easily get a rate quote online to find out how much a term life insurance policy would cost them monthly. These quotes are free, look at pricing from a variety of insurers and only take a few minutes to complete.

About The Author

Lauren Cohen writes hundreds of 20 year term life insurance policies each year. She has the knowledge and experience to find you the best policy for the least amount of money!


Seniority Date and Service Credit: Employment: Human Resources: Categories: Policies: University Policies: Indiana University #dating #services


#date service

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This policy applies to all Staff employees.

Policy Statement

The university uses seniority dates and service credits to determine employees time off accrual rates, terminal pay limits, university and occupational unit seniority, and eligibility for other forms of accruals and privileges.

Procedures

  1. Use of University Seniority Date and Occupational Unit Seniority Date
    1. These dates are used to determine university and occupational unit seniority in the personnel policies listed below. This list is not exhaustive. See the specific policies for details.
      • Promotions and Transfers and Filling Positions
      • Reduction in Force
      • Overtime (assignments)
      • Vacation (scheduling)
      • Shift Preference
  2. Uses of University Service Credit University service credit is used to determine time off accrual rates, identify eligibility for higher time off accrual rates, and determine terminal pay limits. It is also used as a factor in determining recipients in service recognition programs.

Definitions

  1. University seniority date
    1. Staff employees hired before January 1, 2003: The university seniority date is the date from which employment has been continuous in an appointed position including any continuous employment as a Temporary employee immediately preceding the appointed position at the same or greater percentage as the appointed position. This date is obtained from the existing HRIS database.
    2. Staff employees hired on or after January 1, 2003: The university seniority date is the date from which employment has been continuous in an appointed position. It excludes any employment as a Temporary employee. This date is obtained from the HRMS database.
  2. Occupational unit seniority date
    1. Staff employees hired before January 1, 2003: The occupational unit seniority date is the date from which employment has been continuous in an appointed position in the current occupational unit, including any employment in the occupational unit as a Temporary employee at the same or greater percentage as the appointed position. This date is obtained from departmental employment records.
    2. Staff employees hired on or after January 1, 2003: The occupational unit seniority date is the date from which employment has been continuous in an appointed position in the current occupational unit. It excludes any employment as a Temporary employee. This date is obtained from the HRMS database.
    3. Positions classified as Professional (PA) in all salary plans are considered to be in the same occupational unit. Each classification other than PA is considered to be a separate occupational unit. A list of occupational units is contained on the campus HR Web site.
  3. University Service Credit
    1. University service credit is the total amount of time, as defined below, that a person has been employed with the university. It is reported as either the number of years, months and days of service (e.g. 6 years, 5 months, 3 days) or as a percentage of years e.g. 6.42 years).
    2. Continuing Staff employees hired before January 1, 2003: The university service credit is based upon the adjusted service date (or university service date if no adjusted service date exists) contained within the HRIS database plus any employment in appointed and Temporary with Retirement positions after January 1, 2003.
    3. Staff employees hired on or after January 1, 2003 who had periods of employment before that date in an appointed position: The university service credit will be based upon the adjusted service date (or university service date if no adjusted service date exists) contained within the HRIS database plus any employment in appointed and Temporary with Retirement positions after January 1, 2003.
    4. Staff employees hired on or after January 1, 2003 with no university employment before that date: The university service credit will include all periods of employment in appointed positions plus periods of employment in Temporary with Retirement positions.
    5. Staff employees continue to accrue university service credit during unpaid leaves of absences for the following reasons:
      • FMLA
      • Non-FMLA Medical (Such leaves are limited to one year.)
      • Military
      • Temporary Reduction in Force
    6. Staff employees do not accrue university service credit during discretionary unpaid leaves of absence for reasons such as education, political leave of absence, and other voluntary leaves.

Sanctions

Managers, supervisors, and employees who violate this policy are subject to disciplinary action, up to and including termination.


Seniority Date and Service Credit: Employment: Human Resources: Categories: Policies: University Policies: Indiana University #flirting #tips


#date service

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This policy applies to all Staff employees.

Policy Statement

The university uses seniority dates and service credits to determine employees time off accrual rates, terminal pay limits, university and occupational unit seniority, and eligibility for other forms of accruals and privileges.

Procedures

  1. Use of University Seniority Date and Occupational Unit Seniority Date
    1. These dates are used to determine university and occupational unit seniority in the personnel policies listed below. This list is not exhaustive. See the specific policies for details.
      • Promotions and Transfers and Filling Positions
      • Reduction in Force
      • Overtime (assignments)
      • Vacation (scheduling)
      • Shift Preference
  2. Uses of University Service Credit University service credit is used to determine time off accrual rates, identify eligibility for higher time off accrual rates, and determine terminal pay limits. It is also used as a factor in determining recipients in service recognition programs.

Definitions

  1. University seniority date
    1. Staff employees hired before January 1, 2003: The university seniority date is the date from which employment has been continuous in an appointed position including any continuous employment as a Temporary employee immediately preceding the appointed position at the same or greater percentage as the appointed position. This date is obtained from the existing HRIS database.
    2. Staff employees hired on or after January 1, 2003: The university seniority date is the date from which employment has been continuous in an appointed position. It excludes any employment as a Temporary employee. This date is obtained from the HRMS database.
  2. Occupational unit seniority date
    1. Staff employees hired before January 1, 2003: The occupational unit seniority date is the date from which employment has been continuous in an appointed position in the current occupational unit, including any employment in the occupational unit as a Temporary employee at the same or greater percentage as the appointed position. This date is obtained from departmental employment records.
    2. Staff employees hired on or after January 1, 2003: The occupational unit seniority date is the date from which employment has been continuous in an appointed position in the current occupational unit. It excludes any employment as a Temporary employee. This date is obtained from the HRMS database.
    3. Positions classified as Professional (PA) in all salary plans are considered to be in the same occupational unit. Each classification other than PA is considered to be a separate occupational unit. A list of occupational units is contained on the campus HR Web site.
  3. University Service Credit
    1. University service credit is the total amount of time, as defined below, that a person has been employed with the university. It is reported as either the number of years, months and days of service (e.g. 6 years, 5 months, 3 days) or as a percentage of years e.g. 6.42 years).
    2. Continuing Staff employees hired before January 1, 2003: The university service credit is based upon the adjusted service date (or university service date if no adjusted service date exists) contained within the HRIS database plus any employment in appointed and Temporary with Retirement positions after January 1, 2003.
    3. Staff employees hired on or after January 1, 2003 who had periods of employment before that date in an appointed position: The university service credit will be based upon the adjusted service date (or university service date if no adjusted service date exists) contained within the HRIS database plus any employment in appointed and Temporary with Retirement positions after January 1, 2003.
    4. Staff employees hired on or after January 1, 2003 with no university employment before that date: The university service credit will include all periods of employment in appointed positions plus periods of employment in Temporary with Retirement positions.
    5. Staff employees continue to accrue university service credit during unpaid leaves of absences for the following reasons:
      • FMLA
      • Non-FMLA Medical (Such leaves are limited to one year.)
      • Military
      • Temporary Reduction in Force
    6. Staff employees do not accrue university service credit during discretionary unpaid leaves of absence for reasons such as education, political leave of absence, and other voluntary leaves.

Sanctions

Managers, supervisors, and employees who violate this policy are subject to disciplinary action, up to and including termination.


Seniority Date and Service Credit: Employment: Human Resources: Categories: Policies: University Policies: Indiana University #dating #in #the #uk


#date service

#

This policy applies to all Staff employees.

Policy Statement

The university uses seniority dates and service credits to determine employees time off accrual rates, terminal pay limits, university and occupational unit seniority, and eligibility for other forms of accruals and privileges.

Procedures

  1. Use of University Seniority Date and Occupational Unit Seniority Date
    1. These dates are used to determine university and occupational unit seniority in the personnel policies listed below. This list is not exhaustive. See the specific policies for details.
      • Promotions and Transfers and Filling Positions
      • Reduction in Force
      • Overtime (assignments)
      • Vacation (scheduling)
      • Shift Preference
  2. Uses of University Service Credit University service credit is used to determine time off accrual rates, identify eligibility for higher time off accrual rates, and determine terminal pay limits. It is also used as a factor in determining recipients in service recognition programs.

Definitions

  1. University seniority date
    1. Staff employees hired before January 1, 2003: The university seniority date is the date from which employment has been continuous in an appointed position including any continuous employment as a Temporary employee immediately preceding the appointed position at the same or greater percentage as the appointed position. This date is obtained from the existing HRIS database.
    2. Staff employees hired on or after January 1, 2003: The university seniority date is the date from which employment has been continuous in an appointed position. It excludes any employment as a Temporary employee. This date is obtained from the HRMS database.
  2. Occupational unit seniority date
    1. Staff employees hired before January 1, 2003: The occupational unit seniority date is the date from which employment has been continuous in an appointed position in the current occupational unit, including any employment in the occupational unit as a Temporary employee at the same or greater percentage as the appointed position. This date is obtained from departmental employment records.
    2. Staff employees hired on or after January 1, 2003: The occupational unit seniority date is the date from which employment has been continuous in an appointed position in the current occupational unit. It excludes any employment as a Temporary employee. This date is obtained from the HRMS database.
    3. Positions classified as Professional (PA) in all salary plans are considered to be in the same occupational unit. Each classification other than PA is considered to be a separate occupational unit. A list of occupational units is contained on the campus HR Web site.
  3. University Service Credit
    1. University service credit is the total amount of time, as defined below, that a person has been employed with the university. It is reported as either the number of years, months and days of service (e.g. 6 years, 5 months, 3 days) or as a percentage of years e.g. 6.42 years).
    2. Continuing Staff employees hired before January 1, 2003: The university service credit is based upon the adjusted service date (or university service date if no adjusted service date exists) contained within the HRIS database plus any employment in appointed and Temporary with Retirement positions after January 1, 2003.
    3. Staff employees hired on or after January 1, 2003 who had periods of employment before that date in an appointed position: The university service credit will be based upon the adjusted service date (or university service date if no adjusted service date exists) contained within the HRIS database plus any employment in appointed and Temporary with Retirement positions after January 1, 2003.
    4. Staff employees hired on or after January 1, 2003 with no university employment before that date: The university service credit will include all periods of employment in appointed positions plus periods of employment in Temporary with Retirement positions.
    5. Staff employees continue to accrue university service credit during unpaid leaves of absences for the following reasons:
      • FMLA
      • Non-FMLA Medical (Such leaves are limited to one year.)
      • Military
      • Temporary Reduction in Force
    6. Staff employees do not accrue university service credit during discretionary unpaid leaves of absence for reasons such as education, political leave of absence, and other voluntary leaves.

Sanctions

Managers, supervisors, and employees who violate this policy are subject to disciplinary action, up to and including termination.