Loss Projection and Pricing of P&C Insurnace

Assignment Background

You work with the pricing actuary at Cash for Claims, a large Property/Casualty insurer. The CEO has some questions based on the most recent pricing analysis and the pricing actuary has asked you to assist with the response. Task #1 The proposed rates were not in the range the CEO expected given the pricing analysis. The CEO has asked the pricing actuary to verify the total projected loss cost excluding potential large storm losses for 2020. In turn, the pricing actuary has asked you to independently calculate the projected costs. All policies are 12-month policies. The rates will take effect July 1, 2020 and will be in effect for one year. In 2017 there was a large storm resulting in an additional 230 storm-related claims averaging 30,000 each. The company was able to settle 40% of all total claim liabilities relating to those claims within 2017 with the remainder being paid out in 2018. All other claims are completely settled by the end of year 4. The pricing actuary determined trend factors using the least squares method and determined the projected loss cost based on the loss costs for 2018 and 2019 with weightings of 40% and 60% respectively. You are to use the same methodology. The data and underlying model are in the Excel worksheet . Your response should include the projected loss costs for 2018 and 2019. Please show your work in an appendix.

Task #2

After agreeing that the previous pricing analysis was accurate, the CEO commented that the initially proposed rates per 1,000 have increased much higher than both the trend you had determined and the overall industry trend for losses. Discuss two to four factors that may be driving this. What possible actions could the insurer take to reduce rates for next year and beyond? What are the considerations that would need to be made with each of these actions? Please format your response as an email to the CEO.

Reflection of a case study.

Nursing :Reflection of a case study.

Assignment:  A written Reflection of a case that was discussed in one of the group clinical supervision (2000 words).

Four Learning Outcomes:

  1. Demonstrate a critical awareness the professional and leadership relevance of group clinical supervision.
  2. Identify and critically discuss the main themes that emerged from a case or clinical issue discussed in the group and relate these to promoting and developing resilience in care provision                                                                                                                                  This is the case presented and the themes that came up) Case presented: During one of the group clinical supervision, a female group members presented a case of a male patient in the forensic unit who stalked and killed his partner . It was reported that he liked to stalk women especially when he gets close. The reason she reason she presented this case is to know how she can keep herself and others safe.   Themes: The following are the themes that came during the supervision meeting: Safety, management of self, Shared responsibility, resilience, effective communication, responsibility and cultural competence.
  3. Analyse aspects of their own learning and developing ability to reflect and be reflexive through the process of Mental Health Clinical Supervision and Professional Development.
  4. Critically evaluate own personal and professional development, and articulate their suitability for employment as a registered mental health nurse.

Things to also think about:

  • What literature are you using to support your work ?
  • Why have you selected the literature you have ?
  • What do you think about what the literature says ?

Guide to writing the essay (Things to think about how these skills have developed):


  • Critique different definitions of reflection and how do they apply to the group and your participation in the group.
  • Purpose of reflection– link to practice and theory


  • What has challenged / developed you?


  • How do you give and receive feedback within a group?
  • Theory feedback loops / professional development / clinical practice / adjusting your position dependent upon the feedback.
  • How has your knowledge altered or been enhanced?

            Clinical Supervision

  • definitions
  • Purpose – why should we have clinical supervision?

           Group Clinical Supervision

  • Group theory and communication styles within the group
  • Advantages and disadvantages of being in a group

Note: Ensure you cover the following in your Essay and double check with the learning outcome:

  • Confidentiality must be maintained throughout the assignment.
  • What have you learned by being within supervision – clinically, about yourself, about others / groups, professionals.
  • Concluding with how and why your practice may or may not be altered as a result of being involved in group supervision.
  • Potentially with what you may like to take to supervision in the future to gain better understanding/ wider perspective for you personally.
  • Skills of facilitation techniques and methods of deconstructing and reconstructing, formulating, THINKING TOGETHER about practice.

Readings recomemded:

  1. https://books.google.co.uk/books?id=zorXOfhqLJoC&pg=PA210&dq=why+sit+in+a+circle+in+group+clinical+supervision&hl=en&sa=X&ved=0ahUKEwiUku-W24jpAhV2URUIHUzIC4sQ6AEIKDAA#v=onepage&q=why%20sit%20in%20a%20circle%20in%20group%20clinical%20supervision&f=false
  1. Bulman C. and Schutz S. (2013) Reflective Practice in Nursing 5th edition. Chichester: John Wiley & Sons Ltd.
  1. Cutcliffe JR., Butterworth T and Proctor B (2001) Fundamental Themes in Clinical Supervision London: Routledge.
  1. De Haan E., (2012) Supervision in Action – A Relational Approach to Coaching and Consulting Supervision Berkshire: Open University Press
  1. Freshwater D and Johns C (1998) Transforming Nursing Through Reflective Practice Oxford: Blackwell Science.
  1. Ghaye, T, and Lillyman, S. (2010) Reflection: Principles and Practices for Healthcare Professionals. London: MA Healthcare Ltd
  1. Hawkins P. and Shohet R. (2012) Supervision in the Helping Professions 4th edition Berkshire: Open University Press.
  1. Nursing and Midwifery Council (2018) Realising professionalism: Standards for education and training. NMC: London
  1. Proctor B. (2008) Group Supervision – A Guide to Creative Practice 2nd ed London: Sage.
  1. Thompson, S. and Thompson, N. (2008) The Critically Reflective Practitioner. Hampshire: Palgrave Macmillan.

Function of the complex payor system in US healthcare


In 2015, The Centers for Disease Control estimated the United States health expenditures were in excess of 3.2 trillion, or nearly double per person than any other country (CDC. 2017). The U.S healthcare expenditures are supported by a complex payer system, comprised of a combination of public governmental payers (Federal, State, and Local), private insurances and personal payments (out of pocket). Unlike many other developed countries, there is no singular payer or universal system of health insurance in the United States. Therefore, healthcare in the U.S. may be advanced, but it is expensive. The prohibitively high costs of healthcare insurance have ultimately limited access for many Americans to healthcare insurance coverage. The United States Census Bureau reported that 28.5 million people (8.8%) did not have health insurance in the year 2017 (U.S. Census Bureau, 2018).

Many of the private healthcare insurance programs in the United States rely heavily on employer/employee insurance coverage, where the employer provides the insurance plan, and both the employee and employer finance. Governmental or public insurance programs (Medicare, Medicaid) are mainly designed to provide coverage for the poor, the elderly and the disabled. Many individuals throughout the United States have both private and public health insurance, although there is very little systemization or organization between the two. Additionally, many U.S. individuals are uninsured or underinsured, having little to no health insurance. Although still able to receive healthcare, the uninsured are often unable to pay their healthcare bills resulting in the care being paid for by others or the uninsured going without care. In the recent past, with the efforts of the Affordable Care Act (ACA), insurance coverage was extended to millions of uninsured U.S. citizens, mandating insurance coverage and making affordable health insurance available to uninsured U.S. citizens. The recent changes to the ACA however, will have considerable effects, as the mandating of insurance for individuals will end.


Define and explain at least three challenges facing the US healthcare complex payer system. Research and address one strategy (at the federal, state, or local level; an example could be the Pre-Existing Conditions aspects of the ACA) that has been, or may be, implemented to resolve one or more of those challenges. What is the goal of that particular strategy, and how is it designed to achieve that goal?

Make sure your reader has the context necessary to understand the challenges and the strategy your examining.


·        FastStats – Health Expenditures


·        About the ACA


·        Is the U.S. Ready for a Single-Payer Health Care System?


·        United States : International Health Care System Profiles


·        Comparisons of Health Care Systems in the United States, Germany and Canada


·        Introduction to the U.S. health care system


·        Health Insurance Coverage in the United States: 2017


Astronomy: star project

Astronomy: star project

Be sure you cite all your references!

A Suggested resource: http://www.rssd.esa.int/index.php?project=HIPPARCOS&page=high_p


your project must clearly include (and identify) the following information about your star:

1.      Distance, Location, Names, and Magnitude.

  1. How far away is your star? Compare/contrast this with our Sun.
  2. Where is your star located?
  3. How would you go about finding it in the night sky (state where you are located)?
  4. What other names does your star have?
  5. What are the absolute and apparent magnitudes of your star? Be sure to explain what these two terms mean. Compare/contrast this with our Sun.
  6. Star’s Story. Find out more about your assigned star from a historical perspective. This is

not technical information but rather, myths, history, or cultures that involved your star.

  1. Classification. Discuss the specific spectra of your Be sure to explain what this means. Compare/contrast this with our Sun.

4.      H-R Diagram.

  1. Where does your star fit on the H-R diagram? Compare/contrast this with our
  2. Discuss this in terms of both its size and temperature. Compare/contrast this with our Sun.

5.      Lifetime.

  1. What is the lifespan of your star? Compare/contrast this with our Sun.
  2. How old is your star right now? Compare/contrast this with our Sun.
  1. Possibility of Life. Suppose that there is a planet orbiting your star that has the right conditions to sustain
  2. What would you do to communicate to that planet? Be sure to take into consideration how

far away your star is.

  1. How would you want our civilization to be seen by life on that planet?

Scoring Rubric

CategoryExcellent (9-10)Marginal (7-8)Unsatisfactory (0-6)
1a. DistanceCorrect including units; source citedCorrect; source citedIncorrect, or source not cited
1b. LocationCorrect including units; source citedCorrect; source citedIncorrect, or source not cited
1c. Night skyClear, accurate directions; source citedAccurate but somewhat unclear directions; source citedInaccurate, or source not cited
1d. Other names2 or more correct alternate names; source cited1 correct alternate name; source citedIncorrect, or source not cited
1e. MagnitudeAbsolute & apparent magnitudes correct; source citedEither absolute or apparent magnitude correct; source citedIncorrect, or source not cited
 Absolute & apparent magnitudes defined correctly; source citedEither absolute or apparent magnitude defined correctly; source citedIncorrect, or source not cited
 Correct comparison to Sun; source citedComparison 80% correct; source citedIncorrect, or source not cited
2. StoryCorrect history or myth or culture involving this star; source citedMostly correct history or myth or culture involving this star; source citedIncorrect, or source not cited
3. ClassificationSpectral classification correct; explained; compared to Sun; source citedMostly correct spectral classification correct; mostly explained; compared to Sun; source citedIncorrect, left out classification or explanation or Sun comparison; or source not cited
4a. H-R Diagram placementPlacement correct; correct comparison to Sun; source citedEither placement or comparison to Sun incorrect; source citedBoth incorrect, or source not cited
4b. H-R DiagramSize and temperature correct, related to H-R Diagram; correct comparison to Sun; source citedSize or temperature incorrect; or Sun comparison incorrect; source citedAll incorrect, or source not cited.
5a. LifetimeLifespan correct; correct comparison to Sun; source citedLifespan incorrect, or incorrect comparison to Sun; source not citedAll incorrect, or source not cited
5b. AgeAge correct; correct comparison to Sun; source citedAge incorrect, or incorrect comparison to Sun; source not citedAll incorrect, or source not cited
6a. Life – communicationReasonable communication described; source citedUnreasonable communication described; source citedSource not cited
6b. PerceptionWell-reasoned and well-written opinionWell-reasoned or well- written opinion 
MechanicsEntire presentation is free of grammar and spelling errorsSome minor errors existErrors interfere with understanding the meaning of the project
  Total (160 pts) 
  Scaled to 50 pointspossible

Health care reimbursement and billing system: USA

Describe international standard diagnosis classification use in the US.

Utilizing your textbook and the Library:

  • Describe the importance of proper coding in healthcare to ensure prompt reimbursement by answering the following questions:
    • Describe the role of finance in the healthcare system.
    • Describe the Diagnosis codes and how they are used, impacting reimbursement.
    • Describe the features of third-party payers
    • Explain the reimbursement methods used and the effects of coding on reimbursement


  • The minimum page limit is 2 pages or 600 words.
  • Include at least one reference. The course textbook may count towards the reference requirement for this Assignment. All references will follow APA format.
  • Respond to the questions in a thorough manner, providing specific examples of concepts, topics, definitions, and other elements asked for in the questions. Your submission should be highly organized, logical, and focused.
  • Your submission must be written in Standard English and demonstrate exceptional content, organization, style, and grammar and mechanics.
  • Your submission should provide a clearly established and sustained viewpoint and purpose.
  • Your writing should be well ordered, logical and unified, as well as original and insightful.
  • A separate page at the end of your submission should contain a list of references, in APA format. Use your textbook, the Library, and the internet for research.
  • Be sure to cite both in-text and reference list citations where appropriate and reference all sources. Your sources and content should follow proper APA citation style. Review the writing resources for APA formatting and citation found in Academic Tools. Additional writing resources can be found within the Academic Success Center.
  • Your submission should:
    • include a cover sheet;
    • be double-spaced;
    • be typed in Times New Roman, 12 -point font;
    • include correct citations
    • be written in Standard English with no spelling or punctuation errors; and
    • include correct references at the bottom of the last page.

Journal article writing


  1. Evaluating Credibility
    1. What journal was this study published in? Is it peer reviewed?
    2. What institution do the authors come from?
    3. What year did the study get published? What is the study topic? Do you consider this too outdated for the topic of study? Why?
  2. Introduction
    1. What is the question that the authors are trying to answer? That is, what is the primary question or focus of this study?
    2. What, if any, are the hypotheses?
  3. Method
    1. What type of design did the researchers use?
    2. How can the sample be improved to better represent the population?
    3. List the variables in this study and how they were measured?
  4. Results
    1. Were tables, graphs, charts used? If yes, were they used effectively?
    2. Were the statistical results presented for all main hypotheses?
  5. Discussion
    1. What was one weakness of the study? How can it be improved in a future study?
    2. What was one strength of the study?

Paper should be 5-6 pages, follow APA formatting (no abstract needed).  12-point font, Times New Roman, 1” margins.  You must also use other outside references (not Wikipedia).  Title page and References page do not count towards paper page numbering.

Social media and its impacts on norms


The prevalence of social media has had a huge impact on society in the area of how we tend to relate to each other and on what is considered to be normal in general. Taking a look at the ways in which social media changes attitudes and “norms” makes for an interesting study, and one that is applicable to understanding how society is slowly changing over time.

For this assignment, you will first conduct your own research on the effects of social media on societal norms (Part 1), then you will examine what has been found through previous research conducted by others (Part 2).

Part 1:

Compare and contrast the attitudes of two cohorts of people; one that consists of five people that rarely use social media and one cohort of five people that uses social media 2 or more hours a day.

Create a list of five people that you know that use social media at least 2 or more hours per day. This group of people will make up your first cohort. Then create a list of five people that you know that either do not use social media or use it very rarely. Take into account age when creating the cohorts, and try to keep the ages as similar as possible between the cohorts. Keeping a certain level of consistency in the two cohorts will help to negate the potential effects of generational differences. Provide a brief description of each of the ten people you are going to interview divided into their respective cohorts.

In other words, list the five people in the social media at least 2 or more hours a day, and provide a brief description of each along with why you chose them. Then provide a list of the five people that rarely or never use social media, and provide a brief description of each along with why you chose them.

Interview the participants to learn the similarities and differences between the two cohorts as it relates to attitudes, lifestyles, and relationships. Write a two-page paper comparing and contrasting what you learned about the two cohorts. Be sure to relate your findings to cultivation theory and socialization theory in the paper.

Part 2:

Now you will compare your research with research findings through previous research conducted by others. Look up at least 3 articles in the that relate to the topic of social media and its impact on society. You are not limited to articles that are strictly written on the specific topic of social media and norms. Articles that are covering social media and society are available from a wide number of angles. After studying these articles, write a two-page paper on what you learned on the topic of social media and its potential impact on societal attitudes, customs, and norms.

Film Reaction Essay

Impossible Dream

Produced and Written by Lyn Goldfarb and Alison Sotomayor

The Film Reaction is worth 100 points. The grading rubric for the Film Reactions are as follows: 1) Main idea is presented and your response is related to the questions presented, 2) Responses to questions are substantive and at least couple of sentences, 3) Evidence, quotes and/or specific examples are referenced in your reaction to buttress your assertions, and 4) Your responses must use standard grammar and writing mechanics.

The questions are below:

  1. Describe Tom Bradley’s campaign coalition that contributed to his successful bid as Mayor of Los Angeles in 1973.
  2. During the 1969 mayoral campaign, how did candidate Sam Yorty attempt to discredit candidate Tom Bradley, which contributed to Bradley’s loss of support among white voters? 3. Do you see any parallels between Sam Yorty’s tactics and those being used by candidates today?
  3. Tom Bradley described himself as fiscally conservative but liberal on other issues. Discuss 3 policies championed by Tom Bradley that demonstrated his liberal stance.
  4. Do you consider Tom Bradley’s 20 years as Mayor of Los Angeles a failure or success? Explain your position, indicating his successes and failures.

Case study: Computer science

Assignment is based on the case study – Waiters on Call Meal-Delivery System.

1) Reflection (as a journal entry): on how fundamentals concepts of systems analysis and design can be applied to the case study. This task requires you to critically apply your knowledge and understanding gained during weeks 1-5, such as user requirements (functional and non-functional), feasibility, information gathering and system requirements modelling.

Your reflection must be YOUR OWN and must NOT repeat the summary notes from your textbook or information copied from other resources. It should not have theory of system analysis and design alone. You should explain how theory can be applied to the case study given.

2) Two Modelling Diagrams :Create a Use Case Diagram and an Activity Diagram for the case study. You may create these diagrams for the entire system or for a sub-system such as Sales sub system, Account sub-system, production sub-system or any other.

Case Study Waiters On Call Meal-Delivery System:Opening Case

Waiters on Call is a restaurant meal-delivery service started in 2008 by Sue and Tom Bickford. The Bickfords

worked for restaurants while in college and always dreamed of opening their own restaurant. Unfortunately, the initial investment was always out of reach. The Bickfords noticed that many restaurants offer takeout food and that some restaurants—primarily pizzerias—offer home-delivery service. However, many people they met seemed to want home delivery with a wider food selection.

Sue and Tom conceived Waiters on Call as the best of both worlds: a restaurant service without the high

initial investment. They contracted with a variety of well-known restaurants in town to accept orders from customers and to deliver the complete meals. After preparing the meal to order, the restaurant charges Waiters on Call a wholesale price, and the customer pays retail  plus a service charge and tip. Waiters on Call started modestly, with only two restaurants and one delivery driver working the dinner shift. Business rapidly expanded, and the Bickfords realized they needed acustom computer system to support their operations. They hired a consultant, Sam Wells, to help them define what sort of system they needed.

“What sort of events happen when you are running your business that make you want to reach for a computer?” asked Sam. “Tell me about what usually goes on.”

“Well,” answered Sue, “when a customer calls in wanting to order, I need to record it and get the information to the right restaurant. I need to know which driver to  ask to pick up the order, so I need drivers to call in and tell me when they are free. Perhaps this could be included as a smartphone or iPad app. Sometimes, customers call back wanting to change their orders, so I need to get my hands on the original order and notify the restaurant to make the change.” “Okay, how do you handle the money?” queried Sam.

Tomjumped in. “The drivers get a copy of the bill directly from the restaurant when they pick up the meal. The bill should agree with our calculations. The drivers collect that amount plus a service charge. When drivers report in at closing, we add up the money they have and compare it with the records we have. After all drivers report in, we need to create a deposit slip for the bank for the day’s total receipts. At the end of each week, we calculate what we owe each restaurant at the agreed-to wholesale price and send each a statement and check.” “What other information do you need to get from the system?” continued Sam.

“It would be great to have some information at the end of each week about orders by restaurant and orders by area of town—things like that,” Sue said. “That would help us decide about advertising and contracts with restaurants. Then, we need monthly statements for our accountant.”

Sam made some notes and sketched some diagrams as Sue and Tom talked. Then, after spending some time thinking about it, he summarized the situation for Waiters on Call. “It sounds to me like you need a system to use whenever these events occur:

? A customer calls in to place an order, so you need to Record an order.

? A driver is finished with a delivery, so you need to Record delivery completion.

? A customer calls back to change an order, so you need to Update an order.

? A driver reports for work, so you need to Sign in the driver.

? A driver submits the day’s receipts, so you need to Reconcile driver receipts.

“Then, you need the system to produce information at specific points in time—for example, when it is time to:

? Produce an end-of-day deposit slip.

? Produce end-of-week restaurant payments.

? Produce weekly sales reports.

? Produce monthly financial reports.

“Am I on the right track?”

Sue and Tom quickly agreed that Sam was talking about the system in a way they could understand. They were confident that they had found the right consultant for the job.

Waiters On Call Meal-Delivery System (Part 2)

Recall that Waiters on Call has been working with Sam Wells on the requirements for its meal-delivery system. Sue and Tom Bickford want a new system that will automate

and improve their specialty business of providing customer-ordered, home-delivered meals prepared by a variety of local restaurants. Sam did a great job of identifying the use cases required for the delivery service, which impressed the Bickfords. And while working on the use cases, he continued to note all the business terms and concepts that the Bickfords used as they described their operations. He followed up with questions about the types of things they work with each day, which they answered. “Based on what you’ve told me,” Sam said, “I assume

you will need the system to store information about the following types of things, which we call data entities or domain classes: restaurants, menu items, customers, and orders. I also think you’re going to need to store information about the following types of things: drivers, addresses, routes, and order payments.” The Bickfords readily agreed and added that it was

important to know what route a restaurant was on and how far it might be to the customer’s address. They

wanted drivers to be assigned to a route based on the distances from place to place. “Yes, we need to decide how things need to be associated  in the system,” Sam agreed. “Can you tell me if

drivers pick up orders from several restaurants when they go out? Can you tell me how many items are usually included in one order? Do you note pickup times and delivery times? Do you need to plan the route so that hot dishes are delivered first?”

The Bickfords were further reassured that they had picked an analyst who was aware of the needs of their business.

Work experince reflective essay

Analysis of a piece of direct practice with a service user or carer that you have undertaken on your work experience.  

I have written some information regarding the placement, service user and purpose of intervention as a guide. Please can you elaborate on this. I need the answers to be written under the subheadings in order to know which questions have been answered.

In addition, please remain within the word count of 2000-2200 words maximum.

The assignment should Include:

  • Introduction.
  • Briefly describe the role of the organisation in which you were working (but must not name the actual agency). Outline briefly the legal or policy frameworks underpinning the work of this organisation.

Organisation Background: Unity is an organisation that provides 24-hour care and support services for adults (male/female) who are experiencing mental health difficulties and substance abuse. Notably, offering an array of mental health pathway services that include:

  • Homes for rehabilitation in the prevention of hospitalisation due to a mental health crisis
  • Rehabilitated (step-down) homes for those admitted in hospitals and or are in the process of being discharged
  • Support with tenancies, money and advice.
  • Briefly outline the circumstances of the service user or carer considering her/his ‘race’, ethnicity, linguistic status, gender and gender orientation, class, age, religion, whether s/he considers her/himself to be disabled, heterosexual, lesbian, gay or bisexual (if known) and any other relevant information.

Service user background: Anna is a 42-year-old white, English female with a diagnosis of mental health, coupled with physical health, social isolation, self-neglect, self-harm and suffers from epilepsy and anxiety. Sadly, both her parents are deceased, and mainly is known to have had a close bond and attachment with her mother, who was described by staff as having over-parented Anna, and as a result she lacks social interaction and confidence. Anna is dependent on her keyworker, forming an unhealthy relationship. Her unhealthy behaviour has impacted on her forming acceptable healthy relationships, particularly with her brother and aunt, limiting contact and communication.

  • Summarise what the purposes of your intervention were, how this was negotiated and the key features of the work you undertook together.

The purpose of my intervention is to work collaboratively with Anna’s keyworker and other colleagues, to promote independence, to build her confidence, to form healthy friendships and to participate in activities of interest to her.

  • Consider how your own experiences and values influenced your responses to the service user and how you have supported your emotional resilience during the work.
  • Discuss how you applied the ethical principles of social work as outlined by the Professional Capabilities Framework (PCF), the HCPC Standards of proficiency – Social workers in England (HCPC 2017) and HCPC Standards of conduct, performance and ethics (HCPC 2016), with specific reference to respecting professional boundaries, and anti-discriminatory and anti-oppressive practice principles, including, as appropriate, diversity, rights, justice and economic wellbeing.
  • Analyse the support and supervision available to you and how you made use of this.
  • Reflect on what you have learned from this piece of work.
  • Include an overall conclusion to the assignment.

Your assignment must demonstrate your capacity to use and apply relevant theory and  research evidence and to reflect on your practice. If you do not make reference

to the Professional Capabilities Framework (PCF), the HCPC Standards of proficiency –  Social workers in England (HCPC 2017) and the HCPC Standards of conduct, performance and  and ethics (HCPC 2016) you may fail the assignment. The assignment will be used to  assess your ability to produce written documents relevant to practice so must meet required  standards of written English and demonstrate a capacity to order and present information  clearly.

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