Economic Security and the Economics of Life and Health Insurance</ti= tle>  <link rel=3DPresentation-XML href=3D"healthinsurance_files/pres.xml"> <meta name=3DDescription content=3D"3/20/2006: Health Insurance"> <meta http-equiv=3Dexpires content=3D0> <![if !ppt]><script>  </script><![endif]> </head> <body> <script></script><font face=3DArial size=3D2><b> <p>This presentation contains content that your browser may not be able to = show properly. 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colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master09.xml"> <p:shaperange href=3D"master09.xml#_x0000_s8193"/><![if !ppt]><p:shaperange href=3D"master09.xml#_x0000_s8213"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s8213,_x0000_s8194,_x0000_s8195" src=3D"master09_image0= 01.gif" style=3D'position:absolute;top:0%;left:0%;width:64.41%;height:100.5%'><![e= ndif]><p:shaperange href=3D"master09.xml#_x0000_s8210"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s8210,_x0000_s8204,_x0000_s8205" src=3D"master09_image0= 02.gif" style=3D'position:absolute;top:71.25%;left:39.7%;width:53.55%;height:5.0%'= ><![endif]><p:shaperange href=3D"master09.xml#_x0000_s8206"/> <div v:shape=3D"_x0000_s8206" class=3DO style=3D'text-align:right;position= :absolute; top:95.25%;left:27.71%;width:21.53%;height:2.25%'><span lang=3DEN-US style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta0'= >Monday, March 20, 2006</span><span style=3D'font-size:42%;color:white;mso-color-in= dex: 0;mso-special-format:lastCR;display:none'> </span></div> <p:shaperange href=3D"master09.xml#_x0000_s8207"/> <div v:shape=3D"_x0000_s8207" class=3DO style=3D'text-align:right;position= :absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>Copyright MacMinn.org</span><span style=3D'font-siz= e: 42%;mso-special-format:lastCR;display:none'> </span></div> <p:shaperange href=3D"master09.xml#_x0000_s8209"/> <div v:shape=3D"_x0000_s8209" class=3DO style=3D'position:absolute;top:95.= 5%; left:1.87%;width:4.49%;height:2.25%'><span style=3D'font-size:42%;color:wh= ite; mso-color-index:0;mso-field-code:meta16'><b>1</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> <![endif]><p:shaperange href=3D"master09.xml#_x0000_m8211"/><v:shape id=3D= "_x0000_s67590" type=3D"#_x0000_m8211" style=3D'position:absolute;left:54pt;top:78pt;widt= h:9in; height:150pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"centerTitle"/></v:shape><p:shaperange href=3D"master09.xml#_x0000_m8197"/><v:shape id=3D"_x0000_s67591" type=3D= "#_x0000_m8197" style=3D'position:absolute;left:368pt;top:330pt;width:316pt;height:44pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"subTitle" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s67590" class=3DCT style=3D'position:absolute;top:2= 4.5%; left:11.42%;width:82.39%;height:7.75%'>Health Insurance</div> <div v:shape=3D"_x0000_s67591" class=3DCB style=3D'text-align:center;posit= ion:absolute; top:65.75%;left:52.05%;width:41.94%;height:3.25%'><span style=3D'font-size= :50%'><p:onmouseclick hyperlinktype=3D"url" href=3D"http://macminn.org/"/><a href=3D"http://mac= minn.org/" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;">Richard M= acMinn</a></span><span style=3D'font-size:50%;mso-special-format:lastCR;display:none'> </span= ></div> </p:slide></div> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/master09_image001.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhWAGSAXcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAAAAABX AZABgQAAAJnMmf///wECAwL/jI+py+0Po5y02ouzlqD7D4biSJZmuaXqyrbuC6fnTNd2GOf6zve+ dgsKh52f8YhMKi3EphO1jEqnVNjzigVUt9yud5ENE7/ksvkoTt/O7LZbpY7P3vS6vSHPk+78/lsP COI3SOgVeKhVqLiohBjICBnJ4wgoaXnJQqmHydnJpCnnKTqKBxpHippqepra6rmq5iqLCZs2extZ K4bLq6gb1hvs95slbGxHjHW87JZ8xQxt5vwUXW043WStXYWdvf291D0GTo4mLlSe7nOOru6ewx70 Pv8Sv0aPD2dfk98PtE/Dn8BPAE8MPMihoEGEDEsphNIwIoKHJiRaNEAR4sWG/xn3bIzYccRHkCFx jGRY0uTJgykFrWTZ0sNLmDETzfRXs8hNnDl38qzps19Om0HnDS2K7yhSoz2XvlPqVB3UqOWmUgVn 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<link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0002.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Objectives"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"69"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO style=3D'position:absolute;top:95.= 5%; left:3.74%;width:2.8%;height:2.25%'><span style=3D'font-size:42%;color:whi= te; mso-color-index:0;mso-field-code:meta16'><b>2</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s70658" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s70658" class=3DT style=3D'position:absolute;top:18= .75%; left:10.11%;width:83.33%;height:7.75%'>Objectives</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s7= 0659" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s70659" class=3DB> <div id=3D"_x0000_s70659_0_45" style=3D'mso-line-spacing:"90 20 0";positio= n:absolute; top:35.0%;left:10.11%;width:86.14%;height:5.25%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.34%;width:95.65%;height:100.0%'><= span style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.54%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"url" href=3D"http://richardmacminn.com/issues.mht"/><a href=3D"http://richardmacminn.com/issues.mht" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Consider who should provide health insurance</a></span><span style=3D'font-size:86%; display:none'> </span></span></div> <div id=3D"_x0000_s70659_45_111" style=3D'mso-line-spacing:"90 20 0";posit= ion: absolute;top:40.75%;left:10.11%;width:91.01%;height:10.0%;white-space:nowr= ap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%;height:52.5%'><s= pan style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.29%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Note the difference between individual and group </a></span></span><span style=3D'position:absolute;top:47.5%;left:4.11%;width:86.21%;height:52.5%'= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">health insurance</a></span><= span style=3D'font-size:86%;display:none'> </span></span></div> <div id=3D"_x0000_s70659_111_178" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:51.5%;left:10.11%;width:92.5%;height:10.0%;white-space:nowrap= '><span style=3D'position:absolute;top:0%;left:4.04%;width:95.95%;height:52.5%'><s= pan style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.21%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"263,5,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0008.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Describe the important features of comprehensive </a></span></span><span style=3D'position:absolute;top:47.5%;left:4.04%;width:84.81%;height:52.5%'= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"263,5,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0008.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">medical insurance</a></span>= <span style=3D'font-size:86%;display:none'> </span></span></div> <div id=3D"_x0000_s70659_178_212" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:62.0%;left:10.11%;width:82.2%;height:5.25%;white-space:nowrap= '><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%;height:100.0%'><= span style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.77%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"268,9,Long-term care insurance"/><a href=3D"javascript:parent.GoToSld('slide0013.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Describe long term care insurance</a></span><span style=3D'font-size:86%;display:no= ne'> </span></span></div> <div id=3D"_x0000_s70659_212_264" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:68.0%;left:10.11%;width:94.56%;height:5.25%;white-space:nowra= p'><span style=3D'position:absolute;top:0%;left:3.96%;width:96.03%;height:100.0%'><= span style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.12%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"274,15,Disability"/><a href=3D"javascript:parent.GoToSld('slide0019.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Describe the market for disability income insurance</a></span><span style=3D'font-s= ize: 86%;display:none'> </span></span></div> <div id=3D"_x0000_s70659_264_325" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:73.75%;left:10.11%;width:89.7%;height:10.0%;white-space:nowra= p'><span style=3D'position:absolute;top:0%;left:4.17%;width:95.82%;height:52.5%'><s= pan style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.35%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"275,16,Disability Coverage"/><a href=3D"javascript:parent.GoToSld('slide0020.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Note the principal benefits of disability insurance </a></span></span><span style=3D'position:absolute;top:47.5%;left:4.17%;width:87.47%;height:52.5%'= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"275,16,Disability Coverage"/><a 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</b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s129026" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s129026" class=3DT><span style=3D'position:absolute; top:13.24%;left:10.11%;width:83.33%;height:6.75%'><span style=3D'font-size= :89%'>Individual versus group health </span></span><span style=3D'position:absolute;top:19.= 5%; left:10.11%;width:83.33%;height:6.75%'><span style=3D'font-size:89%'>insur= ance</span></span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 29028" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"zoom" direction=3D"out"/= ></v:shape> <div v:shape=3D"_x0000_s129028"> <div id=3D"_x0000_s129028_0_11" class=3DHB style=3D'mso-line-spacing:"90 2= 0 0"; position:absolute;top:35.0%;left:10.11%;width:39.32%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:83%'><b>Individual&= #13;</b></span></span></div> <div id=3D"_x0000_s129028_11_103" class=3DHB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:39.75%;left:15.16%;width:39.13%;height:14.75%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.13%; width:81.33%;height:27.11%'><span style=3D'font-size:90%'><span style=3D'mso-special-format:bullet;position:absolute;left:-10.0%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:90%'>Coverage= is provided to </span></span><span style=3D'position:absolute;top:25.42%; left:8.13%;width:91.86%;height:27.11%'><span style=3D'font-size:90%'>speci= fic individuals under a </span></span><span style=3D'position:absolute;top:49.= 15%; left:8.13%;width:87.08%;height:27.11%'><span style=3D'font-size:90%'>policy issued to a specific </span></span><span style=3D'position:absolute;top:74= .57%; left:8.13%;width:79.9%;height:27.11%'><span style=3D'font-size:90%'>indivi= dual </span></span></div> <div id=3D"_x0000_s129028_103_145" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:55.0%;left:15.16%;width:38.57%;height:7.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:8.25%;width:91.74%; height:53.33%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-8.99%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:90%'>Policy ownership is vested </span></span><span style=3D'position:absolute;top:50.0%;left:8.25%;width:81.06%;height:53.33%= '><span style=3D'font-size:90%'>in the insured </span></span></div> <div id=3D"_x0000_s129028_145_184" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:63.25%;left:15.16%;width:36.51%;height:7.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.71%;width:91.28%; height:53.33%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-9.55%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:90%'>Insured provides proof of </span></span><span style=3D'position:absolute;top:46.66%;left:8.71%;width:85.64%;height:53.33= %'><span style=3D'font-size:90%'>insurability </span></span></div> <div id=3D"_x0000_s129028_184_273" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 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position:absolute;top:39.75%;left:58.05%;width:40.07%;height:11.25%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:7.94%; width:85.98%;height:35.55%'><span style=3D'font-size:90%'><span style=3D'mso-special-format:bullet;position:absolute;left:-9.23%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:90%'>Coverage= is provided to a </span></span><span style=3D'position:absolute;top:33.33%; left:7.94%;width:92.52%;height:35.55%'><span style=3D'font-size:90%'>group= of individuals under a </span></span><span style=3D'position:absolute;top:64.= 44%; left:7.94%;width:78.03%;height:35.55%'><span style=3D'font-size:90%'>single contract </span></span></div> <div id=3D"_x0000_s129029_77_224" class=3DHB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:51.5%;left:58.05%;width:38.57%;height:22.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.25%;width:91.74%; height:18.18%'><span style=3D'font-size:90%'><span 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<meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0006.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"129"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>4</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s132098" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s132098" class=3DT style=3D'position:absolute;top:1= 9.5%; left:10.11%;width:95.69%;height:6.75%'><span style=3D'font-size:89%'>Indiv= idual medical expense insurance</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 32099" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s132099"> <div id=3D"_x0000_s132099_0_37" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Need for indiv= idual health insurance </span></span></div> <div id=3D"_x0000_s132099_37_91" class=3DB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:40.75%;left:15.16%;width:86.14%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.69%;width:96.3%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.83%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Those not covered by group or government health plans </span></span></div> <div id=3D"_x0000_s132099_91_100" class=3DB2 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:45.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Students <= /span></span></div> <div id=3D"_x0000_s132099_100_115" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:50.0%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>early retirees= </span></span></div> <div id=3D"_x0000_s132099_115_147" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:54.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>those with no employer coverage </span></span></div> <div id=3D"_x0000_s132099_147_165" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:58.74%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>temporary workers </span></span></div> <div id=3D"_x0000_s132099_165_184" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:63.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>unemployed persons </span></span></div> <div id=3D"_x0000_s132099_184_245" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:67.5%;left:20.22%;width:86.14%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:2.82%;width:97.17%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-2.9%;top:.3em;font-family:Wingdings;font-si= ze: 75%'>l</span></span><span style=3D'font-size:90%'>children, spouses and ot= her dependents not otherwise covered </span></span></div> <div id=3D"_x0000_s132099_245_394" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:72.0%;left:15.16%;width:90.44%;height:12.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.51%;width:88.61%; height:36.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-for= mat: bullet;position:absolute;left:-3.97%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Supplemental coverage is also necessary under some= </span></span><span style=3D'position:absolute;top:32.0%;left:3.51%;width:96.68%;height:36.0%'= ><span style=3D'font-size:83%'>circumstances in the United Kingdom, France, Canad= a, the </span></span><span style=3D'position:absolute;top:64.0%;left:3.51%;width:= 81.98%; height:36.0%'><span style=3D'font-size:83%'>United States (with respect to Medicare)</span></span></div> </div> </p:slide></div> <p:animation number=3D"314860587"/><oa:par id=3D"TimeNode0" dur=3D"indefini= te" restart=3D"never" p:nodeType=3D"timingRoot"> <oa:seq id=3D"TimeNode1" dur=3D"indefinite" prev=3D"document.onpptprev" next=3D"document.onpptnext" concurrent=3D"enabled" nextAction=3D"seek" p:nodeType=3D"mainSeq"> <oa:par id=3D"TimeNode2" begin=3D"indefinite" fill=3D"hold"> <oa:par id=3D"TimeNode3" begin=3D"0.0" fill=3D"hold"> <oa:par id=3D"TimeNode4" o:presetID=3D"ppt_2" o:presetClass=3D"entrance" o:presetSubType=3D"0x4" begin=3D"0.0" fill=3D"hold" o:groupID=3D"0" p:nodeType=3D"clickEffect"> 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style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>5</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s134146" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s134146" class=3DT style=3D'position:absolute;top:1= 9.5%; left:10.11%;width:95.69%;height:6.75%'><span style=3D'font-size:89%'>Indiv= idual medical expense insurance</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 34147" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s134147"> <div id=3D"_x0000_s134147_0_9" class=3DB style=3D'position:absolute;top:35= .5%; left:10.11%;width:82.2%;height:6.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%;height:100.0%'><= span class=3DBB style=3D'position:absolute;left:-4.77%;top:.3em'>l</span>Covera= ge </span></div> <div id=3D"_x0000_s134147_9_31" class=3DB1 style=3D'position:absolute;top:= 42.75%; left:15.16%;width:77.34%;height:5.25%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%;height:100.0%'><= span class=3DB1B style=3D'position:absolute;left:-4.29%;top:.3em'>–</span= >Insuring arrangements </span></div> <div id=3D"_x0000_s134147_31_45" class=3DB2 style=3D'position:absolute;top= :48.75%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Life insurers </span></div> <div id=3D"_x0000_s134147_45_94" class=3DB3 style=3D'position:absolute;top= :54.0%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>These insurers typically provide indemnity plans </span></div> <div id=3D"_x0000_s134147_94_126" class=3DB2 style=3D'position:absolute;to= p:58.99%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span><p:on= mouseclick hyperlinktype=3D"url" href=3D"http://www.bcbs.com/"/><a href=3D"http://www.bcbs.com/" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Blue Cross/Blue Shield</a><span style=3D'mso-spacerun:yes'> </span>insurer= s </span></div> <div id=3D"_x0000_s134147_126_184" class=3DB3 style=3D'position:absolute;t= op:64.25%; left:25.09%;width:78.27%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.34%;width:96.88%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-3.45%;top:.22em'>–</spa= n>Blues pay negotiated rates to hospital and care providers </span></div> <div id=3D"_x0000_s134147_184_223" class=3DB2 style=3D'position:absolute;t= op:69.25%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Health maintenance organizations (HMO) </span></div> <div id=3D"_x0000_s134147_223_261" class=3DB3 style=3D'position:absolute;t= op:74.5%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>HMO’s combine finance and health care</span></div> </div> 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colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>6</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s138242" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s138242" class=3DT style=3D'position:absolute;top:1= 9.5%; left:10.11%;width:95.69%;height:6.75%'><span style=3D'font-size:89%'>Indiv= idual medical expense insurance</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 38243" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s138243"> <div id=3D"_x0000_s138243_0_19" class=3DB style=3D'mso-line-spacing:"80 20= 0"; position:absolute;top:34.5%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Coverage continued </span></span></div> <div id=3D"_x0000_s138243_19_40" class=3DB1 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:39.75%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Benefit arrangements </span></span></div> <div id=3D"_x0000_s138243_40_57" class=3DB2 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:44.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Benefits include </span></span></div> <div id=3D"_x0000_s138243_57_100" class=3DB3 style=3D'mso-line-spacing:"80= 20 0"; position:absolute;top:48.25%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Inpatient and outpatient hospital services </s= pan></span></div> <div id=3D"_x0000_s138243_100_134" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:51.75%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Physician and diagnostic services </span></spa= n></div> <div id=3D"_x0000_s138243_134_189" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:55.25%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Specialty services like physical therapy and radiology </span></span></div> <div id=3D"_x0000_s138243_189_208" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:58.74%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Prescription drugs </span></span></div> <div id=3D"_x0000_s138243_208_240" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:62.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Major </span><= span style=3D'font-size:90%'><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.ehealthinsurance.com/"/><a href=3D"http://www.ehealthinsurance.com/" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= medical expense insurance</a></span><span style=3D'font-size:90%;display:none'>= 3;</span></span></div> <div id=3D"_x0000_s138243_240_259" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:66.5%;left:25.09%;width:67.22%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Deductible ($5000) </span></span></div> <div id=3D"_x0000_s138243_259_277" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:70.0%;left:25.09%;width:67.22%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Coinsurance (20%) </span></span></div> <div id=3D"_x0000_s138243_277_307" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:73.5%;left:25.09%;width:67.22%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Lifetime maximum ($5,000,000) </span></span></= div> <div id=3D"_x0000_s138243_307_325" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:77.25%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/Local%20Settings/Temp/healthinsurancepolicypayoff.html"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/Local%20Settings/Temp/healthinsurancepolicypayoff.html" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>Out-of-pocket cap</a></span><span style=3D'font-size:89%;display= :none'> </span></span></div> <div id=3D"_x0000_s138243_325_386" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:80.75%;left:25.09%;width:73.59%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.56%;width:96.43%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.69%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Medical savings accounts (partial solution to moral hazard?) </span></span></div> <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:= 84.25%; left:20.22%;width:72.28%;height:4.0%'><span style=3D'position:absolute; top:0%;left:3.36%;width:96.63%;height:100.0%'><span style=3D'font-size:90%; visibility:hidden'><span style=3D'mso-special-format:bullet;position:absol= ute; 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buildAdvance=3D"o= nclick" userSetAnimBgd=3D"false"/> <![endif]> <![if !ppt]> <div id=3DNotesObj style=3D'display:none'> <table style=3D'color:white' border=3D0 width=3D"100%"> <tr> <td width=3D5 nowrap></td> <td width=3D"100%"></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>Go to eHealthInsurance.com and note the care provisions of the various providers.<span style=3D'mso-spacerun:yes'> </span>Get quotes for t= hree policies and run a comparison.<span style=3D'mso-spacerun:yes'> </span>Note the deductible, coinsurance, out-of-pocket cap if any, and any other maximums.<span style=3D'mso-spacerun:yes'> </span>Connect to LiveMath and run some calculations on the cost to the policyholder.</font= ><br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0010.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0010.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link 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n>Hospital confinement indemnity </span></div> <div id=3D"_x0000_s136195_79_112" class=3DB3 style=3D'position:absolute;to= p:52.49%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Government supplemental policies </span></div> <div id=3D"_x0000_s136195_112_132" class=3DB4 style=3D'position:absolute;t= op:57.25%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Medi= care wraparound </span></div> <div id=3D"_x0000_s136195_132_152" class=3DB4 style=3D'position:absolute;t= op:62.25%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Medi= care supplement </span></div> <div id=3D"_x0000_s136195_152_175" class=3DB3 style=3D'position:absolute;t= op:67.0%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Dread disease coverage </span></div> <div id=3D"_x0000_s136195_175_182" class=3DB4 style=3D'position:absolute;t= op:71.75%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Canc= er </span></div> <div id=3D"_x0000_s136195_182_196" class=3DB4 style=3D'position:absolute;t= op:76.5%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Heart disease </span></div> <div class=3DB3 style=3D'position:absolute;top:81.5%;left:25.09%;width:67.= 22%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.3= 7%; height:100.0%'><span style=3D'visibility:hidden'><span class=3DB3B style=3D'position:absolute;left:-4.04%'>–</span></span> </span><= /div> <div class=3DB1 style=3D'position:absolute;top:86.5%;left:15.16%;width:77.= 34%; height:5.25%'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.= 88%; height:100.0%'><span style=3D'visibility:hidden'><span class=3DB1B style=3D'position:absolute;left:-4.29%'>–</span></span><span style=3D'mso-special-format:lastCR;display:none'> </span></span></div> </div> <v:shapetype id=3D"_x0000_t202" coordsize=3D"21600,21600" o:spt=3D"202" pa= th=3D"m,l,21600r21600,l21600,xe"> <v:stroke joinstyle=3D"miter"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> </v:shapetype><v:shape id=3D"_x0000_s136196" type=3D"#_x0000_t202" style= =3D'position:absolute; left:498pt;top:270pt;width:204pt;height:223.5pt' filled=3D"f" fillcolor= =3D"#3cc [4]" stroked=3D"f" strokecolor=3D"#036 [1]"> <v:fill color2=3D"white [0]"/> <v:shadow color=3D"#669 [2]"/> <v:textbox style=3D'mso-fit-shape-to-text:t'/> <p:animation number=3D"7" delay=3D"0" type=3D"object" effect=3D"cut" direction=3D"noBlack"/></v:shape> <div id=3D"_x0000_s136196_AllText" v:shape=3D"_x0000_s136196" class=3DO style=3D'position:absolute;top:51.0%;left:70.22%;width:31.08%;height:40.0%; white-space:nowrap'> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'position:absolute;top:0%;left:0%;width:84.93%;height:10.= 0%'><span style=3D'font-size:75%'>The wraparound </span></span><span style=3D'positi= on:absolute; top:10.0%;left:0%;width:92.16%;height:10.0%'><span style=3D'font-size:75%'= >provides benefits that </span></span><span style=3D'position:absolute;top:20.0%; left:0%;width:94.57%;height:10.0%'><span style=3D'font-size:75%'>cover deductibles and </span></span><span style=3D'position:absolute;top:30.0%; left:0%;width:92.16%;height:10.0%'><span style=3D'font-size:75%'>coinsuran= ce and may </span></span><span style=3D'position:absolute;top:40.0%;left:0%;width= :84.93%; height:10.0%'><span style=3D'font-size:75%'>be designed to </span></span><= span style=3D'position:absolute;top:50.0%;left:0%;width:84.93%;height:10.0%'><s= pan style=3D'font-size:75%'>continue to pay </span></span><span style=3D'posit= ion: absolute;top:60.0%;left:0%;width:84.93%;height:10.0%'><span style=3D'font-= size: 75%'>benefits for hospital </span></span><span style=3D'position:absolute; top:70.0%;left:0%;width:84.93%;height:10.0%'><span style=3D'font-size:75%'= >and nursing home </span></span><span style=3D'position:absolute;top:80.0%; left:0%;width:84.93%;height:10.0%'><span style=3D'font-size:75%'>confineme= nts after </span></span><span style=3D'position:absolute;top:90.0%;left:0%; width:100.0%;height:10.0%'><span style=3D'font-size:75%'>Medicare is exhau= sted.</span></span></div> </div> <v:shape id=3D"_x0000_s136197" type=3D"#_x0000_t202" style=3D'position:abs= olute; left:450pt;top:324pt;width:246pt;height:158.625pt' filled=3D"f" fillcolor= =3D"#3cc [4]" stroked=3D"f" strokecolor=3D"#036 [1]"> <v:fill color2=3D"white [0]"/> <v:shadow color=3D"#669 [2]"/> <v:textbox style=3D'mso-fit-shape-to-text:t'/> <p:animation number=3D"10" delay=3D"0" type=3D"object" effect=3D"cut" direction=3D"noBlack"/></v:shape> <div id=3D"_x0000_s136197_AllText" v:shape=3D"_x0000_s136197" class=3DO style=3D'position:absolute;top:61.0%;left:63.48%;width:35.01%;height:28.0%; white-space:nowrap'> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'position:absolute;top:0%;left:0%;width:100.0%;height:14.= 28%'><span style=3D'font-size:75%'>The supplement is like the </span></span><span style=3D'position:absolute;top:14.28%;left:0%;width:92.51%;height:14.28%'>= <span style=3D'font-size:75%'>wraparound except it </span></span><span style=3D'position:absolute;top:28.57%;left:0%;width:98.39%;height:14.28%'>= <span style=3D'font-size:75%'>generally has significantly </span></span><span style=3D'position:absolute;top:42.85%;left:0%;width:92.51%;height:14.28%'>= <span style=3D'font-size:75%'>higher maximum benefit </span></span><span style=3D'position:absolute;top:57.14%;left:0%;width:93.04%;height:14.28%'>= <span style=3D'font-size:75%'>limits or is unlimited with </span></span><span style=3D'position:absolute;top:71.42%;left:0%;width:95.18%;height:14.28%'>= <span style=3D'font-size:75%'>respect to the duration of </span></span><span style=3D'position:absolute;top:85.71%;left:0%;width:92.51%;height:14.28%'>= <span style=3D'font-size:75%'>confinement.</span></span></div> </div> </p:slide></div> <p:animation number=3D"-1424260903"/><oa:par id=3D"TimeNode0" dur=3D"indefi= 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size=3D3>The su= pplement is like the wraparound except it generally has significantly higher maximum benefit limits or is unlimited with respect to the duration of confinemen= t.</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0012.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0012.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"140"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld 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style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Contr= act provisions </span></div> <div id=3D"_x0000_s143363_39_54" class=3DB3 style=3D'position:absolute;top= :46.75%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Renewal option </span></div> <div id=3D"_x0000_s143363_54_146" class=3DB4 style=3D'position:absolute;to= p:51.5%; left:30.14%;width:73.22%;height:8.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.32%;width:96.67%;height:50.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-3.43%;top:.49em'>l</span>This= is usually without further proof of insurability and </span><span style=3D'position:absolute;top:53.12%;left:3.32%;width:81.58%;height:50.0%= '>until a specified age such as 65. 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<div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>9</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s144386" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s144386" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 44387" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s144387"> <div id=3D"_x0000_s144387_0_15" class=3DHB style=3D'mso-line-spacing:"90 2= 0 0"; position:absolute;top:35.0%;left:10.11%;width:39.32%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:75%'>The </span><sp= an style=3D'font-size:75%'><u><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.iii.org/media/glossary/alfa.L/?search=3D1&term=3Do= ng-term"/><a href=3D"http://www.iii.org/media/glossary/alfa.L/?search=3D1&term=3Don= g-term" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>definition</a></u></span><span style=3D'font-size:75%;display:no= ne'><u> </u></span></span></div> <div id=3D"_x0000_s144387_15_25" class=3DHB style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:39.5%;left:10.11%;width:39.32%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:75%'>The need? = </span></span></div> <div id=3D"_x0000_s144387_25_51" class=3DHB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:43.75%;left:15.16%;width:34.83%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:9.13%;width:90.86%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.05%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Demise of extended family </span></span></div> <div id=3D"_x0000_s144387_51_71" class=3DHB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:47.75%;left:15.16%;width:34.45%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.17%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Demographic changes </span></span></div> <div id=3D"_x0000_s144387_71_100" class=3DHB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:51.75%;left:15.16%;width:36.7%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:8.67%;width:91.83%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-9.44%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:80%'>Changing wealth distribution </span></span></d= iv> <div id=3D"_x0000_s144387_100_119" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:55.5%;left:15.16%;width:34.45%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.17%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Increased mobility </span></span></div> <div id=3D"_x0000_s144387_119_138" class=3DHB style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:59.5%;left:10.11%;width:39.32%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:75%'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/life%20and%20health/Long-Term%20Planning.htm"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/life%20and%20health/Long-Term%20Planning.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>Summary</a></span><span style=3D'font-size:75%'><span style=3D'mso-spacerun:yes'> </span></span><span style=3D'font-size:75= %'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/life%20and%20health/Census%20report%20foresees%20no%20crisis%= 20over%20aging%20generation's%20health.htm"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/life%20and%20health/Census%20report%20foresees%20no%20crisis%2= 0over%20aging%20generation's%20health.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>statistics</a></span><span style=3D'font-size:75%;display:none'>= </span></span></div> <div id=3D"_x0000_s144387_138_154" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:64.0%;left:15.16%;width:34.45%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.17%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/life%20and%20health/Trying%20to%20Shed%20Light%20on%20the%20M= uddle%20of%20Long-Term%20Care.htm"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/life%20and%20health/Trying%20to%20Shed%20Light%20on%20the%20Mu= ddle%20of%20Long-Term%20Care.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>More statistics</a></span><span style=3D'font-size:80%;display:n= one'> </span></span></div> <div id=3D"_x0000_s144387_154_196" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:68.0%;left:15.16%;width:36.32%;height:6.75%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.76%;width:91.75%; height:51.85%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-9.55%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:80%'>$30,000 for one year stay in </span></span><span style=3D'position:absolute;top:44.44%;left:8.76%;width:86.08%;height:51.85= %'><span style=3D'font-size:80%'>nursing home </span></span></div> <div id=3D"_x0000_s144387_196_253" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:75.0%;left:15.16%;width:38.76%;height:6.75%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.21%;width:81.15%; height:51.85%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.11%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Average stay is one to two </span></span><span style=3D'position:absolute;top:48.14%;left:8.21%;width:91.78%;height:51.85= %'><span style=3D'font-size:80%'>years with 25% staying longer</span></span></div> </div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 44388" type=3D"#_x0000_m1032" href=3D"http://www.census.gov/ipc/www/idbpyr.html" target=3D"_parent" style=3D'position:absolute;left:372pt;top:186pt;width:= 297.5pt; height:293.75pt' o:spt=3D"75" o:bwpure=3D"blackTextAndLines" o:bwnormal= =3D"blackTextAndLines" o:preferrelative=3D"t" o:userdrawn=3D"f" path=3D"m@4@5l@4@11@9@11@9@5xe" = filled=3D"f" stroked=3D"f"> <v:fill o:detectmouseclick=3D"t"/> <v:stroke joinstyle=3D"miter" o:forcedash=3D"t"/> <v:imagedata src=3D"slide0013_image004.emz" o:title=3D""/> <v:formulas> <v:f eqn=3D"if lineDrawn pixelLineWidth 0"/> <v:f eqn=3D"sum @0 1 0"/> <v:f eqn=3D"sum 0 0 @1"/> <v:f eqn=3D"prod @2 1 2"/> <v:f eqn=3D"prod @3 21600 pixelWidth"/> <v:f eqn=3D"prod @3 21600 pixelHeight"/> <v:f 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onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>10</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s146434" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s146434" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 46435" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s146435"> <div id=3D"_x0000_s146435_0_54" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:94.75%;height:11.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.95%;width:96.04%; height:52.17%'><span style=3D'mso-special-format:bullet;position:absolute; left:-4.11%;top:.3em;font-family:Wingdings;font-size:75%'>l</span>Long-term care (LTC) includes the following </span><span style=3D'position:absolute; top:47.82%;left:3.95%;width:82.8%;height:52.17%'>elements: </span></di= v> <div id=3D"_x0000_s146435_54_104" class=3DB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:47.25%;left:15.16%;width:90.26%;height:5.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.52%;width:96.68%; height:100.0%'><span style=3D'mso-special-format:bullet;position:absolute; left:-3.64%;top:.3em;font-size:75%'>–</span>The need for medical, personal or social services </span></div> <div id=3D"_x0000_s146435_104_158" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:52.99%;left:15.16%;width:81.83%;height:10.0%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.1%; height:52.5%'><span style=3D'mso-special-format:bullet;position:absolute; left:-4.04%;top:.3em;font-size:75%'>–</span>The need results from an accident, illness or </span><span style=3D'position:absolute;top:47.5%; 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charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0015.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Long-term care insurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"144"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>11</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s147458" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s147458" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 47459" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s147459"> <div id=3D"_x0000_s147459_0_9" class=3DB style=3D'mso-line-spacing:"90 20 = 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Coverage <= /span></span></div> <div id=3D"_x0000_s147459_9_77" class=3DB1 style=3D'mso-line-spacing:"90 2= 0 0"; position:absolute;top:40.75%;left:15.16%;width:89.32%;height:8.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.56%;width:96.43%; height:52.94%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.69%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Underwriting depends on the application and a physician’s </span></span><span style=3D'position:absolute;top:47.05= %; left:3.56%;width:83.01%;height:52.94%'><span style=3D'font-size:83%'>state= ment </span></span></div> <div id=3D"_x0000_s147459_77_95" class=3DB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:49.5%;left:15.16%;width:77.34%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Nursing home care </span></span></div> <div id=3D"_x0000_s147459_95_116" class=3DB2 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:54.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Skilled (continuous) </span></span></div> <div id=3D"_x0000_s147459_116_145" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:58.74%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Intermediate (discontinuous) </span></span></div> <div id=3D"_x0000_s147459_145_177" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:63.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Custodial (assistance with ADL) </span></span></div> <div id=3D"_x0000_s147459_177_192" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:67.75%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Community care </span></span></div> <div id=3D"_x0000_s147459_192_239" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:72.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Home, adult da= y, respite, hospice, therapeutic </span></span></div> <div id=3D"_x0000_s147459_239_308" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:77.0%;left:20.22%;width:80.71%;height:7.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.01%;width:96.98%; height:53.33%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.11%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Assisted living facilities (ALFs) and continuing care centers </span></span><span style=3D'position:absolute;top:46.66%;left:3.01%;width:86.54%;height:53.33= %'><span style=3D'font-size:90%'>(CCCs)</span></span></div> </div> <v:shapetype id=3D"_x0000_t202" coordsize=3D"21600,21600" o:spt=3D"202" pa= th=3D"m,l,21600r21600,l21600,xe"> <v:stroke joinstyle=3D"miter"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> </v:shapetype><v:shape id=3D"_x0000_s147460" type=3D"#_x0000_t202" style= =3D'position:absolute; left:444pt;top:180pt;width:258pt;height:332.125pt' filled=3D"f" fillcolor= =3D"#3cc [4]" stroked=3D"f" strokecolor=3D"#036 [1]"> <v:fill color2=3D"white [0]"/> <v:shadow color=3D"#669 [2]"/> <v:textbox style=3D'mso-fit-shape-to-text:t'/> <p:animation number=3D"9" delay=3D"0" type=3D"object" effect=3D"cut" direction=3D"noBlack"/></v:shape> <div 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style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>1.</span></span><span style=3D'font-size:75%'>Eating </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:20.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>2.</span></span><span style=3D'font-size:75%'>Bathing </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:30.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>3.</span></span><span style=3D'font-size:75%'>Dressing </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:40.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>4.</span></span><span style=3D'font-size:75%'>Toileting </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:50.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>5.</span></span><span style=3D'font-size:75%'>Continence </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:60.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>6.</span></span><span style=3D'font-size:75%'>Transferring </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:70.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>7.</span></span><span style=3D'font-size:75%'>Taking medicine </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; 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targetElement=3D"_x0000_s147460" groupID=3D"1" build=3D"asAWhole" buildLev= el=3D"1" reverse=3D"false" buildAdvance=3D"onclick" userSetAnimBgd=3D"false"/> <![endif]> <![if !ppt]> <div id=3DNotesObj style=3D'display:none'> <table style=3D'color:white' border=3D0 width=3D"100%"> <tr> <td width=3D5 nowrap></td> <td width=3D"100%"></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>Activi= ties of daily living (ADL)</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>1.</fo= nt><font face=3DArial size=3D3>Eating</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>2.</fo= nt><font face=3DArial size=3D3>Bathing</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>3.</fo= nt><font face=3DArial size=3D3>Dressing</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>4.</fo= nt><font face=3DArial size=3D3>Toileting</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>5.</fo= nt><font face=3DArial size=3D3>Continence</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>6.</fo= nt><font face=3DArial size=3D3>Transferring</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>7.</fo= nt><font face=3DArial size=3D3>Taking medicine</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>The LT= C policies require that the insured not be able to perform 2 of 5 or 6 ADLs.</font><= br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0016.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <link rel=3DOLE-Object-Data href=3Doledata.mso>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0016.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Long-term care insurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"145"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>12</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s148482" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s148482" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 48483" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s148483"> <div id=3D"_x0000_s148483_0_9" class=3DHB style=3D'position:absolute;top:3= 5.5%; left:10.11%;width:39.32%;height:5.25%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%;height:100.0%'><= span class=3DHBB style=3D'position:absolute;left:-10.52%;top:.3em'>l</span>Bene= fits </span></div> <div id=3D"_x0000_s148483_9_29" class=3DHB1 style=3D'position:absolute;top= :41.5%; left:15.16%;width:34.45%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%;height:100.0%'><= span class=3DHB1B style=3D'position:absolute;left:-10.17%;top:.3em'>–</sp= an>Elimination period </span></div> <div id=3D"_x0000_s148483_29_71" class=3DHB2 style=3D'position:absolute;to= p:46.75%; left:20.22%;width:29.4%;height:12.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.28%;width:91.71%;height:33.33%'><= span class=3DHB2B style=3D'position:absolute;left:-9.02%;top:.3em'>l</span>0-36= 5 days before </span><span style=3D'position:absolute;top:33.33%;left:8.28%;width= :91.71%; height:33.33%'>benefits become </span><span style=3D'position:absolute; top:66.66%;left:8.28%;width:91.71%;height:33.33%'>payable </span></div> <div id=3D"_x0000_s148483_71_85" class=3DHB1 style=3D'position:absolute;to= p:59.75%; left:15.16%;width:34.45%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%;height:100.0%'><= span class=3DHB1B style=3D'position:absolute;left:-10.17%;top:.3em'>–</sp= an>Daily benefit </span></div> <div id=3D"_x0000_s148483_85_108" class=3DHB2 style=3D'position:absolute;t= op:65.0%; left:20.22%;width:32.2%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:7.55%;width:92.44%;height:100.0%'><= span class=3DHB2B style=3D'position:absolute;left:-8.17%;top:.3em'>l</span>$40-= $250 daily benefit </span></div> <div id=3D"_x0000_s148483_108_124" class=3DHB1 style=3D'position:absolute; top:69.75%;left:15.16%;width:34.45%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%;height:100.0%'><= span class=3DHB1B style=3D'position:absolute;left:-10.17%;top:.3em'>–</sp= an>Benefit periods </span></div> <div id=3D"_x0000_s148483_124_145" class=3DHB2 style=3D'position:absolute; top:75.0%;left:20.22%;width:29.4%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.28%;width:91.71%;height:100.0%'><= span class=3DHB2B style=3D'position:absolute;left:-9.02%;top:.3em'>l</span>2-5 = years is typical </span></div> <div class=3DHB2 style=3D'position:absolute;top:80.0%;left:20.22%;width:29= .4%; height:4.0%'><span style=3D'position:absolute;top:0%;left:8.28%;width:91.7= 1%; height:100.0%'><span style=3D'visibility:hidden'><span class=3DHB2B style=3D'position:absolute;left:-9.02%'>l</span></span> </span></div> <div id=3D"_x0000_s148483_146_182" class=3DHB2 style=3D'position:absolute; 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href=3D"http://www.longtermcarewiz.com/LTCWiz/basics.htm" target=3D"_paren= t" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Contract</a></span><span style=3D'font-size:71%;display:none'> </span></span></div> <div id=3D"_x0000_s151555_9_17" class=3DB1 style=3D'mso-line-spacing:"80 2= 0 0"; position:absolute;top:39.0%;left:15.16%;width:77.34%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Premium </span></span></div> <div id=3D"_x0000_s151555_17_41" class=3DB2 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:43.0%;left:20.22%;width:72.28%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Issue ages, e.= g., 50-84 </span></span></div> <div id=3D"_x0000_s151555_41_77" class=3DB2 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:46.5%;left:20.22%;width:72.28%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Lapse rates (h= igher is better here) </span></span></div> <div id=3D"_x0000_s151555_77_90" class=3DB1 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:50.25%;left:15.16%;width:77.34%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Renewability </span></span></div> <div id=3D"_x0000_s151555_90_101" class=3DB2 style=3D'mso-line-spacing:"80= 20 0"; position:absolute;top:54.25%;left:20.22%;width:72.28%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Guaranteed = ;</span></span></div> <div id=3D"_x0000_s151555_101_132" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:57.75%;left:20.22%;width:72.28%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Rates revised = on a class basis </span></span></div> <div id=3D"_x0000_s151555_132_147" class=3DB1 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:61.25%;left:15.16%;width:77.34%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Non-forfeiture </span></span></div> <div id=3D"_x0000_s151555_147_310" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:65.25%;left:20.22%;width:83.14%;height:9.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:2.92%;width:94.14%; height:37.83%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.11%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>This is the op= tion to cease premium payments and take a reduced </span></span><span style=3D'position:absolute;top:32.43%;left:2.92%;width:96.84%;height:37.83= %'><span style=3D'font-size:80%'>paid up policy that provides benefits for a shorter period or receive a </span></span><span style=3D'position:absolute;top:62.= 16%; left:2.92%;width:84.0%;height:37.83%'><span style=3D'font-size:80%'>partial refund of premiums </span></span></div> <div id=3D"_x0000_s151555_310_322" class=3DB1 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:74.5%;left:15.16%;width:77.34%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Limitations </span></span></div> <div id=3D"_x0000_s151555_322_382" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:78.5%;left:20.22%;width:72.28%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>War, self-infl= icted injury, chemical and alcohol dependency </span></span></div> <div id=3D"_x0000_s151555_382_423" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:82.25%;left:20.22%;width:72.28%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; 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11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0018.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Long-term care insurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"149"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>14</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s152578" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s152578" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 52579" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s152579"> <div id=3D"_x0000_s152579_0_19" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Contract continued </span></span></div> <div id=3D"_x0000_s152579_19_34" class=3DB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:40.75%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Non-forfeiture </span></span></div> <div id=3D"_x0000_s152579_34_197" class=3DB2 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:45.5%;left:20.22%;width:79.02%;height:11.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.08%;width:96.44%; height:35.55%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.19%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>This is the op= tion to cease premium payments and take a </span></span><span style=3D'position= :absolute; top:31.11%;left:3.08%;width:96.91%;height:35.55%'><span style=3D'font-size= :90%'>reduced paid up policy that provides benefits for a shorter </span></span><span style=3D'position:absolute;top:64.44%;left:3.08%;width:88.38%;height:35.55= %'><span style=3D'font-size:90%'>period or receive a partial refund of premiums = ;</span></span></div> <div id=3D"_x0000_s152579_197_209" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:57.25%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Limitations </span></span></div> <div id=3D"_x0000_s152579_209_269" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:62.0%;left:20.22%;width:80.52%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.02%;width:96.97%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.11%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>War, self-infl= icted injury, chemical and alcohol dependency </span></span></div> <div id=3D"_x0000_s152579_269_310" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:66.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>There are pre-existing condition clauses </span></span></div> <div id=3D"_x0000_s152579_310_321" class=3DB style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:71.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Regulation = ;</span></span></div> <div id=3D"_x0000_s152579_321_395" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:76.75%;left:15.16%;width:81.64%;height:8.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.1%; height:52.94%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.05%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>The </span><span style=3D'font-size:83%'><u><p:onm= ouseclick hyperlinktype=3D"url" href=3D"http://www.naic.org/index.htm"/><a href=3D"http://www.naic.org/index.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= NAIC</a></u></span><span style=3D'font-size:83%'><span style=3D'mso-spacerun:yes'> </span>wrot= e the model legislation, i.e., </span><span style=3D'font-size:83%'><u><p:onmous= eclick hyperlinktype=3D"url" href=3D"http://www.naic.org/models_papers/models/mo= dels.htm"/><a href=3D"http://www.naic.org/models_papers/models/models.htm" target=3D"_pa= rent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Long-term </a></u></span></span><span style=3D'position:absolute;top:47.05%;left:3.89%;width:90.82%;height:52.94= %'><span style=3D'font-size:83%'><u><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.naic.org/models_papers/models/models.htm"/><a href=3D"http://www.naic.org/models_papers/models/models.htm" target=3D"_pa= rent" onclick=3D"window.event.cancelBubble=3Dtrue;">insurance model act</a></u><= /span><span style=3D'font-size:83%;mso-special-format:lastCR;display:none'><u> </u= ></span></span></div> </div> </p:slide></div> <p:animation 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keyTimes=3D"0.0;1.0" values=3D"#ppt_x;#ppt_x"/> <oa:animate id=3D"TimeNode41" dur=3D"0.5" fill=3D"hold" targetElement=3D"_x0000_s152579_321_395" additive=3D"base" attributeName=3D"ppt_y" calcmode=3D"linear" valueType=3D"number" keyTimes=3D"0.0;1.0" values=3D"1+#ppt_h/2;#ppt_y"/> </oa:par> </oa:par> </oa:par> </oa:seq> </oa:par> <![if ppt]> <oa:buildParagraph targetElement=3D"_x0000_s152579" groupID=3D"0" build=3D"byParagraph" buildLevel=3D"1" reverse=3D"false" buildAdvance=3D"o= nclick" userSetAnimBgd=3D"false"/> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0019.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0019.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Disability"> <link rel=3DStylesheet href=3D"master08_stylesheet.css"> <![if !ppt]> <style media=3Dprint>  </style> <script src=3Dscript.js></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"152"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>15</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s155650" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape><p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s155651" type= =3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;width:605.75pt;height:293.= 25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s155650" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Disability</div> <div v:shape=3D"_x0000_s155651"> <div class=3DB style=3D'position:absolute;top:35.5%;left:10.11%;width:82.2= %; height:5.25%'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.= 44%; height:100.0%'><span style=3D'font-size:86%'><span class=3DBB style=3D'pos= ition: absolute;left:-4.77%;top:.3em'>l</span></span><span style=3D'font-size:86%= '>Definition </span></span></div> <div class=3DB1><span style=3D'position:absolute;top:41.5%;left:18.35%;wid= th:85.58%; height:4.5%'><span style=3D'font-size:83%'><span class=3DB1B style=3D'posi= tion:absolute; left:-3.71%;top:.3em'>–</span></span><span style=3D'font-size:83%'>A person is disabled if she cannot fully or partially perform </span></span>= <span style=3D'position:absolute;top:46.0%;left:18.35%;width:74.15%;height:4.5%'= ><span style=3D'font-size:83%'>certain occupational tasks </span></span></div> <div class=3DB1 style=3D'position:absolute;top:51.25%;left:15.16%;width:77= .34%; height:4.5%'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.8= 8%; height:100.0%'><span style=3D'font-size:83%'><span class=3DB1B style=3D'po= sition: absolute;left:-4.29%;top:.3em'>–</span></span><span style=3D'font-si= ze: 83%'>Disability is defined in two different ways. </span></span></div> <div class=3DB2 style=3D'position:absolute;top:56.5%;left:20.22%;width:72.= 28%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.6= 3%; height:100.0%'><span style=3D'font-size:90%'><span class=3DB2B style=3D'po= sition: absolute;left:-3.48%;top:.3em'>l</span></span><span style=3D'font-size:90%= '>Own occupation </span></span></div> <div class=3DB2 style=3D'position:absolute;top:61.5%;left:20.22%;width:72.= 28%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.6= 3%; height:100.0%'><span style=3D'font-size:90%'><span class=3DB2B style=3D'po= sition: absolute;left:-3.48%;top:.3em'>l</span></span><span style=3D'font-size:90%= '>Any gainful occupation </span></span></div> <div class=3DB2><span style=3D'position:absolute;top:66.25%;left:22.65%; width:76.21%;height:4.0%'><span style=3D'font-size:90%'><span class=3DB2B style=3D'position:absolute;left:-3.19%;top:.3em'>l</span></span><span style=3D'font-size:90%'>Both notions may be used for different time period= s in the </span></span><span style=3D'position:absolute;top:70.25%;left:22.65%; width:69.85%;height:4.0%'><span style=3D'font-size:90%'>same contract = </span></span></div> <div class=3DB><span style=3D'position:absolute;top:75.25%;left:13.85%;wid= th:80.71%; height:5.25%'><span style=3D'font-size:86%'><span class=3DBB style=3D'posi= tion:absolute; left:-4.64%;top:.3em'>l</span></span><span style=3D'font-size:86%'>Only on= e in four workers has private disability </span></span><span style=3D'position:= absolute; top:80.75%;left:13.85%;width:78.46%;height:5.25%'><span style=3D'font-size= :86%'>insurance in the United States</span></span></div> </div> </p:slide></div> <![if !ppt]> <div id=3DNotesObj style=3D'display:none'> <table style=3D'color:white' border=3D0 width=3D"100%"> <tr> <td width=3D5 nowrap></td> <td width=3D"100%"></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>The ow= n occupation that in which the insured is engaged at the time the disability occurs.</= font><br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0021.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <link rel=3DOLE-Object-Data href=3Doledata.mso>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0021.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Probability comparisons"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"155"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>16</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s158724" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s158724" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Probability comparisons</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 58725" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s158725" class=3DHB> <div id=3D"_x0000_s158725_0_126" style=3D'mso-line-spacing:"90 20 0";posit= ion: absolute;top:35.0%;left:10.11%;width:46.25%;height:29.25%;white-space:nowr= ap'><span style=3D'position:absolute;top:0%;left:8.09%;width:78.13%;height:17.94%'><= span style=3D'mso-special-format:bullet;position:absolute;left:-10.36%;top:.3em; font-family:Wingdings;font-size:75%'>l</span>The chart shows the </span><s= pan style=3D'position:absolute;top:16.23%;left:8.09%;width:91.9%;height:17.94%= '>probabilities of disability </span><span style=3D'position:absolute;top:32.47%;left:8.09= %; width:79.75%;height:17.94%'>for 90 days or longer </span><span style=3D'position:absolute;top:48.71%;left:8.09%;width:80.97%;height:17.94= %'>and the probability of </span><span style=3D'position:absolute;top:64.95%; left:8.09%;width:76.92%;height:17.94%'>death all prior to the </span><span style=3D'position:absolute;top:82.05%;left:8.09%;width:76.92%;height:17.94= %'>age of 65 </span></div> <div id=3D"_x0000_s158725_126_200" style=3D'mso-line-spacing:"90 20 0";pos= ition: absolute;top:64.75%;left:10.11%;width:46.06%;height:19.5%;white-space:nowr= ap'><span style=3D'position:absolute;top:0%;left:8.13%;width:77.23%;height:26.92%'><= span style=3D'mso-special-format:bullet;position:absolute;left:-10.52%;top:.3em; font-family:Wingdings;font-size:75%'>l</span>These probabilities </span><s= pan style=3D'position:absolute;top:24.35%;left:8.13%;width:91.86%;height:26.92= %'>suggest some optimism </span><span style=3D'position:absolute;top:48.71%;left:8.13= %; width:77.23%;height:26.92%'>about disability </span><span style=3D'positio= n: absolute;top:74.35%;left:8.13%;width:77.23%;height:26.92%'>probabilities.<= /span></div> </div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 58726" type=3D"#_x0000_m1032" style=3D'position:absolute;left:372pt;top:186pt;wi= dth:296.875pt; height:293.125pt' o:spt=3D"75" o:bwpure=3D"highContrast" o:bwnormal=3D"bl= 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left:10.11%;width:85.95%;height:7.75%'>More probability comparisons</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 60772" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div id=3D"_x0000_s160772_0_89" v:shape=3D"_x0000_s160772" class=3DHB style=3D'position:absolute;top:35.5%;left:10.11%;width:46.06%;height:26.5%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.13%; width:77.23%;height:19.81%'><span class=3DHBB style=3D'position:absolute; left:-10.52%;top:.3em'>l</span>The chart shows </span><span style=3D'posit= ion: absolute;top:19.81%;left:8.13%;width:77.23%;height:19.81%'>average duratio= n of </span><span style=3D'position:absolute;top:39.62%;left:8.13%;width:91.86%; height:19.81%'>those disabilities lasting </span><span style=3D'position:a= bsolute; top:59.43%;left:8.13%;width:84.14%;height:19.81%'>more than 90 days by </s= pan><span style=3D'position:absolute;top:80.18%;left:8.13%;width:77.23%;height:19.81= %'>age.</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 60773" type=3D"#_x0000_m1032" style=3D'position:absolute;left:374.875pt;top:186p= t; width:296.875pt;height:293.125pt' o:spt=3D"75" o:bwpure=3D"highContrast" o:bwnormal=3D"blackTextAndLines" o:preferrelative=3D"t" o:userdrawn=3D"f"= path=3D"m@4@5l@4@11@9@11@9@5xe" filled=3D"f" stroked=3D"f"> <v:fill o:detectmouseclick=3D"t"/> <v:stroke joinstyle=3D"miter" o:forcedash=3D"t"/> <v:imagedata src=3D"slide0022_image010.emz" o:title=3D""/> <v:formulas> <v:f eqn=3D"if lineDrawn pixelLineWidth 0"/> <v:f eqn=3D"sum @0 1 0"/> <v:f eqn=3D"sum 0 0 @1"/> <v:f eqn=3D"prod @2 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href=3D"file:///C:\B15244C5\healthinsurance_files\slide0020.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Disability benefit provision= s"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"153"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>18</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s156674" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s156674" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Disability benefit provisions</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 56675" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s156675"> <div id=3D"_x0000_s156675_0_23" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:4.5%;white-spac= e: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'>The elimination period </span></span></div> <div id=3D"_x0000_s156675_23_105" class=3DB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:39.75%;left:15.16%;width:84.83%;height:3.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.75%;width:96.24%; height:100.0%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.89%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>The time period before the first benefit payment, = e.g. 30, 60 , 90, 180, 365 days </span></span></div> <div id=3D"_x0000_s156675_105_130" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:43.0%;left:15.16%;width:77.34%;height:3.25%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>The is like a deductible </span></span></div> <div id=3D"_x0000_s156675_130_149" class=3DB style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:46.75%;left:10.11%;width:82.2%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'>The benefit period </span></span></div> <div id=3D"_x0000_s156675_149_249" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:51.5%;left:15.16%;width:91.76%;height:6.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.46%;width:96.53%; height:54.16%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.59%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>The time period for which benefits will be paid, e= .g., two years, five years, to age 65 or </span></span><span style=3D'position:= absolute; top:45.83%;left:3.46%;width:80.81%;height:54.16%'><span style=3D'font-size= :58%'>for life </span></span></div> <div id=3D"_x0000_s156675_249_385" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:57.5%;left:15.16%;width:88.2%;height:6.0%;white-spac= e: nowrap'><span style=3D'position:absolute;top:0%;left:3.6%;width:96.6%; height:54.16%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.73%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>98% of disabled recover in less than a year.<span style=3D'mso-spacerun:yes'> </span>If disability last more than a ye= ar then </span></span><span style=3D'position:absolute;top:50.0%;left:3.6%; width:84.07%;height:54.16%'><span style=3D'font-size:58%'>the probability = of recovery diminishes markedly. </span></span></div> <div id=3D"_x0000_s156675_385_407" class=3DB style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:64.0%;left:10.11%;width:82.2%;height:4.5%;white-spac= e: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'>The monthly indemnity </span></span></div> <div id=3D"_x0000_s156675_407_463" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:69.0%;left:15.16%;width:79.02%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.02%;width:95.97%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.19%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>The payment is almost always a fixed monthly indemnity. </span></span></div> <div id=3D"_x0000_s156675_463_661" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:73.25%;left:15.16%;width:90.63%;height:14.75%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.51%; width:89.87%;height:27.11%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:bullet;position:absolute;left:-3.9%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:75%'>The paym= ents are limited to no more than 85% of the insured </span></span><span style=3D'position:absolute;top:25.42%;left:3.51%;width:96.48%;height:27.11= %'><span style=3D'font-size:75%'>earned income; this is for low income individuals = and is graduated </span></span><span style=3D'position:absolute;top:49.15%;left:3= .51%; width:94.0%;height:27.11%'><span style=3D'font-size:75%'>to 65% for higher income insureds.<span style=3D'mso-spacerun:yes'> </span>How does th= is handle moral </span></span><span style=3D'position:absolute;top:74.57%; left:3.51%;width:81.81%;height:27.11%'><span style=3D'font-size:75%'>hazar= d?</span></span></div> </div> </p:slide></div> <p:animation number=3D"314860587"/><oa:par id=3D"TimeNode0" dur=3D"indefini= te" restart=3D"never" p:nodeType=3D"timingRoot"> <oa:seq id=3D"TimeNode1" dur=3D"indefinite" 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Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0004.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Questions"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style 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id=3D"_x0000_s72707_0_189" style=3D'position:absolute;top:35.5%;left:= 10.11%; width:92.5%;height:21.25%;white-space:nowrap'><span style=3D'position:abso= lute; top:0%;left:4.04%;width:95.95%;height:24.7%'><span style=3D'font-size:86%'= ><span class=3DBB style=3D'position:absolute;left:-4.21%;top:.3em'>l</span></span= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Compare and contrast individual and group health </a></span></span><span style=3D'position:absolute;top:24.7%;left:4.04%;width:91.9%;height:24.7%'>= <span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">insurance coverage with resp= ect to underwriting </a></span></span><span style=3D'position:absolute;top:49.41%; left:4.04%;width:84.81%;height:24.7%'><span style=3D'font-size:86%'><p:onm= ouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">practices, the impact of adv= erse selection, </a></span></span><span style=3D'position:absolute;top:74.11%; left:4.04%;width:88.46%;height:24.7%'><span style=3D'font-size:86%'><p:onm= ouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">administrative costs and the benefits available</a></span><span style=3D'font-size:86%;display:none'>&#= 13;</span></span></div> <div id=3D"_x0000_s72707_189_275" style=3D'position:absolute;top:57.75%; left:10.11%;width:82.58%;height:10.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.53%;width:95.46%;height:50.0%'><s= pan style=3D'font-size:86%'><span class=3DBB style=3D'position:absolute;left:-= 4.75%; top:.3em'>l</span></span><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"266,6,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0011.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= How is health insurance a more complicated </a></span></span><span style=3D'posit= ion: absolute;top:50.0%;left:4.53%;width:95.01%;height:50.0%'><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"266,6,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0011.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">contractual agreement than l= ife insurance?</a></span><span style=3D'font-size:86%;display:none'> </spa= n></span></div> <div id=3D"_x0000_s72707_275_396" style=3D'position:absolute;top:69.5%;lef= t:10.11%; width:94.94%;height:15.75%;white-space:nowrap'><span style=3D'position:abs= olute; top:0%;left:3.94%;width:96.05%;height:33.33%'><span style=3D'font-size:86%= '><span class=3DBB style=3D'position:absolute;left:-4.1%;top:.3em'>l</span></span>= <span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"268,9,Long-term care insurance"/><a href=3D"javascript:parent.GoToSld('slide0013.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= How have changing demographics, social customs, </a></span></span><span style=3D'position:absolute;top:33.33%;left:3.94%;width:90.13%;height:33.33= %'><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"268,9,Long-term care insurance"/><a href=3D"javascript:parent.GoToSld('slide0013.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">and medical 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id=3D"11" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"136"/> </o:shapelayout><v:shape id=3D"_x0000_s139266" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1392= 67" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s139267" class=3DN> <div> </div> Go to eHealthInsurance.com and note the care provisions of the various pro= viders.<span style=3D'mso-spacerun:yes'> </span>Get quotes for three policies and= run a comparison.<span style=3D'mso-spacerun:yes'> </span>Note the deducti= ble, coinsurance, out-of-pocket cap if any, and any other maximums.<span style=3D'mso-spacerun:yes'> </span>Connect to LiveMath and run some calculations on the cost to the policyholder.</div> </p:notes><p:notes id=3D"10" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"150"/> </o:shapelayout><v:shape id=3D"_x0000_s153602" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1536= 03" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s153603" class=3DN> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'layout-flow:horizontal'>The wraparound provides benefits= that cover deductibles and coinsurance and </span><span style=3D'layout-flow:ho= rizontal'>may be designed to continue to pay benefits for hospital and nursing home </sp= an><span style=3D'layout-flow:horizontal'>confinements after Medicare is exhausted.= </span></div> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'layout-flow:horizontal'> </span></div> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'layout-flow:horizontal'>The supplement is like the wrapa= round except it generally has significantly </span><span style=3D'layout-flow:ho= rizontal'>higher maximum benefit limits or is unlimited with respect to the duration of </s= pan><span style=3D'layout-flow:horizontal'>confinement. </span></div> <div><span style=3D'mso-special-format:lastCR'> </span></div> </div> </p:notes><p:notes id=3D"15" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"151"/> </o:shapelayout><v:shape id=3D"_x0000_s154626" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1546= 27" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s154627"> <div class=3DN1 style=3D'mso-margin-left-alt:432'></div> <div class=3DN2 style=3D'mso-margin-left-alt:720'></div> <div class=3DN3 style=3D'mso-margin-left-alt:1008'></div> <div class=3DN4 style=3D'mso-margin-left-alt:1296'></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'>Activities of daily living (ADL) </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >1.</span></span><span style=3D'layout-flow:horizontal'>Eating </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >2.</span></span><span style=3D'layout-flow:horizontal'>Bathing </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >3.</span></span><span style=3D'layout-flow:horizontal'>Dressing </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >4.</span></span><span style=3D'layout-flow:horizontal'>Toileting </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >5.</span></span><span style=3D'layout-flow:horizontal'>Continence </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >6.</span></span><span style=3D'layout-flow:horizontal'>Transferring </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >7.</span></span><span style=3D'layout-flow:horizontal'>Taking medicine </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'>The LTC policies require that the insured not be able to perform 2 of 5 or 6 <= /span><span style=3D'layout-flow:horizontal'>ADLs.</span></div> </div> </p:notes><p:notes id=3D"19" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"154"/> </o:shapelayout><v:shape id=3D"_x0000_s157698" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1576= 99" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s157699" class=3DN>The own occupation that in which= the insured is engaged at the time the disability occurs.</div> </p:notes><p:notes id=3D"21" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"159"/> </o:shapelayout><v:shape id=3D"_x0000_s162818" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1628= 19" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s162819" class=3DN>The source of the chart is the 1= 980 CSO mortality table and the 1985 Commissioners Disability Table</div> </p:notes><p:notes id=3D"22" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"160"/> </o:shapelayout><v:shape id=3D"_x0000_s163842" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1638= 43" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s163843" class=3DN>The source of the chart is the 1= 985 Commissioners Disability Table.</div> </p:notes><p:notes id=3D"4" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> 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application/javascript; charset="us-ascii" function LoadSld() { var sld=3DGetObj("SlideObj") if( !g_supportsPPTHTML ) { =09 sld.style.visibility=3D"visible" return } if( MakeNotesVis() ) return runAnimations =3D _InitAnimations(); =09 if( IsWin("PPTSld") ) parent.SldUpdated(GetSldId()) g_origSz=3DparseInt(SlideObj.style.fontSize) g_origH=3Dsld.style.posHeight g_origW=3Dsld.style.posWidth g_scaleHyperlinks=3D(document.all.tags("AREA").length>0) if( g_scaleHyperlinks ) InitHLinkArray() if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) ) document.body.scroll=3D"no" _RSW() if( IsWin("PPTSld") && parent.IsFullScrMode() ) FullScrInit(); =09 MakeSldVis(); ChkAutoAdv() if( runAnimations ) { if( document.all("NSPlay") ) document.all("NSPlay").autoStart =3D false; if( sld.filters && sld.filters.revealtrans ) setTimeout( "document.body.start()", sld.filters.revealtrans.duration * = 1000 ); else document.body.start(); } } function MakeSldVis()=20 { var fTrans=3Dg_showAnimation && 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function GetSldId()=20 { var regExp =3D /file:\/\/\//i var pos =3D location.href.search(regExp) if (MHTMLPrefix !=3D "" && pos !=3D -1) sId =3D location.href.substring(pos) else { sId =3D RemoveFilePrefixFromHref(location.href); var regExp =3D /\// var fixedHref =3D sId var pos =3D -1 =09 pos =3D fixedHref.search(regExp) while (pos !=3D -1) { fixedHref =3D fixedHref.replace(regExp, "\\") pos =3D fixedHref.search(regExp) } =09 if (g_fBaseHyperlink =3D=3D true) sId =3D "file:///" + fixedHref; else sId =3D fixedHref.substring(fixedHref.lastIndexOf('\\') + 1) } =09 return sId } function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx= tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl= e.display=3D'none'; return true } return false } function IsWin( name ) { return window.name =3D=3D name } function IsNts() { return IsWin("PPTNts") } function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) } function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"= && navigator.appVersion.indexOf("Windows")>0 ) } function SupportsPPTHTML() { var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0 if( msie >=3D 0 ) ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) ) else ver=3DparseInt(appVer) return( ver >=3D 4 && msie >=3D 0 ) } function _RSW() { if( !g_supportsPPTHTML || IsNts() || ( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) ) return var padding=3D0; if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6 cltWidth=3Ddocument.body.clientWidth-padding cltHeight=3Ddocument.body.clientHeight-padding factor=3D(1.0*cltWidth)/g_origW if( cltHeight < g_origH*factor ) factor=3D(1.0*cltHeight)/g_origH newSize =3D g_origSz * factor if( newSize < 1 ) newSize=3D1 s=3DSlideObj.style s.fontSize=3DnewSize+"px" s.posWidth=3Dg_origW*factor s.posHeight=3Dg_origH*factor s.posLeft=3D(cltWidth-s.posWidth+padding)/2 s.posTop=3D(cltHeight-s.posHeight+padding)/2 if( g_scaleHyperlinks ) ScaleHyperlinks( factor ) } function _InitAnimations() { animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined'; isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode(); g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc= reen && parent.IsSldVisited()); if( g_animUseRuntime ) { collSeq =3D document.all.tags("seq"); if( collSeq !=3D null ) { for(ii=3D0;ii<collSeq.length;ii++) { if( collSeq[ii].getAttribute( "p:nodeType" ) =3D=3D "mainSeq" ) { g_animMainSequence =3D collSeq[ii]; break; } } } =09 if( g_animItemsToHide && document.body.playAnimations !=3D false ) { for(jj =3D 0; jj < g_animItemsToHide.length; jj++) { if( hideObj =3D GetObj(g_animItemsToHide[jj]) ) hideObj.runtimeStyle.visibility=3D"hidden"; } } if( g_animInteractiveItems ){ for(jj =3D 0; jj < g_animInteractiveItems.length; jj++) { if( triggerObj =3D GetObj(g_animInteractiveItems[jj]) ) triggerObj.runtimeStyle.cursor=3D"hand"; } } =09 if( gUseSldTimings && ''+g_animSlideTime !=3D 'undefined' ) { adjustedTime =3D document.body.calculateAutoAdvanceTimes( g_animSlideTim= e, g_animEffectTimings ); if( IsWin("PPTSld") && adjustedTime !=3D g_animSlideTime ) { var sld =3D GetCurSld(); sld.mAdvDelay =3D adjustedTime * 1000; } } } return g_animUseRuntime; } gSldJump =3D 0, gSldJumpTrack =3D 0, gSldJumpIdx =3D ""; function _KPH() {=20 if( IsNts() ) return; if( !parent.IsFramesMode() && event.keyCode =3D=3D 27 && !HideMenu() ) parent.window.close( self ); else if( event.keyCode =3D=3D 32 ) { if( window.name =3D=3D "PPTSld" ) parent.PPTSld.DocumentOnClick(); else parent.GoToNextSld(); } CatchNumKeys( parent, event ); } function CatchNumKeys( win, event ) { if( win.IsFullScrMode() && (48<=3Devent.keyCode) && (event.keyCode<=3D57) = ) { gSldJump =3D 1; gSldJumpIdx +=3D (event.keyCode-48).toString(); } if( win.IsFullScrMode() && gSldJump && event.keyCode =3D=3D 13 ) { var numSlds =3D parent.GetSldList().mList.length if ( gSldJumpIdx > numSlds ) gSldJumpIdx =3D numSlds; if ( gSldJumpIdx >=3D 0 ) { if ( gSldJumpIdx =3D=3D 0 ) gSldJumpIdx =3D 1; var jumpTo =3D parseInt(gSldJumpIdx); gSldJump =3D 0; gSldJumpIdx =3D ""; win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref ) } } } function _KDH() { if( event.keyCode =3D=3D 8 ) { event.returnValue =3D 0; parent.GoToPrevSld(); } } var g_HLinkArray =3D new Array(); =20 function IMapAreaObj( areaObj, coords ) { this.areaObj =3D areaObj; this.coords =3D coords; } function InitHLinkArray() { var appVer =3D navigator.appVersion; var msie =3D appVer.indexOf ( "MSIE " ) var ver =3D 0; if ( msie >=3D 0 ) ver =3D parseInt ( appVer.substring( msie+5 ) ); linkNum =3D 0; for (i=3D0; i<document.all.tags("AREA").length; i++) { areaObj =3D document.all.tags("AREA").item(i); if( ( areaObj.id !=3D "pptxscale" ) || ( ver > 4 ) ) g_HLinkArray[linkNum++] =3D new IMapAreaObj( areaObj, ParseCoords( ar= eaObj.coords ) ); } } function ScaleHyperlinks( factor ) { =20 for ( ii=3D0; ii< g_HLinkArray.length; ii++) { coordsStr=3D""; imaObj =3D g_HLinkArray[ii]; for ( jj=3D0; jj < imaObj.coords.length-1; jj++ ) coordsStr +=3D (imaObj.coords[jj]*factor) + ","; coordsStr +=3D (imaObj.coords[jj]*factor); imaObj.areaObj.coords =3D coordsStr; } } function ParseCoords( coordsStr ) { var numArray =3D new Array(); var i =3D curPos =3D commaPos =3D 0; while ( ( commaPos =3D coordsStr.indexOf(",", curPos) ) !=3D -1 ) {=20 numArray[i++] =3D parseInt( coordsStr.substr( curPos, commaPos ) ); curPos =3D commaPos + 1; } numArray[i] =3D parseInt( coordsStr.substr( curPos ) ); return numArray; } function DocumentOnClick() { if( IsNts() || parent.HideMenu() ) return; if( ( g_allowAdvOnClick && (window.name=3D=3D"PPTSld") && !parent.IsFrames= Mode() ) || (event && event.keyCode=3D=3D32) ) { =09 if( g_animUseRuntime && g_animMainSequence && g_animMainSequence.cangonex= t ) return; parent.GoToNextSld(); } } var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""= , g_bgSound=3D"", g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser = =3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1; var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w= indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va= r g_animManager =3D null; var g_animUseRuntime =3D false; var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime; var g_animMainSequence =3D null; var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram= es", gIsEndShow=3D0, NUM_VIS_SLDS=3D19, SCRIPT_HREF=3D"script.js", FULLSCR_= HREF=3D"fullscreen.htm"; var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO= tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true window.gPPTHTML=3DSupportsPPTHTML() var g_fBaseHyperlink =3D false; var gMainDoc=3Dnew Array(new hrefList("slide0001.htm",1,-1,1),new hrefList(= "slide0002.htm",1,-1,1),new hrefList("slide0005.htm",1,-1,1),new hrefList("= slide0006.htm",1,-1,1),new hrefList("slide0008.htm",1,-1,1),new hrefList("s= lide0011.htm",1,-1,1),new hrefList("slide0010.htm",1,-1,1),new hrefList("sl= ide0012.htm",1,-1,1),new hrefList("slide0013.htm",1,-1,1),new hrefList("sli= de0014.htm",1,-1,1),new hrefList("slide0015.htm",1,-1,1),new hrefList("slid= e0016.htm",1,-1,1),new hrefList("slide0017.htm",1,-1,1),new hrefList("slide= 0018.htm",1,-1,1),new hrefList("slide0019.htm",1,-1,1),new hrefList("slide0= 021.htm",1,-1,1),new hrefList("slide0022.htm",1,-1,1),new hrefList("slide00= 20.htm",1,-1,1),new hrefList("slide0004.htm",1,-1,1)); /********************************************* Frameset functions These functions control slide navigation and state of the frameset. **********************************************/ function RemoveFilePrefixFromHref(href) { var regExp =3D /^file:\/\/\//i; return href.replace(regExp, "") } function FullScrInit() { g_allowAdvOnClick =3D GetCurSld().mAdvOnClk document.body.style.backgroundColor=3D"black" document.oncontextmenu=3Dparent._CM; document.onkeydown =3D _KDH; document.ondragstart=3DCancel document.onselectstart=3DCancel self.focus() } function Redirect( frmId ) {=09 var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId() if(idx>=3D0) str=3Dstr.substr(1); if( window.name !=3D frmId && ( sId !=3D str) ) { obj =3D GetObj("Main-File") window.location.href=3Dobj.href+"#"+sId return 1 } return 0 } var MHTMLPrefix =3D CalculateMHTMLPrefix();=20 function CalculateMHTMLPrefix() { if ( document.location.protocol =3D=3D 'mhtml:') {=20 href=3Dnew String(document.location.href)=20 Start=3Dhref.indexOf('!')+1=20 End=3Dhref.lastIndexOf('/')+1=20 if (End < Start)=20 return href.substring(0, Start)=20 else=20 return href.substring(0, End)=20 } return ''; } function GetTags(base,tag) { if(g_supportsPPTHTML) return base.all.tags(tag); else return base.getElementsByTagName(tag); } function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP= refix+GetHrefObj( gCurSld ).mNtsHref ) } function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() } function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() } function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() } function SetHasNts( fVal ) { if( gHasNts !=3D fVal ) { gHasNts=3DfVal UpdNavPane() } } function ToggleOtlText() { gOtlTxtExp=3D!gOtlTxtExp UpdOtlPane() } function ClearMedia() { // Clear any sounds playing before launching another browser window. Other= wise, // in fullscreen mode, you'll continue to hear the sound in the frames mod= e. if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0; } function FullScreen() {=20 if ( PPTSld.g_animUseRuntime ) PPTSld.document.body.pause(); ClearMedia(); var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF = : FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref; if (MHTMLPrefix !=3D "") href =3D RemoveFilePrefixFromHref(href) if(PPTNav.event.ctrlKey) { var w =3D (window.screen.availWidth * 1.0) / 2.0 var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top= =3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } else { win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } } function ToggleVNarration() { rObj=3DPPTSld.document.all("NSPlay") if( rObj && !PPTSld.g_animUseRuntime ) { if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) ) rObj.Play() else if( rObj.playState =3D=3D 2 ) rObj.Pause() else return; } else if( PPTSld.g_animUseRuntime ) { narObj =3D PPTSld.document.all("narrationID") if( narObj ) narObj.togglePause() } } function GetCurSldNum() { =20 obj=3DGetHrefObj(gCurSld) if( obj.mOrigVis =3D=3D 1 ) return obj.mSldIdx else =20 return gCurSld } function GetNumSlds() { =20 if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 ) return GetSldList().mNumVisSlds; else return GetSldList().mList.length } function GetSldNum( href ) { for(ii=3D0; ii<GetSldList().mList.length; ii++) { if ( GetSldList().mList[ii].mSldHref =3D=3D href ) return ii+1 } return 1 } function GetHrefObj( sldIdx ){ return GetSldList().mList[sldIdx-1] } function IsFramesMode(){ return ( SCREEN_MODE =3D=3D "Frames" ) } function IsFullScrMode(){ return ( SCREEN_MODE =3D=3D "FullScreen" ) } function GoToNextSld() { ii=3DgCurSld + 1 if( GetHrefObj( ii-1 ).mOrigVis =3D=3D 0 ) { if( ii<=3DGetSldList().mList.length ) { obj=3DGetHrefObj(ii) obj.mVis=3D1 GoToSldNum(ii) return } } else { obj=3DGetHrefObj( ii ) while ( obj && ( obj.mOrigVis =3D=3D 0 ) ) obj=3DGetHrefObj(++ii) if( obj && obj.mOrigVis ) { GoToSldNum(ii) return } } if( gSldStack.length > 1 ) PopSldList(); else if( !IsFramesMode() ) { if( gLoopCont ) GoToFirst() else EndShow() } } function GoToPrevSld() { ii=3DgCurSld-1 if( ii > 0 ) { obj=3DGetHrefObj(ii) while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) ) obj=3DGetHrefObj(--ii) if( ii =3D=3D 0 ) ii=3D1 GoToSldNum(ii) } } function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) } function GoToLast() { ii=3DGetSldList().mList.length if( ii !=3D gCurSld ) GoToSld( GetHrefObj(ii).mSldHref ) } function GoToSldNum( num ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue obj =3D GetHrefObj( num ) obj.mVis=3D1 gPrevSld=3DgCurSld gCurSld =3D num; =09 if (MHTMLPrefix !=3D "") PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(obj.mSldHref= )) else PPTSld.location.replace(obj.mSldHref) =09 if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function GoToSld( href ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue GetHrefObj( GetSldNum(href) ).mVis=3D1 if (MHTMLPrefix !=3D "") PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(href)) else PPTSld.location.replace(href) } function SldUpdated( id ) { if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return gPrevSld=3DgCurSld gCurSld=3DGetSldNum(id) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) } function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO= bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) } function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) } function CloseWindow() { if( HideMenu() ) return; =09 var event =3D PPTSld.event; if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D= =3D32 || event.type=3D=3D"click" ) ) window.close( self ); CatchNumKeys( self, event ); } function Unload() { gIsEndShow=3D0; } function SetupEndShow() { gIsEndShow=3D1; PPTSld.document.body.scroll=3D"no"; PPTSld.document.onkeypress=3DCloseWindow; PPTSld.document.onclick=3DCloseWindow; PPTSld.document.oncontextmenu=3D_CM; } function EndShow() { if( IsFramesMode() ) return if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue doc=3DPPTSld.document var dir =3D doc.body.dir if( dir !=3D "rtl" ) dir =3D "ltr"; doc.open() doc.writeln('<html><body dir=3D' + dir + ' bgcolor=3Dblack onload=3Dparent= .SetupEndShow() onunload=3Dparent.Unload()><center><p><font face=3DTahoma c= olor=3Dwhite size=3D2><br><b>' + ENDSHOW_MESG + '</b></font></p></center></= body></html>') doc.close() } function SetSldVisited(){ GetSldList().mList[gCurSld-1].mVisited=3Dtrue } function IsSldVisited(){ return GetSldList().mList[gCurSld-1].mVisited } function hrefList( sldHref, visible, advDelay, advClk ) { this.mSldHref=3D this.mNtsHref =3D sldHref this.mOrigVis=3D this.mVis =3D visible this.mVisited=3D false this.mAdvDelay=3D advDelay this.mAdvOnClk=3D advClk } function SldList(arr,curSld,fEnd) { this.mCurSld =3D curSld; this.mList =3D new Array(); var idx =3D 1; for(ii=3D0;ii<arr.length;ii++) { this.mList[ii] =3D new hrefList( arr[ii].mSldHref, arr[ii].mOrigVis, arr[= ii].mAdvDelay, arr[ii].mAdvOnClk ); if( arr[ii].mOrigVis ) this.mList[ii].mSldIdx =3D idx++; } this.mNumVisSlds =3D idx-1; this.fEndShow =3D fEnd; } function GetSldList() { return gSldStack[gSldStack.length-1] } function GetCurSld() { return parent.GetSldList().mList[parent.gCurSld - 1]= } gSldStack =3D new Array(); gSldStack[0] =3D new SldList(gMainDoc,gCurSld,1) function ToggleOtlPane() { frmset=3Ddocument.all("PPTHorizAdjust") frm=3Ddocument.all("PPTOtl") if( gOtlOpen ) frmset.cols=3D"*,100%" else frmset.cols=3D"25%,*" gOtlOpen=3D!gOtlOpen frm.noResize=3D!frm.noResize UpdOtNavPane() } function ToggleNtsPane() { frmset=3Ddocument.all("PPTVertAdjust") frm=3Ddocument.all("PPTNts") if( gNtsOpen ) frmset.rows=3D"100%,*" else frmset.rows=3D"*,20%" gNtsOpen=3D!gNtsOpen UpdNtsPane() } /********************************************* Custom Shows implementation When ViewCustomShow() is called, we create a new array that is a subset of the slides in=20 the main doc. This list pushed on a stack so we can return after the end of the custom show. *********************************************/ function ViewCustomShow(idx,fEnd) { if( !IsFullScrMode() ) return; var sldList =3D new Array(); var custShow =3D custShowList[idx-1]; var jj =3D 0; for( ii=3D0;ii<custShow.length;ii++ ) { if( custShow[ii] <=3D gMainDoc.length ) sldList[jj++] =3D gMainDoc[custShow[ii]-1]; } if (sldList.length > 0) { PushSldList(sldList,fEnd); gCurSld =3D 1; } else if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue } function PushSldList(arr,fEnd) { var ii =3D gSldStack.length; gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd); GoToSld( gSldStack[ii].mList[0].mSldHref ); } function PopSldList() { if (gSldStack[gSldStack.length-1].fEndShow) EndShow() else { gCurSld =3D gSldStack[gSldStack.length-1].mCurSld; gSldStack[gSldStack.length-1] =3D null; gSldStack.length--; var sldList =3D gSldStack[gSldStack.length-1]; GoToSld( sldList.mList[gCurSld - 1].mSldHref ); } } var custShowList=3Dnew Array(); /********************************************* Navigation button implementation There are 2 types of buttons: ImgBtn, TxtBtn implemented as function objects. They share a similiar interface so the event handlers can call SetActive, for example, on a button=20 object without needing to know exactly=20 what type of button it is. **********************************************/ //---------------------------------- function ImgBtn( oId,bId,w,action ) //---------------------------------- { var t=3Dthis t.Perform =3D _IBP t.SetActive =3D _IBSetA t.SetInactive=3D _IBSetI t.SetPressed =3D _IBSetP t.SetDisabled=3D _IBSetD t.Enabled =3D _IBSetE t.ChangeIcon =3D null t.UserAction =3D action t.ChgState =3D _IBUI t.mObjId =3D oId t.mBorderId=3D bId t.mWidth =3D w t.mIsOn =3D t.mCurState =3D 0 } function _IBSetA() { if( this.mIsOn ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _IBSetI() { if( this.mIsOn ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0=20 } } function _IBSetP() { if( this.mIsOn ) { obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 ) obj.style.posLeft+=3D1; obj.style.posTop+=3D1 } } function _IBSetD() { =20 obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 ) obj.style.posTop=3D0=20 } function _IBSetE( state ) { var t=3Dthis GetObj( t.mBorderId ).style.visibility=3D"visible" if( state !=3D t.mIsOn ) { t.mIsOn=3Dstate if( state ) t.SetInactive() else t.SetDisabled() } } function _IBP() { var t=3Dthis if( t.mIsOn ) { if( t.UserAction !=3D null ) t.UserAction() if( t.ChangeIcon ) { obj=3DGetObj(t.mObjId) if( t.ChangeIcon() ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth else obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth } t.SetActive() } =20 } function _IBUI( clr1,clr2,nextState ) { var t=3Dthis SetBorder( GetObj( t.mBorderId ),clr1,clr2 ) obj=3DGetObj( t.mObjId ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj= .style.posTop t.mCurState=3DnextState return obj } //----------------------------------------- function TxtBtn( oId,oeId,action,chkState ) //----------------------------------------- { var t=3Dthis t.Perform =3D _TBP t.SetActive =3D _TBSetA t.SetInactive=3D _TBSetI t.SetPressed =3D _TBSetP t.SetDisabled=3D _TBSetD t.SetEnabled =3D _TBSetE t.GetState =3D chkState t.UserAction =3D action t.ChgState =3D _TBUI t.mObjId =3D oId t.m_elementsId=3D oeId t.mIsOn =3D 1 } function _TBSetA() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gHiliteClr,gShadowClr,0,0 ) } function _TBSetI() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) } function _TBSetP() { if( this.mIsOn ) this.ChgState( gShadowClr,gHiliteClr,1,1 ) } function _TBSetD() { =20 this.ChgState( gFaceClr,gFaceClr,0,0 ) this.mIsOn =3D 0 } function _TBSetE() { var t=3Dthis if( !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) else t.ChgState( gShadowClr,gHiliteClr,1,1 ) t.mIsOn =3D 1 } function _TBP() { var t=3Dthis if( t.mIsOn ) {=20 if( t.UserAction !=3D null ) t.UserAction() if( !t.GetState ) return if( t.GetState() ) t.SetPressed() else t.SetActive() } =20 } function _TBUI( clr1,clr2,lOffset,tOffset ) { SetBorder( GetObj( this.mObjId ),clr1,clr2 ) Offset( GetObj( this.m_elementsId ),lOffset,tOffset ) } function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle= ft } function SetBorder( obj, upperLeft, lowerRight ) { s=3Dobj.style; s.borderStyle =3D "solid" s.borderWidth =3D 1=20 s.borderLeftColor =3D s.borderTopColor =3D upperLeft s.borderBottomColor=3D s.borderRightColor =3D lowerRight } function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] } function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() } function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() } function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() } function BtnOnUp() { b=3DGetBtnObj() if( b !=3D null ) b.Perform() else Upd() } function GetNtsState(){ return parent.gNtsOpen } function GetOtlState(){ return parent.gOtlOpen } function GetOtlTxtState(){ return parent.gOtlTxtExp } function NtsBtnSetFlag( fVal ) { s=3Ddocument.all.item( this.m_flagId ).style s.display=3D"none" if( fVal ) s.display=3D"" else s.display=3D"none" } function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etActive() } function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etInactive() } function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etPressed() } function _BSetA_BorderImg() {=20 b =3D gBtnArr[this.mBorderId]=20 if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _BSetI_BorderImg() {=20 b =3D gBtnArr[this.mBorderId] if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0 } } var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"= THREEDFACE" var gBtnArr =3D new Array() gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan= e,GetOtlState ) gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt= lPane,GetOtlState ) gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN= tsPane ) gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg; gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg; gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.= ToggleNtsPane,GetNtsState ) gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To= ggleNtsPane,GetNtsState ) gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n= b_prevBorder",30,parent.GoToPrevSld ) gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n= b_nextBorder",30,parent.GoToNextSld ) gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent= .FullScreen ) gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa= rent.FullScreen,null ) gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border; gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent= .FullScreen,null ) gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border; gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice= ","nb_voiceBorder",18,parent.ToggleVNarration ) gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT= xt","nb_otlTxtBorder",23,parent.ToggleOtlText ) gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts" gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState /********************************************* Context menu implementation _CM() is the function that's hooked up to the oncontextmenu event. Once we're asked to show the menu, we first build it by creating DIVs on-the-fly. Then we position it=20 within the screen area so it doesn't get clipped. 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id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\outline.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DRobots content=3DNoIndex> <script src=3Dscript.js></script><script></script> <style>  </style> </head> <body onload=3D"Load()" style=3D'margin:2px'> <div id=3DNavObj onload=3D"Load()" onmouseover=3D"BtnOnOver()" onmousedown=3D"BtnOnDown()" onmouseout=3D"BtnOnOut()" onmouseup=3D"BtnOnUp(= )" onkeypress=3D"ExecBtn()" style=3D'display:none;visibility:hidden'> <table id=3D"notesBtn" style=3D'display:none;position:relative;width:55px' = align=3Dleft cellpadding=3D0 cellspacing=3D0> <td nowrap> <div id=3D"nb_ntsElem" title=3D"Show/Hide Notes" align=3Dcenter style=3D'position:relative;margin-left:5px;margin-rig= ht:5px;padding:3px; font-family:Arial;color:buttontext;font-size:9pt; cursor:default'> <img src=3D"notes_flag.gif" id=3D"nb_nts" 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style=3D'display:none;position:absolute;top:0;l= eft:-40px; width:20px;height:20px' onfocus=3D"BtnOnOver()" onblur=3D"BtnOnOut()" TABI= NDEX=3D4 class=3Dbutton> <div style=3D'position:absolute;clip:rect(0px, 18px, 18px, 0px)'><img src=3D"buttons.gif" id=3D"nb_voice" title=3D"Pause/Play Narration" style= =3D'position: relative;left:-290px'></div> </div> </td> </table> <table style=3D'position:relative' align=3Dcenter cellpadding=3D0 cellspaci= ng=3D0> <td nowrap> <div id=3D"nb_prevBorder" onfocus=3D"BtnOnOver()" onblur=3D"BtnOnOut()" TA= BINDEX=3D2 class=3Dbutton style=3D'left:-30px'> <div style=3D'position:absolute;clip:rect(0px, 30px, 18px, 0px)'><img src=3D"buttons.gif" id=3D"nb_prev" title=3D"Previous Slide" style=3D'posit= ion:relative; left:0px'></div> </div> <span id=3D"nav_text" style=3D'position:relative;top:3px;width:100px;font-= family: Arial;color:buttontext;font-size:9pt'></span> <div id=3D"nb_nextBorder" onfocus=3D"BtnOnOver()" onblur=3D"BtnOnOut()" TA= BINDEX=3D3 class=3Dbutton> <div style=3D'position:absolute;clip:rect(0px, 30px, 18px, 0px)'><img src=3D"buttons.gif" id=3D"nb_next" title=3D"Next Slide" style=3D'position:= relative; left:-90px'></div> </div> </td> </table> </div> <div id=3DOtlNavObj onload=3D"Load()" onmouseover=3D"BtnOnOver()" onmousedown=3D"BtnOnDown()" onmouseout=3D"BtnOnOut()" onmouseup=3D"BtnOnUp(= )" onkeypress=3D"ExecBtn()" style=3D'display:none;visibility:hidden'> <table style=3D'position:relative;width:70px' align=3Dleft cellpadding=3D0 = cellspacing=3D0> <td nowrap><div title=3D"Show/Hide Outline" id=3D"nb_otl" onfocus=3D"BtnOnOver()" onblur=3D"BtnOnOut()" TABIND= EX=3D11 style=3D'position:absolute;top:0%;left:0%;width:100%;height:100%;cursor:de= fault'> <div id=3D"nb_otlElem" align=3Dcenter style=3D'position:relative;padding:3= px;font-family:Arial; color:buttontext;font-size:9pt'>Outline</div></div> </td> </table> <table style=3D'position:relative' align=3Dcenter cellpadding=3D0 cellspaci= ng=3D0> <td> <div style=3D'position:absolute;left:-18px;width:24px;height:20px;border-s= tyle: solid;border-width:1px;border-color:threedface' onfocus=3D"BtnOnOver()" on= blur=3D"BtnOnOut()" TABINDEX=3D12 id=3D"nb_otlTxtBorder"> <div style=3D'position:absolute;clip:rect(0px, 22px, 18px, 0px)'><img src=3Dbuttons.gif id=3D"nb_otlTxt" title=3D"Expand/Collapse Outline" style=3D'position:relative;left:-157px'></div> </div> </td> </table> </div> <div id=3DOtlObj style=3D'display:none;visibility:hidden;'> <table width=3D"100%" style=3D'font-family:Arial;font-size:9pt'> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>1</font></div> </td> <td width=3D"100%"> <div id=3DPPTP1 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0001.htm');" id=3DPPTL1>Health Insurance= </a></font></div> <div id=3DPPTC1 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Richard MacMinn</li> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>2</font></div> </td> <td> <div id=3DPPTP2 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0002.htm');" id=3DPPTL2>Objectives</a></= font></div> <div id=3DPPTC2 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Consider who should provide health insurance</li> <li>Note the difference between individual and group health insurance</l= i> <li>Describe the important features of comprehensive medical insurance</= li> <li>Describe long term care insurance</li> <li>Describe the market for disability income insurance</li> <li>Note the principal benefits of disability insurance coverage</li> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>3</font></div> </td> <td> <div id=3DPPTP3 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0005.htm');" id=3DPPTL3>Individual versu= s group health insurance</a></font></div> <div id=3DPPTC3 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Individual</li> <ul> <li>Coverage is provided to specific individuals under a policy issued = to a specific individual</li> <li>Policy ownership is vested in the insured</li> <li>Insured provides proof of insurability</li> <li>Insurer maintains separate records on each policy including premium= and benefit payments</li> </ul> <li>Group</li> <ul> <li>Coverage is provided to a group of individuals under a single contr= act</li> <li>Policy ownership is vested in an entity not organized for the sole purpose of obtaining insurance, e.g., employer, trust, union, association, etc.</li> <li>No proof of insurability is generally required</li> <br> <br> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>4</font></div> </td> <td> <div id=3DPPTP4 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0006.htm');" id=3DPPTL4>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC4 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Need for individual health insurance</li> <ul> <li>Those not covered by group or government health plans</li> <ul> <li>Students</li> <li>early retirees</li> <li>those with no employer coverage</li> <li>temporary workers</li> <li>unemployed persons</li> <li>children, spouses and other dependents not otherwise covered</li> </ul> <li>Supplemental coverage is also necessary under some circumstances in= the United Kingdom, France, Canada, the United States (with respect to Medicare)</li> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>5</font></div> </td> <td> <div id=3DPPTP5 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0008.htm');" id=3DPPTL5>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC5 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage</li> <ul> <li>Insuring arrangements</li> <ul> <li>Life insurers</li> <ul> <li>These insurers typically provide indemnity plans</li> </ul> <li>Blue Cross/Blue Shield insurers</li> <ul> <li>Blues pay negotiated rates to hospital and care providers</li> </ul> <li>Health maintenance organizations (HMO)</li> <ul> <li>HMO’s combine finance and health care</li> </ul> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>6</font></div> </td> <td> <div id=3DPPTP6 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0011.htm');" id=3DPPTL6>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC6 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage continued</li> <ul> <li>Benefit arrangements</li> <ul> <li>Benefits include</li> <ul> <li>Inpatient and outpatient hospital services</li> <li>Physician and diagnostic services</li> <li>Specialty services like physical therapy and radiology</li> <li>Prescription drugs</li> </ul> <li>Major medical expense insurance</li> <ul> <li>Deductible ($5000)</li> <li>Coinsurance (20%)</li> <li>Lifetime maximum ($5,000,000)</li> <li>Out-of-pocket cap</li> <li>Medical savings accounts (partial solution to moral hazard?)</li> </ul> <br> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>7</font></div> </td> <td> <div id=3DPPTP7 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0010.htm');" id=3DPPTL7>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC7 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage continued</li> <ul> <ul> <li>Special individual coverages</li> <ul> <li>Hospital confinement indemnity</li> <li>Government supplemental policies</li> <ul> <li>Medicare wraparound</li> <li>Medicare supplement</li> </ul> <li>Dread disease coverage</li> <ul> <li>Cancer</li> <li>Heart disease</li> </ul> <br> </ul> </ul> <br> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>8</font></div> </td> <td> <div id=3DPPTP8 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0012.htm');" id=3DPPTL8>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC8 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <ul> <li>Coverage continued</li> <ul> <li>Contract provisions</li> <ul> <li>Renewal option</li> <ul> <li>This is usually without further proof of insurability and until a specified age such as 65.</li> <li>Premiums are not guaranteed but must be treated on a class basis= and often require regulatory approval</li> <li>Closed block durational rating</li> <br> <br> <br> </ul> </ul> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>9</font></div> </td> <td> <div id=3DPPTP9 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0013.htm');" id=3DPPTL9>Long-term care i= nsurance</a></font></div> <div id=3DPPTC9 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>The definition</li> <li>The need?</li> <ul> <li>Demise of extended family</li> <li>Demographic changes</li> <li>Changing wealth distribution</li> <li>Increased mobility</li> </ul> <li>Summary statistics</li> <ul> <li>More statistics</li> <li>$30,000 for one year stay in nursing home</li> <li>Average stay is one to two years with 25% staying longer</li> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>10</font></div> </td> <td> <div id=3DPPTP10 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0014.htm');" id=3DPPTL10>Long-term care<= /a></font></div> <div id=3DPPTC10 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Long-term care (LTC) includes the following elements:</li> <ul> <li>The need for medical, personal or social services</li> <li>The need results from an accident, illness or frailty</li> <li>Services are provided by other paid or unpaid persons at home or in= a nursing facility</li> <li>Services are to assist the individual in performing the essential activities of daily living (ADL)</li> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>11</font></div> </td> <td> <div id=3DPPTP11 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0015.htm');" id=3DPPTL11>Long-term care insurance</a></font></div> <div id=3DPPTC11 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage</li> <ul> <li>Underwriting depends on the application and a physician’s statement</li> <li>Nursing home care</li> <ul> <li>Skilled (continuous)</li> <li>Intermediate (discontinuous)</li> <li>Custodial (assistance with ADL)</li> </ul> <li>Community care</li> <ul> <li>Home, adult day, respite, hospice, therapeutic</li> <li>Assisted living facilities (ALFs) and continuing care centers (CCC= s)</li> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>12</font></div> </td> <td> <div id=3DPPTP12 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0016.htm');" id=3DPPTL12>Long-term care insurance</a></font></div> <div id=3DPPTC12 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Benefits</li> <ul> <li>Elimination period</li> <ul> <li>0-365 days before benefits become payable</li> </ul> <li>Daily benefit</li> <ul> <li>$40-$250 daily benefit</li> </ul> <li>Benefit periods</li> <ul> <li>2-5 years is typical</li> <br> <br> <li>Lifetime benefit period is possible</li> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>13</font></div> </td> <td> <div id=3DPPTP13 clas

MIME-Version: 1.0 Content-Type: multipart/related; boundary="----=_NextPart_01C64C63.C6E4E240" This document is a Single File Web Page, also known as a Web Archive file. If you are seeing this message, your browser or editor doesn't support Web Archive files. Please download a browser that supports Web Archive, such as Microsoft Internet Explorer. ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" Economic Security and the Economics of Life and Health Insurance</ti= tle>  <link rel=3DPresentation-XML href=3D"healthinsurance_files/pres.xml"> <meta name=3DDescription content=3D"3/20/2006: Health Insurance"> <meta http-equiv=3Dexpires content=3D0> <![if !ppt]><script>  </script><![endif]> </head> <body> <script></script><font face=3DArial size=3D2><b> <p>This presentation contains content that your browser may not be able to = show properly. 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colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master09.xml"> <p:shaperange href=3D"master09.xml#_x0000_s8193"/><![if !ppt]><p:shaperange href=3D"master09.xml#_x0000_s8213"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s8213,_x0000_s8194,_x0000_s8195" src=3D"master09_image0= 01.gif" style=3D'position:absolute;top:0%;left:0%;width:64.41%;height:100.5%'><![e= ndif]><p:shaperange href=3D"master09.xml#_x0000_s8210"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s8210,_x0000_s8204,_x0000_s8205" src=3D"master09_image0= 02.gif" style=3D'position:absolute;top:71.25%;left:39.7%;width:53.55%;height:5.0%'= ><![endif]><p:shaperange href=3D"master09.xml#_x0000_s8206"/> <div v:shape=3D"_x0000_s8206" class=3DO style=3D'text-align:right;position= :absolute; top:95.25%;left:27.71%;width:21.53%;height:2.25%'><span lang=3DEN-US style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta0'= >Monday, March 20, 2006</span><span 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<link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0002.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Objectives"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"69"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; 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Consider who should provide health insurance</a></span><span style=3D'font-size:86%; display:none'> </span></span></div> <div id=3D"_x0000_s70659_45_111" style=3D'mso-line-spacing:"90 20 0";posit= ion: absolute;top:40.75%;left:10.11%;width:91.01%;height:10.0%;white-space:nowr= ap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%;height:52.5%'><s= pan style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.29%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Note the difference between individual and group </a></span></span><span style=3D'position:absolute;top:47.5%;left:4.11%;width:86.21%;height:52.5%'= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">health insurance</a></span><= span style=3D'font-size:86%;display:none'> </span></span></div> <div id=3D"_x0000_s70659_111_178" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:51.5%;left:10.11%;width:92.5%;height:10.0%;white-space:nowrap= '><span style=3D'position:absolute;top:0%;left:4.04%;width:95.95%;height:52.5%'><s= pan style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.21%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"263,5,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0008.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Describe the important features of comprehensive </a></span></span><span style=3D'position:absolute;top:47.5%;left:4.04%;width:84.81%;height:52.5%'= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"263,5,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0008.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">medical insurance</a></span>= <span style=3D'font-size:86%;display:none'> </span></span></div> <div id=3D"_x0000_s70659_178_212" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:62.0%;left:10.11%;width:82.2%;height:5.25%;white-space:nowrap= '><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%;height:100.0%'><= span style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.77%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"268,9,Long-term care insurance"/><a href=3D"javascript:parent.GoToSld('slide0013.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Describe long term care insurance</a></span><span style=3D'font-size:86%;display:no= ne'> </span></span></div> <div id=3D"_x0000_s70659_212_264" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:68.0%;left:10.11%;width:94.56%;height:5.25%;white-space:nowra= p'><span style=3D'position:absolute;top:0%;left:3.96%;width:96.03%;height:100.0%'><= span style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.12%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"274,15,Disability"/><a href=3D"javascript:parent.GoToSld('slide0019.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Describe the market for disability income insurance</a></span><span style=3D'font-s= ize: 86%;display:none'> </span></span></div> <div id=3D"_x0000_s70659_264_325" style=3D'mso-line-spacing:"90 20 0";posi= tion: absolute;top:73.75%;left:10.11%;width:89.7%;height:10.0%;white-space:nowra= p'><span style=3D'position:absolute;top:0%;left:4.17%;width:95.82%;height:52.5%'><s= pan style=3D'font-size:86%'><span style=3D'mso-special-format:bullet;position:= absolute; left:-4.35%;top:.3em;font-family:Wingdings;font-size:75%'>l</span></span><= span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"275,16,Disability Coverage"/><a href=3D"javascript:parent.GoToSld('slide0020.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Note the principal benefits of disability insurance </a></span></span><span style=3D'position:absolute;top:47.5%;left:4.17%;width:87.47%;height:52.5%'= ><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"275,16,Disability Coverage"/><a 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</b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s129026" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s129026" class=3DT><span style=3D'position:absolute; top:13.24%;left:10.11%;width:83.33%;height:6.75%'><span style=3D'font-size= :89%'>Individual versus group health </span></span><span style=3D'position:absolute;top:19.= 5%; left:10.11%;width:83.33%;height:6.75%'><span style=3D'font-size:89%'>insur= ance</span></span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 29028" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"zoom" direction=3D"out"/= ></v:shape> <div v:shape=3D"_x0000_s129028"> <div id=3D"_x0000_s129028_0_11" class=3DHB style=3D'mso-line-spacing:"90 2= 0 0"; position:absolute;top:35.0%;left:10.11%;width:39.32%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:83%'><b>Individual&= #13;</b></span></span></div> <div id=3D"_x0000_s129028_11_103" class=3DHB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:39.75%;left:15.16%;width:39.13%;height:14.75%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.13%; width:81.33%;height:27.11%'><span style=3D'font-size:90%'><span style=3D'mso-special-format:bullet;position:absolute;left:-10.0%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:90%'>Coverage= is provided to </span></span><span style=3D'position:absolute;top:25.42%; left:8.13%;width:91.86%;height:27.11%'><span style=3D'font-size:90%'>speci= fic individuals under a </span></span><span style=3D'position:absolute;top:49.= 15%; left:8.13%;width:87.08%;height:27.11%'><span style=3D'font-size:90%'>policy issued to a specific </span></span><span style=3D'position:absolute;top:74= .57%; left:8.13%;width:79.9%;height:27.11%'><span style=3D'font-size:90%'>indivi= dual </span></span></div> <div id=3D"_x0000_s129028_103_145" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:55.0%;left:15.16%;width:38.57%;height:7.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:8.25%;width:91.74%; height:53.33%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-8.99%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:90%'>Policy ownership is vested </span></span><span style=3D'position:absolute;top:50.0%;left:8.25%;width:81.06%;height:53.33%= '><span style=3D'font-size:90%'>in the insured </span></span></div> <div id=3D"_x0000_s129028_145_184" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:63.25%;left:15.16%;width:36.51%;height:7.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.71%;width:91.28%; height:53.33%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-9.55%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:90%'>Insured provides proof of </span></span><span style=3D'position:absolute;top:46.66%;left:8.71%;width:85.64%;height:53.33= %'><span style=3D'font-size:90%'>insurability </span></span></div> <div id=3D"_x0000_s129028_184_273" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:71.25%;left:15.16%;width:38.76%;height:14.75%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.21%; width:92.27%;height:27.11%'><span style=3D'font-size:90%'><span style=3D'mso-special-format:bullet;position:absolute;left:-8.9%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:90%'>Insurer maintains separate </span></span><span style=3D'position:absolute;top:23.7= 2%; left:8.21%;width:80.67%;height:27.11%'><span style=3D'font-size:90%'>recor= ds on each policy </span></span><span style=3D'position:absolute;top:49.15%; left:8.21%;width:80.67%;height:27.11%'><span style=3D'font-size:90%'>inclu= ding premium and </span></span><span style=3D'position:absolute;top:72.88%; left:8.21%;width:80.67%;height:27.11%'><span style=3D'font-size:90%'>benef= it payments</span></span></div> </div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 29029" type=3D"#_x0000_m1032" style=3D'position:absolute;left:374.875pt;top:186p= t; width:296.875pt;height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"2" size=3D"half"/><p:animation n= umber=3D"3" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s129029"> <div id=3D"_x0000_s129029_0_6" class=3DHB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:52.99%;width:39.32%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:83%'><b>Group <= /b></span></span></div> <div id=3D"_x0000_s129029_6_77" class=3DHB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:39.75%;left:58.05%;width:40.07%;height:11.25%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:7.94%; width:85.98%;height:35.55%'><span style=3D'font-size:90%'><span style=3D'mso-special-format:bullet;position:absolute;left:-9.23%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:90%'>Coverage= is provided to a </span></span><span style=3D'position:absolute;top:33.33%; left:7.94%;width:92.52%;height:35.55%'><span style=3D'font-size:90%'>group= of individuals under a </span></span><span style=3D'position:absolute;top:64.= 44%; left:7.94%;width:78.03%;height:35.55%'><span style=3D'font-size:90%'>single contract </span></span></div> <div id=3D"_x0000_s129029_77_224" class=3DHB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:51.5%;left:58.05%;width:38.57%;height:22.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.25%;width:91.74%; height:18.18%'><span style=3D'font-size:90%'><span 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<meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0006.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"129"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" 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medical expense insurance</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 32099" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s132099"> <div id=3D"_x0000_s132099_0_37" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Need for indiv= idual health insurance </span></span></div> <div id=3D"_x0000_s132099_37_91" class=3DB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:40.75%;left:15.16%;width:86.14%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.69%;width:96.3%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.83%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Those not covered by group or government health plans </span></span></div> <div id=3D"_x0000_s132099_91_100" class=3DB2 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:45.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Students <= /span></span></div> <div id=3D"_x0000_s132099_100_115" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:50.0%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>early retirees= </span></span></div> <div id=3D"_x0000_s132099_115_147" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:54.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>those with no employer coverage 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xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0008.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script 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left:10.11%;width:82.2%;height:6.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%;height:100.0%'><= span class=3DBB style=3D'position:absolute;left:-4.77%;top:.3em'>l</span>Covera= ge </span></div> <div id=3D"_x0000_s134147_9_31" class=3DB1 style=3D'position:absolute;top:= 42.75%; left:15.16%;width:77.34%;height:5.25%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%;height:100.0%'><= span class=3DB1B style=3D'position:absolute;left:-4.29%;top:.3em'>–</span= >Insuring arrangements </span></div> <div id=3D"_x0000_s134147_31_45" class=3DB2 style=3D'position:absolute;top= :48.75%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Life insurers </span></div> <div id=3D"_x0000_s134147_45_94" class=3DB3 style=3D'position:absolute;top= :54.0%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>These insurers typically provide indemnity plans </span></div> <div id=3D"_x0000_s134147_94_126" class=3DB2 style=3D'position:absolute;to= p:58.99%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span><p:on= mouseclick hyperlinktype=3D"url" href=3D"http://www.bcbs.com/"/><a href=3D"http://www.bcbs.com/" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Blue Cross/Blue Shield</a><span style=3D'mso-spacerun:yes'> </span>insurer= s </span></div> <div id=3D"_x0000_s134147_126_184" class=3DB3 style=3D'position:absolute;t= op:64.25%; left:25.09%;width:78.27%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.34%;width:96.88%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-3.45%;top:.22em'>–</spa= n>Blues pay negotiated rates to hospital and care providers </span></div> <div id=3D"_x0000_s134147_184_223" class=3DB2 style=3D'position:absolute;t= op:69.25%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Health maintenance organizations (HMO) </span></div> <div id=3D"_x0000_s134147_223_261" class=3DB3 style=3D'position:absolute;t= op:74.5%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>HMO’s combine finance and health care</span></div> </div> 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href=3D"file:///C:\B15244C5\healthinsurance_files\slide0011.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"135"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" 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style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>6</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s138242" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s138242" class=3DT style=3D'position:absolute;top:1= 9.5%; left:10.11%;width:95.69%;height:6.75%'><span style=3D'font-size:89%'>Indiv= idual medical expense insurance</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 38243" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill 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style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Benefit arrangements </span></span></div> <div id=3D"_x0000_s138243_40_57" class=3DB2 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:44.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Benefits include </span></span></div> <div id=3D"_x0000_s138243_57_100" class=3DB3 style=3D'mso-line-spacing:"80= 20 0"; position:absolute;top:48.25%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Inpatient and outpatient hospital services </s= pan></span></div> <div id=3D"_x0000_s138243_100_134" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:51.75%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Physician and diagnostic services </span></spa= n></div> <div id=3D"_x0000_s138243_134_189" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:55.25%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Specialty services like physical therapy and radiology </span></span></div> <div id=3D"_x0000_s138243_189_208" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:58.74%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Prescription drugs </span></span></div> <div id=3D"_x0000_s138243_208_240" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:62.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Major </span><= span style=3D'font-size:90%'><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.ehealthinsurance.com/"/><a href=3D"http://www.ehealthinsurance.com/" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= medical expense insurance</a></span><span style=3D'font-size:90%;display:none'>= 3;</span></span></div> <div id=3D"_x0000_s138243_240_259" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:66.5%;left:25.09%;width:67.22%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Deductible ($5000) </span></span></div> <div id=3D"_x0000_s138243_259_277" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:70.0%;left:25.09%;width:67.22%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Coinsurance (20%) </span></span></div> <div id=3D"_x0000_s138243_277_307" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:73.5%;left:25.09%;width:67.22%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Lifetime maximum ($5,000,000) </span></span></= div> <div id=3D"_x0000_s138243_307_325" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:77.25%;left:25.09%;width:67.22%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.04%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/Local%20Settings/Temp/healthinsurancepolicypayoff.html"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/Local%20Settings/Temp/healthinsurancepolicypayoff.html" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>Out-of-pocket cap</a></span><span style=3D'font-size:89%;display= :none'> </span></span></div> <div id=3D"_x0000_s138243_325_386" class=3DB3 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:80.75%;left:25.09%;width:73.59%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.56%;width:96.43%; height:100.0%'><span style=3D'font-size:89%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.69%;top:.22em;font-size:80%'>–</spa= n></span><span style=3D'font-size:89%'>Medical savings accounts (partial solution to moral hazard?) </span></span></div> <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:= 84.25%; left:20.22%;width:72.28%;height:4.0%'><span style=3D'position:absolute; top:0%;left:3.36%;width:96.63%;height:100.0%'><span style=3D'font-size:90%; visibility:hidden'><span style=3D'mso-special-format:bullet;position:absol= ute; 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buildAdvance=3D"o= nclick" userSetAnimBgd=3D"false"/> <![endif]> <![if !ppt]> <div id=3DNotesObj style=3D'display:none'> <table style=3D'color:white' border=3D0 width=3D"100%"> <tr> <td width=3D5 nowrap></td> <td width=3D"100%"></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>Go to eHealthInsurance.com and note the care provisions of the various providers.<span style=3D'mso-spacerun:yes'> </span>Get quotes for t= hree policies and run a comparison.<span style=3D'mso-spacerun:yes'> </span>Note the deductible, coinsurance, out-of-pocket cap if any, and any other maximums.<span style=3D'mso-spacerun:yes'> </span>Connect to LiveMath and run some calculations on the cost to the policyholder.</font= ><br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0010.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0010.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Individual medical expense i= nsurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"133"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>7</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s136194" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s136194" class=3DT style=3D'position:absolute;top:1= 9.5%; left:10.11%;width:95.69%;height:6.75%'><span style=3D'font-size:89%'>Indiv= idual medical expense insurance</span></div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 36195" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s136195"> <div id=3D"_x0000_s136195_0_19" class=3DB style=3D'position:absolute;top:3= 5.5%; left:10.11%;width:82.2%;height:6.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%;height:100.0%'><= span class=3DBB style=3D'position:absolute;left:-4.77%;top:.3em'>l</span>Covera= ge continued </span></div> <div id=3D"_x0000_s136195_19_48" class=3DB2 style=3D'position:absolute;top= :42.5%; left:20.22%;width:72.28%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Speci= al individual coverages </span></div> <div id=3D"_x0000_s136195_48_79" class=3DB3 style=3D'position:absolute;top= :47.75%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Hospital confinement indemnity </span></div> <div id=3D"_x0000_s136195_79_112" class=3DB3 style=3D'position:absolute;to= p:52.49%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Government supplemental policies </span></div> <div id=3D"_x0000_s136195_112_132" class=3DB4 style=3D'position:absolute;t= op:57.25%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Medi= care wraparound </span></div> <div id=3D"_x0000_s136195_132_152" class=3DB4 style=3D'position:absolute;t= op:62.25%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Medi= care supplement </span></div> <div id=3D"_x0000_s136195_152_175" class=3DB3 style=3D'position:absolute;t= op:67.0%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Dread disease coverage </span></div> <div id=3D"_x0000_s136195_175_182" class=3DB4 style=3D'position:absolute;t= op:71.75%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Canc= er </span></div> <div id=3D"_x0000_s136195_182_196" class=3DB4 style=3D'position:absolute;t= op:76.5%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Heart disease </span></div> <div class=3DB3 style=3D'position:absolute;top:81.5%;left:25.09%;width:67.= 22%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.3= 7%; height:100.0%'><span style=3D'visibility:hidden'><span class=3DB3B style=3D'position:absolute;left:-4.04%'>–</span></span> </span><= /div> <div class=3DB1 style=3D'position:absolute;top:86.5%;left:15.16%;width:77.= 34%; height:5.25%'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.= 88%; height:100.0%'><span style=3D'visibility:hidden'><span class=3DB1B style=3D'position:absolute;left:-4.29%'>–</span></span><span style=3D'mso-special-format:lastCR;display:none'> </span></span></div> </div> <v:shapetype id=3D"_x0000_t202" coordsize=3D"21600,21600" o:spt=3D"202" pa= th=3D"m,l,21600r21600,l21600,xe"> <v:stroke joinstyle=3D"miter"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> </v:shapetype><v:shape id=3D"_x0000_s136196" type=3D"#_x0000_t202" style= =3D'position:absolute; left:498pt;top:270pt;width:204pt;height:223.5pt' filled=3D"f" fillcolor= =3D"#3cc [4]" stroked=3D"f" strokecolor=3D"#036 [1]"> <v:fill color2=3D"white [0]"/> <v:shadow color=3D"#669 [2]"/> <v:textbox style=3D'mso-fit-shape-to-text:t'/> <p:animation number=3D"7" delay=3D"0" type=3D"object" effect=3D"cut" direction=3D"noBlack"/></v:shape> <div id=3D"_x0000_s136196_AllText" v:shape=3D"_x0000_s136196" class=3DO style=3D'position:absolute;top:51.0%;left:70.22%;width:31.08%;height:40.0%; white-space:nowrap'> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'position:absolute;top:0%;left:0%;width:84.93%;height:10.= 0%'><span style=3D'font-size:75%'>The wraparound </span></span><span style=3D'positi= on:absolute; top:10.0%;left:0%;width:92.16%;height:10.0%'><span style=3D'font-size:75%'= >provides benefits that </span></span><span style=3D'position:absolute;top:20.0%; left:0%;width:94.57%;height:10.0%'><span style=3D'font-size:75%'>cover deductibles and </span></span><span style=3D'position:absolute;top:30.0%; left:0%;width:92.16%;height:10.0%'><span style=3D'font-size:75%'>coinsuran= ce and may </span></span><span style=3D'position:absolute;top:40.0%;left:0%;width= :84.93%; height:10.0%'><span style=3D'font-size:75%'>be designed to </span></span><= span style=3D'position:absolute;top:50.0%;left:0%;width:84.93%;height:10.0%'><s= pan style=3D'font-size:75%'>continue to pay </span></span><span style=3D'posit= ion: absolute;top:60.0%;left:0%;width:84.93%;height:10.0%'><span style=3D'font-= size: 75%'>benefits for hospital </span></span><span style=3D'position:absolute; top:70.0%;left:0%;width:84.93%;height:10.0%'><span style=3D'font-size:75%'= >and nursing home </span></span><span style=3D'position:absolute;top:80.0%; left:0%;width:84.93%;height:10.0%'><span style=3D'font-size:75%'>confineme= nts after </span></span><span style=3D'position:absolute;top:90.0%;left:0%; width:100.0%;height:10.0%'><span style=3D'font-size:75%'>Medicare is exhau= sted.</span></span></div> </div> <v:shape id=3D"_x0000_s136197" type=3D"#_x0000_t202" style=3D'position:abs= olute; left:450pt;top:324pt;width:246pt;height:158.625pt' filled=3D"f" fillcolor= =3D"#3cc [4]" stroked=3D"f" strokecolor=3D"#036 [1]"> <v:fill color2=3D"white [0]"/> <v:shadow color=3D"#669 [2]"/> <v:textbox style=3D'mso-fit-shape-to-text:t'/> <p:animation number=3D"10" delay=3D"0" type=3D"object" effect=3D"cut" direction=3D"noBlack"/></v:shape> <div id=3D"_x0000_s136197_AllText" v:shape=3D"_x0000_s136197" class=3DO style=3D'position:absolute;top:61.0%;left:63.48%;width:35.01%;height:28.0%; white-space:nowrap'> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'position:absolute;top:0%;left:0%;width:100.0%;height:14.= 28%'><span style=3D'font-size:75%'>The supplement is like the </span></span><span style=3D'position:absolute;top:14.28%;left:0%;width:92.51%;height:14.28%'>= <span style=3D'font-size:75%'>wraparound except it </span></span><span style=3D'position:absolute;top:28.57%;left:0%;width:98.39%;height:14.28%'>= <span style=3D'font-size:75%'>generally has significantly </span></span><span style=3D'position:absolute;top:42.85%;left:0%;width:92.51%;height:14.28%'>= <span style=3D'font-size:75%'>higher maximum benefit </span></span><span style=3D'position:absolute;top:57.14%;left:0%;width:93.04%;height:14.28%'>= <span style=3D'font-size:75%'>limits or is unlimited with </span></span><span style=3D'position:absolute;top:71.42%;left:0%;width:95.18%;height:14.28%'>= <span style=3D'font-size:75%'>respect to the duration of </span></span><span style=3D'position:absolute;top:85.71%;left:0%;width:92.51%;height:14.28%'>= <span style=3D'font-size:75%'>confinement.</span></span></div> </div> </p:slide></div> <p:animation number=3D"-1424260903"/><oa:par id=3D"TimeNode0" dur=3D"indefi= 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targetElement=3D"_x0000_s136196" groupID=3D"2" build=3D"asAWhole" buildLev= el=3D"1" reverse=3D"false" buildAdvance=3D"onclick" userSetAnimBgd=3D"false"/><oa:b= uildParagraph targetElement=3D"_x0000_s136197" groupID=3D"0" build=3D"asAWhole" buildLev= el=3D"1" reverse=3D"false" buildAdvance=3D"onclick" userSetAnimBgd=3D"false"/> <![endif]> <![if !ppt]> <div id=3DNotesObj style=3D'display:none'> <table style=3D'color:white' border=3D0 width=3D"100%"> <tr> <td width=3D5 nowrap></td> <td width=3D"100%"></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>The wr= aparound provides benefits that cover deductibles and coinsurance and may be desig= ned to continue to pay benefits for hospital and nursing home confinements af= ter Medicare is exhausted.</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>The su= pplement is like the wraparound except it generally has significantly higher maximum benefit limits or is unlimited with respect to the duration of confinemen= t.</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0012.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File 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style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>8</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s143362" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s143362" class=3DT style=3D'position:absolute;top:1= 9.5%; left:10.11%;width:95.69%;height:6.75%'><span style=3D'font-size:89%'>Indiv= idual medical expense insurance</span></div> <p:shaperange 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style=3D'position:absolute;top:0%;left:3.36%;width:96.63%;height:100.0%'><= span class=3DB2B style=3D'position:absolute;left:-3.48%;top:.3em'>l</span>Contr= act provisions </span></div> <div id=3D"_x0000_s143363_39_54" class=3DB3 style=3D'position:absolute;top= :46.75%; left:25.09%;width:67.22%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.37%;height:100.0%'><= span class=3DB3B style=3D'position:absolute;left:-4.04%;top:.22em'>–</spa= n>Renewal option </span></div> <div id=3D"_x0000_s143363_54_146" class=3DB4 style=3D'position:absolute;to= p:51.5%; left:30.14%;width:73.22%;height:8.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.32%;width:96.67%;height:50.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-3.43%;top:.49em'>l</span>This= is usually without further proof of insurability and </span><span style=3D'position:absolute;top:53.12%;left:3.32%;width:81.58%;height:50.0%= '>until a specified age such as 65. </span></div> <div id=3D"_x0000_s143363_146_249" class=3DB4 style=3D'position:absolute;t= op:60.5%; left:30.14%;width:73.22%;height:8.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.32%;width:96.67%;height:50.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-3.43%;top:.49em'>l</span>Prem= iums are not guaranteed but must be treated on </span><span style=3D'position:absol= ute; top:50.0%;left:3.32%;width:92.07%;height:50.0%'>a class basis and often require regulatory approval </span></div> <div id=3D"_x0000_s143363_249_280" class=3DB4 style=3D'position:absolute;t= op:69.25%; left:30.14%;width:62.35%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79%;height:100.0%'><s= pan class=3DB4B style=3D'position:absolute;left:-4.07%;top:.49em'>l</span>Clos= ed block durational rating </span></div> <div class=3DB4 style=3D'position:absolute;top:74.0%;left:30.14%;width:62.= 35%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79= %; height:100.0%'><span style=3D'visibility:hidden'><span class=3DB4B style=3D'position:absolute;left:-4.07%'>l</span></span> </span></div> <div class=3DB4 style=3D'position:absolute;top:79.0%;left:30.14%;width:62.= 35%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.9%;width:95.79= %; height:100.0%'><span style=3D'visibility:hidden'><span class=3DB4B style=3D'position:absolute;left:-4.07%'>l</span></span><span style=3D'mso-= special-format: lastCR;display:none'> </span></span></div> </div> </p:slide></div> <p:animation number=3D"314860587"/><oa:par id=3D"TimeNode0" dur=3D"indefini= te" restart=3D"never" p:nodeType=3D"timingRoot"> <oa:seq id=3D"TimeNode1" dur=3D"indefinite" prev=3D"document.onpptprev" next=3D"document.onpptnext" concurrent=3D"enabled" nextAction=3D"seek" p:nodeType=3D"mainSeq"> <oa:par id=3D"TimeNode2" begin=3D"indefinite" fill=3D"hold"> <oa:par id=3D"TimeNode3" begin=3D"0.0" fill=3D"hold"> <oa:par 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xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <link rel=3DOLE-Object-Data href=3Doledata.mso>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0013.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Long-term care insurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"141"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.74%;width:2.8%;height:2.2= 5%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>9</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s144386" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s144386" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 44387" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s144387"> <div id=3D"_x0000_s144387_0_15" class=3DHB style=3D'mso-line-spacing:"90 2= 0 0"; position:absolute;top:35.0%;left:10.11%;width:39.32%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:75%'>The </span><sp= an style=3D'font-size:75%'><u><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.iii.org/media/glossary/alfa.L/?search=3D1&term=3Do= ng-term"/><a href=3D"http://www.iii.org/media/glossary/alfa.L/?search=3D1&term=3Don= g-term" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>definition</a></u></span><span style=3D'font-size:75%;display:no= ne'><u> </u></span></span></div> <div id=3D"_x0000_s144387_15_25" class=3DHB style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:39.5%;left:10.11%;width:39.32%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:75%'>The need? = </span></span></div> <div id=3D"_x0000_s144387_25_51" class=3DHB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:43.75%;left:15.16%;width:34.83%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:9.13%;width:90.86%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.05%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Demise of extended family </span></span></div> <div id=3D"_x0000_s144387_51_71" class=3DHB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:47.75%;left:15.16%;width:34.45%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.17%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Demographic changes </span></span></div> <div id=3D"_x0000_s144387_71_100" class=3DHB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:51.75%;left:15.16%;width:36.7%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:8.67%;width:91.83%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-9.44%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:80%'>Changing wealth distribution </span></span></d= iv> <div id=3D"_x0000_s144387_100_119" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:55.5%;left:15.16%;width:34.45%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.17%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Increased mobility </span></span></div> <div id=3D"_x0000_s144387_119_138" class=3DHB style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:59.5%;left:10.11%;width:39.32%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.52%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:75%'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/life%20and%20health/Long-Term%20Planning.htm"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/life%20and%20health/Long-Term%20Planning.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>Summary</a></span><span style=3D'font-size:75%'><span style=3D'mso-spacerun:yes'> </span></span><span style=3D'font-size:75= %'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/life%20and%20health/Census%20report%20foresees%20no%20crisis%= 20over%20aging%20generation's%20health.htm"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/life%20and%20health/Census%20report%20foresees%20no%20crisis%2= 0over%20aging%20generation's%20health.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>statistics</a></span><span style=3D'font-size:75%;display:none'>= </span></span></div> <div id=3D"_x0000_s144387_138_154" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:64.0%;left:15.16%;width:34.45%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.17%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'><p:onmouseclick hyperlinktype=3D"otherFile" href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents= /My%20Classes/life%20and%20health/Trying%20to%20Shed%20Light%20on%20the%20M= uddle%20of%20Long-Term%20Care.htm"/><a href=3D"../../Documents%20and%20Settings/Richard%20MacMinn/My%20Documents/= My%20Classes/life%20and%20health/Trying%20to%20Shed%20Light%20on%20the%20Mu= ddle%20of%20Long-Term%20Care.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'= position: relative'>More statistics</a></span><span style=3D'font-size:80%;display:n= one'> </span></span></div> <div id=3D"_x0000_s144387_154_196" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:68.0%;left:15.16%;width:36.32%;height:6.75%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.76%;width:91.75%; height:51.85%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-9.55%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:80%'>$30,000 for one year stay in </span></span><span style=3D'position:absolute;top:44.44%;left:8.76%;width:86.08%;height:51.85= %'><span style=3D'font-size:80%'>nursing home </span></span></div> <div id=3D"_x0000_s144387_196_253" class=3DHB1 style=3D'mso-line-spacing:"= 90 20 0"; position:absolute;top:75.0%;left:15.16%;width:38.76%;height:6.75%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:8.21%;width:81.15%; height:51.85%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-10.11%;top:.3em;font-size:75%'>–</spa= n></span><span style=3D'font-size:80%'>Average stay is one to two 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onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>10</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s146434" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s146434" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 46435" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s146435"> <div id=3D"_x0000_s146435_0_54" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:94.75%;height:11.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.95%;width:96.04%; height:52.17%'><span style=3D'mso-special-format:bullet;position:absolute; left:-4.11%;top:.3em;font-family:Wingdings;font-size:75%'>l</span>Long-term care (LTC) includes the following </span><span style=3D'position:absolute; top:47.82%;left:3.95%;width:82.8%;height:52.17%'>elements: </span></di= v> <div id=3D"_x0000_s146435_54_104" class=3DB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:47.25%;left:15.16%;width:90.26%;height:5.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.52%;width:96.68%; height:100.0%'><span style=3D'mso-special-format:bullet;position:absolute; left:-3.64%;top:.3em;font-size:75%'>–</span>The need for medical, personal or social services </span></div> <div id=3D"_x0000_s146435_104_158" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:52.99%;left:15.16%;width:81.83%;height:10.0%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.1%; height:52.5%'><span style=3D'mso-special-format:bullet;position:absolute; left:-4.04%;top:.3em;font-size:75%'>–</span>The need results from an accident, illness or </span><span style=3D'position:absolute;top:47.5%; left:3.89%;width:90.61%;height:52.5%'>frailty </span></div> <div id=3D"_x0000_s146435_158_245" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:63.75%;left:15.16%;width:84.08%;height:10.0%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.78%;width:96.21%; height:52.5%'><span style=3D'mso-special-format:bullet;position:absolute; left:-3.93%;top:.3em;font-size:75%'>–</span>Services are provided by other paid or unpaid </span><span style=3D'position:absolute;top:47.5%; left:3.78%;width:88.19%;height:52.5%'>persons at home or in a nursing facility </span></div> <div id=3D"_x0000_s146435_245_344" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:74.5%;left:15.16%;width:90.26%;height:10.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.52%;width:96.68%; height:52.5%'><span style=3D'mso-special-format:bullet;position:absolute; left:-3.64%;top:.3em;font-size:75%'>–</span>Services are to assist t= he individual in performing </span><span style=3D'position:absolute;top:47.5%; left:3.52%;width:82.78%;height:52.5%'>the essential activities of daily li= ving (ADL)</span></div> </div> </p:slide></div> <p:animation number=3D"314860587"/><oa:par id=3D"TimeNode0" dur=3D"indefini= te" restart=3D"never" p:nodeType=3D"timingRoot"> <oa:seq id=3D"TimeNode1" dur=3D"indefinite" prev=3D"document.onpptprev" next=3D"document.onpptnext" concurrent=3D"enabled" nextAction=3D"seek" p:nodeType=3D"mainSeq"> <oa:par id=3D"TimeNode2" begin=3D"indefinite" fill=3D"hold"> <oa:par id=3D"TimeNode3" begin=3D"0.0" fill=3D"hold"> <oa:par id=3D"TimeNode4" o:presetID=3D"ppt_2" o:presetClass=3D"entrance" o:presetSubType=3D"0x4" begin=3D"0.0" fill=3D"hold" o:groupID=3D"0" p:nodeType=3D"clickEffect"> <oa:set id=3D"TimeNode5" begin=3D"0.0" dur=3D"0.001" fill=3D"hold" targetElement=3D"_x0000_s146435_0_54" attributeName=3D"style.visibili= ty" to=3D"visible"/> <oa:animate id=3D"TimeNode6" dur=3D"0.5" fill=3D"hold" 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onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>11</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s147458" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s147458" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 47459" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s147459"> <div id=3D"_x0000_s147459_0_9" class=3DB style=3D'mso-line-spacing:"90 20 = 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Coverage <= /span></span></div> <div id=3D"_x0000_s147459_9_77" class=3DB1 style=3D'mso-line-spacing:"90 2= 0 0"; position:absolute;top:40.75%;left:15.16%;width:89.32%;height:8.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.56%;width:96.43%; height:52.94%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.69%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Underwriting depends on the application and a physician’s </span></span><span style=3D'position:absolute;top:47.05= %; left:3.56%;width:83.01%;height:52.94%'><span style=3D'font-size:83%'>state= ment </span></span></div> <div id=3D"_x0000_s147459_77_95" class=3DB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:49.5%;left:15.16%;width:77.34%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Nursing home care </span></span></div> <div id=3D"_x0000_s147459_95_116" class=3DB2 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:54.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Skilled (continuous) </span></span></div> <div id=3D"_x0000_s147459_116_145" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:58.74%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Intermediate (discontinuous) </span></span></div> <div id=3D"_x0000_s147459_145_177" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:63.25%;left:20.22%;width:72.28%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Custodial (assistance with ADL) </span></span></div> <div id=3D"_x0000_s147459_177_192" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:67.75%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Community care </span></span></div> <div id=3D"_x0000_s147459_192_239" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:72.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Home, adult da= y, respite, hospice, therapeutic </span></span></div> <div id=3D"_x0000_s147459_239_308" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:77.0%;left:20.22%;width:80.71%;height:7.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.01%;width:96.98%; height:53.33%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.11%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>Assisted living facilities (ALFs) and continuing care centers </span></span><span style=3D'position:absolute;top:46.66%;left:3.01%;width:86.54%;height:53.33= %'><span style=3D'font-size:90%'>(CCCs)</span></span></div> </div> <v:shapetype id=3D"_x0000_t202" coordsize=3D"21600,21600" o:spt=3D"202" pa= th=3D"m,l,21600r21600,l21600,xe"> <v:stroke joinstyle=3D"miter"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> </v:shapetype><v:shape id=3D"_x0000_s147460" type=3D"#_x0000_t202" style= =3D'position:absolute; left:444pt;top:180pt;width:258pt;height:332.125pt' filled=3D"f" fillcolor= =3D"#3cc [4]" stroked=3D"f" strokecolor=3D"#036 [1]"> <v:fill color2=3D"white [0]"/> <v:shadow color=3D"#669 [2]"/> <v:textbox style=3D'mso-fit-shape-to-text:t'/> <p:animation number=3D"9" delay=3D"0" type=3D"object" effect=3D"cut" direction=3D"noBlack"/></v:shape> <div id=3D"_x0000_s147460_AllText" v:shape=3D"_x0000_s147460" style=3D'pos= ition: absolute;top:34.25%;left:62.73%;width:38.95%;height:60.0%;white-space:nowr= ap'> <div class=3DO1 style=3D'mso-margin-left-alt:576'></div> <div class=3DO2 style=3D'mso-margin-left-alt:864'></div> <div class=3DO3 style=3D'mso-margin-left-alt:1152'></div> <div class=3DO4 style=3D'mso-margin-left-alt:1440'></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:0%;left:0%; width:99.51%;height:6.66%'><span style=3D'font-size:75%'>Activities of dai= ly living (ADL) </span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:10.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>1.</span></span><span style=3D'font-size:75%'>Eating </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:20.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>2.</span></span><span style=3D'font-size:75%'>Bathing </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:30.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>3.</span></span><span style=3D'font-size:75%'>Dressing </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:40.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>4.</span></span><span style=3D'font-size:75%'>Toileting </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:50.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>5.</span></span><span style=3D'font-size:75%'>Continence </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:60.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>6.</span></span><span style=3D'font-size:75%'>Transferring </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0;position:absolute;top:70.0%;left:0%; width:87.5%;height:6.66%'><span style=3D'position:absolute;top:0%;left:14.= 28%; width:85.16%;height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-16.77%= '>7.</span></span><span style=3D'font-size:75%'>Taking medicine </span></span></div> <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:28= 8; mso-char-wrap:0;mso-kinsoku-overflow:0'><span style=3D'position:absolute; top:80.41%;left:0%;width:99.51%;height:6.66%'><span style=3D'font-size:75%= '>The LTC policies require that </span></span><span style=3D'position:absolute; top:87.08%;left:12.5%;width:87.5%;height:6.66%'><span style=3D'font-size:7= 5%'>the insured not be able to </span></span><span style=3D'position:absolute; top:93.75%;left:12.5%;width:87.01%;height:6.66%'><span style=3D'font-size:= 75%'>perform 2 of 5 or 6 ADLs.</span></span></div> </div> </p:slide></div> <p:animation number=3D"-1469048113"/><oa:par id=3D"TimeNode0" dur=3D"indefi= nite" restart=3D"never" p:nodeType=3D"timingRoot"> <oa:seq id=3D"TimeNode1" dur=3D"indefinite" prev=3D"document.onpptprev" next=3D"document.onpptnext" concurrent=3D"enabled" nextAction=3D"seek" p:nodeType=3D"mainSeq"> <oa:par id=3D"TimeNode2" begin=3D"indefinite" fill=3D"hold"> <oa:par id=3D"TimeNode3" begin=3D"0.0" fill=3D"hold"> <oa:par id=3D"TimeNode4" o:presetID=3D"ppt_2" 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colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>4.</fo= nt><font face=3DArial size=3D3>Toileting</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>5.</fo= nt><font face=3DArial size=3D3>Continence</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>6.</fo= nt><font face=3DArial size=3D3>Transferring</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>7.</fo= nt><font face=3DArial size=3D3>Taking medicine</font><br> </td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>The LT= C policies require that the insured not be able to perform 2 of 5 or 6 ADLs.</font><= br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0016.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <link rel=3DOLE-Object-Data href=3Doledata.mso>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0016.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: 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</div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s148482" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s148482" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 48483" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s148483"> <div id=3D"_x0000_s148483_0_9" class=3DHB style=3D'position:absolute;top:3= 5.5%; left:10.11%;width:39.32%;height:5.25%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.52%;width:90.47%;height:100.0%'><= span class=3DHBB style=3D'position:absolute;left:-10.52%;top:.3em'>l</span>Bene= fits </span></div> <div id=3D"_x0000_s148483_9_29" class=3DHB1 style=3D'position:absolute;top= :41.5%; left:15.16%;width:34.45%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%;height:100.0%'><= span class=3DHB1B style=3D'position:absolute;left:-10.17%;top:.3em'>–</sp= an>Elimination period </span></div> <div id=3D"_x0000_s148483_29_71" class=3DHB2 style=3D'position:absolute;to= p:46.75%; left:20.22%;width:29.4%;height:12.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.28%;width:91.71%;height:33.33%'><= span class=3DHB2B style=3D'position:absolute;left:-9.02%;top:.3em'>l</span>0-36= 5 days before </span><span style=3D'position:absolute;top:33.33%;left:8.28%;width= :91.71%; height:33.33%'>benefits become </span><span style=3D'position:absolute; top:66.66%;left:8.28%;width:91.71%;height:33.33%'>payable </span></div> <div id=3D"_x0000_s148483_71_85" class=3DHB1 style=3D'position:absolute;to= p:59.75%; left:15.16%;width:34.45%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%;height:100.0%'><= span class=3DHB1B style=3D'position:absolute;left:-10.17%;top:.3em'>–</sp= an>Daily benefit </span></div> <div id=3D"_x0000_s148483_85_108" class=3DHB2 style=3D'position:absolute;t= op:65.0%; left:20.22%;width:32.2%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:7.55%;width:92.44%;height:100.0%'><= span class=3DHB2B style=3D'position:absolute;left:-8.17%;top:.3em'>l</span>$40-= $250 daily benefit </span></div> <div id=3D"_x0000_s148483_108_124" class=3DHB1 style=3D'position:absolute; top:69.75%;left:15.16%;width:34.45%;height:4.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.76%;height:100.0%'><= span class=3DHB1B style=3D'position:absolute;left:-10.17%;top:.3em'>–</sp= an>Benefit periods </span></div> <div id=3D"_x0000_s148483_124_145" class=3DHB2 style=3D'position:absolute; top:75.0%;left:20.22%;width:29.4%;height:4.0%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:8.28%;width:91.71%;height:100.0%'><= span class=3DHB2B style=3D'position:absolute;left:-9.02%;top:.3em'>l</span>2-5 = years is typical </span></div> <div class=3DHB2 style=3D'position:absolute;top:80.0%;left:20.22%;width:29= .4%; height:4.0%'><span style=3D'position:absolute;top:0%;left:8.28%;width:91.7= 1%; height:100.0%'><span style=3D'visibility:hidden'><span class=3DHB2B style=3D'position:absolute;left:-9.02%'>l</span></span> </span></div> <div id=3D"_x0000_s148483_146_182" class=3DHB2 style=3D'position:absolute; 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<meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0017.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Long-term care insurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"148"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div 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<p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>13</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s151554" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s151554" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 51555" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s151555"> <div id=3D"_x0000_s151555_0_9" class=3DB style=3D'mso-line-spacing:"80 20 = 0"; position:absolute;top:34.75%;left:10.11%;width:82.2%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.longtermcarewiz.com/LTCWiz/basic= s.htm"/><a href=3D"http://www.longtermcarewiz.com/LTCWiz/basics.htm" target=3D"_paren= t" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Contract</a></span><span style=3D'font-size:71%;display:none'> </span></span></div> <div id=3D"_x0000_s151555_9_17" class=3DB1 style=3D'mso-line-spacing:"80 2= 0 0"; position:absolute;top:39.0%;left:15.16%;width:77.34%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Premium </span></span></div> <div id=3D"_x0000_s151555_17_41" class=3DB2 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:43.0%;left:20.22%;width:72.28%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Issue ages, e.= g., 50-84 </span></span></div> <div id=3D"_x0000_s151555_41_77" class=3DB2 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:46.5%;left:20.22%;width:72.28%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Lapse rates (h= igher is better here) </span></span></div> <div id=3D"_x0000_s151555_77_90" class=3DB1 style=3D'mso-line-spacing:"80 = 20 0"; position:absolute;top:50.25%;left:15.16%;width:77.34%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Renewability </span></span></div> <div id=3D"_x0000_s151555_90_101" class=3DB2 style=3D'mso-line-spacing:"80= 20 0"; position:absolute;top:54.25%;left:20.22%;width:72.28%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Guaranteed = ;</span></span></div> <div id=3D"_x0000_s151555_101_132" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:57.75%;left:20.22%;width:72.28%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>Rates revised = on a class basis </span></span></div> <div id=3D"_x0000_s151555_132_147" class=3DB1 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:61.25%;left:15.16%;width:77.34%;height:4.0%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Non-forfeiture </span></span></div> <div id=3D"_x0000_s151555_147_310" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:65.25%;left:20.22%;width:83.14%;height:9.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:2.92%;width:94.14%; height:37.83%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.11%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>This is the op= tion to cease premium payments and take a reduced </span></span><span style=3D'position:absolute;top:32.43%;left:2.92%;width:96.84%;height:37.83= %'><span style=3D'font-size:80%'>paid up policy that provides benefits for a shorter period or receive a </span></span><span style=3D'position:absolute;top:62.= 16%; left:2.92%;width:84.0%;height:37.83%'><span style=3D'font-size:80%'>partial refund of premiums </span></span></div> <div id=3D"_x0000_s151555_310_322" class=3DB1 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:74.5%;left:15.16%;width:77.34%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>Limitations </span></span></div> <div id=3D"_x0000_s151555_322_382" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:78.5%;left:20.22%;width:72.28%;height:3.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:80%'>War, self-infl= icted injury, chemical and alcohol dependency </span></span></div> <div id=3D"_x0000_s151555_382_423" class=3DB2 style=3D'mso-line-spacing:"8= 0 20 0"; position:absolute;top:82.25%;left:20.22%;width:72.28%;height:3.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:80%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; 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11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0018.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Long-term care insurance"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"149"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>14</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s152578" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s152578" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Long-term care insurance</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 52579" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s152579"> <div id=3D"_x0000_s152579_0_19" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Contract continued </span></span></div> <div id=3D"_x0000_s152579_19_34" class=3DB1 style=3D'mso-line-spacing:"90 = 20 0"; position:absolute;top:40.75%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Non-forfeiture </span></span></div> <div id=3D"_x0000_s152579_34_197" class=3DB2 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:45.5%;left:20.22%;width:79.02%;height:11.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.08%;width:96.44%; height:35.55%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.19%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>This is the op= tion to cease premium payments and take a </span></span><span style=3D'position= :absolute; top:31.11%;left:3.08%;width:96.91%;height:35.55%'><span style=3D'font-size= :90%'>reduced paid up policy that provides benefits for a shorter </span></span><span style=3D'position:absolute;top:64.44%;left:3.08%;width:88.38%;height:35.55= %'><span style=3D'font-size:90%'>period or receive a partial refund of premiums = ;</span></span></div> <div id=3D"_x0000_s152579_197_209" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:57.25%;left:15.16%;width:77.34%;height:4.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>Limitations </span></span></div> <div id=3D"_x0000_s152579_209_269" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:62.0%;left:20.22%;width:80.52%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.02%;width:96.97%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.11%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>War, self-infl= icted injury, chemical and alcohol dependency </span></span></div> <div id=3D"_x0000_s152579_269_310" class=3DB2 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:66.5%;left:20.22%;width:72.28%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.63%; height:100.0%'><span style=3D'font-size:90%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.48%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:90%'>There are pre-existing condition clauses </span></span></div> <div id=3D"_x0000_s152579_310_321" class=3DB style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:71.0%;left:10.11%;width:82.2%;height:5.25%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:86%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:86%'>Regulation = ;</span></span></div> <div id=3D"_x0000_s152579_321_395" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:76.75%;left:15.16%;width:81.64%;height:8.5%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:3.89%;width:96.1%; height:52.94%'><span style=3D'font-size:83%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.05%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:83%'>The </span><span style=3D'font-size:83%'><u><p:onm= ouseclick hyperlinktype=3D"url" href=3D"http://www.naic.org/index.htm"/><a href=3D"http://www.naic.org/index.htm" target=3D"_parent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= NAIC</a></u></span><span style=3D'font-size:83%'><span style=3D'mso-spacerun:yes'> </span>wrot= e the model legislation, i.e., </span><span style=3D'font-size:83%'><u><p:onmous= eclick hyperlinktype=3D"url" href=3D"http://www.naic.org/models_papers/models/mo= dels.htm"/><a href=3D"http://www.naic.org/models_papers/models/models.htm" target=3D"_pa= rent" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= Long-term </a></u></span></span><span style=3D'position:absolute;top:47.05%;left:3.89%;width:90.82%;height:52.94= %'><span style=3D'font-size:83%'><u><p:onmouseclick hyperlinktype=3D"url" href=3D"http://www.naic.org/models_papers/models/models.htm"/><a href=3D"http://www.naic.org/models_papers/models/models.htm" target=3D"_pa= rent" onclick=3D"window.event.cancelBubble=3Dtrue;">insurance model act</a></u><= /span><span style=3D'font-size:83%;mso-special-format:lastCR;display:none'><u> </u= ></span></span></div> </div> </p:slide></div> <p:animation 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<head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0019.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Disability"> <link rel=3DStylesheet href=3D"master08_stylesheet.css"> <![if !ppt]> <style media=3Dprint>  </style> <script src=3Dscript.js></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"152"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>15</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s155650" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape><p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s155651" type= =3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;width:605.75pt;height:293.= 25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s155650" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Disability</div> <div v:shape=3D"_x0000_s155651"> <div class=3DB style=3D'position:absolute;top:35.5%;left:10.11%;width:82.2= %; height:5.25%'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.= 44%; height:100.0%'><span style=3D'font-size:86%'><span class=3DBB style=3D'pos= ition: absolute;left:-4.77%;top:.3em'>l</span></span><span style=3D'font-size:86%= '>Definition </span></span></div> <div class=3DB1><span style=3D'position:absolute;top:41.5%;left:18.35%;wid= th:85.58%; height:4.5%'><span style=3D'font-size:83%'><span class=3DB1B style=3D'posi= tion:absolute; left:-3.71%;top:.3em'>–</span></span><span style=3D'font-size:83%'>A person is disabled if she cannot fully or partially perform </span></span>= <span style=3D'position:absolute;top:46.0%;left:18.35%;width:74.15%;height:4.5%'= ><span style=3D'font-size:83%'>certain occupational tasks </span></span></div> <div class=3DB1 style=3D'position:absolute;top:51.25%;left:15.16%;width:77= .34%; height:4.5%'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.8= 8%; height:100.0%'><span style=3D'font-size:83%'><span class=3DB1B style=3D'po= sition: absolute;left:-4.29%;top:.3em'>–</span></span><span style=3D'font-si= ze: 83%'>Disability is defined in two different ways. </span></span></div> <div class=3DB2 style=3D'position:absolute;top:56.5%;left:20.22%;width:72.= 28%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.6= 3%; height:100.0%'><span style=3D'font-size:90%'><span class=3DB2B style=3D'po= sition: absolute;left:-3.48%;top:.3em'>l</span></span><span style=3D'font-size:90%= '>Own occupation </span></span></div> <div class=3DB2 style=3D'position:absolute;top:61.5%;left:20.22%;width:72.= 28%; height:4.0%'><span style=3D'position:absolute;top:0%;left:3.36%;width:96.6= 3%; height:100.0%'><span style=3D'font-size:90%'><span class=3DB2B style=3D'po= sition: absolute;left:-3.48%;top:.3em'>l</span></span><span style=3D'font-size:90%= '>Any gainful occupation </span></span></div> <div class=3DB2><span style=3D'position:absolute;top:66.25%;left:22.65%; width:76.21%;height:4.0%'><span style=3D'font-size:90%'><span class=3DB2B style=3D'position:absolute;left:-3.19%;top:.3em'>l</span></span><span style=3D'font-size:90%'>Both notions may be used for different time period= s in the </span></span><span style=3D'position:absolute;top:70.25%;left:22.65%; width:69.85%;height:4.0%'><span style=3D'font-size:90%'>same contract = </span></span></div> <div class=3DB><span style=3D'position:absolute;top:75.25%;left:13.85%;wid= th:80.71%; height:5.25%'><span style=3D'font-size:86%'><span class=3DBB style=3D'posi= tion:absolute; left:-4.64%;top:.3em'>l</span></span><span style=3D'font-size:86%'>Only on= e in four workers has private disability </span></span><span style=3D'position:= absolute; top:80.75%;left:13.85%;width:78.46%;height:5.25%'><span style=3D'font-size= :86%'>insurance in the United States</span></span></div> </div> </p:slide></div> <![if !ppt]> <div id=3DNotesObj style=3D'display:none'> <table style=3D'color:white' border=3D0 width=3D"100%"> <tr> <td width=3D5 nowrap></td> <td width=3D"100%"></td> </tr> <tr> <td colspan=3D1></td> <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>The ow= n occupation that in which the insured is engaged at the time the disability occurs.</= font><br> </td> </tr> </table> </div> <![endif]> </body> </html> ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/slide0021.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <link rel=3DOLE-Object-Data href=3Doledata.mso>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0021.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Probability comparisons"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style media=3Dprint>  </style> <style>  </style> <script src=3Dscript.js></script><script></script><script></script><![endif]><p:slidetransition advancetime=3D"0" effect=3D"newsflash" flag=3D"1"/><o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"155"/> </o:shapelayout> </head> <body lang=3DEN-US style=3D'margin:0px;background-color:black' onclick=3D"DocumentOnClick()" onresize=3D"_RSW()" onload=3D"LoadSld()" onkeypress=3D"_KPH()" oa:clockstart=3D"onstart"> <div id=3DSlideObj class=3Dsld style=3D'position:absolute;top:0px;left:0px; width:534px;height:400px;font-size:16px;background-color:white;clip:rect(0%= , 101%, 101%, 0%); visibility:hidden'><p:slide coordsize=3D"720,540" colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>16</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s158724" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s158724" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Probability comparisons</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 58725" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:296.875pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1" size=3D"half"/><p:animation n= umber=3D"2" delay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/= ></v:shape> <div v:shape=3D"_x0000_s158725" class=3DHB> <div id=3D"_x0000_s158725_0_126" style=3D'mso-line-spacing:"90 20 0";posit= ion: absolute;top:35.0%;left:10.11%;width:46.25%;height:29.25%;white-space:nowr= ap'><span style=3D'position:absolute;top:0%;left:8.09%;width:78.13%;height:17.94%'><= span style=3D'mso-special-format:bullet;position:absolute;left:-10.36%;top:.3em; font-family:Wingdings;font-size:75%'>l</span>The chart shows the </span><s= pan style=3D'position:absolute;top:16.23%;left:8.09%;width:91.9%;height:17.94%= '>probabilities of disability </span><span style=3D'position:absolute;top:32.47%;left:8.09= %; width:79.75%;height:17.94%'>for 90 days or longer </span><span style=3D'position:absolute;top:48.71%;left:8.09%;width:80.97%;height:17.94= %'>and the probability of </span><span style=3D'position:absolute;top:64.95%; left:8.09%;width:76.92%;height:17.94%'>death all prior to the </span><span style=3D'position:absolute;top:82.05%;left:8.09%;width:76.92%;height:17.94= %'>age of 65 </span></div> <div 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colors=3D"#ffffff,#003366,#666699,#006666,#33cccc,#99cc99,#003366,#cc99ff" masterhref=3D"master08.xml"> <p:shaperange href=3D"master08.xml#_x0000_s1025"/><![if !ppt]><p:shaperange href=3D"master08.xml#_x0000_s1052"/><![if !vml]><img border=3D0 v:shapes=3D"_x0000_s1052,_x0000_s1027,_x0000_s1048,_x0000_s1036,_x0000_s10= 44" src=3D"master08_image003.gif" style=3D'position:absolute;top:0%;left:0%; width:83.7%;height:100.5%'><![endif]><p:shaperange href=3D"master08.xml#_x0000_s1038"/> <div v:shape=3D"_x0000_s1038" class=3DO style=3D'text-align:center;positio= n:absolute; top:95.25%;left:64.41%;width:29.77%;height:2.25%'><span style=3D'font-size= :42%; mso-field-code:meta15'>MacMinn</span><span style=3D'font-size:42%;mso-spec= ial-format: lastCR;display:none'> </span></div> <p:shaperange href=3D"master08.xml#_x0000_s1039"/> <div v:shape=3D"_x0000_s1039" class=3DO> <div style=3D'position:absolute;top:95.5%;left:3.37%;width:3.18%;height:2.= 25%'><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-field-code:meta16= '><b>18</b></span><span style=3D'font-size:42%;color:white;mso-color-index:0;mso-special-format:la= stCR; display:none'><b> </b></span></div> </div> <![endif]><p:shaperange href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s156674" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s156674" class=3DT style=3D'position:absolute;top:1= 8.75%; left:10.11%;width:83.33%;height:7.75%'>Disability benefit provisions</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s1= 56675" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s156675"> <div id=3D"_x0000_s156675_0_23" class=3DB style=3D'mso-line-spacing:"90 20= 0"; position:absolute;top:35.0%;left:10.11%;width:82.2%;height:4.5%;white-spac= e: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'>The elimination period </span></span></div> <div id=3D"_x0000_s156675_23_105" class=3DB1 style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:39.75%;left:15.16%;width:84.83%;height:3.25%;white-s= pace: nowrap'><span style=3D'position:absolute;top:0%;left:3.75%;width:96.24%; height:100.0%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.89%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>The time period before the first benefit payment, = e.g. 30, 60 , 90, 180, 365 days </span></span></div> <div id=3D"_x0000_s156675_105_130" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:43.0%;left:15.16%;width:77.34%;height:3.25%;white-sp= ace: nowrap'><span style=3D'position:absolute;top:0%;left:4.11%;width:95.88%; height:100.0%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.29%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>The is like a deductible </span></span></div> <div id=3D"_x0000_s156675_130_149" class=3DB style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:46.75%;left:10.11%;width:82.2%;height:4.5%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'>The benefit period </span></span></div> <div id=3D"_x0000_s156675_149_249" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:51.5%;left:15.16%;width:91.76%;height:6.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:3.46%;width:96.53%; height:54.16%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.59%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>The time period for which benefits will be paid, e= .g., two years, five years, to age 65 or </span></span><span style=3D'position:= absolute; top:45.83%;left:3.46%;width:80.81%;height:54.16%'><span style=3D'font-size= :58%'>for life </span></span></div> <div id=3D"_x0000_s156675_249_385" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:57.5%;left:15.16%;width:88.2%;height:6.0%;white-spac= e: nowrap'><span style=3D'position:absolute;top:0%;left:3.6%;width:96.6%; height:54.16%'><span style=3D'font-size:58%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-3.73%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:58%'>98% of disabled recover in less than a year.<span style=3D'mso-spacerun:yes'> </span>If disability last more than a ye= ar then </span></span><span style=3D'position:absolute;top:50.0%;left:3.6%; width:84.07%;height:54.16%'><span style=3D'font-size:58%'>the probability = of recovery diminishes markedly. </span></span></div> <div id=3D"_x0000_s156675_385_407" class=3DB style=3D'mso-line-spacing:"90= 20 0"; position:absolute;top:64.0%;left:10.11%;width:82.2%;height:4.5%;white-spac= e: nowrap'><span style=3D'position:absolute;top:0%;left:4.55%;width:95.44%; height:100.0%'><span style=3D'font-size:71%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.77%;top:.3em;font-family:Wingdings; font-size:75%'>l</span></span><span style=3D'font-size:71%'>The monthly indemnity </span></span></div> <div id=3D"_x0000_s156675_407_463" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:69.0%;left:15.16%;width:79.02%;height:4.0%;white-spa= ce: nowrap'><span style=3D'position:absolute;top:0%;left:4.02%;width:95.97%; height:100.0%'><span style=3D'font-size:75%'><span style=3D'mso-special-fo= rmat: bullet;position:absolute;left:-4.19%;top:.3em;font-size:75%'>–</span= ></span><span style=3D'font-size:75%'>The payment is almost always a fixed monthly indemnity. </span></span></div> <div id=3D"_x0000_s156675_463_661" class=3DB1 style=3D'mso-line-spacing:"9= 0 20 0"; position:absolute;top:73.25%;left:15.16%;width:90.63%;height:14.75%; white-space:nowrap'><span style=3D'position:absolute;top:0%;left:3.51%; width:89.87%;height:27.11%'><span style=3D'font-size:75%'><span style=3D'mso-special-format:bullet;position:absolute;left:-3.9%;top:.3em; font-size:75%'>–</span></span><span style=3D'font-size:75%'>The paym= ents are limited to no more than 85% of the insured </span></span><span style=3D'position:absolute;top:25.42%;left:3.51%;width:96.48%;height:27.11= %'><span style=3D'font-size:75%'>earned income; this is for low income individuals = and is graduated </span></span><span style=3D'position:absolute;top:49.15%;left:3= .51%; width:94.0%;height:27.11%'><span style=3D'font-size:75%'>to 65% for higher income insureds.<span style=3D'mso-spacerun:yes'> </span>How does th= is handle moral </span></span><span style=3D'position:absolute;top:74.57%; left:3.51%;width:81.81%;height:27.11%'><span style=3D'font-size:75%'>hazar= d?</span></span></div> </div> </p:slide></div> <p:animation number=3D"314860587"/><oa:par id=3D"TimeNode0" dur=3D"indefini= te" restart=3D"never" p:nodeType=3D"timingRoot"> <oa:seq id=3D"TimeNode1" dur=3D"indefinite" 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Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:schemas-microsoft-com:office:office" xmlns:p=3D"urn:schemas-microsoft-com:office:powerpoint" xmlns:oa=3D"urn:schemas-microsoft-com:office:activation" xmlns=3D"http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf>  <title>Economic Security and the Economics of Life and Health Insurance</ti= tle> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\slide0004.htm" id=3D"webarch_temp_base_tag"> <![endif]> <meta name=3DDescription content=3D"3/20/2006: Questions"> <link rel=3DStylesheet href=3D"master08_stylesheet.css">  <![if !ppt]> <style 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href=3D"master08.xml#_x0000_m1031"/><v:shape id=3D= "_x0000_s72706" type=3D"#_x0000_m1031" style=3D'position:absolute;left:60pt;top:60pt;widt= h:624pt; height:90pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"title"/></v:shape> <div v:shape=3D"_x0000_s72706" class=3DT style=3D'position:absolute;top:18= .75%; left:10.11%;width:83.33%;height:7.75%'>Questions</div> <p:shaperange href=3D"master08.xml#_x0000_m1032"/><v:shape id=3D"_x0000_s7= 2707" type=3D"#_x0000_m1032" style=3D'position:absolute;left:66pt;top:186pt;wid= th:605.75pt; height:293.25pt' o:userdrawn=3D"f"> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/><p:animation number=3D"2" de= lay=3D"0" type=3D"text" level=3D"1" effect=3D"fly" direction=3D"down"/></v:shape> <div v:shape=3D"_x0000_s72707" class=3DB> <div 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with resp= ect to underwriting </a></span></span><span style=3D'position:absolute;top:49.41%; left:4.04%;width:84.81%;height:24.7%'><span style=3D'font-size:86%'><p:onm= ouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">practices, the impact of adv= erse selection, </a></span></span><span style=3D'position:absolute;top:74.11%; left:4.04%;width:88.46%;height:24.7%'><span style=3D'font-size:86%'><p:onm= ouseclick hyperlinktype=3D"slideNumber" location=3D"260,3,Individual versus group health insurance"/><a href=3D"javascript:parent.GoToSld('slide0005.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">administrative costs and the benefits available</a></span><span style=3D'font-size:86%;display:none'>&#= 13;</span></span></div> <div id=3D"_x0000_s72707_189_275" style=3D'position:absolute;top:57.75%; left:10.11%;width:82.58%;height:10.5%;white-space:nowrap'><span style=3D'position:absolute;top:0%;left:4.53%;width:95.46%;height:50.0%'><s= pan style=3D'font-size:86%'><span class=3DBB style=3D'position:absolute;left:-= 4.75%; top:.3em'>l</span></span><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"266,6,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0011.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= How is health insurance a more complicated </a></span></span><span style=3D'posit= ion: absolute;top:50.0%;left:4.53%;width:95.01%;height:50.0%'><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"266,6,Individual medical expense insurance"/><a href=3D"javascript:parent.GoToSld('slide0011.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">contractual agreement than l= ife insurance?</a></span><span style=3D'font-size:86%;display:none'> </spa= n></span></div> <div id=3D"_x0000_s72707_275_396" style=3D'position:absolute;top:69.5%;lef= t:10.11%; width:94.94%;height:15.75%;white-space:nowrap'><span style=3D'position:abs= olute; top:0%;left:3.94%;width:96.05%;height:33.33%'><span style=3D'font-size:86%= '><span class=3DBB style=3D'position:absolute;left:-4.1%;top:.3em'>l</span></span>= <span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"268,9,Long-term care insurance"/><a href=3D"javascript:parent.GoToSld('slide0013.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;" style=3D'position:relative'>= How have changing demographics, social customs, </a></span></span><span style=3D'position:absolute;top:33.33%;left:3.94%;width:90.13%;height:33.33= %'><span style=3D'font-size:86%'><p:onmouseclick hyperlinktype=3D"slideNumber" location=3D"268,9,Long-term care insurance"/><a href=3D"javascript:parent.GoToSld('slide0013.htm');" onclick=3D"window.event.cancelBubble=3Dtrue;">and medical 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style=3D'position:absolute;left:54pt;top:341pt;width:= 6in; height:323pt' coordsize=3D"21600,21600" o:master=3D"" o:spt=3D"1" path=3D"= m,l,21600r21600,l21600,xe" filled=3D"f" fillcolor=3D"#bbe0e3 [4]" stroked=3D"f" strokecolor=3D"black = [1]"> <v:fill color2=3D"white [0]" o:detectmouseclick=3D"t"/> <v:stroke joinstyle=3D"miter" o:forcedash=3D"t"/> <v:shadow color=3D"gray [2]"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> <o:lock v:ext=3D"edit" grouping=3D"t"/> <p:placeholder type=3D"body" position=3D"3" size=3D"quarter"/></v:shapetyp= e> <div v:shape=3D"_x0000_m96261"> <div class=3DN>Click to edit Master text styles </div> <div class=3DN1>Second level </div> <div class=3DN2>Third level </div> <div class=3DN3>Fourth level </div> <div class=3DN4>Fifth level</div> </div> <v:shapetype id=3D"_x0000_s96262" style=3D'position:absolute;left:0;top:681= .875pt; width:234pt;height:35.875pt;v-text-anchor:bottom' coordsize=3D"21600,21600" o:master=3D"" o:spt=3D"1" path=3D"m,l,21600r21600,l21600,xe" filled=3D"f" = fillcolor=3D"#bbe0e3 [4]" stroked=3D"f" strokecolor=3D"black [1]"> <v:fill color2=3D"white [0]" o:detectmouseclick=3D"t"/> <v:stroke joinstyle=3D"miter" o:forcedash=3D"t"/> <v:shadow color=3D"gray [2]"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> <o:lock v:ext=3D"edit" grouping=3D"t"/> <p:placeholder type=3D"footer" position=3D"4" size=3D"quarter"/></v:shapet= ype> <div v:shape=3D"_x0000_s96262" class=3DO><span style=3D'font-size:50%;mso-f= ield-code: meta15'>‹footer›</span><span style=3D'font-size:50%;mso-special= -format: lastCR'> </span></div> <v:shapetype id=3D"_x0000_s96263" style=3D'position:absolute;left:305.875pt= ;top:681.875pt; width:234pt;height:35.875pt;v-text-anchor:bottom' coordsize=3D"21600,21600" o:master=3D"" o:spt=3D"1" path=3D"m,l,21600r21600,l21600,xe" filled=3D"f" = fillcolor=3D"#bbe0e3 [4]" stroked=3D"f" strokecolor=3D"black [1]"> <v:fill color2=3D"white [0]" o:detectmouseclick=3D"t"/> <v:stroke joinstyle=3D"miter" o:forcedash=3D"t"/> <v:shadow color=3D"gray [2]"/> <v:path gradientshapeok=3D"t" o:connecttype=3D"rect"/> <o:lock v:ext=3D"edit" grouping=3D"t"/> <p:placeholder type=3D"slideNumber" position=3D"5" size=3D"quarter"/></v:s= hapetype> <div v:shape=3D"_x0000_s96263" class=3DO style=3D'text-align:right'><span style=3D'font-size:50%;mso-field-code:meta16'>‹#›</span><span style=3D'font-size:50%;mso-special-format:lastCR'> </span></div> <p:notes id=3D"1" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"112"/> </o:shapelayout><v:shape id=3D"_x0000_s114690" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1146= 91" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape></p:notes><p:notes= id=3D"2" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"116"/> </o:shapelayout><v:shape id=3D"_x0000_s118786" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1187= 87" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape></p:notes><p:notes= id=3D"11" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"136"/> </o:shapelayout><v:shape id=3D"_x0000_s139266" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1392= 67" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s139267" class=3DN> <div> </div> Go to eHealthInsurance.com and note the care provisions of the various pro= viders.<span style=3D'mso-spacerun:yes'> </span>Get quotes for three policies and= run a comparison.<span style=3D'mso-spacerun:yes'> </span>Note the deducti= ble, coinsurance, out-of-pocket cap if any, and any other maximums.<span style=3D'mso-spacerun:yes'> </span>Connect to LiveMath and run some calculations on the cost to the policyholder.</div> </p:notes><p:notes id=3D"10" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"150"/> </o:shapelayout><v:shape id=3D"_x0000_s153602" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1536= 03" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s153603" class=3DN> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'layout-flow:horizontal'>The wraparound provides benefits= that cover deductibles and coinsurance and </span><span style=3D'layout-flow:ho= rizontal'>may be designed to continue to pay benefits for hospital and nursing home </sp= an><span style=3D'layout-flow:horizontal'>confinements after Medicare is exhausted.= </span></div> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'layout-flow:horizontal'> </span></div> <div style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:0;mso-kinsoku-over= flow: 0'><span style=3D'layout-flow:horizontal'>The supplement is like the wrapa= round except it generally has significantly </span><span style=3D'layout-flow:ho= rizontal'>higher maximum benefit limits or is unlimited with respect to the duration of </s= pan><span style=3D'layout-flow:horizontal'>confinement. </span></div> <div><span style=3D'mso-special-format:lastCR'> </span></div> </div> </p:notes><p:notes id=3D"15" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"151"/> </o:shapelayout><v:shape id=3D"_x0000_s154626" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1546= 27" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s154627"> <div class=3DN1 style=3D'mso-margin-left-alt:432'></div> <div class=3DN2 style=3D'mso-margin-left-alt:720'></div> <div class=3DN3 style=3D'mso-margin-left-alt:1008'></div> <div class=3DN4 style=3D'mso-margin-left-alt:1296'></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'>Activities of daily living (ADL) </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >1.</span></span><span style=3D'layout-flow:horizontal'>Eating </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >2.</span></span><span style=3D'layout-flow:horizontal'>Bathing </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >3.</span></span><span style=3D'layout-flow:horizontal'>Dressing </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >4.</span></span><span style=3D'layout-flow:horizontal'>Toileting </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >5.</span></span><span style=3D'layout-flow:horizontal'>Continence </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >6.</span></span><span style=3D'layout-flow:horizontal'>Transferring </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'><span style=3D'mso-special-format:"numbullet3\,1";position:absolute;left:-4.29%'= >7.</span></span><span style=3D'layout-flow:horizontal'>Taking medicine </span></div> <div class=3DN style=3D'mso-margin-left-alt:144'><span style=3D'layout-flo= w:horizontal'>The LTC policies require that the insured not be able to perform 2 of 5 or 6 <= /span><span style=3D'layout-flow:horizontal'>ADLs.</span></div> </div> </p:notes><p:notes id=3D"19" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"154"/> </o:shapelayout><v:shape id=3D"_x0000_s157698" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1576= 99" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s157699" class=3DN>The own occupation that in which= the insured is engaged at the time the disability occurs.</div> </p:notes><p:notes id=3D"21" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"159"/> </o:shapelayout><v:shape id=3D"_x0000_s162818" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1628= 19" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s162819" class=3DN>The source of the chart is the 1= 980 CSO mortality table and the 1985 Commissioners Disability Table</div> </p:notes><p:notes id=3D"22" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> <o:idmap v:ext=3D"edit" data=3D"160"/> </o:shapelayout><v:shape id=3D"_x0000_s163842" type=3D"#_x0000_m96260" sty= le=3D'position:absolute; left:90.625pt;top:53.875pt;width:358.875pt;height:269.125pt'> <v:fill o:detectmouseclick=3D"t"/> <v:stroke o:forcedash=3D"t"/> <o:lock v:ext=3D"edit" text=3D"t"/> <p:placeholder type=3D"slideImage"/></v:shape><v:shape id=3D"_x0000_s1638= 43" type=3D"#_x0000_m96261" style=3D'position:absolute;left:54pt;top:341pt;wi= dth:6in; height:323pt'> <v:fill o:detectmouseclick=3D"f"/> <v:stroke o:forcedash=3D"f"/> <o:lock v:ext=3D"edit" text=3D"f"/> <p:placeholder type=3D"body" position=3D"1"/></v:shape> <div v:shape=3D"_x0000_s163843" class=3DN>The source of the chart is the 1= 985 Commissioners Disability Table.</div> </p:notes><p:notes id=3D"4" layout=3D"notes" slots=3D"slideImage,body"> <o:shapelayout v:ext=3D"edit"> 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application/javascript; charset="us-ascii" function LoadSld() { var sld=3DGetObj("SlideObj") if( !g_supportsPPTHTML ) { =09 sld.style.visibility=3D"visible" return } if( MakeNotesVis() ) return runAnimations =3D _InitAnimations(); =09 if( IsWin("PPTSld") ) parent.SldUpdated(GetSldId()) g_origSz=3DparseInt(SlideObj.style.fontSize) g_origH=3Dsld.style.posHeight g_origW=3Dsld.style.posWidth g_scaleHyperlinks=3D(document.all.tags("AREA").length>0) if( g_scaleHyperlinks ) InitHLinkArray() if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) ) document.body.scroll=3D"no" _RSW() if( IsWin("PPTSld") && parent.IsFullScrMode() ) FullScrInit(); =09 MakeSldVis(); ChkAutoAdv() if( runAnimations ) { if( document.all("NSPlay") ) document.all("NSPlay").autoStart =3D false; if( sld.filters && sld.filters.revealtrans ) setTimeout( "document.body.start()", sld.filters.revealtrans.duration * = 1000 ); else document.body.start(); } } function MakeSldVis()=20 { var fTrans=3Dg_showAnimation && SldHasTrans() if( fTrans )=09 { if( g_bgSound ) { idx=3Dg_bgSound.indexOf(","); pptSound.src=3Dg_bgSound.substr( 0, idx ); pptSound.loop=3D -(parseInt(g_bgSound.substr(idx+1))); } SlideObj.filters.revealtrans.Apply()=09 } SlideObj.style.visibility=3D"visible" if( fTrans ) SlideObj.filters.revealtrans.Play() } function MakeNotesVis()=20 { if( !IsNts() ) return false=20 SlideObj.style.display=3D"none" nObj =3D document.all.item("NotesObj") parent.SetHasNts(0) if( nObj ) {=20 nObj.style.display=3D"" parent.SetHasNts(1) } return 1 } function ChkAutoAdv() { if(SldHasTrans()) SlideObj.onfilterchange=3DAutoAdv else AutoAdv() } function AutoAdv() { if(!IsWin("PPTSld") || !gUseSldTimings )return var sld=3DGetCurSld() if( (sld.mAdvDelay>0) && !parent.IsFramesMode() ) setTimeout("parent.GoToNextSld()",sld.mAdvDelay) } function GetObj(id) { if(g_supportsPPTHTML) return document.all(id); else return document.getElementById(id); } function SldHasTrans() { return SlideObj.style.filter !=3D ""; } function GetSldId()=20 { var regExp =3D /file:\/\/\//i var pos =3D location.href.search(regExp) if (MHTMLPrefix !=3D "" && pos !=3D -1) sId =3D location.href.substring(pos) else { sId =3D RemoveFilePrefixFromHref(location.href); var regExp =3D /\// var fixedHref =3D sId var pos =3D -1 =09 pos =3D fixedHref.search(regExp) while (pos !=3D -1) { fixedHref =3D fixedHref.replace(regExp, "\\") pos =3D fixedHref.search(regExp) } =09 if (g_fBaseHyperlink =3D=3D true) sId =3D "file:///" + fixedHref; else sId =3D fixedHref.substring(fixedHref.lastIndexOf('\\') + 1) } =09 return sId } function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx= tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl= e.display=3D'none'; return true } return false } function IsWin( name ) { return window.name =3D=3D name } function IsNts() { return IsWin("PPTNts") } function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) } function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"= && navigator.appVersion.indexOf("Windows")>0 ) } function SupportsPPTHTML() { var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0 if( msie >=3D 0 ) ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) ) else ver=3DparseInt(appVer) return( ver >=3D 4 && msie >=3D 0 ) } function _RSW() { if( !g_supportsPPTHTML || IsNts() || ( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) ) return var padding=3D0; if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6 cltWidth=3Ddocument.body.clientWidth-padding cltHeight=3Ddocument.body.clientHeight-padding factor=3D(1.0*cltWidth)/g_origW if( cltHeight < g_origH*factor ) factor=3D(1.0*cltHeight)/g_origH newSize =3D g_origSz * factor if( newSize < 1 ) newSize=3D1 s=3DSlideObj.style s.fontSize=3DnewSize+"px" s.posWidth=3Dg_origW*factor s.posHeight=3Dg_origH*factor s.posLeft=3D(cltWidth-s.posWidth+padding)/2 s.posTop=3D(cltHeight-s.posHeight+padding)/2 if( g_scaleHyperlinks ) ScaleHyperlinks( factor ) } function _InitAnimations() { animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined'; isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode(); g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc= reen && parent.IsSldVisited()); if( g_animUseRuntime ) { collSeq =3D document.all.tags("seq"); if( collSeq !=3D null ) { for(ii=3D0;ii<collSeq.length;ii++) { if( collSeq[ii].getAttribute( "p:nodeType" ) =3D=3D "mainSeq" ) { g_animMainSequence =3D collSeq[ii]; break; } } } =09 if( g_animItemsToHide && document.body.playAnimations !=3D false ) { for(jj =3D 0; jj < g_animItemsToHide.length; jj++) { if( hideObj =3D GetObj(g_animItemsToHide[jj]) ) hideObj.runtimeStyle.visibility=3D"hidden"; } } if( g_animInteractiveItems ){ for(jj =3D 0; jj < g_animInteractiveItems.length; jj++) { if( triggerObj =3D GetObj(g_animInteractiveItems[jj]) ) triggerObj.runtimeStyle.cursor=3D"hand"; } } =09 if( gUseSldTimings && ''+g_animSlideTime !=3D 'undefined' ) { adjustedTime =3D document.body.calculateAutoAdvanceTimes( g_animSlideTim= e, g_animEffectTimings ); if( IsWin("PPTSld") && adjustedTime !=3D g_animSlideTime ) { var sld =3D GetCurSld(); sld.mAdvDelay =3D adjustedTime * 1000; } } } return g_animUseRuntime; } gSldJump =3D 0, gSldJumpTrack =3D 0, gSldJumpIdx =3D ""; function _KPH() {=20 if( IsNts() ) return; if( !parent.IsFramesMode() && event.keyCode =3D=3D 27 && !HideMenu() ) parent.window.close( self ); else if( event.keyCode =3D=3D 32 ) { if( window.name =3D=3D "PPTSld" ) parent.PPTSld.DocumentOnClick(); else parent.GoToNextSld(); } CatchNumKeys( parent, event ); } function CatchNumKeys( win, event ) { if( win.IsFullScrMode() && (48<=3Devent.keyCode) && (event.keyCode<=3D57) = ) { gSldJump =3D 1; gSldJumpIdx +=3D (event.keyCode-48).toString(); } if( win.IsFullScrMode() && gSldJump && event.keyCode =3D=3D 13 ) { var numSlds =3D parent.GetSldList().mList.length if ( gSldJumpIdx > numSlds ) gSldJumpIdx =3D numSlds; if ( gSldJumpIdx >=3D 0 ) { if ( gSldJumpIdx =3D=3D 0 ) gSldJumpIdx =3D 1; var jumpTo =3D parseInt(gSldJumpIdx); gSldJump =3D 0; gSldJumpIdx =3D ""; win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref ) } } } function _KDH() { if( event.keyCode =3D=3D 8 ) { event.returnValue =3D 0; parent.GoToPrevSld(); } } var g_HLinkArray =3D new Array(); =20 function IMapAreaObj( areaObj, coords ) { this.areaObj =3D areaObj; this.coords =3D coords; } function InitHLinkArray() { var appVer =3D navigator.appVersion; var msie =3D appVer.indexOf ( "MSIE " ) var ver =3D 0; if ( msie >=3D 0 ) ver =3D parseInt ( appVer.substring( msie+5 ) ); linkNum =3D 0; for (i=3D0; i<document.all.tags("AREA").length; i++) { areaObj =3D document.all.tags("AREA").item(i); if( ( areaObj.id !=3D "pptxscale" ) || ( ver > 4 ) ) g_HLinkArray[linkNum++] =3D new IMapAreaObj( areaObj, ParseCoords( ar= eaObj.coords ) ); } } function ScaleHyperlinks( factor ) { =20 for ( ii=3D0; ii< g_HLinkArray.length; ii++) { coordsStr=3D""; imaObj =3D g_HLinkArray[ii]; for ( jj=3D0; jj < imaObj.coords.length-1; jj++ ) coordsStr +=3D (imaObj.coords[jj]*factor) + ","; coordsStr +=3D (imaObj.coords[jj]*factor); imaObj.areaObj.coords =3D coordsStr; } } function ParseCoords( coordsStr ) { var numArray =3D new Array(); var i =3D curPos =3D commaPos =3D 0; while ( ( commaPos =3D coordsStr.indexOf(",", curPos) ) !=3D -1 ) {=20 numArray[i++] =3D parseInt( coordsStr.substr( curPos, commaPos ) ); curPos =3D commaPos + 1; } numArray[i] =3D parseInt( coordsStr.substr( curPos ) ); return numArray; } function DocumentOnClick() { if( IsNts() || parent.HideMenu() ) return; if( ( g_allowAdvOnClick && (window.name=3D=3D"PPTSld") && !parent.IsFrames= Mode() ) || (event && event.keyCode=3D=3D32) ) { =09 if( g_animUseRuntime && g_animMainSequence && g_animMainSequence.cangonex= t ) return; parent.GoToNextSld(); } } var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""= , g_bgSound=3D"", g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser = =3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1; var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w= indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va= r g_animManager =3D null; var g_animUseRuntime =3D false; var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime; var g_animMainSequence =3D null; var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram= es", gIsEndShow=3D0, NUM_VIS_SLDS=3D19, SCRIPT_HREF=3D"script.js", FULLSCR_= HREF=3D"fullscreen.htm"; var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO= tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true window.gPPTHTML=3DSupportsPPTHTML() var g_fBaseHyperlink =3D false; var gMainDoc=3Dnew Array(new hrefList("slide0001.htm",1,-1,1),new hrefList(= "slide0002.htm",1,-1,1),new hrefList("slide0005.htm",1,-1,1),new hrefList("= slide0006.htm",1,-1,1),new hrefList("slide0008.htm",1,-1,1),new hrefList("s= lide0011.htm",1,-1,1),new hrefList("slide0010.htm",1,-1,1),new hrefList("sl= ide0012.htm",1,-1,1),new hrefList("slide0013.htm",1,-1,1),new hrefList("sli= de0014.htm",1,-1,1),new hrefList("slide0015.htm",1,-1,1),new hrefList("slid= e0016.htm",1,-1,1),new hrefList("slide0017.htm",1,-1,1),new hrefList("slide= 0018.htm",1,-1,1),new hrefList("slide0019.htm",1,-1,1),new hrefList("slide0= 021.htm",1,-1,1),new hrefList("slide0022.htm",1,-1,1),new hrefList("slide00= 20.htm",1,-1,1),new hrefList("slide0004.htm",1,-1,1)); /********************************************* Frameset functions These functions control slide navigation and state of the frameset. **********************************************/ function RemoveFilePrefixFromHref(href) { var regExp =3D /^file:\/\/\//i; return href.replace(regExp, "") } function FullScrInit() { g_allowAdvOnClick =3D GetCurSld().mAdvOnClk document.body.style.backgroundColor=3D"black" document.oncontextmenu=3Dparent._CM; document.onkeydown =3D _KDH; document.ondragstart=3DCancel document.onselectstart=3DCancel self.focus() } function Redirect( frmId ) {=09 var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId() if(idx>=3D0) str=3Dstr.substr(1); if( window.name !=3D frmId && ( sId !=3D str) ) { obj =3D GetObj("Main-File") window.location.href=3Dobj.href+"#"+sId return 1 } return 0 } var MHTMLPrefix =3D CalculateMHTMLPrefix();=20 function CalculateMHTMLPrefix() { if ( document.location.protocol =3D=3D 'mhtml:') {=20 href=3Dnew String(document.location.href)=20 Start=3Dhref.indexOf('!')+1=20 End=3Dhref.lastIndexOf('/')+1=20 if (End < Start)=20 return href.substring(0, Start)=20 else=20 return href.substring(0, End)=20 } return ''; } function GetTags(base,tag) { if(g_supportsPPTHTML) return base.all.tags(tag); else return base.getElementsByTagName(tag); } function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP= refix+GetHrefObj( gCurSld ).mNtsHref ) } function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() } function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() } function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() } function SetHasNts( fVal ) { if( gHasNts !=3D fVal ) { gHasNts=3DfVal UpdNavPane() } } function ToggleOtlText() { gOtlTxtExp=3D!gOtlTxtExp UpdOtlPane() } function ClearMedia() { // Clear any sounds playing before launching another browser window. Other= wise, // in fullscreen mode, you'll continue to hear the sound in the frames mod= e. if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0; } function FullScreen() {=20 if ( PPTSld.g_animUseRuntime ) PPTSld.document.body.pause(); ClearMedia(); var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF = : FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref; if (MHTMLPrefix !=3D "") href =3D RemoveFilePrefixFromHref(href) if(PPTNav.event.ctrlKey) { var w =3D (window.screen.availWidth * 1.0) / 2.0 var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top= =3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } else { win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" ); if( win.document.body && PPTSld.g_animUseRuntime ) win.document.body.PPTSldFrameset=3Dwindow; } } function ToggleVNarration() { rObj=3DPPTSld.document.all("NSPlay") if( rObj && !PPTSld.g_animUseRuntime ) { if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) ) rObj.Play() else if( rObj.playState =3D=3D 2 ) rObj.Pause() else return; } else if( PPTSld.g_animUseRuntime ) { narObj =3D PPTSld.document.all("narrationID") if( narObj ) narObj.togglePause() } } function GetCurSldNum() { =20 obj=3DGetHrefObj(gCurSld) if( obj.mOrigVis =3D=3D 1 ) return obj.mSldIdx else =20 return gCurSld } function GetNumSlds() { =20 if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 ) return GetSldList().mNumVisSlds; else return GetSldList().mList.length } function GetSldNum( href ) { for(ii=3D0; ii<GetSldList().mList.length; ii++) { if ( GetSldList().mList[ii].mSldHref =3D=3D href ) return ii+1 } return 1 } function GetHrefObj( sldIdx ){ return GetSldList().mList[sldIdx-1] } function IsFramesMode(){ return ( SCREEN_MODE =3D=3D "Frames" ) } function IsFullScrMode(){ return ( SCREEN_MODE =3D=3D "FullScreen" ) } function GoToNextSld() { ii=3DgCurSld + 1 if( GetHrefObj( ii-1 ).mOrigVis =3D=3D 0 ) { if( ii<=3DGetSldList().mList.length ) { obj=3DGetHrefObj(ii) obj.mVis=3D1 GoToSldNum(ii) return } } else { obj=3DGetHrefObj( ii ) while ( obj && ( obj.mOrigVis =3D=3D 0 ) ) obj=3DGetHrefObj(++ii) if( obj && obj.mOrigVis ) { GoToSldNum(ii) return } } if( gSldStack.length > 1 ) PopSldList(); else if( !IsFramesMode() ) { if( gLoopCont ) GoToFirst() else EndShow() } } function GoToPrevSld() { ii=3DgCurSld-1 if( ii > 0 ) { obj=3DGetHrefObj(ii) while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) ) obj=3DGetHrefObj(--ii) if( ii =3D=3D 0 ) ii=3D1 GoToSldNum(ii) } } function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) } function GoToLast() { ii=3DGetSldList().mList.length if( ii !=3D gCurSld ) GoToSld( GetHrefObj(ii).mSldHref ) } function GoToSldNum( num ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue obj =3D GetHrefObj( num ) obj.mVis=3D1 gPrevSld=3DgCurSld gCurSld =3D num; =09 if (MHTMLPrefix !=3D "") PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(obj.mSldHref= )) else PPTSld.location.replace(obj.mSldHref) =09 if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function GoToSld( href ) { if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue GetHrefObj( GetSldNum(href) ).mVis=3D1 if (MHTMLPrefix !=3D "") PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(href)) else PPTSld.location.replace(href) } function SldUpdated( id ) { if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return gPrevSld=3DgCurSld gCurSld=3DGetSldNum(id) if( IsFramesMode() ) { UpdNavPane(); UpdOtlPane(); UpdNtsPane() } } function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) } function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO= bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) } function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) } function CloseWindow() { if( HideMenu() ) return; =09 var event =3D PPTSld.event; if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D= =3D32 || event.type=3D=3D"click" ) ) window.close( self ); CatchNumKeys( self, event ); } function Unload() { gIsEndShow=3D0; } function SetupEndShow() { gIsEndShow=3D1; PPTSld.document.body.scroll=3D"no"; PPTSld.document.onkeypress=3DCloseWindow; PPTSld.document.onclick=3DCloseWindow; PPTSld.document.oncontextmenu=3D_CM; } function EndShow() { if( IsFramesMode() ) return if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue doc=3DPPTSld.document var dir =3D doc.body.dir if( dir !=3D "rtl" ) dir =3D "ltr"; doc.open() doc.writeln('<html><body dir=3D' + dir + ' bgcolor=3Dblack onload=3Dparent= .SetupEndShow() onunload=3Dparent.Unload()><center><p><font face=3DTahoma c= olor=3Dwhite size=3D2><br><b>' + ENDSHOW_MESG + '</b></font></p></center></= body></html>') doc.close() } function SetSldVisited(){ GetSldList().mList[gCurSld-1].mVisited=3Dtrue } function IsSldVisited(){ return GetSldList().mList[gCurSld-1].mVisited } function hrefList( sldHref, visible, advDelay, advClk ) { this.mSldHref=3D this.mNtsHref =3D sldHref this.mOrigVis=3D this.mVis =3D visible this.mVisited=3D false this.mAdvDelay=3D advDelay this.mAdvOnClk=3D advClk } function SldList(arr,curSld,fEnd) { this.mCurSld =3D curSld; this.mList =3D new Array(); var idx =3D 1; for(ii=3D0;ii<arr.length;ii++) { this.mList[ii] =3D new hrefList( arr[ii].mSldHref, arr[ii].mOrigVis, arr[= ii].mAdvDelay, arr[ii].mAdvOnClk ); if( arr[ii].mOrigVis ) this.mList[ii].mSldIdx =3D idx++; } this.mNumVisSlds =3D idx-1; this.fEndShow =3D fEnd; } function GetSldList() { return gSldStack[gSldStack.length-1] } function GetCurSld() { return parent.GetSldList().mList[parent.gCurSld - 1]= } gSldStack =3D new Array(); gSldStack[0] =3D new SldList(gMainDoc,gCurSld,1) function ToggleOtlPane() { frmset=3Ddocument.all("PPTHorizAdjust") frm=3Ddocument.all("PPTOtl") if( gOtlOpen ) frmset.cols=3D"*,100%" else frmset.cols=3D"25%,*" gOtlOpen=3D!gOtlOpen frm.noResize=3D!frm.noResize UpdOtNavPane() } function ToggleNtsPane() { frmset=3Ddocument.all("PPTVertAdjust") frm=3Ddocument.all("PPTNts") if( gNtsOpen ) frmset.rows=3D"100%,*" else frmset.rows=3D"*,20%" gNtsOpen=3D!gNtsOpen UpdNtsPane() } /********************************************* Custom Shows implementation When ViewCustomShow() is called, we create a new array that is a subset of the slides in=20 the main doc. This list pushed on a stack so we can return after the end of the custom show. *********************************************/ function ViewCustomShow(idx,fEnd) { if( !IsFullScrMode() ) return; var sldList =3D new Array(); var custShow =3D custShowList[idx-1]; var jj =3D 0; for( ii=3D0;ii<custShow.length;ii++ ) { if( custShow[ii] <=3D gMainDoc.length ) sldList[jj++] =3D gMainDoc[custShow[ii]-1]; } if (sldList.length > 0) { PushSldList(sldList,fEnd); gCurSld =3D 1; } else if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue } function PushSldList(arr,fEnd) { var ii =3D gSldStack.length; gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd); GoToSld( gSldStack[ii].mList[0].mSldHref ); } function PopSldList() { if (gSldStack[gSldStack.length-1].fEndShow) EndShow() else { gCurSld =3D gSldStack[gSldStack.length-1].mCurSld; gSldStack[gSldStack.length-1] =3D null; gSldStack.length--; var sldList =3D gSldStack[gSldStack.length-1]; GoToSld( sldList.mList[gCurSld - 1].mSldHref ); } } var custShowList=3Dnew Array(); /********************************************* Navigation button implementation There are 2 types of buttons: ImgBtn, TxtBtn implemented as function objects. They share a similiar interface so the event handlers can call SetActive, for example, on a button=20 object without needing to know exactly=20 what type of button it is. **********************************************/ //---------------------------------- function ImgBtn( oId,bId,w,action ) //---------------------------------- { var t=3Dthis t.Perform =3D _IBP t.SetActive =3D _IBSetA t.SetInactive=3D _IBSetI t.SetPressed =3D _IBSetP t.SetDisabled=3D _IBSetD t.Enabled =3D _IBSetE t.ChangeIcon =3D null t.UserAction =3D action t.ChgState =3D _IBUI t.mObjId =3D oId t.mBorderId=3D bId t.mWidth =3D w t.mIsOn =3D t.mCurState =3D 0 } function _IBSetA() { if( this.mIsOn ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _IBSetI() { if( this.mIsOn ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0=20 } } function _IBSetP() { if( this.mIsOn ) { obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 ) obj.style.posLeft+=3D1; obj.style.posTop+=3D1 } } function _IBSetD() { =20 obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 ) obj.style.posTop=3D0=20 } function _IBSetE( state ) { var t=3Dthis GetObj( t.mBorderId ).style.visibility=3D"visible" if( state !=3D t.mIsOn ) { t.mIsOn=3Dstate if( state ) t.SetInactive() else t.SetDisabled() } } function _IBP() { var t=3Dthis if( t.mIsOn ) { if( t.UserAction !=3D null ) t.UserAction() if( t.ChangeIcon ) { obj=3DGetObj(t.mObjId) if( t.ChangeIcon() ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth else obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth } t.SetActive() } =20 } function _IBUI( clr1,clr2,nextState ) { var t=3Dthis SetBorder( GetObj( t.mBorderId ),clr1,clr2 ) obj=3DGetObj( t.mObjId ) obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj= .style.posTop t.mCurState=3DnextState return obj } //----------------------------------------- function TxtBtn( oId,oeId,action,chkState ) //----------------------------------------- { var t=3Dthis t.Perform =3D _TBP t.SetActive =3D _TBSetA t.SetInactive=3D _TBSetI t.SetPressed =3D _TBSetP t.SetDisabled=3D _TBSetD t.SetEnabled =3D _TBSetE t.GetState =3D chkState t.UserAction =3D action t.ChgState =3D _TBUI t.mObjId =3D oId t.m_elementsId=3D oeId t.mIsOn =3D 1 } function _TBSetA() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gHiliteClr,gShadowClr,0,0 ) } function _TBSetI() { var t=3Dthis if( t.mIsOn && !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) } function _TBSetP() { if( this.mIsOn ) this.ChgState( gShadowClr,gHiliteClr,1,1 ) } function _TBSetD() { =20 this.ChgState( gFaceClr,gFaceClr,0,0 ) this.mIsOn =3D 0 } function _TBSetE() { var t=3Dthis if( !t.GetState() ) t.ChgState( gFaceClr,gFaceClr,0,0 ) else t.ChgState( gShadowClr,gHiliteClr,1,1 ) t.mIsOn =3D 1 } function _TBP() { var t=3Dthis if( t.mIsOn ) {=20 if( t.UserAction !=3D null ) t.UserAction() if( !t.GetState ) return if( t.GetState() ) t.SetPressed() else t.SetActive() } =20 } function _TBUI( clr1,clr2,lOffset,tOffset ) { SetBorder( GetObj( this.mObjId ),clr1,clr2 ) Offset( GetObj( this.m_elementsId ),lOffset,tOffset ) } function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle= ft } function SetBorder( obj, upperLeft, lowerRight ) { s=3Dobj.style; s.borderStyle =3D "solid" s.borderWidth =3D 1=20 s.borderLeftColor =3D s.borderTopColor =3D upperLeft s.borderBottomColor=3D s.borderRightColor =3D lowerRight } function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] } function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() } function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() } function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() } function BtnOnUp() { b=3DGetBtnObj() if( b !=3D null ) b.Perform() else Upd() } function GetNtsState(){ return parent.gNtsOpen } function GetOtlState(){ return parent.gOtlOpen } function GetOtlTxtState(){ return parent.gOtlTxtExp } function NtsBtnSetFlag( fVal ) { s=3Ddocument.all.item( this.m_flagId ).style s.display=3D"none" if( fVal ) s.display=3D"" else s.display=3D"none" } function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etActive() } function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etInactive() } function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S= etPressed() } function _BSetA_BorderImg() {=20 b =3D gBtnArr[this.mBorderId]=20 if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 ) obj.style.posTop=3D0 } } function _BSetI_BorderImg() {=20 b =3D gBtnArr[this.mBorderId] if( b !=3D null && this.mIsOn && !b.GetState() ) { obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 ) obj.style.posTop=3D0 } } var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"= THREEDFACE" var gBtnArr =3D new Array() gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan= e,GetOtlState ) gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt= lPane,GetOtlState ) gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN= tsPane ) gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg; gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg; gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.= ToggleNtsPane,GetNtsState ) gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To= ggleNtsPane,GetNtsState ) gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n= b_prevBorder",30,parent.GoToPrevSld ) gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n= b_nextBorder",30,parent.GoToNextSld ) gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent= .FullScreen ) gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa= rent.FullScreen,null ) gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border; gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent= .FullScreen,null ) gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border; gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border; gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice= ","nb_voiceBorder",18,parent.ToggleVNarration ) gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT= xt","nb_otlTxtBorder",23,parent.ToggleOtlText ) gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts" gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState /********************************************* Context menu implementation _CM() is the function that's hooked up to the oncontextmenu event. Once we're asked to show the menu, we first build it by creating DIVs on-the-fly. Then we position it=20 within the screen area so it doesn't get clipped. Creating the DIVs using createElement() means we don't have to write out any extra HTML into the slide HTML files. **********************************************/ var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr= row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval" function ShowMenu() { BuildMenu(); var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y= =3DPPTSld.event.clientY+doc.scrollTop m =3D PPTSld.document.all.item("ctxtmenu") m.style.pixelLeft=3Dx if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) ) m.style.pixelLeft=3Dx-m.scrollWidth m.style.pixelTop=3Dy if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) ) m.style.pixelTop=3Dy-m.scrollHeight m.style.display=3D"" } function _CM() { if( !parent.IsFullScrMode() ) return; if(!PPTSld.event.ctrlKey) { ShowMenu() return false } else HideMenu() } function BuildMenu() { if( PPTSld.document.all.item("ctxtmenu") ) return var mObj=3DCreateItem( PPTSld.document.body ) mObj.id=3D"ctxtmenu" mObj.style.visibility=3D"hidden" var s=3DmObj.style s.position=3D"absolute" s.cursor=3D"default" s.width=3D"120px" SetCMBorder(mObj,"menu","black") var iObj=3DCreateItem( mObj ) SetCMBorder( iObj, "threedhighlight","threedshadow" ) iObj.style.padding=3D2 CreateMenuItem( iObj,sNext,M_GoNextSld,M_True ) CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld ) =09 CreateSeparator( iObj ) CreateMenuItem( iObj,sEnd,M_End,M_True ) mObj.style.visibility=3D"visible" } function Cancel() { window.event.cancelBubble=3Dtrue; window.event.returnVa= lue=3Dfalse } function Highlight() { ChangeClr("activecaption","threedhighlight") } function Deselect() { ChangeClr("threedface","menutext") } function Perform() { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) e.Action() else PPTSld.event.cancelBubble=3Dtrue } function ChangeClr( bg,clr ) { e=3DPPTSld.event.srcElement if( e.type=3D=3D"menuitem" && e.IsActive() ) { e.style.backgroundColor=3Dbg e.style.color=3Dclr } } function M_HasPrevSld() { return( parent.HasPrevSld() ) } function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() } function M_GoPrevSld() { if( gIsEndShow ) { gIsEndShow=3D0; history.back();= PPTSld.event.cancelBubble=3Dtrue; } else GoToPrevSld() } function M_True() { return true } function M_End() { window.close( self ) } function CreateMenuItem( node,text,action,eval ) { var e=3DCreateItem( node ) e.type=3D"menuitem" e.Action=3Daction e.IsActive=3Deval e.innerHTML=3Dtext if( !e.IsActive() ) e.style.color=3D"threedshadow" e.onclick=3DPerform e.onmouseover=3DHighlight e.onmouseout=3DDeselect s=3De.style; s.fontFamily=3DsFont s.fontSize=3D"9pt" s.paddingLeft=3D2 } function CreateSeparator( node ) { var sObj=3DCreateItem( node ) SetCMBorder(sObj,"menu","menu") var s=3DsObj.style s.borderTopColor=3D"threedshadow" s.borderBottomColor=3D"threedhighlight" s.height=3D1 s.fontSize=3D"0px" } function CreateItem( node ) { var elem=3DPPTSld.document.createElement("DIV") node.insertBefore( elem ) return elem } function SetCMBorder( o,ltClr,rbClr ) { var s=3Do.style s.backgroundColor=3D"menu" s.borderStyle=3D"solid" s.borderWidth=3D1 s.borderColor=3DltClr+" "+rbClr+" "+rbClr+" "+ltClr } ------=_NextPart_01C64C63.C6E4E240 Content-Location: file:///C:/B15244C5/healthinsurance_files/fullscreen.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="us-ascii" <html> <head> <meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii"> <meta name=3DProgId content=3DPowerPoint.Slide> <meta name=3DGenerator content=3D"Microsoft PowerPoint 11"> <link id=3DMain-File rel=3DMain-File href=3D"../healthinsurance.htm"> <link rel=3DPreview href=3Dpreview.wmf> <![if IE]> <base href=3D"file:///C:\B15244C5\healthinsurance_files\fullscreen.htm" id=3D"webarch_temp_base_tag"> <![endif]><script src=3Dscript.js></script> <script> </script> </head> <frameset rows=3D"*" frameborder=3D0 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style=3D'position:absolute;left:-18px;width:24px;height:20px;border-s= tyle: solid;border-width:1px;border-color:threedface' onfocus=3D"BtnOnOver()" on= blur=3D"BtnOnOut()" TABINDEX=3D12 id=3D"nb_otlTxtBorder"> <div style=3D'position:absolute;clip:rect(0px, 22px, 18px, 0px)'><img src=3Dbuttons.gif id=3D"nb_otlTxt" title=3D"Expand/Collapse Outline" style=3D'position:relative;left:-157px'></div> </div> </td> </table> </div> <div id=3DOtlObj style=3D'display:none;visibility:hidden;'> <table width=3D"100%" style=3D'font-family:Arial;font-size:9pt'> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>1</font></div> </td> <td width=3D"100%"> <div id=3DPPTP1 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0001.htm');" id=3DPPTL1>Health Insurance= </a></font></div> <div id=3DPPTC1 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Richard MacMinn</li> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>2</font></div> </td> <td> <div id=3DPPTP2 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0002.htm');" id=3DPPTL2>Objectives</a></= font></div> <div id=3DPPTC2 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Consider who should provide health insurance</li> <li>Note the difference between individual and group health insurance</l= i> <li>Describe the important features of comprehensive medical insurance</= li> <li>Describe long term care insurance</li> <li>Describe the market for disability income insurance</li> <li>Note the principal benefits of disability insurance coverage</li> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>3</font></div> </td> <td> <div id=3DPPTP3 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0005.htm');" id=3DPPTL3>Individual versu= s group health insurance</a></font></div> <div id=3DPPTC3 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Individual</li> <ul> <li>Coverage is provided to specific individuals under a policy issued = to a specific individual</li> <li>Policy ownership is vested in the insured</li> <li>Insured provides proof of insurability</li> <li>Insurer maintains separate records on each policy including premium= and benefit payments</li> </ul> <li>Group</li> <ul> <li>Coverage is provided to a group of individuals under a single contr= act</li> <li>Policy ownership is vested in an entity not organized for the sole purpose of obtaining insurance, e.g., employer, trust, union, association, etc.</li> <li>No proof of insurability is generally required</li> <br> <br> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>4</font></div> </td> <td> <div id=3DPPTP4 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0006.htm');" id=3DPPTL4>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC4 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Need for individual health insurance</li> <ul> <li>Those not covered by group or government health plans</li> <ul> <li>Students</li> <li>early retirees</li> <li>those with no employer coverage</li> <li>temporary workers</li> <li>unemployed persons</li> <li>children, spouses and other dependents not otherwise covered</li> </ul> <li>Supplemental coverage is also necessary under some circumstances in= the United Kingdom, France, Canada, the United States (with respect to Medicare)</li> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>5</font></div> </td> <td> <div id=3DPPTP5 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0008.htm');" id=3DPPTL5>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC5 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage</li> <ul> <li>Insuring arrangements</li> <ul> <li>Life insurers</li> <ul> <li>These insurers typically provide indemnity plans</li> </ul> <li>Blue Cross/Blue Shield insurers</li> <ul> <li>Blues pay negotiated rates to hospital and care providers</li> </ul> <li>Health maintenance organizations (HMO)</li> <ul> <li>HMO’s combine finance and health care</li> </ul> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>6</font></div> </td> <td> <div id=3DPPTP6 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0011.htm');" id=3DPPTL6>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC6 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage continued</li> <ul> <li>Benefit arrangements</li> <ul> <li>Benefits include</li> <ul> <li>Inpatient and outpatient hospital services</li> <li>Physician and diagnostic services</li> <li>Specialty services like physical therapy and radiology</li> <li>Prescription drugs</li> </ul> <li>Major medical expense insurance</li> <ul> <li>Deductible ($5000)</li> <li>Coinsurance (20%)</li> <li>Lifetime maximum ($5,000,000)</li> <li>Out-of-pocket cap</li> <li>Medical savings accounts (partial solution to moral hazard?)</li> </ul> <br> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>7</font></div> </td> <td> <div id=3DPPTP7 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0010.htm');" id=3DPPTL7>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC7 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage continued</li> <ul> <ul> <li>Special individual coverages</li> <ul> <li>Hospital confinement indemnity</li> <li>Government supplemental policies</li> <ul> <li>Medicare wraparound</li> <li>Medicare supplement</li> </ul> <li>Dread disease coverage</li> <ul> <li>Cancer</li> <li>Heart disease</li> </ul> <br> </ul> </ul> <br> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>8</font></div> </td> <td> <div id=3DPPTP8 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0012.htm');" id=3DPPTL8>Individual medic= al expense insurance</a></font></div> <div id=3DPPTC8 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <ul> <li>Coverage continued</li> <ul> <li>Contract provisions</li> <ul> <li>Renewal option</li> <ul> <li>This is usually without further proof of insurability and until a specified age such as 65.</li> <li>Premiums are not guaranteed but must be treated on a class basis= and often require regulatory approval</li> <li>Closed block durational rating</li> <br> <br> <br> </ul> </ul> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>9</font></div> </td> <td> <div id=3DPPTP9 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0013.htm');" id=3DPPTL9>Long-term care i= nsurance</a></font></div> <div id=3DPPTC9 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>The definition</li> <li>The need?</li> <ul> <li>Demise of extended family</li> <li>Demographic changes</li> <li>Changing wealth distribution</li> <li>Increased mobility</li> </ul> <li>Summary statistics</li> <ul> <li>More statistics</li> <li>$30,000 for one year stay in nursing home</li> <li>Average stay is one to two years with 25% staying longer</li> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>10</font></div> </td> <td> <div id=3DPPTP10 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0014.htm');" id=3DPPTL10>Long-term care<= /a></font></div> <div id=3DPPTC10 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Long-term care (LTC) includes the following elements:</li> <ul> <li>The need for medical, personal or social services</li> <li>The need results from an accident, illness or frailty</li> <li>Services are provided by other paid or unpaid persons at home or in= a nursing facility</li> <li>Services are to assist the individual in performing the essential activities of daily living (ADL)</li> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>11</font></div> </td> <td> <div id=3DPPTP11 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0015.htm');" id=3DPPTL11>Long-term care insurance</a></font></div> <div id=3DPPTC11 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Coverage</li> <ul> <li>Underwriting depends on the application and a physician’s statement</li> <li>Nursing home care</li> <ul> <li>Skilled (continuous)</li> <li>Intermediate (discontinuous)</li> <li>Custodial (assistance with ADL)</li> </ul> <li>Community care</li> <ul> <li>Home, adult day, respite, hospice, therapeutic</li> <li>Assisted living facilities (ALFs) and continuing care centers (CCC= s)</li> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>12</font></div> </td> <td> <div id=3DPPTP12 class=3DPTxt><font size=3D2><a href=3D"javascript:GoToSld('slide0016.htm');" id=3DPPTL12>Long-term care insurance</a></font></div> <div id=3DPPTC12 class=3DCTxt style=3D'display:none'><font size=3D2> <ul> <li>Benefits</li> <ul> <li>Elimination period</li> <ul> <li>0-365 days before benefits become payable</li> </ul> <li>Daily benefit</li> <ul> <li>$40-$250 daily benefit</li> </ul> <li>Benefit periods</li> <ul> <li>2-5 years is typical</li> <br> <br> <li>Lifetime benefit period is possible</li> </ul> </ul> </ul> </font></div> </td> </tr> <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(= this)" style=3D'cursor:hand'> <td align=3Dright valign=3Dtop> <div class=3DsldNum><font size=3D2>13</font></div> </td> <td> <div id=3DPPTP13 clas