Does Medicaid cover dental and vision care?

Medicaid covers dental and vision care for children under the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit. For adults, coverage varies by state; some offer emergency dental care, routine check-ups, or vision services like eye exams and glasses.

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Can a No-Claim Bonus be transferred if I change the vehicle insured under my policy?

Yes, if you change vehicles under the same motor insurance policy, the No-Claim Bonus can generally be transferred, provided the policy is renewed with the same insurer and the policyholder remains claim-free.

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How does divorce affect beneficiary designations?

Divorce does not automatically remove an ex-spouse as a beneficiary, so policyholders should review and update designations as needed.

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What is the role of the SOA in actuarial research?

The SOA conducts and publishes actuarial research on topics such as longevity risk, healthcare trends, predictive modeling, and financial risk management. Its research supports industry advancements and informs policy decisions.

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How can farmers file a claim for crop insurance?

Farmers can file a claim by contacting their insurance provider immediately after the loss is observed. The insurer will then send an adjuster to assess the damage, after which the farmer may be compensated for the verified loss according to the policy terms.

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Does business property insurance cover cyber-related losses?

No, business property insurance does not cover cyberattacks, data breaches, or digital theft. Businesses should consider separate cyber liability insurance to protect against online threats and data security incidents.

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How often do insurers need to report their RBC levels?

Insurers must report RBC levels annually to regulators. However, if financial conditions deteriorate, regulators may require more frequent reporting and stress testing to monitor solvency risks.

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How does insurance coverage work?

An insurance policy outlines covered risks, exclusions, limits, and conditions. The insured pays premiums, and the insurer compensates for covered losses per policy terms.

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