Monday, November 29, 2010

感恩节,感谢我的初中班主任老师尹舒村

在感恩节即将到来之际,心里特别放不下一件事,感觉不动笔写,就没办法让自己的心安静下来。就是我要表达我对初中老师尹舒村的感恩。

我是1977年开始读初中的。那时读哪个学校是根据父母工作的单位和家庭住址。我家住的房子是我母亲所工作的宛运公司,我就自然进了这个“宛运公司子弟学 校”。宛运公司当时在当地是个很有油水的单位,当司机的家庭是当地数得着的有钱人家。宛运子弟学校的校舍也是当地数得着的最“现代化”的“高级”校舍。有 着最好的“硬件”,“软件”却是整个城市里最差的:教师水平非常次,学生打架斗殴进监狱被枪毙的新闻不断。就在我开始读初中的那一年,一下子去了好几个工 农兵大学生毕业的新老师,其中尹舒村老师做了我们的班主任。

不久,开始分重点和非重点学校。宛运子弟学校自然成了最差的学校,而附近的第一中学又恢复到了省重点。我的妈妈想尽办法要我离开子弟学校,进到省重点的一 中,从而能圆她的大学梦。好像结果是,即使费尽周折让我进去了,也只能进一中的最差班,我妈妈就放弃了。但是我的班主任尹老师没有放弃,他要尽力让他的学 生考进一中!

尹老师的家就在学校院内。他有一儿一女,当时好像是女儿一岁,儿子三四岁。从我们六点上早自习,到晚上晚自习结束,尹老师几乎所有的精力和时间都扑到了我 们班同学身上。我们初中一共两年,在第二年我做了班长,和他以及他的家有了更多的接触。他爱人上班比较远,晚饭好像是他做。在他做晚饭的时候,他还放不下 在自习的同学们。记得我好多次到他家,看着他一边做饭,一边给我布置对班级的安排工作。同学们也知道,这个班主任语文老师无论在任何时候,都可能会出现。

他对我们极其严厉,对自己也很严格。他的语文课毫无疑问每次都准备得很用心,周到,仔细。他的课也很生动。听他的课是一种享受。他和其他老师们也互动很 好。尹老师会经常和其他科的老师们讨论怎样给我们上好课,考好试。他还给我们安排好自习时间什么时候复习什么科目。记得有次是复习英语的时间。尹老师在教 室走动着。我们都念念有语地背单词,读句子。这时候,尹老师走到了一个女生面前,问道:你背单词为什么不写呢?要一边读,一边写才有效果啊。我们考试时, 他不允许任何人提前交卷子,不管你做得有多快:检查,检查,再检查。做得快,说明你有更多的时间检查;放弃了检查,就是放弃了查处错的机会。他有时会叹 息。我感觉他在整个学校是不得志的,但他把他的生命给了我们班的每一个同学。当那个同学的成绩掉下去了,他都会非常痛心:你们要考到一中去,到二中去,要 离开子弟学校!这样你们才有机会。

终于到了考高中的时候。记得考试那天下着很大很大的雨。我是淌着齐腰的水到一中的考场去的。为了妈妈的期望,我知道我也不能辜负尹老师对我们的期待。发榜 了,我们班有5个考到了省重点的一中,一个考到了市重点的二中。这个结果,让我们整个子弟学校的校领导们振奋起来:咱们子弟学校的学生不错啊。留下这些好 学生,到高考时再给我们增光!尹老师极力反对。他一个个找我们谈:离开这里。如果你们留下来,你们不可能考上大学的。这里的教学质量太差了!你们一辈子的 前程会被耽误了的。

尹老师讲的没错。虽然我是我们子弟学校的第一名考出去的,但是进了一中发觉我们几个的成绩都是垫底的,倒数的。第一个学期排名次,我在倒数的第一排里找到 了我的名字。到高二的时候,我的名字才到了前几排里。我回家天天会路过子弟学校,经常见到老同学。她们有时候会问我一些数理化的题目。子弟学校的高中老师 就是初中老师升上去的,他们教的和一中的老师竟然教的不一样。

后来我又以一中的第一名的成绩考上了大学。我去给尹老师报喜。记得他高兴得合不拢嘴。

在我们班前一级只有一个考到了一中,我们班后一级也只有一个考到了一中。听说后来就没有人考到一中了。我很庆幸有尹老师做我的班主任,我有幸在他的严格管理下考到了一中。后来,听说他辞了职,不再做老师了。我们就失去了联系。

快三十年没见到尹老师了。几周前的一天,我接到一个初中同学的电话,说她和另一个同学把初中同学们组织到了一起,把尹老师也请到了,一起聚会,吃饭。终 于,我又有机会和我的恩师讲上了话。尹老师的声音还是那样清晰有力,他还是那么年轻。尹老师,我明年回去看你。

谢谢你,尹老师。我的今天,有你很大的功劳。

Wednesday, November 24, 2010

升学面谈注意事项 Shining In Your Interview

随着一个一个大学申请提交上去,孩子们要准备一轮又一轮的面谈了。我家老大上周六在我要出发参加“老夫老妻爱火重燃”的讲座时,正在进行他的第一个interview。下周就是他的第二个interview了。我这个当妈的就又当了一次“升学顾问”。

每个大学对interview的重视程度不一样。有的是必需的,interview成了申请表中的一部分;有的是可有可无的,大学只是借此可以挑出很不好的学生,和很优秀的。也有不少大学根本就不要求。

不论大学对interview有多重视,学生一定要充分利用这个机会,好好准备。但也不要抱太大的希望。

两类interview:

1.信息类informational Interviews 目的是为了招生,提供一些大学的information。如果你有参加的话,招生官会记下来,存在你的文档内。

2.评估类Evaluative Interviews 成为录取你的文档之一。

怎样约大学的面谈?可以在提交申请前,也可以在提交申请后;在你提交申请后,可能会有人给你打电话,也可能需要你自己主动申请。很重要的一条:仔细读该大学的admission 的指南,看她有申请要求。

Interview的地点可以在大学校园里(招生官亲自谈),也可能在你自己住的城镇(校友)。如果校友给你面谈,可能在他办公室,可能在咖啡馆,公园,也可能在他家的客厅里,也可能是电话面谈。

面谈不是审讯,而是在一种友好,积极和温暖的气氛下进行。放松。

穿戴要整洁,不需要很正式,也不能太随便。no jeans,sneakers,or flip-flops。准时最重要!不要把父母带着:)。诚实,有礼,有节,自然,自信,不要吃喝。谈吐用对话式语言,非演讲式。要表现出你对大学的兴趣。

面试者很可能不知道你的成绩和考分。

面谈前要充分准备:好好了解这个大学,把他的网站好好读读。最前面的几分钟里给面试官的印象最重要。不仅要准备好回答问题,还要准备好问问题。你问的问题 里不要有在学校网站上手册里能找得到的啊。你可以问interveiwer 自己对这个大学的经验感受。要让面试你的人感受到你真的了解这个大学,真的对这个大学很感兴趣。如果你有远大的理想,告诉他:我想成为下一个诺贝尔奖的得 主!

面谈完,一定要记着说声谢谢,再发一个感谢卡。


1. Tell me about yourself.

This question seems easier than it is. How do you reduce your whole life to a few sentences? And it's hard to avoid commonplace answers like "I'm friendly" or "I'm a good student." Of course you want to demonstrate that you're friendly and studious, but try also to say something memorable here that really makes you different from other college applicants. Can you hold your breath longer than anyone in your school? Do you have a huge collection of Pez dispensers? Do you have unusual cravings for sushi?

2. Why are you interested in our college?

Be specific when answering this, and show that you've done your research. Also, avoid answers like "I want to make a lot of money" or "Graduates of your college get good job placement." You want to highlight your intellectual interests, not your materialistic desires. What specifically about the college distinguishes it from other schools you're considering?

3. What can I tell you about our college?

You can almost guarantee that your interviewer will provide an opportunity for you to ask questions. Make sure you have some, and make sure your questions are thoughtful and specific to the particular college. Avoid questions like "when is the application deadline?" or "how many majors do you have?" This information is both uninteresting and readily available on the school's webpage. Come up with some probing and focused questions: "What would graduates of your college say was the most valuable thing about their four years here?" "I read that you offer a major in interdisciplinary studies. Could you tell me more about that?"

4. Who in your life has most influenced you?

There are other variations of this question: Who's your hero? What historical or fictional character would you most like to be like? This can be an awkward question if you haven't thought about it, so spend a few minutes considering how you would answer. Identify a few real, historical, and fictional characters you admire, and be prepared to articulate WHY you admire them.

5. Why do you want to major in ______________ ?

Realize that you don't need to have decided upon a major when you apply to college, and your interviewer will not be disappointed if you say you have many interests and you need to take more classes before choosing a major. However, if you have identified a potential major, be prepared to explain why. Avoid saying that you want to major in something because you'll make a lot of money -- your passion for a subject will make you a good college student, not your greed.

6. What will you contribute to our campus community?

You'll want to be specific when answering this question. An answer like "I'm hard-working" is rather bland and generic. Think about what it is that makes you uniquely you. What exactly will you bring to diversify the college's community?

7. Tell me about a challenge that you overcame.

This question is designed to see what kind of problem solver you are. When confronted with a challenge, how do you handle the situation? College will be full of challenges, so the college wants to make sure they enroll students who can handle them.

8. What do you do for fun in your free time?

"Hangin' out and chillin'" is a weak answer for this question. College life obviously isn't all work, so the admissions folks want students who will do interesting and productive things even when they aren't studying. Do you write? hike? play tennis? Use a question such as this one to show that you are well-rounded with a variety of interests.

9. What do you see yourself doing 10 years from now?

You don't need to pretend that you have your life figured out if you get a question like this. Very few students entering college could accurately predict their future professions. However, your interviewer does want to see that you think ahead. If you can see yourself doing three different things, say so -- honesty and open-mindedness will play in your favor.

10. Does your high school record accurately reflect your effort and ability?

In the interview or on your application, you often have an opportunity to explain a bad grade or a bad semester. Be careful with this issue -- you don't want to come across as as a whiner or as someone who blames others for a low grade. However, if you really did have extenuating circumstances, let the college know.

11. Recommend a good book to me.

The interviewer is trying to accomplish a few things with this question. First, the question asks whether or not you've actually read much. Second, it asks you to apply some critical skills as you articulate why a book is worth reading. And finally, your interviewer might get a good book recommendation!

12. If you could do one thing in high school differently, what would it be?

A question like this can turn sour if you make the mistake of dwelling on things you regret. Try to put a positive spin on it. Perhaps you've always wondered if you would have enjoyed acting or music. Maybe you would have liked to give the student newspaper a try. Maybe, in retrospect, studying Chinese might have been more in line with your career goals than Spanish. A good answer shows that you didn't have the time in high school to explore everything that is of interest to you.

13. What did you do this summer?

This is an easy question that an interviewer might use to get the conversation rolling. The biggest danger here is if you haven't done anything productive in the summer. "I played a lot of video games" isn't a good answer. Even if you didn't have a job or take classes, try to think of something you have done that was a learning experience.

14. What do you do best?

There are lots of ways to ask this question, but the bottom line is that the interviewer wants you to identify what you see as your greatest talent. There's nothing wrong with identifying something that isn't central to your college application. Even if you were first violin in the all-state orchestra or the starting quarterback, you can identify your best talent as making a mean cherry pie or carving animal figurines out of soap. The interview can be an opportunity to show a side of yourself that isn't obvious on the written application.

15. What do you hope to do after graduation?

Lots of high school students have no idea what they want to do in the future, and that's okay. Still, you should formulate an answer to this question. If you're not sure what your career goals are, say so, but provide a few possibilities.

16. Why do you want to go to college?

This question is so broad and seemingly obvious that it can catch you by surprise. Why college? Steer clear of materialistic responses ("I want to get a good job and make a lot of money"). Instead, focus on what it is that you plan to study. Chances are your particular career goals aren't possible without a college education.

17. How do you define success?

Here again you want to avoid sounding too materialistic. Hopefully success means making a contribution to the world, not just your wallet.

18. Who do you most admire?

This question really isn't so much about who you admire but why you admire someone. The interviewer wants to see what character traits you most value in other people.

19. What is your biggest weakness?

This is a common question, and it's always a tough one to answer. It can be dangerous to be too honest ("I put off all my papers until an hour before they are due"), but evasive answers that actually present a strength often won't satisfy the interviewer ("My greatest weakness is that I have too many interests and I work too hard"). Try to be honest here without damning yourself. The interviewer is trying to see how self-aware you are.

20. Tell me about your family.

When you interview for college, an easy question like this can help get the conversation rolling. Try to be specific in your description of your family. Identify some of their funny quirks or obsessions. In general, however, keep the representation positive -- you want to present yourself as a generous person, not someone who is hyper-critical.

21. What makes you special?

Or the interview might ask, "What makes you unique?" It's a more difficult question than it might at first appear. Playing a sport or getting good grades is something that many students do, so such accomplishments aren't necessarily "special" or "unique." Try to get beyond your accomplishments and think about what really makes you you.

22. What can our college offer you that another college can't?

This question is a little different than one asking why you want to go to a specific college. Do your research and look for the truly unique features of the college for which you are interviewing. Does it have unusual academic offerings? Does it have a distinctive first-year program? Are there co-curricular or internship opportunities that can't be found at other schools?

23. In college, what do you plan to do outside of the classroom?

This is a fairly simply question, but you need to know what extracurricular opportunities exist at the college. You'll look foolish saying you want to host a college radio show if the school doesn't have a radio station. The bottom line here is that the interviewer is trying to see what you will contribute to the campus community.

24. What three adjectives best describe you?

Avoid bland and predictable words like "intelligent," "creative" and "studious." The interviewer is more likely to remember a student who is "clumsy," "obsessive" and "metaphysical." Be honest with your word choices, but try to find words that thousands of other applicants won't choose.

25. What do you think about the latest news headline?

With this question the interviewer is seeing if you are aware of major events going on in the world, and if you have thought about those events. What your exact position is on an issue isn't as important as the fact that you know the issues and have thought about them.

26. Who is your hero?

A lot of interviews include some variation of this question. Your hero doesn't have to be someone obvious like a parent, a president or a sports star. Before the interview, spend a few minutes thinking about who you most admire and why you admire that person.

27. What historical figure do you most admire?

Here, as with the "hero" question above, you don't need to go with an obvious choice like Abraham Lincoln or Gandhi. If you go with a more obscure figure, you just might be able to teach your interviewer something.

28. What high school experience was most important to you?

With this question the interviewer is looking to find out what experiences you most value and how well you can reflect back on high school. Be sure you are able to articulate why the experience was important.

29. Who most helped you get to where you are today?

This question is a little different than the one about a "hero" or the "person you most admire." The interviewer is looking to see how well you can think outside of yourself and acknowledge those to whom you owe a debt of gratitude.

30. Tell me about your community service.

Many strong college applicants have done some form of community service. Many, however, simply do it so that they can list it on their college applications. If the interviewer asks you about your community service, it's to see why you served and what the service means to you. Think about how your service benefited your community, and also what you learned from your community service and how it helped you grow as a person.

31. If you had a thousand dollars to give away, what would you do with it?

This question is a roundabout way to see what your passions are. Whatever you identify as a charity says a lot about what you most value.

32. What subject in high school did you find the most challenging?

Even if you're a straight "A" student, chances are some subjects were more difficult than others. The interviewer is interested in learning about your challenges and how you tackled those challenges.

(ZT form about.com)

Sunday, November 14, 2010

感恩节“感谢俺家领导” 和 讲座 “老夫老妻了,爱火还能重燃吗?”

YOU谷回音壁在感恩节由网友amber发起了一个感恩节征贴: 【感谢俺家领导】的活动。
得到的每个回应值得每个过了七年之痒的夫妻好好品读回味。

这些感谢领导的肺腑之言已经说明了老夫老妻了, 爱火是能重燃的;领导们要做到甜甜蜜蜜还是有很大的空间可以成长。这几篇中看起来最恩爱最完美的夫妻早已报名参加11月20日的讲座 “老夫老妻了,爱火还能重燃吗?”(详情请看attachment。)他们的积极主动学习如何,也许就是他们婚姻幸福的秘诀之一。

请有愿望过了七年之痒的老夫老妻还能回到新婚时爱的激情中, 请您抓紧时间到http://www.bayecho.com/node/1019 报名。


附:
家,对我们中国人来说永远都是个最要的部分。 孩子永远是我们家里最要的心。我们每一个做父母的, 我们之间的关系如何,直接影响对孩子的管教。怎样的夫关系, 也决定一个家庭的健康。
在硅谷,我们每个人,每天,都忙工作,忙孩子。 你有没有问你的亲的,你是当年谈朋友时,新婚燕尔时的他/ 她?你期待着你们当年的情今天

我们很荣幸邀请到国际真家庭协会会长叶高芳博士为我们分享

老夫
叶博士将轻松, 幽默地和我们分享每一对夫如何实际地新找到当年的激情, 夫更加恩甜美,家庭更加幸福。
Location:3131 Bowers Avenue, Santa Clara, CA 95054
Time: 11/20/2010 Saturday, 7:00 PM to 9:00 PM
Registration:www.bayecho.com/ node/1019

联络人:王晓瑞 408-676-7547
xiaoruit@gmail.com
主办单位 中国高等院校校友会联合会
硅谷女性协会
硅谷上海交大校友会
YOU谷回音壁

讲员背景:
叶高芳博士現任“真家庭协会”北美及国际会长, 是国际著名的家庭教育与协谈专家, 也是推展专业家庭服务的先驱者。 他经常应邀到世界各地主持讲座及培訓,是中国官方、 大学及咨询机构经常邀请的讲员,深受欢迎与肯定,享有「 心灵捕手」及「亲情大师」的美誉。
叶博士曾任台北家庭协谈中心主任、长庚医院社服处处长、 台塑管理训练高级讲师、官渡书院校长等职。
叶博士拥有化工學士、道学硕士、协谈学学硕士、家庭辅导学博士、 辅导心理学博士及博士后研究员(跨文化辅导及心理学) 等学位及资格。研修于美國的Princeton、 Claremont及Harvard等著名学府。此外,获得许多教育、学术及临床方面的督导、训练员、 研究员和院士等专业资格。
39年來,叶博士委身致力于家庭事工及其推广,著有十余本书籍。
叶博士曾在2009的8月8日为我们举办的讲座全家学EQ--- --陪孩子走过,伴孩子成长的特约讲员。 也是2010年4月30日的讲座请你明白我的心的特约讲员。

座席有限。请大家速速报名。

Friday, November 12, 2010

医疗改革好消息:the California Pre-existing Condition Insurance Plan (PCIP)开始实行了

如果有人需要这样的保险,到http://bayecho.com/node/1185 给我发悄悄话。100%为政府做义工,没有任何commision。

As a result of the federal Affordable Care Act of 2010, California has a contract with the federal Department of Health and Human Services to establish a federally-funded high risk pool program to provide health coverage for eligible individuals. The program will last until December 31, 2013 when the national health reform is set to begin. After that date, there will no longer be a need for high risk pools because federal rules will not allow insurers to reject persons with pre-existing conditions or charge them higher rates than those without such conditions.

The federally-funded program is called the California Pre-Existing Condition Insurance Plan (PCIP). The PCIP offers health coverage to medically-uninsurable individuals who live in California. The program is available for individuals who have not had health coverage in the 6 months prior to applying. The California PCIP is run by the Managed Risk Medical Insurance Board (MRMIB).

Pre-Existing Condition Insurance Plan Questions and Answers

Q. If I currently have insurance that is very expensive, can I switch to this new program?
A. No. Unfortunately, federal law prohibits anyone with insurance or who has had insurance within six months of application from eligibility for PCIP.

Q. What if I disenroll in my current health plan and wait for six months to seek PCIP coverage?
A. The state of California cannot advise you on this decision.

Q. How do the premiums compare to MRMIP?
A. PCIP premiums are more than 40 percent cheaper than the cost of coverage provided by the state’s high-risk pool for persons with pre-existing conditions: the Major Risk Medical Insurance Program (MRMIP). For example, for a 50-year-old resident of San Francisco, coverage through PCIP would cost $499 monthly; for the corresponding plan under MRMIP, the monthly cost would be $915.

Q. What is the difference between the benefits of PCIP and MRMIP?
A. Both plans offer broad coverage; however, PCIP does not have any annual or lifetime limits while MRMIP caps coverage at $75,000 annually and $750,000 for lifetime.

Q. Exactly what does PCIP cover?
A. PCIP covers inpatient and outpatient care provided by doctors, psychologists, hospitals, laboratories and imaging centers; the plan also offers generic and brand-name drugs purchased through mail order or a large pharmacy network; disease management services; 24-hour nurse advice and online services.

Q. The federal government is providing the state of California with $761 million to pay for PCIP. Why do I have to pay premiums too?
A. The federal allocation pays for approximately 65 percent of the cost of coverage and the individual is expected to pay for 35 percent of the coverage. This offers a person with pre- existing conditions coverage at a cost no more than what a person without pre-existing conditions would pay in the open-market.

Q. How can I get more information on PCIP?
A. Visit the program website at www.pcip.ca.gov or call 1-877-428-5060 begin_of_the_skype_highlighting 1-877-428-5060 end_of_the_skype_highlighting.

如果保险公司倒闭了,我的保单怎么办?

自从美国的经济走向下坡,自从AIG被政府救了一把,就开始经常有人问我这个问题:如果保险公司倒闭了,我的保单怎么办?

一下转自California Life & Health Insurance Guarantee Association

What happens when my insurance company goes out of business?
In most cases, a guarantee association will continue coverage as long as premiums are paid or cash value exists. It may do this directly, or, most often, it may transfer the policy to another insurance company. In any case, policyholders should continue making premium payments to keep their coverage in force.
How is policy coverage determined?
Coverage is determined by California law and policy language at the time the guarantee association is activated to provide protection (when the member insurer is found to be insolvent and ordered liquidated by a court). In light of changes in the law and the dramatic variations in policy language, the association cannot make statements regarding coverage of a specific policy unless it is a policy with a company for which the association has been activated to provide protection.
What is the California Life & Health Insurance Guarantee Association?
The California Life & Health Insurance Guarantee Association is an association of all insurance companies licensed to sell life insurance, health insurance, and annuities in California. Created by state law, it provides limited protection to policyholders when an insurance company licensed in California to sell life insurance, health insurance, and annuities becomes insolvent.
What protection do I have if my life or health insurance company becomes insolvent?
The Guarantee Association provides LIMITED PROTECTION of your life, health, and annuity benefits if, at the time your insurance company becomes insolvent, you are a California resident policyholder, or if you are the beneficiary, assignee, or payee of such policyholder regardless of your residency.
What kinds of insurance policies does the Guarantee Association protect?
Life insurance policies, health insurance policies, and annuity contracts are protected subject to certain conditions and limitations.
How is protection provided?
Protection can be provided in several different ways. For example, the Guarantee Association may provide coverage directly. Or, a financially sound insurer may take over the insolvent company's assets and policies, and assume responsibility for continuing coverage and paying covered claims. In some situations, the Guarantee Association may work with other state guarantee associations to develop an overall plan to provide protection for the insolvent insurer's policyholders. The amount of protection provided, and when you receive it depend on the particular arrangement worked out for handling the insolvent insurer's obligations.
What kinds of plans, policies, and benefits are not protected by the Guarantee Association?
Policies sold by insurers not licensed to do business in California; policies issued by medical, health, or dental care service corporations; managed care plans; self-insured employer plans; fraternal benefit society insurance certificates; policy benefits the insurer does not guarantee--for example, the non-guaranteed portion of a variable life insurance contract sold by prospectus, or benefits for which the individual has assumed the risk; guaranteed interest rate yields that exceed the rate specified by the California Life & Health Insurance Guarantee Association Act; most unallocated annuity contracts; and charitable gift annuities. Other less commonly known types of insurance policies, and certain types of benefits provided under insurance policies or annuities are also not protected. If you are unsure if your policy is protected you should contact your insurer.
Are covered life insurance and annuity policies fully protected?
No. The maximum amount of protection for which the Guarantee Association may become liable for life insurance and annuity policies is as follows: Life insurance death benefit protection: 80% of the policy death benefit up to a maximum of $250,000; Life insurance net cash surrender and net cash withdrawal values: 80% of the policy value up to a maximum of $100,000; Present value of annuity benefits including net cash surrender and net cash withdrawal values: 80% of the present value up to a maximum of $100,000. Life insurance benefits including net cash surrender and net cash withdrawal values, and annuity benefits including net cash surrender and net cash withdrawal values are subject to interest rate adjustments. Generally, interest rate reductions are made when an insolvent insurer promised a rate of interest in excess of that provided for in the California Life & Health Insurance Guarantee Association Act. The maximum total amount the Guarantee Association will provide for any one individual for life insurance and annuity coverage is $250,000, even if that individual is covered by multiple life insurance policies and annuities.
I have a $250,000 life insurance policy. If I die after my insurance company becomes insolvent, what will my beneficiary receive?
Your beneficiary will be entitled to receive protection from the Guarantee Association in an amount up to $200,000 (80% of $250,000).
The cash surrender value of my life insurance policy is $135,000. If my company becomes insolvent, how much will be protected?
You will be entitled to receive protection from the Guarantee Association in an amount up to $100,000 (80% of $135,000 or $108,000, then reduced to the maximum benefit of $100,000). Interest rate adjustments could further reduce the amount you are entitled to recover.
If I bought three annuities each worth $100,000 from a company that becomes insolvent, how much is protected?
Only $100,000--that is the maximum amount protected by the Guarantee Association for all annuities you purchased from a single insurer.
My spouse and I each have an annuity contract worth $75,000. Does the $100,000 limit apply to us jointly?
No. The limit applies to you and your spouse separately. You and your spouse would have combined total protection of up to $120,000. Each spouse receives up to $60,000 (80% of $75,000). Interest rate adjustments could further reduce the amount you are entitled to recover.
Is my claim against the insolvent insurer affected by the Guarantee Association?
Yes. If you receive benefits from the Guarantee Association, you are deemed to have assigned your rights under the covered policy to the Guarantee Association to the extent of benefits received. The Guarantee Association may require an assignment of such rights prior to providing benefits to any person. The law provides that the Guarantee Association is a creditor of the insolvent insurer to the extent of assets attributable to covered policies. Also, the Guarantee Association has the right of subrogation, and the other equitable and legal remedies available to the policyholder.
Does the Guarantee Association protect my Individual Retirement Annuity (IRA)?
Yes. Assuming all other conditions are met, it is protected up to the limit set for an annuity.
Are covered health insurance policies fully protected?
No. The health insurance protection for which the Guarantee Association may become liable shall be the contractual obligations for which the insurer is liable or would have been liable if it were not an insolvent insurer, up to a maximum benefit of approximately $200,000. This maximum limit is subject to increase or decrease based upon changes in the health care cost component of the consumer price index. Again, some health insurance, like that provided by managed care organizations and associations, is not protected by the Guarantee Association.
I have life and health insurance coverage through my employer. Am I protected?
If your employer bought a group life or health insurance policy covering you from an insurer licensed in this state, then you are protected up to the limits described above. If you belong to a "self-insured" health plan--meaning your employer, not an insurer, provides the coverage through what is called an "ERISA plan," or a self-insured plan, you are not protected by the Guarantee Association.
How will I know if my life or health insurance company has become insolvent?
You will receive official notification from the Department of Insurance of the insurer's state of domicile if the Insurance Commissioner or a court declares your insurance company to be insolvent.
How long will I have to wait to receive the protection provided by the Guarantee Association?
The Guarantee Association will endeavor to provide protection as promptly as possible. Delays are sometimes necessary to sort out the affairs of the insolvent insurer. As a result, you may have to wait several months before receiving the protections provided by law.
Where does the Guarantee Association get the money to provide this protection?
No tax dollars are used to provide this protection. The law authorizes the Guarantee Association to assess all life and health insurance companies licensed to do business in California for the funds necessary to provide the protection.
Does it matter where I live?
The Guarantee Association limits protection to policy owners who are residents of California at the time the insurance company becomes insolvent. However, it does not matter where the payees or beneficiaries live.
What if I move to another state after buying insurance?
Generally speaking, the Guarantee Association of the state in which the policy owner lives at the time the company becomes insolvent provides protection. Although all 50 states plus the District of Columbia and Puerto Rico have Guarantee Associations, the amount of protection may vary. If you move to another state, you should contact the Department of Insurance or Guarantee Association in that state for more information.
I am a resident of California and I have a policy issued by an insurance company that is not licensed in California. Will I receive protection if this insurance company becomes insolvent?
The Guarantee Association only protects policies issued by an insurance company licensed to do business in California. You may, however, be entitled to receive protection from the Guarantee Association located in the insolvent company's home state. You should contact the Department of Insurance or Guarantee Association in that state for more information.
How can I find out if my company is licensed in California?
Call the Department of Insurance at 1-800-927-HELP begin_of_the_skype_highlighting 1-800-927-HELP end_of_the_skype_highlighting, or 213-897-8921 begin_of_the_skype_highlighting 213-897-8921 end_of_the_skype_highlighting from the Los Angeles area. The Department maintains records of all insurance companies licensed to do business in the state.
Why hasn't my agent or company told me more about the Guarantee Association?
Insurers and agents are prohibited by state law from using the existence of the Guarantee Association to sell, solicit or induce the purchase of any form of insurance. This is because the protection is limited, and in some cases there is no protection at all. The existence of the Guarantee Association, therefore, is not and should not be a substitute for your prudent selection of an insurance company that is well managed and financially stable.
How can I get more information about the Guarantee Association?
The purpose of this website is to help you understand the general nature and conditions of life, health, and annuity policy protection provided by the Guarantee Association. It is only a summary, however, and if you have any questions that are not answered here, you may contact the Guarantee Association or the Department of Insurance: California Life & Health Insurance Guarantee Association, PO Box 16860, Beverly Hills, CA 90209-3319; California Department of Insurance, Consumer Communications Bureau, 300 South Spring Street, South Tower, Los Angeles, CA 90013. The intent of this website is to explain briefly, in non-technical language, how the Guarantee Association provides protection to policyholders in the event their insurance company becomes insolvent. This website does not attempt to describe every aspect of Guarantee Association coverage, and some exceptions and limitations may not be described. For a definitive statement of the laws governing the Guarantee Association, you must refer to the California Life & Health Insurance Guarantee Association Act. The Act can be found in California Insurance Code section 1067 et. seq. If there is any inconsistency between this website and any applicable law, then such law will control.