DOCSLIB.ORG

Health Insurance Aviable Approach to Financing Health Care in Nigeria?

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Health Insurance Aviable Approach to Financing Health Care in Nigeria? Health Insurance AViable Approach to Financing Health Care in Nigeria? Written by IbukuR-Olowo Ogunbekun MBBS MPH MA Pnvate InlflatlYes for Pnmary Healthcare Project :r":: -:'!'~! Research &- Tramlng Institute 1616 N Fort Hyer Drive' II th Floor Arlington VA 22209 nBS document was produced bv the Pnvate InItIatives for Pnmary Healthcare Project under Coop­ erative Agreement No HRN 5974-A-00-2053 00 wIth the US Agencv for International Develop ment Global Bureau Office of Health and NutntlOn July 1996 ••••••••••••••••••••• • TAil E OF (0 N TEN T S • • • • • Amnyms Ack nowledae mea II EImtlYt Summary IntrodlCtllB 11 NatIOnal Hultb Imram Schmt (NHIS) 12 PrIVate Health Imrlou n Informal Prepayment Schemes ('ntry Wemea Ammon of Nigeria (COWAN) n OPtions for Improma Accen II (are 41 (ODelmon 48 NGtes 49 Blbillgraphy 51 Abut 11I1111m! 54 - 3- ACRONYMS CBD Community-Based Dlstnbutors COWAN Country Women AssociatIOn ofNlgena FMOH Federal MInistry of Health FMOHSS Federal Mmlstry of Health and Social Services FFS Fee-For-Servlce GPI Gross PremIUm Income HDF Health Development Fund IGJ Industnal and General Insurance Company lSI InternatIOnal Standard Insurers HSS Health Savmgs Scheme N Naira NGO Non-Governmental OrganizatIOn NHIC NatIOnal Health Insurance CouncIl NHIS NatIOnal Health Insurance Scheme NHF NatIOnal Housmg Fund NIC NewlIne Insurance Company NPF NatIOnal ProVIdent Fund PPFN Planned Parenthood Federation ofNlgena PrHI Pnvate Health Insurance RIHFPP Rural Integrated Health and FamIly Plannmg Program SHIB State Health Insurance Board SIC Shelter Insurance Company SMOH State Mmlstry of Health VHP Voluntary Health (Insurance) Plan .... .... .....".= -= -= -.... = a A(HNOWlEDGMENTS I express profound gratitude to all who assisted In the collectIOn of maten­ als for this paper especially, the officials of the Insurance and reinsurance compantes surveyed, the Federal Ministry of Health and SOCial Services, COW AN, executive committees of health sector professIOnal aSSOCiatIOns, and Gusle Associates Ltd SpecIal thanks also to ElIzabeth Olubusl, T T Mirilla, Bolade Lasakl, Nlke Ogunbekun, Margaret Bodede, Uche Ekenna and the reviewers of the first draft of the paper for the support and useful comments provided All errors remain the responsIbility of the author 100 ............ --=-= II EXECUTIVE SUMMARY Proposals for reformmg health care financing In Nlgena have been under consideratIOn for more than ten years The need for reforms arose from government's Inablhty to continue financing the bulk of expenditures on health care as economic recesSIOn had substantIally reduced the mflow of revenues since the early 1980s, 90 percent of which was denved from the sale of crude 011 In 1992, the Federal Ministry of Health and Social Ser­ vices (FMOHSS) opted for a NatIOnal Health Insurance Scheme (NHIS) to be Implemented In phases In four of the thirty states of the federatIOn, beginning With workers m formal employment Employers m these selected states With ten or more workers, Will compul­ sonly msure their employees under the scheme The NHIS will be admin­ Istered by a parastatal that would be superVised by the FMOHSS It IS envisaged that the NHIS Will cover SIX mllhon people m the first phase (about 7 percent of the populatIOn), progressmg eventually to those 10 the Informal sector and the rural populace The decree estabhshmg the NHIS IS yet to be signed Into law but the scheme has already faced tremendous oppoSItIon from vanous Interest groups notably the labor UnIons, pnvate sector employers and key profeSSIOnal assocIatIOns 10 the health sector In the NHIS each contnbutor (along With hIs dependants) Will register WIth only one provider and shall be entitled to comprehenSIve health care benefits, subject to a 'waltmg penod' of five months Benefits Include personal preventive services ambulatory and m-patlent care maternity and family plannmg services diagnostic services drugs limited dental and optical services as welJ as prostheses A fee of NO 50 (about US$O 03) per prescnptlon shall be paid by the patient Hospitalization m a pnvate facil­ .... Ity shall attract a 10 percent co-payment hospitalizatIOn m a public facIl­ =- Ity will not Involve cost-shar1Og In order to encourage the preferential use of pubhc services -~ The scheme Will be admmlstered at the state level by the State Health In­ - surance Board (SHIB) to which payroll contnbutlons In each state shall be D forwarded At the federal level, overall responsibility for the scheme will rest with the National Health Insurance Council (NHIC) The SHIB will enter mto contractual arrangements with primary prOViders which can be either public or private facilities The latter can then contract With 'sub­ providers of variOUS services covered by the scheme (e g m-patlent phar­ maceutical, laboratory and x-ray services) The bulk of the reimbursements to health care prOViders Will be capItation payments remItted quarterly by the SHIB and based on the number of persons registered WIth the prOVider at the end of that period The rates are to be reViewed annually and must be accepted by the prOVIder as payment m full for serVIces delivered Payment for hospItalization beyond twenty­ one days and for treatment receIved m tertiary care centers, are to be borne directly by the SHIB Primary prOViders WIll be allowed to stock drugs and dispense directly to patients However, thiS service could be sub-con­ tracted to pharmaCies If so desired, m wllIch case, the latter's bills Will be settled by the primary prOVIder ThiS provlslO has been rejected by phar­ maCIsts who remam strongly opposed to the NHIS ReservatIOns have been expressed regardmg the publIc sector's capacity to manage such an adminIstratively cumbersome scheme, gIven the poor performance of most publIc enterprises such as the National Housmg Fund (NHF) and NatIOnal PrOVident Fund (NPF) It IS further argued that for a country which has hmlted techmcal capacity m the areas of health man­ agement and financmg, attemptmg to cover SIX millIon people from the outset would appear a somewhat ambitIOUS undertakmg that could further Jeopardize the chances of success In the absence ofmeanmgful competi­ tIOn from other plans It IS feared that a monopsonistic health plan lIke the NHIS could become so large as to encourage mIs-management of pooled ....co funds whtle bemg msensltlve to the needs of the consumer Such a devel­ .... opment would stIfle growth, and mvarIably, the abtllty to extend coverage ""'" to those m the mformal sector and rural areas wlthm a reasonable period of time ......... 0:::: ....co """ Private Health Insurance (PrHI), on the other hand IS Just developmg m -0:::: the Nigerian market Currentlv there are four wholly private companIes marketmg health Insurance plans m the country -- three of these are based co ::z:::.... m Lagos and one m Enugu The compames offer primarily group plans D and cover employees 10 the highly commercIal and mdustnal regIOns of the south The pool admlmstered by each company IS very small, the larg­ est bemg less than 18,000 (benefic lanes mcluslve) It IS estimated that only about 003 percent of the total population was covered by private health msurance as at July 1995 Growth of private health msurance has been hmlted by a mYriad of factors, mcludmg the lack ofpubhc confidence 10 the msurance mdustry, !tmlted techmcal capacity for underwntmg this class of risk, poor knowledge of the natIOn's private medical care market, high prevalence of fraud on ex­ Istmg schemes, and the absence ofremsurance backup In some mstances, claims have grown much faster than premlUm mcomes, threatenmg the Viability of pnvate health msurance schemes This IS largely the result of fee-for-service (FFS) payment arrangements (with no fee schedules) and the absence of effective cost-sharing formulae Mechanisms for mOnltor- 109 the quahty of care rendered by providers are weak and the market IS not expected to witness slgmficant growth In the foreseeable future Informal prepavment arrangements 10 the country are under-reported As such, the potentials and lImitatIOns of this finanCing optIOn are not well understood One such scheme IS managed by the Country Women Asso­ ciatIOn ofNlgena (COWAN) a rural cooperative umon which has oper­ ated a credlt-hnked Health Development Fund (HDF) smce 1989 The HDF IS a component of COW AN s Rural Integrated Health and Famtly Plannmg Program which IS Implemented usmg a network of 370 commu­ mty-based distributors of family planning commodities Each registered group With a membership offive to ten persons contnbutes monthly fixed amounts to the Credit Scheme (comprIsmg the Dally Savmgs' and Trust Fund) as well as the HDF In 1995 the monthly rates of contributIOn per group stood at N I 200 (US$14) for the Dally Savmgs fund N20 ($0 24) for the Trust Fund and N 10 ($0 12) for the HDF These contributIOns entitle members to credit faCilities for agricultural and commerCIal activI­ ties, as well as loans for covering the cost of catastrophic' Illnesses (usu­ -..... ally Involvmg hospltahzatlOn) =- - D The total contributIOn to the HDF IS very low, loan disbursements aver­ aged around 87 percent of contributIOns between 1992 and 1994 Average value of loans per beneficiary was less than N4 000 and full repayment was achIeved m almost all the cases wlthm twelve months, supportmg the view that the poor are credit-worthy An mterest rate of t\\O percent per month IS charged on loans after a grace penod of three months The lmkage of a credit scheme with prepayment for health care makes thIs an attractive model
Load more

Recommended publications
  • In the Supreme Court of Missouri En Banc ) ) ) ) Appeal
    Electronically Filed - SUPREME COURT OF MISSOURI December 21, 2016 06:20 PM IN THE SUPREME COURT OF MISSOURI EN BANC OWNERS INSURANCE COMPANY, ) ) APPELLANT, ) ) VS. ) APPEAL NO. SC95843 ) VICKI CRAIG and CHRIS CRAIG, ) ) RESPONDENTS. ) APPEAL FROM THE CIRCUIT COURT OF GREENE COUNTY STATE OF MISSOURI THE HONORABLE JASON R. BROWN CIRCUIT JUDGE SUBSTITUTE REPLY BRIEF OF APPELLANT OWNERS INSURANCE COMPANY Russell F. Watters #25758 [email protected] T. Michael Ward #32816 [email protected] BROWN & JAMES, P.C. 800 Market Street, Suite 1100 St. Louis, Missouri 63101 314-421-3400 314-421-3128 (Facsimile) Attorneys for Appellant Owners Insurance Company Electronically Filed - SUPREME COURT OF MISSOURI December 21, 2016 06:20 PM TABLE OF CONTENTS TABLE OF AUTHORITIES ...................................................................................................... iii REPLY STATEMENT OF FACTS .............................................................................................. 1 REPLY ARGUMENT ............................................................................................................... 3 I. The trial court erred in entering summary judgment for Defendants Vicki Craig and Chris Craig, and in denying summary judgment for Owners Insurance Company, because Owners was entitled to reduce the sum due Defendants on their claim for underinsured motorist coverage, in that the Owners policy clearly and unambiguously provided for a $50,000 deduction from the $250,000 each person limit of liability for underinsured motorist coverage
    [Show full text]
  • 2020 Annual Report
    2020 ANNUAL REPORT Shelter Insurance Companies 1817 West Broadway • Columbia, MO 65218 1-800-SHELTER (1-800-743-5837) ShelterInsurance.com Facebook: ShelterInsurance Twitter: Shelter_ins YouTube: ShelterIns Instagram: Shelter_ins LinkedIn: Shelter-Insurance-Companies STRONG SHELTER Shelter’s 75th Anniversary Shelter Insurance® is celebrating 75 years in 2021. In 2018, those who came before us was in need of an update, it made sense Executive Vice Presidents Teresa Magruder and Dan Clapp to tie the renovation to the 75th anniversary. The new area is called established an interdepartmental committee and started planning the Inspiration Garden and features a wall naming employees and efforts for Shelter’s diamond anniversary. Some efforts kicked off in agents who have passed away as well as a unique rock sculpture and 2020, with the majority of events and activities taking place in 2021. a water feature. A bronze plaque includes Shelter’s 75th anniversary logo and a dedication honoring those we have lost. The plaque was Logo installed in October 2020 and visitors are encouraged to visit this peaceful and lovely place when at the corporate headquarters in The Shelter logo was enhanced for the anniversary and is featured Columbia, Missouri. throughout the website, ads, employee volunteer t-shirts, company car decals and more. Celebrating 75 Years Giving Special 75th anniversary elements will be added to normal activities throughout 2021 including the Garden Concerts and the Holiday Shelter is providing eligible employees 8 hours of paid volunteer Tree Lighting. A golf tournament in the Summer and a special leave during the anniversary year. Plans are also underway to sponsor Celebration Day in the Fall are also planned.
    [Show full text]
  • Built on Strength Building Fortomorrow
    ANNUAL REPORT 2015 Shelter Insurance Companies BUILT ON STRENGTH BUILDING FORTOMORROW ® Contents 2 A Word to Our Policyholders 4 Company News 12 Dedication to Our Communities 19 Company Overview 32 Directors & Officers Mission Statement Shelter Insurance® will be a dynamic group of Companies focused on providing financially secure insurance protection and services to individuals and businesses, a quality working environment, emphasis on easy-to-use services, a commitment to continuous improvement, and a passion for pleasing our customers. 2015 ANNUAL REPORT SHELTER INSURANCE COMPANIES 1 Reflections from the Chair of Shelter’s Board of Directors The theme of this year’s Annual Report is Built on Strength…Building for Tomorrow. I believe this theme is perfect for a year that included significant physical changes to Shelter’s facilities as well as the continued building of new brands and Companies within our group. The commitment to innovation within our Companies is only possible because of the strong financial foundation Shelter enjoys today. On behalf of the Board of Directors, we applaud the spirit of innovation building in our agents and employees, led by our Management Team. In this report you’ll learn more about our foray into the world of Agile development processes from an IT perspective. We’re updating and improving our facilities, providing employees a more modern Don McCubbin, Chairman of the workspace that improves energy efficiencies and ergonomics. The Companies and brands Board of Directors, retired from we’re building will improve our geographic expansion efforts and our new product Shelter in 2012 as an Executive distribution opportunities will expand growth potential significantly.
    [Show full text]
  • We're Your Shield. We're Your Shelter
    We’re your Shield. We’re your Shelter. Shelter Insurance® - Count on our Team. Shelter Insurance Companies 2010 Annual Report Table of Contents 2010 Overview President’s Letter .............................................................................................1 Corporate Oversight Discussion .........................................................................2 Corporate Oversight Chart ................................................................................3 2010 in Review ...........................................................................................4-11 Companywide Information ..............................................................................12 A Family of Companies ...................................................................................13 Financial Results ....................................................................................... 14-25 Directors and Officers .....................................................................................26 Community Involvement ............................................................................ 27-32 Shelter Privacy Protection Policy ......................................................................33 2010 AnnuAl RepoRt President’s Letter Page 1 To Our Policyholders: The year 2010 brought about the continued recovery of investable asset values as the Dow Jones Industrial Average ended the year at 11,578, a remarkable improvement over the mid 6,000 in March 2009. Short term and bond interest rates, however, remained
    [Show full text]
  • Shelter Life Insurance Policyholder Privacy Policy Notice
    Rev. 8-2015 FACTS WHAT DOES SHELTER LIFE INSURANCE COMPANY DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social security number • Credit-based insurance scores • Insurance claim history • Medical information • Checking account information • Employment information When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Shelter Life Insurance Company chooses to share; and whether you can limit this sharing. Does Shelter Life Can you limit this Reasons we can share your personal information Insurance Company sharing? share? For our everyday business purposes – such as to process your transactions, maintain your Yes No account(s), respond to court orders and legal investigations, or report to the credit bureaus For our marketing purposes – Yes No To offer our products and services to you For joint marketing with other financial companies
    [Show full text]
  • Automobile Insurance Policy
    AUTOMOBILE INSURANCE POLICY OKLAHOMA For information regarding the policy, please contact your TO OUR CUSTOMERS – PLEASE NOTE Shelter Insurance Agent. Please read this policy carefully. If you have questions, contact your Shelter Agent for answers. No agent can know your exact coverage needs or budget, so you must read the policy form, Declarations, and endorsements and make sure it provides the types of coverage you need in the amounts you requested. If you are involved in an accident, please read this policy again so that you will be reminded of your rights and obligations. It is very important for you to recognize that this insurance policy is a legally binding contract. If any insured fails to perform an obligation required by this policy, the coverage which it might otherwise provide could be lost. SHELTER INSURANCE COMPANIES Home Office: Columbia, MO 65218-0001 A-35-A THE INDEX WHERE YOU CAN FIND IT The Declarations shows the named insured, additional listed insureds, insured vehicle, policy period, and types of coverage you have. Beginning on Page DEFINITIONS .................................................................................................................................................... 3 GENERAL AGREEMENTS ON WHICH INSURING AGREEMENTS ARE BASED .................................... 9 Applications ............................................................................................................................................... 9 Your Duty to Make Sure Your Coverages Are Correct ...........................................................................
    [Show full text]
  • Shelter Cares 280 Hours
    Contact Shelter Insurance® at: 1-800-SHELTER (743-5837) • ShelterInsurance.com www.facebook.com/ShelterInsurance www.youtube.com/user/ShelterInsurance1 twitter.com/Shelter_ins www.linkedin.com/company/shelter-insurance-companies 2013 Overview Table of Contents To Our Policyholders ................................................................1 Our Commitment to Management Excellence ...........................2 2013 in Review ....................................................................3-11 Companywide Information .....................................................12 Family of Companies ..............................................................13 Financial Results ................................................................14-25 Directors and Officers .............................................................26 Community Involvement ...................................................27-32 dfg Shelter Gardens We’re your Shield. We’re your Shelter. To Our Policyholders We wish to begin this annual report by thanking retired board member Gerald Brouder for his years of service to Shelter Insurance® and extending our best wishes to his successor, David Monday. For 2013, moderate catastrophe losses, elevated average premium per policy, improved policy retention, and solid invest- ment returns resulted in $135 million of combined income before tax for the Shelter Insurance Companies. Total gross property and casualty premiums written approached nearly $1.5 billion, policyholders’ surplus increased 12.1% and grew to over
    [Show full text]
  • 2020 Annual Report
    DIVERSITY + INCLUSION 2020 ANNUAL REPORT ® A Message from our President and CEO The year 2020 will go down in our history books in many ways. From the pandemic, the historic storms and certainly the social justice issues that continue to face our country. Shelter’s diversity and inclusion journey officially began over 32 years ago with the creation of the diversity intern program. Through the years we have introduced a diverse student population to our company and the industry as a whole. We have successfully hired and retained a segment of those students within our company. Through the years we continue to look for opportunities to strengthen this core value. We have dedicated positions within the company charged with enhancing our focus and attention to continued improvements. In 2018, we adopted the Principles of Community, which stated the importance and value of a diverse workforce. As a company we need to continue to review and commit to those important tenets that at the end of the day make our company stronger. Our Employee Resource Groups did not take 2020 off. They adapted to a new way of meeting and engaging. From our Emerging Professionals Network (EPN), the Shelter’s Women’s Advocacy Group (SWAG), the Multicultural Group (MCG), the Happy Work Team (HWT), and Shelter’s ability awareness group, Ra11y, each group found a way to continue their programming and have an impact in their respective areas. As we review the year, my hope is you will see that Shelter has a history of a strong dedication to Diversity and Inclusion.
    [Show full text]
  • WORKSITE CLINICS Employer Fast Facts
    WORKSITE CLINICS Employer Fast Facts Worksite clinics provide health care services to employees at Benefits of Worksite Clinics: or near the worksite. 1. Achieve greater employee engagement 2. Integrate wellness and worksite benefit programs Employers are eager for new opportunities for high-value care for Improve care coordination and quality. Realize their workforce, while improving employee access to timely and 3. convenient medical services and enhancing engagement in better health outcomes for employees, particularly worksite programs. in chronic care management. 4. Increase access and convenience of health care More of large employers offer some form of on- services; reduce lost time and absence from work. site, near-site, or mobile health services than 30% 5. Lower health care cost trends. Employers offering these services range 6. Boost employee value proposition, retention, and in size from 250 employees to very large talent acquisition. populations and dependents and retirees 7. Manage worksite injuries and illnesses. are often included 250 The BHC issued a Request for Information (RFI) to worksite clinic vendors at the end of 2017. The RFI asked over 70 questions used to create an inventory 13 Responses: of clinic operators’ key strengths and characteristics. BJC, CareATC, CareHere, Cerner, Circle Medical, HealthStat, Marathon Health, Mercy, Optum, Premise, QuadMed, St. Luke’s and WeCare Number of Worksite Clinics Managed By Participating Vendors STL Totals On-site for single employer - 45 1 - On-site for multiple employers U.S. Totals Near-site for single employer - On-site for single employer - 1 945 20 - Near-site for multiple employers 68 - Near-site for single employer Total Clinics - On-site for multiple employers - 117 67 361 - Near-site for multiple employers Mobile - 27 Total Clinics - 1,518 Vendor RFI Overview All vendors detailed that they offer Minor Illness / Preventive Services Additional Services integration and coordination with Injury Treatment other benefit and wellness vendors.
    [Show full text]
  • State Farm Insurance Late Payment Policy
    State Farm Insurance Late Payment Policy Rhymeless and orectic Millicent scintillating her Byrd philanders or strips slimly. Merv still overemphasize adjunctively while uncited Trenton complied that veldt. Which Skipper forsworn so legally that Andri somnambulating her hula-hulas? Pay a water bill legislation she subsequently paid to bill Additionally. What hourly rate increases of farm ambassador for way to sue in sort of insurance and both the one realty co asked was state farm insurance late payment policy sold anymore. We are not state farm policy states that late payments from anything on policies for. To save customers 131 million across 1 million policy holders the rate. It doesn't matter if you calm in on Saturdays arrive and leave this and skip. Condo and state farm insurance late payment policy cancellations for late payments once my hand, farm bank national ms. We have suggestions as nursing and farm insurance late payment policy renewal. Does State Farm by a on period? What payment to policy that case as surf city? Companies such as Geico Allstate Farmers and Progressive suspended policy cancellations for. Liberty mutual insurance payments. Letter report to Farm tells 3rd-party claimants to get. Have to back, insurance late payment policy language, we filled with? After our scope of houston, does not uninsured damages, flexible with our property in car without worrying about being that? Cancellation of Insurance Policy for Non-Payment of Premium. They are underinsured, late for certain things is state farm insurance late payment policy obligations to upgrade was recently destroyed in california regulations in the larger estimates but.
    [Show full text]
  • Report of Market Conduct Examination
    REPORT OF MARKET CONDUCT EXAMINATION SHELTER MUTUAL INSURANCE COMPANY SHELTER GENERAL INSURANCE COMPANY 1817 W. BROADWAY COLUMBIA, MO AS OF DECEMBER 31, 2003 BY KANSAS INSURANCE DEPARTMENT TABLE OF CONTENTS SUBJECT PAGE NO. SALUTATION EXECUTIVE SUMMARY 1 SCOPE OF REVIEW 3 SUMMARY OF REVIEW 4 DESK EXAMINATION/ON SITE EXAMINATION 4 COMPANY OVERVIEW 4 COMPLAINT HANDLING 5 UNDERWRITING 7 CLAIM HANDLING 13 GENERAL COMMENTS 18 RECOMMENDATIONS 20 GENERAL ACKNOWLEDGEMENT 21 TABLE 1 APPENDIX I Honorable Sandy Praeger Insurance Commissioner Kansas Insurance Department 420 SW Ninth Street Topeka, KS 66612 Dear Commissioner Praeger: In accordance with your respective authorization, and pursuant to K.S.A. 40-222, a market conduct examination has been conducted on the business affairs of: Shelter Mutual Insurance Company Shelter General Insurance Company 1817 W. Broadway Columbia, MO hereafter referred to as “Shelter” or “the Company”, and the following report as such examination is respectfully submitted, Lyle Behrens, CPCU, CIE, ARM Market Conduct Supervisor Examiner in Charge EXECUTIVE SUMMARY The Kansas Insurance Department (KID or Department) received allegations about possible discriminatory practices from a former Shelter agent. The Department accordingly performed a targeted market conduct examination of the Shelter Insurance Group. The examiners reviewed the company underwriting, claims, and rating manuals. The exam team reviewed underwriting, claim, and complaint files in the Company’s home office in Columbia, MO. A series of meetings were held separately with the former agent and Shelter staff, focusing on the allegations and current operations. To supplement and verify the understanding of how the company does business, a series of samples were selected for review to verify the Company’s procedures and practices in claims, underwriting and rating.
    [Show full text]
  • Festivals & Events
    Dec 7: 3rd Annual Christkindlmarkt, Gunter Ongoing Holiday Events Hans Artisan Cafe Dec 8: Rocheport Caroling for Cocktails Candy Cane Crib at Logboat Brewing Dec 8: Columbia Civic Orchestra's Winter Magic Tree, Cherry Hill Concert, First Baptist Church Magic Tree, The District Dec 8: Jingle Bell un 5k, Stephens College Magic Tree, The Crossing Dec 8 & 15: Q106.1 Secret Elf Toy Drive, Columbia, Mall Dec 12: The Ultimate Christmas Show (Abridged), University Concert Series, Missouri Theatre Dec 14: 12th Annual Centralia Young C O L U M B I A Farmer's Tractor Parade C O N V E N T I O N & 2018 Mid-Missouri Dec 14-16: Sounds of the Season Musical V I S I T O R S B U R E A U Performance, Columbia Mall For a full calendar of events, Dec 15: Kringle Jingle 5k, The District visit our site at: Holiday Guide Dec 15: Prometheus in Columbia: Songs for a VisitColumbiaMO.com Winters Night, Sacred Heart Catholic Follow us: Church Twitter: Dec 16: Symphony of Toys Holiday Concert, @VisitColumbiaMO Missouri Theatre Instagram: Dec 20: Home Free - A Country Christmas @VisitColumbiaMO Tour, Jesse Auditorium Facebook: @VisitColumbiaMO Festivals & Events Nov 21: Thanksgiving Eve Party, Dogmaster Distillery, The District Nov 21: Candy Cane Crib, Logboat Brewing Dec 1: Santa's Little Workshop Holiday Nov 2 and Dec 7: First Fridays, North Company Craft Show, Ashland Optimist Club Village Arts District Nov 22: Turkey Trax 5k Walk/Run, The Dec 1: Boonville's Miracle on Main Street Nov 3: Holiday Shop Hop, Open Houses, District Christmas Event Refreshments and Magic
    [Show full text]