Long Term Care Insurance Policies

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1. Expertise As to Long Term Care Insurance Policies.

A. Long Term Care Insurance Policy Expertise as an Insurance Regulator. I have had extensive and substantive experience relating directly to Long Term Care insurance policies including interpreting policy language and determining the insurer’s obligations under such policies. As a regulator for eight years in three positions ((i) Assistant Attorney General assigned to the Department of Insurance (Iowa), (ii) First Deputy Commissioner of Insurance and (iii) Commissioner of Insurance), along with my staff, I approved (or disapproved) of the language of Long Term Care insurance policies used by each of the 500 life-Long Term Care insurance companies doing business in the state. This regulatory action also included the approval of policy application forms. In addition, I regularly served as an Administrative Law Judge in matters relating directly to Long Term Care insurance policies.

Watch insurance expert Bill Hager discuss long term care issues.

B. Long Term Care Insurance Policy Expertise: NAIC. While Commissioner, I also served as a member of the National Association of Insurance Commissioners (“NAIC”), (including membership on its Executive Committee), the nationwide organization of all state insurance commissioners.

The Executive Committee had and has responsibility for all of the underlying NAIC committees, including the A Committee (Life Insurance and Annuities, including life actuarial issues), the B Committee (Health insurance and Managed Care, including Long Term Care policies and related actuarial issues), the C Committee (Property and Casualty Insurance), the D Committee (Market Regulation and Consumer Affairs), the E Committee (Financial Condition), the F Committee (Financial Regulation Standards and Accreditation), the G Committee (International Insurance Relations) and the H Committee (Information Resources management.

That organization has responsibilities for establishing model insurance administrative regulations and model statutes for consideration by all of the states. While with the NAIC, I served among others as:

  • Chair of the Life Insurance Committee. The charge of this Committee was oversight over all issues relating to life insurance products as well as life insurers, including practices such as applications and policy issuance;
  • Chair of the Universal Life Insurance Task Force. The charge of this Committee was oversight over universal life and similar products; and
  • Chair of the Life Insurance Product Development Task Force. While Chairman of this Task Force, I led the development of model disclosure statements for universal and indeterminate premium life products designed to assist consumers in their comparison of different types of life insurance products.

C. Long Term Care Insurance Policy Expertise: American Academy of Actuaries. Along these same lines, I served as general counsel and chief lobbyist to the American Academy of Actuaries, Washington D.C. The Academy is the national professional association for actuaries. These professionals establish premium levels for policies. In addition, because policy language dictates premium levels, actuaries are also active in determining policy language.

D. Long Term Care Insurance Policy Expertise: CEO of A Major US Insurance Entity. After serving as a regulator, I served as President and Chief Executive Officer for the National Council on Compensation Insurance (“NCCI”), New York City, a nationwide industry owned organization with about 1,500 employees with annual revenues of about $150 million that did (and does) business in about 40 states. NCCI was domiciled in Wisconsin.

This means while CEO, NCCI was subject to the full authority of the various state departments of insurance (“DOIs”) and subject as well to those state’s Insurance Code as well as the jurisdiction of each of those states federal and state courts.

Among my responsibilities at NCCI was (together with my staff) to formulate all workers compensation insurance policy forms as used in our 40 states of operation. This work included drafting all policy language (tailored to the specific state’s insurance code) as well as drafting all endorsements and all other policy forms. In addition, my responsibilities included gaining state insurance department approval of all such policy forms as a condition precedent to their use as submitted by some 600 insurance companies. Finally, I note that among others, the Long Term Care insurance benefit under workers compensation is an important coverage. I am very familiar with the meaning and relevance of specific state approval of policy forms, endorsements and applications and related documents and matters.

E. Long Term Care Insurance Policy Expertise: Reinsurance Arbitrator. I am also one of about 400+ certified reinsurance arbitrators (by ARIAS-US) and have sat as an arbitrator on Long Term Care insurance issues in disputes about policy language between reinsurers and their insurers (like LINA).

2. Expertise as to Duties of Long Term Care Insurance Companies.

A. Expertise as to Duties of Long Term Care Insurance Companies as Commissioner of Insurance. I have also had significant experience and responsibility in connection with determining and passing judgment on insurers’ responsibilities as to insurance agents and as to applicants, insureds, owners and beneficiaries such as those involved here. In particular, in my three regulatory positions previously described, I had daily responsibility to assure and to hold accountable all of the state’s 500 life-Long Term Care insurers for their related obligations. I did so through a series of action steps and tools. The action steps and tools included the following:

1. NAIC Market Regulation Handbook. As Commissioner, I had as an available tool, the NAIC Market Regulation Handbook (“Examiners Handbook” or “Handbook”). Among other things, this Handbook sets forth standards to assess Long Term Care insurer behavior relating to (i) policy application, (ii) policy issuance and (iii) responsibilities relating to their agents. The Handbook also sets forth standards of review as to agent contracts and appointments by insurers of agents. The Handbook is used by every department of insurance in the United States. The standards have been universally agreed to by all of the nation’s Commissioners of Insurance as adopted formally by them through the NAIC. The standards of the Handbook are universally recognized as appropriate standards against which to judge Long Term Care insurer behavior.

2. Market Conduct Examinations. On a regular basis, my regulatory agency conducted Market Conduct Examinations of Long Term Care insurers utilizing the Examiners Handbook to determine whether in fact the target insurer was meeting all of their obligations to their insureds and others. This action entailed physically going into the insurers’ application and policy issuance files to determine any errant action or inappropriate policy behavior. As further discussed below, errant insurers were warned, disciplined and prosecuted as required.

3. NAIC Financial Examiners Handbook. As Commissioner, I had available another tool, namely the NAIC Financial Examiners Handbook (“Financial Examiners Handbook”). Among other things, the Financial Examiners Handbook sets forth standards to assess Long Term Care insurer solvency on a triennial basis. Among other documents reviewed by examiners in reaching financial conclusions are agent contracts and policyholder matters. As with the Market Conduct Examiners Handbook, the Financial Examiners Handbook is used by every department of insurance in the United States. Similarly, these standards have been universally agreed to by all of the nation’s Commissioners of Insurance as adopted formally by them through the NAIC. The standards of the Financial Examiners Handbook are universally recognized as appropriate standards against which to judge Long Term Care insurer behavior.

4. Financial Examinations. On a regular basis, my Department conducted financial examinations of Long Term Care insurers utilizing the Financial Examiners Handbook to determine whether in fact the insurer was and was likely to remain solvent. As with market conduct exams, financial examinations entailed physically going into the insurers’ operations and studying, among others, files to (i) assure compliance with agent and policyholder duties and (ii) to assure that financial reporting as to agent and policyholder matters were properly carried out. As further discussed below, errant insurers were warned, disciplined and prosecuted as required.

5. Complaints From the Public. On a daily basis, my Department received incoming consumer complaints as to Long Term Care insurance company practices. This Consumer Protection Division was staffed by Department lawyers who resolved the individual complaint and also, equally important, those lawyers also determined whether an insurer evidenced unacceptable practices — that is to say, whether the incoming consumer complaints in fact constituted a red flag as to the Long Term Care insurance company’s potential behavior across the board.

6. Prosecution. To the extent insurer behavior required formal action (whether a result of complaints from the public or a result of Department investigation through a Market Conduct Examination or the Financial Examination), my Department prosecuted such Long Term Care insurers under the state’s civil Administrative Procedures Act. In connection with such prosecutions, I served in various capacities during my eight years as a regulator, including serving as (i) prosecutor (as Assistant Attorney General), (ii) as the decision maker as to whether to initiate prosecution in the first instance (while First Deputy and Commissioner of Insurance) and (iii) as the Administrative Law Judge (“ALJ”) who presided over the prosecution and entered findings of fact and conclusions of law as to insurer coverage determinations and claim settlement practices. I have served as an ALJ in scores of such cases where the Long Term Care insurer’s (i) agent, (ii) policy form, (iii) policy application and (iv) overall conduct were the primary issues and I entered final decisions and orders in such matters.

B. Expertise As to Duties of Long Term Care Insurance Companies as an Insurance Industry Executive: CEO of a Major US Insurance Organization. I discuss my executive experience at NCCI under this section because in addition to expertise as to policies (discussed above), my experience at NCCI also resulted in expertise as to insurer responsibilities as to applications, policy issuance and their agents.

While I was President and CEO, NCCI was subject to the full range of authority of the various DOIs as discussed above. I am very familiar with the duties of U.S based insurers relating to their obligations and responsibilities and the regulatory scheme put in place by the various DOIs as to such matters.

While President and CEO of NCCI, I visited and physically toured and reviewed in excess of 400 insurance companies and gained direct exposure to the procedures and processes and standard industry practices of the U.S. insurance community including the Long Term Care insurance community in that any number of those insurers had Long Term Care insurance operations.

C. Expertise as to Duties of Long Term Care Insurance Companies: General Counsel to the American Academy of Actuaries. As stated above, I served as General Counsel and Director of Government Relations for the American Academy of Actuaries. I mention it again here in connection with insurer agent and policy obligations because Academy members included affiliation with virtually every Long Term Care insurance company in America. Among other things, such actuaries had duties relating to policy language and policy pricing. The Academy’s Board of Directors was likewise made up of leading insurance company executives from such Long Term Care insurance companies.

D. Expertise as to Duties of Long Term Care Insurance Companies: Attorney in Private Practice Iowa. As an attorney in private practice, I represented a number of agent and insurer interests and became familiar with applicable Long Term Care industry standards of practice, including insurer responsibilities toward their agents. Those interests also included intimate involvement with insurance forms as counsel to the (i) Professional Insurance Agents of Iowa and (ii) the Iowa Association of Life Underwriters (life, Long Term Care, health and annuity insurance agents).

3. Additional Expertise

A. Formal Education.

  • 1. Bachelors Degree in Mathematics. I hold a bachelors degree in secondary mathematics education from the University of Northern Iowa;
  • 2. Masters Degree in Psychology. I hold a masters degree in educational psychology from the University of Hawaii; and
  • 3. Juris Doctor’s Degree. I hold a J.D. degree from the University of Illinois.

B. Licensure and Certification.

  • 4. Certified Reinsurance Arbitrator. I am certified by ARIAS as one of about 250 U.S. certified reinsurance arbitrators;
  • 5. Admitted to Practice Law. I am licensed and admitted to practice law upon examination in the states of Iowa, Illinois and Florida; and
  • 6. Admitted to Practice before the U.S. Supreme Court. I am also admitted to practice before the U.S. Supreme Court.

C. Insurance Expert. 

  • 7. Expert Witness. I have served as an expert witness in several cases throughout the U.S. and have been qualified as an expert witness in about 20 states.
  • 8. Insurance Consultant to the U.S. Attorney. By way of example of my various assignments, I have been retained by the U.S. Attorney, the Middle District of Florida, as an insurance consultant in a complex civil insurance matter.
  • 9. Insurance Consultant to the U.S. Department of Justice and Expert Witness to the United States Air Force. Similarly, I have also been retained by the U.S. Department of Justice as an insurance consultant in a complex insurance case. Likewise, I have served as an expert witness to the United States Air Force in a complex commercial general liability matter.
  • 10. Expert Witness: on Behalf of Various Departments of Insurance. I have also been retained as an expert witness by the: (i) Florida Department of Insurance and testified on their behalf in Florida state court, and (ii) the Arizona Department of Insurance and testified on their behalf. In addition, I have been received as and testified as an insurance expert witness before the Nevada, Oklahoma, South Dakota and Texas Departments of Insurance.

D. Industry Background: Reinsurance Arbitrator. 

  • 11. Reinsurance Arbitrator: Life and Long Term Care Cases. November 2003 to Present. My background includes extensive exposure to the various reinsurance mechanisms and relationships. Along these same lines and as indicated above, I am a certified ARIAS-US reinsurance arbitrator (see immediately below) and have sat as an arbitrator in cases between health insurers and their reinsurers. The relevance of this experience to this case is that reinsurers have substantial influence on the underwriting standards of Long Term Care insurers.As of November 2003, I was certified by AIDA Reinsurance and Insurance Arbitration Society, United States (“ARIAS-US”) as an arbitrator for reinsurance and insurance matters. Today, there are about 400+ individuals so certified by ARIAS in the United States.ARIAS-US certifies knowledgeable and reputable professionals for service as panel members in reinsurance and insurance arbitration matters. The organization’s criteria for certification are as follows:
    • 10 years of significant specialization in the insurance/reinsurance industry;
    • Arbitration experience – must have completed appropriate credited ARIAS seminars;
    • A member in good standing of ARIAS-US;
    • Appropriate endorsement from existing members.

E. Industry Background in General

  • 12. CEO of a Major US Insurance Organization, Regulated Throughout the US; President and Chief Executive Office of the National Council on Compensation Insurance (NCCI; Boca Raton, Florida), 1990 – 1998. NCCI is one of the larger and more pervasive U.S. insurance organizations. During my tenure as President and CEO, NCCI had (and continues to have) responsibility to accurately price and file pricing for some $12 - $15 billion of workers compensation insurance in 39 states throughout the U.S. NCCI prepared proposed premium filings for regulators to approve by extracting key data from its 600 member insurance companies and then used that data to project necessary premium changes. NCCI accomplished this mission through some 1,000 employees of which approximately 600 were professionals, and had an annual revenues of $140 million.Health Insurance Program. As CEO, I had daily exposure and responsibilities to the U.S. workers compensation program as administered by the various states, which constitutes one of the largest health insurance programs in the world with some 100 million worker lives insured (in addition, of course, other important coverages are provided through workers compensation, most notably life insurance, wage replacement and medical coverage).Underwriting and Claim Settlement Practices. In addition and relevant to this case, NCCI had a vested interest in member insurer underwriting and claim practices in that the industry’s reputation for fair underwriting and claim settlement practices ultimately impacted regulatory attitudes toward NCCI’s premium approval process.Industry Standards of Practice. While President and CEO of NCCI, I visited and physically toured and reviewed in excess of 400 insurance companies and gained direct exposure to the procedures and processes and standard industry practices of the U.S. insurance community and its underwriting and claim settlement practices. I have had extensive exposure to insurer practices and procedures.

    Admitted to do Business in Some 40 States. Among other states, NCCI was admitted to do business and did business in some 40 states as a rating organization. In that capacity, NCCI was subject to the Insurance Codes of those states as well as the full authority of each of the DOIs and subject as well to the authority of their state and federal courts. I am familiar with the insurance regulatory scheme in place in the various states.

  • 13. General Counsel and Director of Government Relations to the American Academy of Actuaries (Washington D.C.), 1980 – 1983. I served as General Counsel and Director of Government Relations for the American Academy of Actuaries, including advising on admissions, discipline, federal antitrust and general corporate law. I represented the 10,000 member professional organization before Congress (e.g., Senate Committees on Banking, Commerce, Finance and Labor, and House committees on Education, Labor, Energy, and Ways and Means) and the various federal regulatory agencies.Long Term Care Insurance Companies. The Academy is the professional organization of actuaries and includes qualified actuaries from all disciplines and all forms of insurers. Academy members included affiliation with virtually every Long Term Care insurance company in America. The Academy’s Board of Directors was likewise made up of leading insurance company executives from such companies.
  • 14. Risk Metrics Corporation. I co-founded this Florida based information company in 1998. Risk Metrics (including Datalister, Inc.) gathers and sells public data relating to workers compensation to a wide range of insurance oriented customers, including insurance agents. I have sold my interest in this corporation many years ago.
  • 15. Attorney in Private Practice. As an attorney in private practice, I represented a number of agent and insurer interests and became familiar with applicable regulatory and industry standards of practice. Those interests included the position of Iowa Counsel to the Property Casualty Insurers Association of America (“PCIAA”)

Long Term Care Insurance Issues. Those interests also included intimate involvement with Long Term Care insurance, as counsel to the:

  • Professional Insurance Agents of Iowa and
  • Iowa Association of Life Underwriters (life and Long Term Care insurance agents).

Specific duties as counsel at both the Professional Insurance Agents of Iowa and the Iowa Association of Life Underwriters (life and Long Term Care insurance agents) included in-depth familiarity with Long Term Care claim settlement practices.

F. Regulatory

  • 16. Commissioner of Insurance, Iowa 1986 – 1990. As Insurance Commissioner appointed by Governor Terry Branstad in July 1986, I was responsible for the regulatory oversight of all insurance companies, agents and brokers authorized to conduct business in the state of Iowa. My agency was responsible for solvency oversight, insurance company examinations, financial and accounting matters of insurance companies, consumer protection, agent and broker licensing, and oversight of Long Term Care insurance company practices, including claim settlement practices. In particular, that oversight included the responsibility of overseeing practices of Long Term Care insurer claim settlement practices. In addition, I oversaw the state regulation of the securities industry with Iowa’s Superintendent of Securities reporting directly to me.Regulatory Oversight: Long Term Care Insurer Practices. In addition, as Insurance Commissioner, my responsibilities included oversight over the education, licensing, discipline and general supervision of all Long Term Care insurance companies in the state. I am very familiar with the responsibilities and applicable obligations that come to bear upon Long Term Care insurance companies.Regulatory Oversight: Long Term Care Insurance Underwriting. As Insurance Commissioner, I also had day-to-day responsibility to assure that all claim settlement practices carried out by Long Term Care insurance companies doing business in the state met their duties, obligations and statutory and regulatory responsibilities as they settled cases.Examination of Long Term Care Insurance Companies. As Insurance Commissioner, I directed and oversaw the examination of all insurance companies authorized to do business in the State of Iowa. Those examinations included focus on both financial matters (so called triennial examinations of insurers – of which well over 100 such examinations were conducted while I was Commissioner) and examinations of specific complaints about insurers (so called Market Conduct Examinations - well over 50 such exams were conducted while I was Commissioner).

    Market Conduct Examinations of Long Term Care Insurer Claim Settlement Practices. Market Conduct Examinations focused on marketplace issues, specifically examining Long Term Care insurance companies as to compliance with their claim settlement practices. Concurrent with such exams, I personally reviewed and approved the final Examination Reports before they were issued. In addition, in many of these instances, I visited the subject Long Term Care insurer before the Examination Report was issue, including walking the floors of such insurance companies – reviewing their effected operations first hand.

    Prosecution of Long Term Care Insurance Companies. As Insurance Commissioner, I employed a full time team of lawyers who fielded consumer complaints relating to all areas of Long Term Care insurance company operations. Indeed, many of these complaints, as well as results of Market Conduct Examinations, resulted in formal action under the state’s Administrative Procedures Act. From time to time, I served as the Hearing Officer as to such matters.

    Major Insurance State. Iowa has about 1,000 authorized property and casualty insurance companies and over 500 life and Long Term Care insurance companies and an unusually large number of domestic insurance companies and as such, insurance regulation in that state is a serious job.

  • 17. National Association of Insurance Commissioners (NAIC), 1986 – 1990. Concurrent with my service as Iowa Insurance Commissioner, I served as a member of the NAIC. The NAIC is an organization of the Insurance Commissioners of all 50 states and meets quarterly in locations throughout the U.S. to consider and evaluate national insurance issues. Further, the organization is professionally staffed with more than one hundred personnel. The organization is based in Kansas City, Missouri. The NAIC considers all major insurance issues and then promulgates model insurance laws and regulations, which are then routinely (but optionally) adopted at the individual state level.NAIC Chairmanships – Chairman of the Midwest Zone. I was elected by my fellow Insurance Commissioners from the Midwest Zone (composed of the Midwest states, constituting about one quarter of all of the states) to provide leadership and representation of the Midwest before the balance of the states. This position included a position on the Executive Committee of the NAIC as well as major responsibilities relating to the assignment of states (and their related examiners) to specific examinations, both triennial and Market Conduct.NAIC Leadership: Member of the Executive Committee. I also served as an elected member of the Executive Committee of the NAIC, the body that served as the steering committee of the organization, providing leadership between full membership meetings and providing recommendations to the full membership as to complex or politically charged issues within the organization, including oversight over the “B” Committee, which oversees Long Term Care policies and their related insurers and sales.NAIC Chairmanships – Chair of the Life Insurance Committee: Underwriting Issues. As a member of the NAIC, I served as both Vice Chairman and Chairman of the NAIC Life Insurance Committee. The charge of this Committee was oversight over all issues relating to life insurance products (including illustrations) as well as life insurers, including practices such as underwriting.

    NAIC Chairmanships: Chair of the Universal Life Insurance Task Force. In addition to chairing the Life Insurance Committee, I also chaired the Universal Life Insurance Task Force.

    NAIC Chairmanships: Chair of the Life Insurance Product Development Task Force. I also chaired the Life Insurance Product Development Task Force. While chairman of this task force, I led the development of model disclosure statements for universal and indeterminate premium life products designed to assist consumers in their comparison of different types of interest sensitive life insurance products.

    Other NAIC Chairmanships: I also served in a number of NAIC capacities including Chairman of the Financial Services and Insurance Regulation Task Force.

    In addition, my service on the following NAIC Committees was also helpful in this regard:

    • Member, the Blanks Committee
    • Member, Guarantee Fund Committee
    • Member, Rehabilitator and Liquidators Committee
    • Member, Casualty Actuarial Committee
    • Member, Commercial Lines Committee
    • Member, Valuation of Securities Committee
    • Member, International Insurance Relations Committee
    • Member, Accounting Practices and Procedures Committee and
    • Member, State and Federal Legislative Committee.

    Ongoing Regulatory Involvement. In the years since leaving the regulatory ranks, I have continued to be closely involved with the NAIC and the regulatory community. As President and CEO of NCCI, I was in regular attendance at meetings of the NAIC and continue to attend these meetings and to be actively engaged with the regulatory process. Included in this attendance were my observations at the NAIC of the regulation of the Long Term Care industry.

  • 18. First Deputy Commissioner of Insurance, Iowa 1976 – 1978. As First Deputy Insurance Commissioner, I was responsible for the regulatory oversight of all insurance companies, agents and brokers authorized to conduct business in the state of Iowa. I was responsible for solvency oversight, insurance company examinations, financial and accounting matters of insurance companies, consumer protection, agent and broker licensing, and oversight of Long Term Care insurance company practices, including claim settlement practices. In particular, that oversight included the responsibility of overseeing practices of Long Term Care insurer claim settlement practices.Regulatory Oversight: Long Term Care Insurer Practices. In addition, as First Deputy Insurance Commissioner, my responsibilities included oversight over the education, licensing, discipline and general supervision of all Long Term Care insurance companies in the state. I am very familiar with the responsibilities and applicable obligations that come to bear upon Long Term Care insurance companies.Regulatory Oversight: Long Term Care Insurance Underwriting. As First Deputy Insurance Commissioner, I also had day-to-day responsibility to assure that all claim settlement practices carried out by Long Term Care insurance companies doing business in the state met their duties, obligations and statutory and regulatory responsibilities as they settled cases.Examination of Long Term Care Insurance Companies. As First Deputy Insurance Commissioner, I directed and oversaw the examination of all insurance companies authorized to do business in the State of Iowa, including Long Term Care insurers. Those examinations included focus on both financial matters (so called triennial examinations of insurers – of which well over 50 such examinations were conducted while I was First Deputy Insurance Commissioner) and examinations of specific complaints about insurers (so called Market Conduct Examinations - well over 50 such exams were conducted while I was First Deputy Insurance Commissioner; see the discussion that follows).

    Market Conduct Examinations of Long Term Care Insurer Claim Settlement Practices. Market Conduct Examinations focused on marketplace issues, specifically examining Long Term Care insurance companies as to compliance with their claim settlement practices. Concurrent with such exams, along with the Commissioner, I personally reviewed the final Examination Reports before they were issued. In addition, in many of these instances, I visited the subject Long Term Care insurer before the Examination Report was issue, reviewing their effected operations first hand.

    Prosecution of Long Term Care Insurance Companies. As First Deputy Insurance Commissioner, I oversaw a full time team of lawyers who fielded consumer complaints relating to all areas of Long Term Care insurance company operations. Indeed, many of these complaints, as well as results of Market Conduct Examinations, resulted in formal action under the state’s Administrative Procedures Act. From time to time, I served as the Hearing Officer as to such matters.

  • 19. Iowa Assistant Attorney General Assigned to the Insurance Department, 1975-1976; serving as the Department’s General Counsel. As Assistant Attorney General, I had departmental prosecutorial responsibilities for violations of the Insurance Code under the state’s APA act including those committed by Long Term Care insurance companies. The Attorney General responsibility also included issuing Attorney General Opinions as to the construction of insurance laws and regulations.
  • 20. Legal Counsel to House of Representatives. As legal counsel to the Iowa House of Representative (1975 session), I provided counsel on all relevant caucus issues and provided the following support:
    • Researched pending legislation,
    • Prepared memorandums in support of proposed legislation,
    • Provided legal advice, and
    • Participated in bill drafting, including that relating to Long Term Care insurance.
  • 21. Lecturer at the Bar Review School, authoring and delivering the Insurance Course to students studying for the Iowa Bar Exam (from about 1985- 1991). I was invited to provide the insurance content review material and lecture for the insurance section of the bar review course in Iowa. Included in this lecture was extensive law applicable to the interpretation and construction of laws and regulations applicable to Long Term Care insurance companies, including their underwriting practices. I authored this material and provided this lecture to students studying to pass the bar for about six years, until accepting the position of President and CEO of NCCI in Florida.
  • 22. Chief of Staff in the U.S. Congress. I served as Chief of Staff in the U.S. Congress in Washington D.C. to an Iowa Congressman for about a year. Among others, I participated in legislative drafting of insurance and reinsurance legislation.

Contact Bill Hager at 561-306-5072 or via email to discuss your case.

William D. Hager - Insurance and Reinsurance Expert and Arbitrator

William D. Hager

Insurance and Reinsurance
Expert and Arbitrator

561-306-5072


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