722,266 results on '"INSURANCE"'
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2. The Long and Winding Road: Mapping the College and Employment Pathways to Teacher Education Program Completion in Washington State. Working Paper No. 288-0723
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National Center for Analysis of Longitudinal Data in Education Research (CALDER) at American Institutes for Research (AIR), Goldhaber, Dan, Krieg, John, Liddle, Stephanie, and Theobald, Roddy
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Nationally, more than 75% of individuals who are credentialed to teach are prepared in traditional college- or university-based teacher education programs (TEPs). But the college and employment pathways that prospective teachers take to TEP enrollment and completion have not been comprehensively examined. A better understanding of how credentialed individuals find their way into TEPs helps us understand the sources of new teacher supply early in the prospective teacher pipeline. With that in mind, we analyze pathways into and through TEPs using historical postsecondary and unemployment insurance data from Washington state. We find that the pathways are quite varied with around 40% of bachelor's-level TEP completers spending at least some time in community colleges and less than 40% enrolling and finishing at the same university directly after high school. Pathways to master's TEP completion are even more varied, with almost half of the completers having prior employment experience. For researchers, this varied landscape raises important questions about the relationship between pathways, candidate persistence, and eventual job performance. For policymakers, the results suggest that efforts to recruit the next generation of teachers need to look beyond the pool of students already enrolled at a 4-year university to include students at 2-year colleges or in the labor force who might be interested in entering a TEP.
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- 2023
3. Rehabilitation Access for Individuals with Cognitive-Communication Challenges after Traumatic Brain Injury: A Co-Design Study with Persons with Lived Experience
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Yvette Hou, Aileen Zhou, Laura Brooks, Daniella Reid, Lyn Turkstra, and Sheila MacDonald
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Background: Adults with traumatic brain injuries (TBI) frequently experience cognitive, emotional, physical and communication deficits that require long-term rehabilitation and community support. Although access to rehabilitation services is linked to positive outcomes, there can be barriers to accessing community rehabilitation related to system navigation, referral processes, funding, resource allocation and communications required to ensure access. Aims: This study aimed to identify barriers to accessing insurer funding for rehabilitation and healthcare services, for adults with TBI injured in motor vehicle collisions (MVCs). Methods: We used a co-design approach to collaborate with persons with lived experience to design a survey of adults who sustained a TBI in an MVC. The survey examined access to insurer funding for rehabilitation services and was disseminated through brain injury networks in Ontario, Canada. Results: Respondents (n = 148) identified multiple barriers to accessing rehabilitation services through insurer funding, including delays of more than 2 years (49%), mandatory duplicative assessments (64%) and invasion of privacy (55%). Speech-language therapy and neuropsychological services were denied most frequently. Negative experiences included insurers' poor understanding of TBI symptoms, denials of services despite medical evidence demonstrating need and unsupportive insurer interactions. Although 70% of respondents reported cognitive-communication difficulties, accommodations were rarely provided. Respondents identified supports that would improve insurer and healthcare communications and rehabilitation access. Conclusion & Implications: The insurance claims process had many barriers for adults with TBI, limiting their access to rehabilitation services. Barriers were exacerbated by communication deficits. These findings indicate a role for Speech-language therapists in education, advocacy and communication supports during the insurance process specifically as well as rehabilitation access processes in general.
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- 2024
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4. Mapping the Field of Islamic Banking and Finance Education: A Bibliometric Analysis and Future Research Agenda
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Wahyudi, Rofiul, Handayani, Lina, Nuryana, Zalik, and Riduwan, Riduwan
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This article examined trends in Islamic education and finance publications using bibliometric analysis. The authors used co-citation and co-word analysis to examine 449 Islamic education and finance studies from Scopus database. In the co-citation analysis, 10 themes in Islamic education and finance were identified. After that, co-word analysis is used to understand and identify each research theme's potential future research directions. The results showed that per year the average publication of articles was 2.65. There has been extensive research on this topic in the United States (US) and the United Kingdom (UK), and the most popped-up keywords are 'education', 'finance education', 'banking education' and very limited 'Islamic finance education'. Further research can be developed using Islamic jurisprudence education, Islamic insurance education, Islamic capital market education, "zakat" education and "waqf" as keywords. In addition, the study offers a visualization map of theme patterns for future studies to create educational fields for Islamic banking and finance education, particularly in Muslim-majority nations like Indonesia, Malaysia, and the Middle East. This research contributes as a foundation for further research in enriching and developing knowledge about Islamic education and finance, especially in majority countries.
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- 2023
5. Cyber Insurance Concepts for the MIS and Business Curriculum
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Schwieger, Dana and Ladwig, Christine
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As the twenty-first century advances technologically, the era is also becoming notorious for the rise of organized cybercrime and attacks on business information and operations. Company data and intellectual property are considered the "New Oil" that generates value for organizations and their constituents. With the escalating number of cybersecurity incidents, businesses--especially small and medium-sized enterprises (SMEs)--are increasingly at risk of compromise and economic debilitation. Therefore, current and future business students would benefit from awareness of unfamiliar measures, such as cyber insurance, which can potentially reduce the devastating effects of a cyber incident. In this paper, the authors describe cyber insurance, present a framework that could be incorporated into the classroom to teach risk management techniques, and provide exercise resources.
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- 2022
6. Baccalaureate and Beyond (B&B:16/20): A First Look at the 2020 Experiences of 2015-16 College Graduates during the COVID-19 Pandemic. First Look. NCES 2022-251
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National Center for Education Statistics (NCES) (ED/IES), RTI International, Thomsen, Erin, Yates, Shauna, Henderson, Mihaela, Drummond, Mary, and Cooney, Jennifer
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This First Look presents selected findings on the work and life experiences of recent bachelor's degree earners before and during the COVID-19 pandemic. The findings in this report are based on data from the 2016/20 Baccalaureate and Beyond Longitudinal Study (B&B:16/20), which took place in 2020. B&B:16/20 is the second follow-up in a national study of students who completed the requirements for a bachelor's degree during the 2015-16 academic year. The first follow-up (ED596248) took place in 2017 and asked graduates about their bachelor's degree programs and any education or work in the first year after they earned their degree. This report describes the experiences of 2015-16 bachelor's degree earners during the coronavirus (COVID-19) pandemic, four years after graduation. Findings include professional and personal experiences during the COVID-19 pandemic, federal student loan repayment, employment status and characteristics, changes to work arrangements, and unemployment compensation during the COVID-19 pandemic. [For the summary to this report, see ED622732.]
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- 2022
7. Baccalaureate and Beyond (B&B:16/20): A First Look at the 2020 Experiences of 2015-16 College Graduates during the COVID-19 Pandemic. First Look--Summary. NCES 2022-251
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National Center for Education Statistics (NCES) (ED/OERI), RTI International, Thomsen, Erin, Yates, Shauna, Henderson, Mihaela, Drummond, Mary, and Cooney, Jennifer
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This summary report presents selected findings from the full report which describes the experiences of 2015-16 bachelor's degree earners during the coronavirus (COVID-19) pandemic, 4 years after graduation. The findings in this report are based on data from the 2016/20 Baccalaureate and Beyond Longitudinal Study (B&B:16/20), which took place in 2020. Findings include professional and personal experiences during the COVID-19 pandemic, federal student loan repayment, employment status and characteristics, changes to work arrangements, and unemployment compensation during the COVID-19 pandemic. [For the full report, see ED622730.]
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- 2022
8. Fostering Safer Schools: A Legal Guide for School Board Members on School Safety
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National School Boards Association (NSBA)
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The overarching goal of schools is to create a safe, supportive environment where students can thrive and learn. This begins with a dedication to students' social and emotional well-being, and effective policies and programs that create a culture of trust. Such a culture provides an optimal learning environment, and is also a proactive step towards avoiding conflict, violence, and legal liability. But to do school safety right is a herculean task that touches virtually every aspect of school policy and operations, and extends well beyond into the community at large, including every level of government, public safety agencies, community services programs, private agencies, places of faith, social research arms, families, and students themselves. No one resource can address every issue or question about keeping children safe. This updated guide provides a renewed look, through a legal lens, at key areas of concern that have emerged as looming issues that need attention as schools work to improve school safety. These include student mental health, crisis management, working with law enforcement, and legal liability. There are many issues that are not addressed here that will affect the decisions that school board members have to make to keep students safe. For example, this guide does not discuss building security, a key component of a school safety plan. The guide is intended as a primer for school boards and school leaders to begin their exploration into this important subject. The guide is designed to give school board members, as policy-makers for the district, an overview of: (1) schools' legal obligations and liability concerns; (2) best practices; and (3) available resources. [For the addendum, "COVID-19: Preparing for Widespread Illness in Your School Community. A Legal Guide for School Leaders. A Companion Guide to Fostering Safer Schools," see ED626161.]
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- 2022
9. Navigating Higher Education Insurance: An Experimental Study on Demand and Adverse Selection. Working Paper 32260
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National Bureau of Economic Research (NBER), Sidhya Balakrishnan, Eric Bettinger, Michael S. Kofo, Dubravka Ritter, Douglas A. Webber, Ege Aksu, and Jonathan S. Hartley
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We conduct a survey-based experiment with 2,776 students at a non-profit university to analyze income insurance demand in education financing. We offered students a hypothetical choice: either a federal loan with income-driven repayment or an income-share agreement (ISA), with randomized framing of downside protections. Emphasizing income insurance increased ISA uptake by 43%. We observe that students are responsive to changes in contract terms and possible student loan cancellation, which is evidence of preference adjustment or adverse selection. Our results indicate that framing specific terms can increase demand for higher education insurance to potentially address risk for students with varying outcomes.
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- 2024
10. Expanding Opportunities & Reducing Barriers to Work: Final Report Technical Supplement. Evaluation of Pilot Projects to Promote Work and Increase State Accountability in the Supplemental Nutrition Assistance Program
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Food and Nutrition Service (FNS) (USDA), Office of Policy Support (OPS), Mathematica, Dotter, Dallas, Mabli, James, Carlson, Barbara, Hartnack, Julie, DeCamillis, Mason, Paxton, Nora, Defnet, Amy, Schochet, Peter, Hamilton, Gayle, and Freedman, Stephen
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This technical supplement to the Supplemental Nutrition Assistance Program (SNAP) Employment and Training (E&T) evaluation final reports presents details of the technical approach used for creating analysis variables and estimating impacts of treatment group services on outcomes, including employment, earnings, and SNAP participation. It also describes the statistical approach used to measure participants' receipt of services and the costs grantees incurred when planning the pilots and providing services. The supplement begins with an overview of the evaluation design and data sources. Next, it discusses imputation procedures used when constructing the analysis data files (Chapter II). It then explains the construction of analysis weights (Chapter III), followed by the approaches used to estimate statistics measuring individuals' participation in services and activities (Chapter IV). The supplement then describes the approach used to estimate impacts for all individuals enrolled in the pilot and for subgroups of individuals (Chapter V). Finally, it discusses the approach used to measure and analyze pilots' planning and implementation costs and estimating the pilot benefits relative to their costs (Chapter VI). This supplement describes the technical approach used to produce findings presented in the 10 pilot-specific final evaluation reports and cross-pilot summary report. [Title cover varies: "Expanding Opportunities & Reducing Barriers to Work: Final Report Technical Supplement. (Evaluation of USDA, Supplemental Nutrition Assistance Program (SNAP) Employment and Training Pilots)." For the Final Summary Report, see ED620374.]
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- 2022
11. Out of the Gate, but Not Necessarily Teaching: A Descriptive Portrait of Early-Career Earnings for Those Who Are Credentialed to Teach. Working Paper No. 263-0422
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National Center for Analysis of Longitudinal Data in Education Research (CALDER) at American Institutes for Research, Goldhaber, Dan, Krieg, John, Liddle, Stephanie, and Theobald, Roddy
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Prior work on teacher candidates in Washington State has shown that about two thirds of individuals who trained to become teachers between 2005 and 2015 and received a teaching credential did not enter the state's public teaching workforce immediately after graduation, while about one third never entered a public teaching job in the state at all. In this analysis, we link data on these teacher candidates to unemployment insurance data in the state to provide a descriptive portrait of the future earnings and wages of these individuals inside and outside of public schools. Candidates who initially became public school teachers earned considerably more, on average, than candidates who were initially employed either in other education positions or in other sectors of the state's workforce. These differences persisted at least 10 years into the average career and across transitions into and out of teaching. There is therefore little evidence that teacher candidates who did not become teachers were lured into other professions by higher compensation. Instead, the patterns are consistent with demand-side constraints on teacher hiring during this time period that resulted in individuals who wanted to become teachers taking positions that offered lower wages but could lead to future teaching positions.
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- 2022
12. Identifying and Prioritizing Educational Content from a Malpractice Claims Database for Clinical Reasoning Education in the Vocational Training of General Practitioners
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van Sassen, Charlotte G. M., van den Berg, Pieter J., Mamede, Silvia, Knol, Lilian, Eikens-Jansen, Manon P., van den Broek, Walter W., Bindels, Patrick J. E., and Zwaan, Laura
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Diagnostic reasoning is an important topic in General Practitioners' (GPs) vocational training. Interestingly, research has paid little attention to the content of the cases used in clinical reasoning education. Malpractice claims of diagnostic errors represent cases that impact patients and that reflect potential knowledge gaps and contextual factors. With this study, we aimed to identify and prioritize educational content from a malpractice claims database in order to improve clinical reasoning education in GP training. With input from various experts in clinical reasoning and diagnostic error, we defined five priority criteria that reflect educational relevance. Fifty unique medical conditions from a malpractice claims database were scored on those priority criteria by stakeholders in clinical reasoning education in 2021. Subsequently, we calculated the mean total priority score for each condition. Mean total priority score (min 5-max 25) for all fifty diagnoses was 17,11 with a range from 13,89 to 19,61. We identified and described the fifteen highest scoring diseases (with priority scores ranging from 18,17 to 19,61). The prioritized conditions involved complex common (e.g., cardiovascular diseases, renal insufficiency and cancer), complex rare (e.g., endocarditis, ectopic pregnancy, testicular torsion) and more straightforward common conditions (e.g., tendon rupture/injury, eye infection). The claim cases often demonstrated atypical presentations or complex contextual factors. Including those malpractice cases in GP vocational training could enrich the illness scripts of diseases that are at high risk of errors, which may reduce diagnostic error and related patient harm.
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- 2023
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13. A Chapter-Based Online Resources Project for the Introductory Personal Finance Class
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Pettijohn, James B., Ragan, Kent P., and Ragan, Gay A.
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It is an easily observed reality that the typical college/university student is extremely comfortable with the use of technology and particularly with the use of the Internet. The authors contend that this fact almost requires that instructors of finance classes incorporate the use of web-based financial resources into their in-class presentations as well as their out-of-class assignments. Given the proliferation of online resources and the extensive website listings in most finance textbooks, we believe the difficulty is not locating resources; instead, it is one of choosing a set of resources that can be employed in efficient and effective ways to enhance both the interest and the learning of students. This paper attempts to address this situation by discussing a textbook chapter-based online project created to familiarize students with a beneficial selection of online personal finance related services, while supporting topics generally encountered in the first personal financial planning class. A template designed to simplify grading of the student project submissions also is included.
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- 2021
14. State of Working Pennsylvania 2021
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Keystone Research Center (KRC), Herzenberg, Stephen, Murtaza, Muhammad Maisum, and Kovach, Claire
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The United States and Pennsylvania economies are at a pivot point: Will we build forward better or will we build back the same? Will we make things even worse? This report revisits the policy choices that lie ahead. Most of this annual checkup on the Pennsylvania economy, the 26th "State of Working Pennsylvania," presents labor market and other economic data that amount to a statement of need: Pennsylvania and the United States must, finally and firmly, enact national and state policies that make our economy work for all, and for the common good. [For the 2019 report, see ED624085.]
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- 2021
15. Real Change or More of the Same? Analysing Australian Media's Portrayal of Intellectual Disability during the NDIS Rollout
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Winterbotham, Sonya, Knight, Bob G., and Preez, Jan
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Background: Through the filtering of information, the creation, and reinforcement of stereotypes, media moulds attitudes and set agendas on critical social issues including public policy and disability. Methods: This study explored Australian media representations of the care of people with intellectual disability during a crucial period in disability policy change: the National Disability Insurance Scheme (NDIS) rollout (2013-2018). Search criteria identified 168 news stories, examined via content analysis and news framing. Results: Four major issues were identified: Roles and responsibilities of government; housing; mistreatment of persons with intellectual disability, and responsibility of care for families. Stories tended to be presented negatively, however, regional and local/community metropolitan stories were more balanced or positive compared with major metropolitan stories. Conclusion: Despite significant disability policy change, media presentations continue to reinforce stereotypes of people with intellectual disability and position the government as one continuing to fall short in critical areas of funding, safety, and support.
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- 2023
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16. Embedding a Proof-of-Concept Test in an At-Scale National Policy Experiment: Greater Policy Learning but at What Cost to Statistical Power? The Social Security Administration's Benefit Offset National Demonstration (BOND)
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Bell, Stephen H., Stapleton, David C., Wood, Michelle, and Gubits, Daniel
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A randomized experiment that measures the impact of a social policy in a sample of the population reveals whether the policy will work on average with universal application. An experiment that includes only the subset of the population that volunteers for the intervention generates narrower "proof-of-concept" evidence of whether the policy can work for motivated individuals. Both forms of learning carry value, yet evaluations rarely combine the two designs. The U.S. Social Security Administration conducted an exception, the Benefit Offset National Demonstration (BOND). This article uses BOND to examine the statistical power implications and potential gains in policy learning--relative to costs--from combining volunteer and population-representative experiments. It finds that minimum detectable effects of volunteer experiments rise little when one adds a population-representative experiment, but those of a population-representative experiment double or quadruple with the addition of a volunteer experiment.
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- 2023
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17. Exploring Effective Information Use in an Insurance Workplace
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Inskip, Charles and Donaldson, Sophia
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As employability has become a more visible graduate attribute, it is becoming recognised that a better understanding of information practices in work may enable a smoother transition from university to employment. This paper discusses the current state of workplace information literacy and presents the findings of research into staff experiences of information use in a City insurance firm. A framework previously developed out of phenomenographic research into nursing is employed to draw parallels and highlight differences between insurance workplace and university student terminology. Context-specific hierarchical statements using the language of the participants are developed from coded interview texts. These statements, which are drawn together in illustrative personae, provide a rich and detailed view of the participants' experience of effective information use. It is suggested that a better understanding of language use in communities of practice would facilitate transition both between and within the communities.
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- 2021
18. Expanding Opportunities and Reducing Barriers to Work: Evaluation of USDA's Supplemental Nutrition Assistance Program (SNAP). Employment and Training Pilots: Final Summary Report (Summary). Research Summary
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Food and Nutrition Service (FNS) (USDA)
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The Agricultural Act of 2014 authorized $200 million for the development, implementation, and evaluation of up to 10 pilot projects to test innovative strategies to increase employment and reduce the need for SNAP among program participants. The 10 States that received grants were California, Delaware, Georgia, Kansas, Kentucky, Illinois, Mississippi, Vermont, Virginia, and Washington. Grantees began implementing their pilots between January and April 2016, and all pilot services concluded by April 2019. The Final Summary Report presents employment, earnings, SNAP participation, and other outcome findings that cover a 36-month period for individuals enrolled in the pilots by December 2017. It also presents findings from the implementation evaluation and cost-benefit analysis. The report summarizes findings from the 10 pilot-specific final evaluation reports. This summary highlights the methods and findings of the final summary report. [For the Final Summary Report, see ED620374.]
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- 2022
19. Pandemic-Related Provisions Expiring in the 117th Congress. CRS Report R46704, Version 5. Updated
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Library of Congress, Congressional Research Service (CRS), Scott, Andrew P., Jones, Katie, Smole, David P., Labonte, Marc, Aussenberg, Randy Alison, Lewis, Kevin M., Billings, Kara Clifford, Lindsay, Bruce R., Boyle, Conor F., Lowry, Sean, Colello, Kirsten J., Lynch, Karen E., Crandall-Hollick, Margot L., Marples, Donald J., Davis, Patricia A., McCarty, Maggie, Dilger, Robert Jay, Mitchell, Alison, Dortch, Cassandria, Myers, Elizabeth A., Driessen, Grant A., Perkins, David W., Fernandes-Alcantara, Adrienne L., Perl, Libby, Fernandez, Bernadette, Peterman, David Randall, Forsberg, Vanessa C., Rosso, Ryan J., Fountain, Joselynn H., Sherlock, Molly F., Gravell, Jane G., Skinner, Rebecca R., Hahn, Jim, Stoltzfus, Emilie, Halchin, L. Elaine, Tang, Rachel Y., Hegji, Alexandra, Topoleski, John J., Isaacs, Katelin P., and Whittaker, Julie M.
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Since March 2020, a number of laws have been enacted to provide relief to people and businesses affected by the COVID-19 pandemic. These include the Families First Coronavirus Response Act (FFCRA; P.L. 116-127) and the Coronavirus Aid, Relief, and Economic Security Act (CARES Act; P.L. 116-136), both enacted in March 2020; the Consolidated Appropriations Act, 2021 (P.L. 116-260), enacted in December 2020; and the American Rescue Plan Act of 2021 (ARPA; P.L. 117-2), enacted in March 2021. The laws enacted in response to the pandemic include a wide array of provisions, some of which are amendments to existing programs, benefits, and authorities, and others that are newly established. Many of these provisions were enacted on a temporary basis, where Congress specified an expiration date or a limited period during which they would remain in effect. Some provisions had been set to expire in 2020 or 2021 and were extended with the enactment of P.L. 116-260 or P.L. 117-2, both of which also established a number of additional pandemic relief provisions. For certain other provisions, Congress specified that availability would be tied to the duration of a declared emergency or disaster. This report identifies provisions enacted in response to the COVID-19 pandemic that are set to expire during the 117th Congress (i.e., before January 3, 2023). These provisions are presented in a series of tables organized by subject matter. The expiring provisions that are within the scope of this report are primarily those that define the authority of government agencies or other entities to act, usually by authorizing a policy, project, or activity. These include provisions that temporarily suspend or delay the period during which a provision of law, regulation, requirement, or deadline is in effect; establish a moratorium on a particular activity; or provide authorization for certain provisions of law, regulation, or other requirements to be waived.
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- 2021
20. The Centre for Insurance, Risk & Data Analytics Studies (CIRDAS): A Case Study for Flexible and Agile Online Adult Education for Work-Based Learners across the Insurance Sector in Ireland
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Lindsay Malone and Aidan Mahon
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This paper explores the Centre for Insurance, Risk and Data Analytics Studies (CIRDAS) as a case study of online adult education which offers flexible upskilling and reskilling opportunities to employees across the Irish insurance sector. It explores how CIRDAS's agile programme development enabled flexible entry, exit and progression routes for work-based learners. It took an innovative approach to the co-creation of programmes with industry representatives and the granular transversal nature of micro-credentials they offered. The experience of learners is shared to demonstrate the effectiveness of CIRDAS in meeting both employer and learner needs for flexible, stackable work-based learning.
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- 2023
21. Viral Scalability - Coping with Sudden Demand Swings
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Witman, Paul D.
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The rapid emergence of the novel coronavirus and its impact on human behavior provoked dramatic increases in human usage of a variety of systems. These increases had the potential to stress the scalability of the systems, testing whether the system owners had designed and built those systems to cope with sudden changes in demand. This case invites students to study a variety of different types of systems, and to analyze the means by which they can or did achieve scalability, and efficiently serve their customers.
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- 2021
22. Moral Policy = Good Economics: Lifting up Poor and Working-Class People--And Our Whole Economy
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Barber, William J., II, Barnes, Shailly Gupta, Bivens, Josh, Faries, Krista, Lee, Thea, and Theoharis, Liz
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When the coronavirus pandemic arrived, the United States was already deeply unequal. Before the pandemic, 140 million Americans were poor or near poor, living just one emergency above the poverty line. Inequality in the United States did not happen suddenly and cannot be explained as the consequence of individual failures; rather, decades of public policies brought the United States to this point, making the rich richer at the expense of everybody else. This article is a collaboration between the Poor People's Campaign: A National Call for Moral Revival--a moral movement rooted in the legacy of Rev. Dr. Martin Luther King Jr. that is organizing around the needs and demands of the 140 million--and the Economic Policy Institute (EPI)--an independent, nonprofit, nonpartisan organization that uses economic research and analysis to understand and improve the economic conditions of workers and their families. In this article, the authors evaluate the public policies that shaped the preexisting conditions of the pandemic, policies that were by no means accidental or morally neutral, and lay out the policies that are needed to counter and reverse the status quo, including the heightened suffering from the pandemic.
- Published
- 2021
23. Trade Adjustment Assistance Community College and Career Training Grant Program: Round 4 Early Outcomes Study Report. Technical Appendices
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Abt Associates, Inc., Urban Institute, George Washington University (GW), Walton, Douglas, Judkins, David, Kolenikov, Stas, Schalk, Marci, and Smith, Adrienne
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This document includes seven technical appendices that accompany the main report, "Trade Adjustment Assistance Community College and Career Training Grant Program: Round 4 Early Outcomes Study Report." The appendices include: (1) Baseline Data; (2) Follow-up Survey Data; (3) Unemployment Insurance Wage Data; (4) Service Impacts; (5) Methodology for Estimating Outcomes by Program; (6) Implementation Data Collection; and (7) Expanded Results. [This document was produced in partnership with Capital Research Corporation. For the main report, see ED610190.]
- Published
- 2020
24. Strategies for Workforce Recovery in Response to the Current Crisis: A Resource for Local Leaders
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Urban Institute, Loprest, Pamela, Spaulding, Shayne, and Hecker, Ian
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This resource outlines a menu of actionable strategies for local leaders for workforce-related recovery efforts in response to the COVID-19 pandemic and corresponding recession. These strategies focus on evidence-based interventions and approaches which promote inclusive recovery. We categorize these strategies by goal, type of action, and phase of pandemic reopening so local leaders can choose options best suited for their current circumstances. For each strategy we provide a description, supporting evidence, specific actions for local leaders, and useful examples and resources.
- Published
- 2020
25. Transitioning to College and Work Part 3: Labor Market Analyses in Houston and Texas. Appendices
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Rice University, Houston Education Research Consortium (HERC), Holzman, Brian, Gul, Muhreen, Salazar, Esmeralda Sánchez, and Kennedy, Camila Cigarroa
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This document is the appendices for "Transitioning to College and Work Part III: Labor Market Analysis in Houston and Texas." The report examined: (1) Supply and demand for labor in the Houston area and Texas, including an examination of the Texas Higher Education Coordinating Board's (THECB) "60×30TX" strategic plan; (2) In-demand occupations and skills in the Houston area; and (3) Early career wages and unemployment receipt among high school graduates from the Houston Independent School District (HISD). Results indicated the Houston area and Texas are projected to fall 20 and 10 percentage points short, respectively, of reaching the "60×30TX" goal, an effort aimed at ensuring 60 percent of Texans ages 25-34 complete a postsecondary credential by 2030. Regardless, data showed a positive relationship between education and earnings. The higher wages associated with a postsecondary credential might be related to the short supply of high-skilled workers in the Houston area and Texas. Many Houston-area jobs required high levels of education and paid competitive annual wages. However, occupations with low supply growth and high demand growth required only moderate levels of education but high levels of interpersonal skills. An analysis of HISD graduates seven years after high school uncovered considerable gaps in early career wages and unemployment insurance receipt by gender, race and ethnicity, and economic disadvantage. In particular, female graduates continued to earn less than males, and black and Asian graduates earned less than whites. The results ultimately showed students who completed a postsecondary degree or certificate often earned higher wages than peers with only a high school diploma. Eleven appendices are included in the document. [For the full report, see ED607703; for the brief, see ED607722.]
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- 2020
26. Transitioning to College and Work Part III: Labor Market Analysis in Houston and Texas
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Rice University, Houston Education Research Consortium (HERC), Holzman, Brian, Gul, Mehreen, Salazar, Esmeralda Sánchez, and Kennedy, Camila Cigarroa
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Part 3 of the Houston Longitudinal Study on the Transition to College and Work (HLS) examined: (1) Supply and demand for labor in the Houston area and Texas, including an examination of the Texas Higher Education Coordinating Board's (THECB) "60×30TX" strategic plan; (2) In-demand occupations and skills in the Houston area; and (3) Early career wages and unemployment receipt among high school graduates from the Houston Independent School District (HISD). Results indicated the Houston area and Texas are projected to fall 20 and 10 percentage points short, respectively, of reaching the "60×30TX" goal, an effort aimed at ensuring 60 percent of Texans ages 25-34 complete a postsecondary credential by 2030. Regardless, data showed a positive relationship between education and earnings. The higher wages associated with a postsecondary credential might be related to the short supply of high-skilled workers in the Houston area and Texas. Many Houston-area jobs required high levels of education and paid competitive annual wages. However, occupations with low supply growth and high demand growth required only moderate levels of education but high levels of interpersonal skills. An analysis of HISD graduates seven years after high school uncovered considerable gaps in early career wages and unemployment insurance receipt by gender, race and ethnicity, and economic disadvantage. In particular, female graduates continued to earn less than males, and black and Asian graduates earned less than whites. The results ultimately showed students who completed a postsecondary degree or certificate often earned higher wages than peers with only a high school diploma. [For the appendices, see ED607721; for the brief, see ED607722. For "Transitioning to College and Work, Part II: A Study of Potential Enrollment Indicators," see ED607702.]
- Published
- 2020
27. How Has COVID-19 Impacted FAFSA Submissions? EdWorkingPaper No. 20-266
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Annenberg Institute for School Reform at Brown University, Gurantz, Od, and Wielga, Christopher
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COVID has led colleges to brace for potential enrollment declines in the Fall, which would devastate budgets and potentially decrease the likelihood a student ever earns a degree. We take an early look at California's FAFSA applications up through mid-June, to anticipate how students may be responding to this crisis. We find that COVID did not affect most of California's "traditional" high school graduates due to an early deadline for financial aid, which exists in a number of states. From early March to mid-June, FAFSA applications among freshmen declined 18%, relative to prior years. Although there were initial declines in applications among more experienced students, these quickly rebounded and are now 9% higher relative to prior years. The largest FAFSA increases occurred in counties that saw the most dramatic increases in Unemployment Insurance claims.
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- 2020
28. Psychological Resilience Level of Individuals Living in Canakkale, Turkey
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Mizrak, Sefa and Tutkun, Tugay
- Abstract
Disasters affect individuals psychologically and some individuals take a long time to get rid of this effect. Psychological resilience is defined as the individuals having a psychologically strong structure, being affected by negative situations as little as possible and getting rid of stressful situations quickly. The aim of this study is to determine the psychological resilience level of individuals living in Çanakkale. Connor-Davidson Resilience Scale was used to determine the participants' resilience level. Participants in the study are 412 individuals, aged between 18 and 60, who are determined by the simple random sampling method living in the Central District of Çanakkale. The data were analyzed using SPSS 21 software. Cronbach's Alpha reliability coefficient of the scale was found to be 0.92. The mean of the psychological resilience level was 3.75. Results showed that the most psychologically resilient people are males, high school graduates, individuals between the ages of 29-39, divorced, those who do not have children, those with a monthly income of more than 3001 TL, those with natural disaster insurance and those who are previously faced a disaster.
- Published
- 2020
29. Financial Knowledge of University Students in Korea and Germany
- Author
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Happ, Roland, Hahn, Jinsoo, Jang, Kyungho, and Rüter, Ines
- Abstract
This study compares the financial knowledge of Korean (N = 1006) and German (N = 1346) university students. The country-specific adaptations of the US-American Test of Financial Literacy was used to assess financial knowledge. Financial knowledge can be divided into three areas (everyday money management; banking; insurance). German students show a slightly higher knowledge of everyday money management and insurance. Korean students tend to be stronger in the area banking. The paper examines the impact of gender on financial knowledge and the role of financial information gathering. A gender difference is determined in Germany, but not in Korea. Male students in Germany score higher than female students. An analysis of variance shows that Korean as well as German students who inform themselves more frequently about financial topics achieve a higher financial knowledge score. The article shows that it is possible to validly measure financial knowledge in Germany and Korea, which have different economic systems.
- Published
- 2022
- Full Text
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30. Deeper in Debt: Women and Student Loans in the Time of COVID
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American Association of University Women
- Abstract
This is an update to the report "Deeper in Debt: Women and Student Loans." Americans today carry $1.54 trillion in student loan debt. That number has more than doubled over the last decade--increasing at nearly six times the rate of inflation. Women are particularly burdened, holding nearly two-thirds of all outstanding loans--around $929 billion. Even before coronavirus upended the global economy, the gender wage gap made it harder for women to repay their student loans. More women than men reported difficulty making payments during the first year after graduation (23.2% vs 21%, respectively). The global economic shutdown will only exacerbate the student debt problem. Record-high unemployment, the loss of supplementary income and inadequate benefits will make it harder for recent graduates--and for women in particular--to pay back their student loans. [For the original report, see ED580345.]
- Published
- 2020
31. Four Principles to Make Advanced Data Analytics Work for Children and Families
- Author
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Annie E. Casey Foundation
- Abstract
Advances in data science and computing power are rapidly shifting the opportunities available to citizens, changing how systems interact with almost every aspect of our lives: as students, job seekers, patients, citizens and consumers. This report presents the Annie E. Casey Foundation's point of view on the use of advanced analytics in social programs and policy, based on an exploration of the promise and consequences of advanced analytics for youth, families and communities. It also outlines a set of principles that distinguish between the useful, acceptable and harmful applications of new tools. Developed through broad consultation with data scientists, civil rights groups, public leaders and family advocates convened by the Foundation, as well as extensive consultation with Foundation staff and leadership, these principles represent points of agreement between those who are optimistic about the good these tools can do for families and those who remain extremely concerned about their abuse: (1) Expand opportunity; (2) Provide transparency and evidence; (3) Empower communities; and (4) Promote equitable outcomes.
- Published
- 2020
32. Employment Outcomes at California Colleges: Improving Information for Students, Schools, and Policymakers
- Author
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Institute for College Access & Success, Project on Student Debt and Perry, Angela
- Abstract
California has long been a national and global leader in developing and maintaining quality higher education options, as well as in providing financial aid and consumer protections for Californians who access that education. However, although California's colleges and the state government do collect, receive, and report a great deal of data, these data have not been effectively connected to present accurate, understandable, and comparable employment outcomes information in a transparent way for policymakers, students and families, institutions, researchers, and others. In the absence of a statewide data system in California, the California Community Colleges (CCC), California State University (CSU), and University of California (UC) have each initiated their own independent efforts to share higher education outcomes data. However, the data each independently share are slightly different, and there is no consistency in format or presentation among any of the segments. The result is that higher education employment outcomes data available in California are not comparable because of inconsistency in data definitions and reporting between the segments and individual schools; incomplete because it does not include vital elements that students and policymakers need to know; and inaccessible because it is not housed centrally for statewide use. This report provides an overview of higher education employment outcomes data currently available in California, highlights where data are lacking, and makes recommendations for the state to improve the data's availability, comparability, and usability by: (1) Creating and developing a secure, private, central statewide database that collects and houses studentlevel education, employment, and wage data for all higher education institutions in California; (2) Even in the absence of a statewide database, making verified employment and wage outcomes data newly available to students at private schools by requiring that the Bureau for Private Postsecondary Education (BPPE) and the Employment Development Department (EDD) share data in the same way that public segments do; and (3) Creating a publicly accessible dashboard that presents accurate, comparable education employment outcomes data by school and by program. In addition, this report also highlights qualities of several systems developed in other states, which can serve as examples as California develops a model statewide system.[This report was written with assistance from Debbie Cochrane, Lindsay Alhman, Neha Dalal, Veronica Gonzalez, and Jessica Thompson.]
- Published
- 2019
33. The Response to and Cost of Meningococcal Disease Outbreaks in University Campus Settings: A Case Study in Oregon, United States. Research Report. RTI Press Publication No. RR-0034-1910
- Author
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RTI International, Candrilli, Sean D., and Kurosky, Samantha
- Abstract
Invasive meningococcal disease (IMD) is a contagious bacterial infection that can occur sporadically in healthy individuals. Symptoms are typically similar to other common diseases, which can result in delayed diagnosis and treatment until patients are critically ill. In the United States, IMD outbreaks are rare and unpredictable. During an outbreak, rapidly marshalling the personnel and monetary resources to respond is paramount to controlling disease spread. If a community lacks necessary resources for a quick and efficient outbreak response, the resulting economic cost can be overwhelming. We developed a conceptual framework of activities implemented by universities, health departments, and community partners when responding to university-based IMD outbreaks. Next, cost data collected from public sources and interviews were applied to the conceptual framework to estimate the economic cost, both direct and indirect, of a university-based IMD outbreak. We used data from two recent university outbreaks in Oregon as case studies. Findings indicate a university-based IMD outbreak response relies on coordination between health care providers/insurers, university staff, media, government, and volunteers, along with many other community members. The estimated economic cost was $12.3 million, inclusive of the cost of vaccines ($7.35 million). Much of the total cost was attributable to wrongful death and indirect costs (e.g., productivity loss resulting from death). Understanding the breadth of activities and the economic cost of such a response may inform budgeting for future outbreak preparedness and development of alternative strategies to prevent and/or control IMD.
- Published
- 2019
34. How Community-Based Organizations Can Use New York State Employment and Wage Data: Learning from the New York City Demonstration (2016-2018)
- Author
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MDRC, Yang, Edith, Aceves, Aurelia De La Rosa, and Tomlinson, Gloria
- Abstract
Workforce development organizations often find it challenging to assess how former program participants are faring in the labor market, since they need to rely on participants' willingness to report and verify their job placements after they either leave or complete their programs. The 2013 Unemployment Insurance Data Sharing Bill (S5773A) amended the New York State Labor Law to make it easier for government agencies to obtain state unemployment insurance (UI) wage data for program monitoring, improvement, and evaluation purposes. In 2016, the Change Capital Fund (CCF) and the New York City Mayor's Office for Economic Opportunity (NYC Opportunity) identified the law as a chance to invest in a demonstration with four community development organizations that were already CCF grantees, aiming to expand their ability to collect and use data to improve their programs in coordination with the city government. This report describes that two-year demonstration and is meant to serve as a guide for other New York municipalities and community organizations that may consider requesting access to state UI wage data. It illustrates some of the challenges and opportunities involved in accessing UI data on program participants and offers some practical lessons for organizations in New York State.
- Published
- 2019
35. College Students and the Influence of a Curriculum-Based Risk Management and Insurance Certification on Career Choice: A Mixed-Methods Study
- Author
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Mary Ann Cook
- Abstract
Risk management and insurance (RMI) is facing a talent gap that is exacerbated by an increasing employer demand for technology-based skills. This research explores whether an undergraduate curriculum-based professional certificate influences college students' RMI career choices. Using a mixed-methods research approach, the researcher surveyed a sample of 95 college graduates who, as undergraduates, were enrolled in one or more risk management and insurance courses that fulfilled both their degree coursework requirements and the requirements toward an RMI-industry certification. Through analysis of both survey data and interview data, the researcher investigated whether an RMI certification was viewed as important, the influence such a certification has on students' career choices, students' perceptions of the RMI certificate as influencing their time-to-placement, graduates' decisions to remain in RMI 3 years after graduation, and the motivating factors behind why graduates who pursued and obtained careers in RMI intend to remain in them. The study finds that graduates perceived having a curriculum-based risk management and insurance certification to be important. A majority of participants felt that having a curriculum-based certificate shortened their time to placement, and they stated they are more likely to remain in their careers three years post-graduation and into the future when asked to consider a next hypothetical job search. Additionally, students who graduate with the certificate achieve their desired RMI careers (versus careers in other industries), have a capacity to learn and take leadership roles in RMI's digital transformation, and will seek out and remain with employers who will financially support them in their journey to continue their attainment of credentialing and professional development. Implications of the study are further discussed. [The dissertation citations contained here are published with the permission of ProQuest LLC. Further reproduction is prohibited without permission. Copies of dissertations may be obtained by Telephone (800) 1-800-521-0600. Web page: http://www.proquest.com/en-US/products/dissertations/individuals.shtml.]
- Published
- 2022
36. The Australian Approach to Acquired Brain Injury
- Author
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Degeneffe, Charles Edmund
- Abstract
Purpose: The present article provides a narrative review of Australia's approach toward acquired brain injury (ABI) and proposes how Australia and the United States can collaborate to improve service delivery for persons with ABI and their families with epidemiology, healthcare, prevention, research, and training. Method: A narrative review of journal articles, government documents, and websites was completed to present a broad overview of Australia's approach toward meeting the needs of persons with ABI. Results: The narrative review and synthesis of publications were summarized into the following categories: a) overview of ABI in Australia, b) long-term care government programs, c) services and advocacy, d) research and training, and e) recommendations for Australian-U.S. collaborations. Conclusion: The current time presents an opportunity for Australia and the United States to collaboratively address areas of common ABI need by dialogue, collaboration, and academic engagement, which may lead to better outcomes for persons with ABI by the sharing of research findings, service approaches, advocacy efforts, and rehabilitation counselor training. Rehabilitation counselors in Australia and the United States should lead the process of collaboration and engagement around common areas of ABI need.
- Published
- 2022
- Full Text
- View/download PDF
37. Shake, Rattle, and Roll: Developing Seismic Levels of Experiential Contract Analysis Skills with an Earthquake Insurance Policy
- Author
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Anderson, Bradford P.
- Abstract
This article demonstrates how, and provides all necessary material, to utilize experiential classroom integration of an earthquake insurance policy as an engaging and immersive tool to introduce business law students to applied contract analysis and interpretation. Students also gain an understanding of insurance concepts through this exercise. This exercise engages students in collaborative problem-solving via a small group project and is designed for use in a single class session, combining teamwork, communication, and contract analysis skills. Through detailed detective work to locate relevant contract terms and application of various factual scenarios, this project involves the applied development of problem-solving skills associated with multiple scenarios and reinforces logic practices by requiring students to justify their conclusions. Most importantly, students gain skills in navigating a complex contract like an insurance policy that translate into a valuable talent for the nascent businessperson.
- Published
- 2022
- Full Text
- View/download PDF
38. Applying the Asymmetric Information Management Technique to Insurance Claims
- Author
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Porter, Cody Normitta, Taylor, Rachel, and Harvey, Adam Charles
- Abstract
This study investigates the Asymmetric Information Management (AIM) technique's ability to detect fraudulent insurance claims submitted online. The AIM instructions inform claimants that, inter alia, more detailed statements are easier to accurately classify as genuine or fabricated. To test this, truth tellers (n = 55) provided an honest statement about a lost or stolen item, while liars (n = 53) provided a false claim. All claimants were randomly assigned to either receive the control or AIM instructions. We found that truth tellers provided more information in the AIM condition (compared to the control condition), and discriminant analysis classificatory performance was improved slightly. Unfortunately, the AIM instructions had little effect on the amount of information liars provided. Thus, the AIM technique is useful for supporting truth tellers to be more detailed, but more work needs to be conducted to assess why liars in this study did not adapt a withholding strategy.
- Published
- 2022
- Full Text
- View/download PDF
39. Alpha Insurance: A Predictive Analytics Case to Analyze Automobile Insurance Fraud Using SAS Enterprise Miner™
- Author
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McCarthy, Richard, Ceccucci, Wendy, McCarthy, Mary, and Halawi, Leila
- Abstract
Automobile Insurance fraud costs the insurance industry billions of dollars annually. This case study addresses claim fraud based on data extracted from Alpha Insurance's automobile claim database. Students are provided the business problem and data sets. Initially, the students are required to develop their hypotheses and analyze the data. This includes identification of any missing or inaccurate data values and outliers as well as evaluation of the 22 variables. Next students will develop and optimize their predictive models using five techniques: regression, decision tree, neural network, gradient boosting, and ensemble. Then students will determine which model is the best fit providing consideration of the misclassification rate, average square error, or receiver operating characteristic (ROC). Lastly, students will generate predictive scores for the claims and evaluate the result using SAS Enterprise Miner™. Ultimately, the goal is to build an optimal predictive model to determine which of the automobile claims are potentially fraudulent.
- Published
- 2019
40. Bequest Provision Preferences in Commercial Annuities: An Experimental Test of the Role of Mortality Salience
- Author
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Williams, Jacob A. and James, Russell N.
- Abstract
Recent research demonstrates that personal mortality salience from annuity contemplation generates an avoidance response, reducing interest in purchasing annuities. However, theoretical models of mortality salience also predict an increased desire for investment in the future circumstances of surviving others ("symbolic immortality"), such as that provided by bequest provisions in an annuity contract. An experimental test confirms that those exposed to higher levels of personal mortality reminders exhibit a greater preference for an annuity paying lower income but with a bequest provision. Thus, the effects of mortality salience can drive annuity decisions, not only at the extensive margin (avoidance of any purchase), but also at the intensive margin (purchasing lower income by including a bequest provision).
- Published
- 2019
41. The Place of Insurance Companies in School Plants in Nigeria
- Author
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Ojo, O. J.
- Abstract
School plants are indispensable for effective realization of school goals and objectives. This is because the successful implementation of school curriculum is dependent on the school plants, which refer to the physical facilities available in the school system, that are provided in the school. The insurance of school plants serves as a means of safeguarding them in the event of risks. This paper therefore looked at the place of insurance company in school plants in Nigeria. The paper examined some concepts on the key terms, the components of school plants, the advantages of insuring school plants, the challenges faced by insurance company in the events of insuring school plants in Nigeria and proffered solutions. The paper concluded that in the event of damages and other hazards to school plants, insurance companies will be held responsible for the renewing, repair and reconstruction of school plants in the school. Finally, the paper suggested the following among others that government at the different levels i.e. Federal, State and Local should enforce the insurance of school plants for both government and private schools.
- Published
- 2019
42. Budget Plan to Manage Income and Expenses in College Students: Some Features That Explain It
- Author
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Garcia-Santillan, Arturo, Zamora-Lobato, Teresa, and Ramos-Hernandez, Jesica J.
- Abstract
The purpose of this study is to describe the actions taken by college students to face their future retirement. For this, the test designed by the National Commission for the Protection and Defense of Financial Services Users (CONDUSEF) in Mexico was used, which has items related to financial knowledge, specifically topics about savings, emergency funds and life insurance, among others. The instrument was applied to 60 UPAV college students of different levels, during the school cycle of February-August 2018, in the city of Xalapa, Veracruz; it should be noted that the range of age was older than 21 but younger than 23 years old. The descriptive analysis showed results that lead us to believe that students have emergency funds (53%) but these are used to face unexpected situations (59%); also, students do not have life insurance, which could be concerning in their personal and family life if/when they have to face a present or future illness. Regarding car insurance, most of the respondents stated that they do not own one, besides considering it an unnecessary expense. One of the study limitations was the surveyed population; hence the need to widen this research to encompass more students from such geographical area in order to obtain a wider outlook of said behavior.
- Published
- 2019
43. Sit Back, Relax, and Tell Me All Your Secrets
- Author
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Kirk, Sarah, Foreman, Daniel, Lee, Cody, and Beasley, Shannon W.
- Abstract
The goal of this research is to describe an active learning opportunity that was conducted as a community service offering through our Center for Cybersecurity Education and Applied Research (CCEAR). As a secondary goal, the participants sought to gain real world experience by applying techniques and concepts studied in security classes. A local insurance company tasked the CCEAR with assembling a team of students to conduct penetration testing (including social engineering exploits) against company personnel. The endeavor allowed the insurance company to obtain information that would assess the effectiveness of employee training with regard to preventing the divulgence of sensitive information. The team of students assembled organized, planned and executed all penetration testing. This academic opportunity allowed the students to build experience transacting the social engineering while laying the groundwork for future projects that will allow additional students to build and expand the process outlined in this study.
- Published
- 2019
44. Building State Vocational Rehabilitation Agency Benefits Planning Capacities. Policy Brief
- Author
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Institute for Educational Leadership and Sheldon, James R.
- Abstract
This policy brief describes how State VR agencies are using and can use benefits planning services, as a VR agency-funded service, to help SSDI and SSI beneficiaries address concerns and fears about the potential loss of cash benefits and healthcare benefits (i.e., Medicaid and/or Medicare) as they move into jobs paying substantial wages. The brief highlights a range of definitions for benefits planning services and the scope of services that may be provided through a benefits planner; describes common elements of a quality benefits planning program (including initial training, continuing education, and available technical assistance); provides examples of existing state VR agency models for delivering benefits planning services; and explains why state VR agencies should fund benefits planning services. This policy brief is directed at a primary audience of state VR agency staff-administrators, VR counselors, and other staff. [The Vocational Rehabilitation Youth Technical Assistance Center (Y-TAC) is a project of the Institute for Educational Leadership.]
- Published
- 2018
45. 2018 Worker Retraining Accountability Report. Research Report 18-6
- Author
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Washington State Board for Community and Technical Colleges
- Abstract
The Worker Retraining (WRT) program is a key strategy in meeting the economic and workforce needs of Washington's workers and employers. Funded through the state legislature, the aim of WRT is to ensure dislocated and other unemployed workers have access to education and training that will help them reattach to the labor market in jobs and careers supporting themselves, their families, and their communities. This program works closely with the broader workforce development system across Washington to respond quickly to large lay-offs, support Unemployment Insurance claimants in getting retrained, helping workers who are displaced due to natural disasters or major restructuring of the economy, and working with unemployed populations with significant barriers to employment. Funding for the program flows through the State Board for Community and Technical Colleges to all Washington state community and technical colleges (CTCs). In measuring the ability of the CTC system to meet the goals of the program, colleges and the system as a whole are monitored along the following criteria: (1) enrollments; (2) completions; (3) job placement and job retention; and (4) wages and wage recovery.
- Published
- 2018
46. The Effect of Career Counselor Behavior on Reemployment
- Author
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Behrendt, Peter, Heuer, Katharina, and Göritz, Anja S.
- Abstract
When looking at career interventions, one-on-one career counseling is one of the most effective and firmly established types of intervention. Furthermore, career counseling process quality has been validated as a predictor of job seekers' reemployment. To elucidate the underlying components of a high-quality counseling process, the effects of counselor behavior in mandatory counseling sessions at three Swiss job centers are investigated. Based on a transfer of psychotherapeutic effectiveness research into the domain of career counseling, three behavior categories are proposed as components of a high-quality counseling process: providing structured guidance during the counseling process, providing personalized support, and activating job seekers' resources. Scientific observers rated these counselor behavior categories in 32 counseling sessions. The ratings of "providing structured guidance" predicted job seekers' reemployment speed at a correlation of 0.58. The measured effect equals yearly savings of 831 million Swiss Francs CHF (US$839) in Swiss unemployment benefits. The correlations with the other two behavior category ratings were in the same direction but nonsignificant.
- Published
- 2021
- Full Text
- View/download PDF
47. The Social Insurance System in the U.S.: Policies to Protect Workers and Families. Framing Paper
- Author
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Brookings Institution, Hamilton Project, Barnes, Mitchell, Bauer, Lauren, Edelberg, Wendy, Estep, Sara, Greenstein, Robert, and Macklin, Moriah
- Abstract
This paper examines the U.S. social insurance system, which we define broadly to include both programs supported by dedicated taxes and other federal programs that provide income support, assistance in meeting basic needs, or services to improve economic opportunity. The paper considers the social insurance system as a whole as well as its component parts, providing an overview of major federal programs in the areas of education and workforce development, health, income support, nutrition, and housing. The paper covers how the social insurance system is organized, how eligibility is determined and who benefits, how the benefits and services are delivered, and how the system affects poverty and inequality. We focus primarily on the system as it operated prior to the onset of the COVID-19 pandemic, but also look at how various programs respond to economic downturns. Coming at a time when policymakers will start shifting their focus from using the social insurance system to provide relief from the pandemic and recession to considering what changes should be made in the system on an ongoing basis, the paper also reprises an array of proposals to strengthen the system in various ways that The Hamilton Project has commissioned in recent years.
- Published
- 2021
48. Raising Cash under Duress and the Role of Cash Value Life Insurance: An Educational Example
- Author
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Russell, David T., Chong, James T., and Phillips, G. Michael
- Abstract
Consumers face hard choices when they need cash quickly. Hard choices can lead to emotional or economically unsound decisions. Traditional classroom discussions of raising funds to pay for expenses usually focus on generating income, borrowing, or the sale of real and financial assets, if hardship is discussed at all. However, many families have additional "non-traditional" sources of cash. This article examines the use of life insurance surrenders and policy loans as a source of funds for both routine funding needs as well as a source of emergency financing. The article concludes with a review of the economic considerations of life insurance for Insurance and Financial Planning educators and students.
- Published
- 2018
49. Making Wage Data Work: Creating a Federal Resource for Evidence and Transparency
- Author
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National Skills Coalition, Workforce Data Quality Campaign (WDQC) and Pena, Christina
- Abstract
Administrative data on employment and earnings, commonly referred to as wage data or wage records, can be used to assess the labor market outcomes of workforce, education, and other programs, providing policymakers, administrators, researchers, and the public with valuable information. However, there is no single readily accessible federal source of wage data which covers all workers. Noting the importance of employment and earnings data to decision makers, the Commission on Evidence-Based Policymaking called for the creation of a single federal source of wage data for statistical purposes and evaluation. They recommended three options for further exploration: (1) expanding access to systems that already exist at the U.S. Census Bureau; or (2) the U.S. Department of Health and Human Services (HHS); or (3) creating a new database at the U.S. Department of Labor (DOL). This paper reviews current coverage and allowable uses, as well as federal and state actions required to make each option viable as a single federal source of wage data that can be accessed by government agencies and authorized researchers. Congress and the President, in conjunction with relevant federal and state agencies, should develop one or more of those options to improve wage information for multiple purposes.
- Published
- 2018
50. Travelers Edge: 10 Years of College Access and Success
- Author
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Pell Institute for the Study of Opportunity in Higher Education, Yamashita, M., Franklin, K., and Cahalan, M.
- Abstract
Now, more than ever, corporate and higher education leaders recognize the role the business community should play in the preparation of a highly skilled workforce to preserve the nation's competitiveness and economic opportunity in response to swift technological change and increasing global competition. This report examines how Travelers (Community Relations, Human Resources and other staff), K-12 and postsecondary education partners and community stakeholders are collaborating to provide a supportive ecosystem that allows historically underrepresented students to attain bachelor's degrees and gain entry into the insurance and financial services industry. Travelers EDGE can provide important insights for leaders in higher education, business and policy on increasing opportunity for the most vulnerable populations of students to succeed in college and successfully transition into the workforce.
- Published
- 2018
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