Showing posts with label Life in the United Kingdom. Show all posts
Showing posts with label Life in the United Kingdom. Show all posts

Tuesday, October 26

Disability

A disability (or lack of a given ability, as the "dis" qualifier denotes) in humans may be physical, cognitive/mental, sensory, emotional, developmental or some combination of these.

Disability, according to the World Health Organization, is "...an umbrella term, covering impairments, activity limitations, and participation restrictions. An impairment is a problem in body function or structure; an activity limitation is a difficulty encountered by an individual in executing a task or action; while a participation restriction is a problem experienced by an individual in involvement in life situations. Thus disability is a complex phenomenon, reflecting an interaction between features of a person’s body and features of the society in which he or she lives."

An individual may also qualify as disabled if he/she has had an impairment in the past or is seen as disabled based on a personal or group standard or norm. Such impairments may include physical, sensory, and cognitive or developmental disabilities. Mental disorders (also known as psychiatric or psychosocial disability) and various types of chronic disease may also qualify as disabilities.

Some advocates object to describing certain conditions (notably deafness and autism) as "disabilities", arguing that it is more appropriate to consider them developmental differences that have been unfairly stigmatized by society.

A disability may occur during a person's lifetime or may be present from birth.
nternational Symbol of Access,

Sociology of disability,
Disability studies,
 "Handicap",

Some people with disabilities do not like the term "handicap" because of a belief that it originally meant someone who could not work and went begging with their cap in hand. This, however is not the true origin of the word. It originated in a lottery game known as hand-in-cap in the 17th century which involved players placing money in a cap. It moved later into horse racing where it meant bringing the strongest competitors back to the field by giving them extra weight to carry. In golf, it became the number of strokes a player could subtract from his score to give him a chance against better players, so a bigger handicap is actually an advantage in golf. Only in 1915 did it become a term to describe disabled people, when it was used to describe crippled children.

People-first language,
The American Psychological Association style guide states that, when identifying a person with an impairment, the person's name or pronoun should come first, and descriptions of the impairment/disability should be used so that the impairment is identified, but is not modifying the person. Improper examples are "a borderline", "a blind person", or "an autistic boy"; more acceptable terminology includes "a woman with Down syndrome" or "a man who has schizophrenia". It also states that a person's adaptive equipment should be described functionally as something that assists a person, not as something that limits a person, e.g. "a woman who uses a wheelchair" rather than "a woman in/confined to a wheelchair."

A similar kind of "people-first" terminology is also used in the UK, but more often in the form "people with impairments" (e.g. "people with visual impairments"). However, in the UK, the term "disabled people" is generally preferred to "people with disabilities". It is argued under the social model that while someone's impairment (e.g. having a spinal cord injury) is an individual property, "disability" is something created by external societal factors such as a lack of wheelchair access to the workplace. This distinction between the individual property of impairment and the social property of disability is central to the social model. The term "disabled people" as a political construction is also widely used by international organisations of disabled people, such as Disabled Peoples' International (DPI).

Literature

Many books on disability and disability rights point out that "disabled" is an identity that one is not necessarily born with, as disabilities are more often acquired than congenital. Some disability rights activists use an acronym TAB, "Temporarily Able-Bodied", as a reminder that many people will develop disabilities at some point in their lives due to accidents, illness (physical, mental or emotional), or late-emerging effects of genetics.

Masculinity

According to author Daniel J. Wilson, the characteristics of masculinity include strength, activeness, speed, endurance, and courage. These characteristics are often challenged when faced with a disability and the boy or man must reshape what it means to be masculine. For example, rather than define "being a man" through what one can physically do, one must re-define it by how one faces the world with a disability and all the obstacles and stereotypes that come with the disability.

In Leonard Kriegel's book, Flying Solo, he describes his fight with poliomyelitis and the process of accepting his disability in a world that values able-bodiedness. He writes, "I had to learn to be my own hero, my own role model – which is another way of saying that I had to learn to live with neither heroes nor role models" (pg. 40).,

Femininity,

Some note that women who are disabled face what is called a "double disability", meaning they must not only deal with the stereotypes and challenges posed by femininity, but they must also deal with those posed by being disabled. Culture also tends to view women as fragile and weaker than men, stereotypes which are only heightened when a woman has a disability.

According to the "Survey of Income and Program Participation", as described in the book Gendering Disability, 74 percent of women participants and 90 percent of men participants without disabilities were employed. In comparison, of those with a form of disability, 41 percent of women and 51 percent of men were employed. Furthermore, the nondisabled women participants were paid approximately $4.00 less per hour than the nondisabled men participants. With a disability, women were paid approximately $1.00 less than the nondisabled women participants and the men were paid approximately $2.00 less than the nondisabled men participants. As these results suggest, women without disabilities face societal hardships as compared to men, but disability added to the equation increases the hardships.

Theory

The International Classification of Functioning, Disability and Health (ICF), produced by the World Health Organization, distinguishes between body functions (physiological or psychological, e.g. vision) and body structures (anatomical parts, e.g. the eye and related structures). Impairment in bodily structure or function is defined as involving an anomaly, defect, loss or other significant deviation from certain generally accepted population standards, which may fluctuate over time. Activity is defined as the execution of a task or action. The ICF lists 9 broad domains of functioning which can be affected:

* Learning and applying knowledge
* General tasks and demands
* Communication
* Basic physical mobility, Domestic life, and Self-care (i.e., activities of daily living)
* Interpersonal interactions and relationships
* Community, social and civic life, including employment
* Other major life areas

In concert with disability scholars, the introduction to the ICF states that a variety of conceptual models has been proposed to understand and explain disability and functioning, which it seeks to integrate. These models include the following:,

Medical model of disability,
The medical model is presented as viewing disability as a problem of the person, directly caused by disease, trauma, or other health condition which therefore requires sustained medical care provided in the form of individual treatment by professionals. In the medical model, management of the disability is aimed at a "cure," or the individual’s adjustment and behavioral change that would lead to an "almost-cure" or effective cure. In the medical model, medical care is viewed as the main issue, and at the political level, the principal response is that of modifying or reforming healthcare policy.,

Social model of disability,
The social model of disability sees the issue of "disability" as a socially created problem and a matter of the full integration of individuals into society (see Inclusion (disability rights)). In this model, disability is not an attribute of an individual, but rather a complex collection of conditions, many of which are created by the social environment. Hence, the management of the problem requires social action and it is the collective responsibility of society at large to make the environmental modifications necessary for the full participation of people with disabilities in all areas of social life. The issue is both cultural and ideological, requiring individual, community, and large-scale social change. From this perspective, equal access for someone with an impairment/disability is a human rights issue of major concern.

Other models

* The spectrum model refers to the range of visibility, audibility and sensibility under which mankind functions.The model asserts that disability does not necessarily mean reduced spectrum of operations.
* The moral model refers to the attitude that people are morally responsible for their own disability. For example disability may be seen as a result of bad actions of parents if congenital, or as a result of practising witchcraft if not. This attitude may also be viewed as a religious fundamentalist offshoot of the original animal roots of human beings when humans killed any baby that could not survive on its own in the wild. Echoes of this can be seen in the doctrine of karma in Indian religions.
* The expert/professional model has provided a traditional response to disability issues and can be seen as an offshoot of the medical model. Within its framework, professionals follow a process of identifying the impairment and its limitations (using the medical model), and taking the necessary action to improve the position of the disabled person. This has tended to produce a system in which an authoritarian, over-active service provider prescribes and acts for a passive client.
* The tragedy/charity model depicts disabled people as victims of circumstance who are deserving of pity. This, along with the medical model, are the models most used by non-disabled people to define and explain disability.
* The legitimacy model views disability as a value-based determination about which explanations for the atypical are legitimate for membership in the disability category. This viewpoint allows for multiple explanations and models to be considered as purposive and viable.
* The social adapted model states although a person’s disability poses some limitations in an able-bodied society, oftentimes the surrounding society and environment are more limiting than the disability itself.
* The economic model defines disability by a person’s inability to participate in work.[citation needed] It also assesses the degree to which impairment affects an individual’s productivity and the economic consequences for the individual, employer and the state.Such consequences include loss of earnings for and payment for assistance by the individual; lower profit margins for the employer; and state welfare payments. This model is directly related to the charity/tragedy model.
* The empowering model allows for the person with a disability and his/her family to decide the course of their treatment and what services they wish to benefit from. This, in turn, turns the professional into a service provider whose role is to offer guidance and carry out the client’s decisions. This model “empowers” the individual to pursue his/her own goals.
* The market model of disability is minority rights and consumerist model of disability that recognizing people with disabilities and their stakeholders as representing a large group of consumers, employees and voters. This model looks to personal identity to define disability and empowers people to chart their own destiny in everyday life, with a particular focus on economic empowerment. By this model, based on US Census data, there are 1.2 billion people in the world who consider themselves to have a disability. An additional two billion people are considered stakeholders in disability (family/friends/employers), and when combined to the number of people without disabilities, represents 53% of the population. This model states that, due to the size of the demographic, companies and governments will serve the desires, pushed by demand as the message becomes prevalent in the cultural mainstream,.

Disability Management,
Assistive technology,


Assistive Technology is a generic term for devices and modifications (for a person or within a society) that help overcome or remove a disability. The first recorded example of the use of a prosthesis dates to at least 1800 BC. The wheelchair dates from the 17th century. The curb cut is a related structural innovation. Other examples are standing frames, text telephones, accessible keyboards, large print, Braille, & speech recognition computer software. People with disabilities often develop personal or community adaptations, such as strategies to suppress tics in public (for example in Tourette's syndrome), or sign language in deaf communities. Assistive technology or interventions are sometimes controversial or rejected, for example in the controversy over cochlear implants for children.

Web accessibility and Design for All (in ICT)

As the personal computer has become more ubiquitous, various organizations have formed to develop software and hardware to make computers more accessible for people with disabilities. Some software and hardware, such as Voice Finger, SmartboxAT's The Grid, Freedom Scientific's JAWS, the Free and Open Source alternative Orca etc. have been specifically designed for people with disabilities while other software and hardware, such as Nuance's Dragon NaturallySpeaking, were not developed specifically for people with disabilities, but can be used to increase accessibility.The LOMAK keyboard was designed in New Zealand specifically for persons with disabilities. The Internet is also used by disability activists and charities to network and further their goals. Organizations, such as AbilityNet and U Can Do IT in the US, provide assessment services that determine which assistive technologies will best assist an individual client. These organizations also train disabled people in how to use computer-based assistive technology.

Adapted sports
Disabled sports

Wheelchair basketball match between South Africa and Iran at the 2008 Summer Paralympics

The Paralympic Games (meaning "alongside the Olympics") are held after the (Summer and Winter) Olympics. The Paralympic Games include athletes with a wide range of physical disabilities. In member countries organizations exist to organize competition in the Paralympic sports on levels ranging from recreational to elite (for example, BlazeSports America in the United States).

The Paralympics developed from a rehabilitation programme for British war veterans with spinal injuries. In 1948, Sir Ludwig Guttman, a neurologist working with World War II veterans with spinal injuries at Stoke Mandeville Hospital in Aylesbury in the UK, began using sport as part of the rehabilitation programmes of his patients.

In 2006, the Extremity Games was formed for people with physical disabilities, specifically limb loss or limb difference, to be able to compete in extreme sports.A manufacturer of prosthetics, College Park Industries, organized the event to give disabled athletes a venue to compete in this increasingly popular sports genre also referred to as action sports. This annual event, held in the summer in Orlando, Florida,[citation needed] includes competitions in skateboarding, wakeboarding, rock climbing, mountain biking, surfing, motocross and kayaking. Non-profit organizations have created programs to advance adaptive sports for regular recreation and sport opportunities.
Discrimination, Government policies, and support,


United Nations woks for Disables,

On December 13, 2006, the United Nations formally agreed on the Convention on the Rights of Persons with Disabilities, the first human rights treaty of the 21st century, to protect and enhance the rights and opportunities of the world's estimated 650 million disabled people. As of Autumn 2010, 95 of the 147 signatories had ratified the Convention.Countries that sign the convention are required to adopt national laws, and remove old ones, so that persons with disabilities will, for example, have equal rights to education, employment, and cultural life; to the right to own and inherit property; to not be discriminated against in marriage, etc.; to not be unwilling subjects in medical experiments.

In 1976, the United Nations launched its International Year for Disabled Persons (1981), later re-named the International Year of Disabled Persons. The UN Decade of Disabled Persons (1983–1993) featured a World Programme of Action Concerning Disabled Persons. In 1979, Frank Bowe was the only person with a disability representing any country in the planning of IYDP-1981. Today, many countries have named representatives who are themselves individuals with disabilities. The decade was closed in an address before the General Assembly by Robert Davila. Both Bowe and Davila are deaf. In 1984, UNESCO accepted sign language for use in education of deaf children and youth.,

Disables in Costa Rica,

Under the Ley de Igualdad de Oportunidades (Law of Equal Opportunities), no person can be discriminated by their disabilities if they are equally capable as another person. This law also promotes that public places and transport should have facilities that enable people with disabilities to access them.

May 28 is the Día Nacional de la Persona con Discapacidad (National Disabled People Day) to promote respect for this population.

Currently the political party Partido de Acceso Sin Exclusión (Access Without Exclusion Party) fights for the rights of disabled persons, and one congressman, Oscar López, who is blind.,

Disables in United Kingdom,

Under the Disability Discrimination Act (DDA) (1995, extended in 2005), it is unlawful for organisations to discriminate (treat a disabled person less favourably, for reasons related to the person's disability, without justification) in employment; access to goods, facilities, services; managing, buying or renting land or property; education. Businesses must make "reasonable adjustments" to their policies or practices, or physical aspects of their premises, to avoid indirect discrimination.

A number of financial and care support services are available, including Incapacity Benefit and Disability Living Allowance.,

Employment for Disables,

The Employers' Forum on Disability (EFD) is a membership organisation of UK businesses. Following the introduction of the DDA the membership of EFD recognised the need for a tool with which they could measure their performance on disability year on year.

In 2005 80 organisations took part in the Disability Standard benchmark providing the first statistics highlighting the UK's performance as a nation of employers.

Following the success of the first benchmark Disability Standard 2007 saw the introduction of the Chief Executives' Diamond Awards for outstanding performance and 116 organisations taking the opportunity to compare trends across a large group of UK employers and monitor the progress they had made on disability.

2009 will see the third benchmark, Disability Standard 2009. EFD have promised that for the first time they will publish a list of the top ten performers who will be honoured at an award ceremony in December 2009.,

Disables in United States,
Discrimination in employment,

The US Rehabilitation Act of 1973 requires all organizations that receive government funding to provide accessibility programs and services. A more recent law, the Americans with Disabilities Act of 1990 (ADA), which came into effect in 1992, prohibits private employers, state and local governments, employment agencies and labor unions from discriminating against qualified individuals with disabilities in job application procedures, hiring, firing, advancement, compensation, job training, or in the terms, conditions and privileges of employment. This includes organizations like retail businesses, movie theaters, and restaurants. They must make "reasonable accommodation" to people with different needs. Protection is extended to anyone with (A) a physical or mental impairment that substantially limits one or more of the major life activities of an individual, (B) a record of such an impairment, or (C) being regarded as having such an impairment. The second and third criteria are seen as ensuring protection from unjust discrimination based on a perception of risk, just because someone has a record of impairment or appears to have a disability or illness (e.g. features which may be erroneously taken as signs of an illness),.


African Americans and disability,

According to the 2000 U.S. Census, the African American community has the highest rate of disability at 20.8 percent, slightly higher than the overall disability rate of 19.4%.Although people have come to better understand and accept different types of disability, there still remains a stigma attached to the disabled community. African Americans with a disability are subject to not only this stigma but also to the additional forces of race discrimination. African American women who have a disability face tremendous discrimination due to their condition, race, and gender. Doctor Eddie Glenn of Howard University describes this situation as the "triple jeopardy" syndrome.,


Social Security Administration for Disables,

The US Social Security Administration defines disability in terms of inability to perform substantial gainful activity (SGA), by which it means “work paying minimum wage or better”. The agency pairs SGA with a "listing" of medical conditions that qualify individuals for benefits.,

Education for Disables,

Under the Individuals with Disabilities Education Act, special educational support is limited to children and youth falling into one of a dozen disability categories (e.g., specific learning disability) and adds that, to be eligible, students may require both special education (modified instruction) and related services (supports such as speech and language pathology).,

Insurance for Disables,

It is illegal for California insurers to refuse to provide car insurance to properly licensed drivers solely because they have a disability. It is also illegal for them to refuse to provide car insurance "on the basis that the owner of the motor vehicle to be insured is blind," but they are allowed to exclude coverage for injuries and damages incurred while a blind unlicensed owner is actually operating the vehicle (the law is apparently structured to allow blind people to buy and insure cars which their friends, family, and caretakers can drive for them).,

Demographics,
Disables Difficulties in measuring,

The demography of disability is difficult. Counting persons with disabilities is challenging. That is because disability is not just a status condition, entirely contained within the individual. Rather, it is an interaction between medical status (say, having low vision or being blind) and the environment.,

Estimates worldwide Disables,

Estimates of worldwide and country-wide numbers of individuals with disabilities are problematic. The varying approaches taken to defining disability notwithstanding, demographers agree that the world population of individuals with disabilities is very large. For example, in 2004, the World Health Organization estimated a world population of 6.5 billion people, of those nearly 100 million people were estimated to be moderately or severely disabled. In the United States, Americans with disabilities constitute the third-largest minority (after persons of Hispanic origin and African Americans); all three of those minority groups number in the 30-some millions in America. According to the U.S. Bureau of the Census, as of 2004, there were some 32 million disabled adults (aged 18 or over) in the United States, plus another 5 million children and youth (under age 18). If one were to add impairments—or limitations that fall short of being disabilities—Census estimates put the figure at 51 million.

There is also widespread agreement among experts in the field that disability is more common in developing than in developed nations.

Nearly eight million men in Europe returned from the World War I permanently disabled by injury or disease.

About 150,000 Vietnam veterans came home wounded, and at least 21,000 were permanently disabled.The number of disabled U.S. veterans has jumped by 25% since 2001 — to 2.9 million.

After years of war in Afghanistan, there are more than one million disabled people. This is one of the highest percentages anywhere in the world. An estimated 80,000 Afghans have lost limbs, mainly as a result of landmines.,

Political issues Disability,

Political rights, social inclusion and citizenship have come to the fore in developed and some developing countries. The debate has moved beyond a concern about the perceived cost of maintaining dependent people with disabilities to an effort of finding effective ways to ensure that people with disabilities can participate in and contribute to society in all spheres of life.

Many are concerned, however, that the greatest need is in developing nations—where the vast bulk of the estimated 650 million people with disabilities reside. A great deal of work is needed to address concerns ranging from accessibility and education to self-empowerment and self-supporting employment and beyond.

In the past few years, disability rights activists have also focused on obtaining full citizenship for the disabled.

However obstacles reside in some countries in getting full employment, also public perception of disabled people may vary in areas.,

Disability rights movement in world,

The disability rights movement, led by individuals with disabilities, began in the 1970s. This self-advocacy is often seen as largely responsible for the shift toward independent living and accessibility. The term "Independent Living" was taken from 1959 California legislation which enabled people who had acquired a disability due to polio to leave hospital wards and move back into the community with the help of cash benefits for the purchase of personal assistance with the activities of daily living.

With its origins in the U.S. civil rights and consumer movements of the late 1960s, the movement and its philosophy have since spread to other continents influencing self-perception, organization and social policy.,

Disability insurance system,

Disability benefit, or disability pension, is a major kind of disability insurance, and is provided by government agencies to people who are temporarily or permanently unable to work due to a disability. In the U.S., disability benefit is provided within the category of Supplemental Security Income, and in Canada, within the Canada Pension Plan. In other countries, disability benefit may be provided under Social security systems.

Costs of disability pensions are steadily growing in Western countries, mainly European and the United States. It was reported that in the UK, expenditure on disability pensions accounted for 0.9% of Gross Domestic Product (GDP) in 1980, but two decades later had reached 2.6% of GDP. Several studies have reported a link between increased absence from work due to sickness and elevated risk of future disability pension.

A study by researchers in Denmark suggests that information on self-reported days of absence due to sickness can be used to effectively identify future potential groups for disability pension. These studies may provide useful information for policy makers, case managing authorities, employers, and physicians.

Private, for-profit disability insurance plays a role in providing incomes to disabled people, but the nationalized programs are the safety net that catch most claimants.
Permanent short link for Go Daddy.com Just ez2.me
Spring Savings! $7.99 .com
Next time for Go Daddy: Easy to you just www.ez2.me Dadicated link for Go Daddy.com Just ez2.me

Structured Settlements in the United States

A structured settlement is a financial or insurance arrangement, including periodic payments, that a claimant accepts to resolve a personal injury tort claim or to compromise a statutory periodic payment obligation. Structured settlements were first utilized in Canada and the United States during the 1970s as an alternative to lump sum settlements. Structured settlements are now part of the statutory tort law of several common law countries including Australia, Canada, England and the United States. Structured settlements may include income tax and spendthrift requirements as well as benefits and are considered to be an asset backed security. Often the structured settlement will be created through the purchase of one or more annuities, which guarantee the future payments. Structured settlement payments are sometimes called “periodic payments” and when incorporated into a trial judgment is called a “periodic payment judgment." This is also called a coupon for a regular bond.

Structured Settlements in the United States

The United States has enacted structured settlement laws and regulations at both the federal and state levels. Federal structured settlement laws include sections of the (federal) Internal Revenue Code. State structured settlement laws include structured settlement protection statutes and periodic payment of judgment statutes. Medicaid and Medicare laws and regulations affect structured settlements. To preserve a claimant’s Medicare and Medicaid benefits, structured settlement payments may be incorporated into “Medicare Set Aside Arrangements” “Special Needs Trusts."

Structured settlements have been endorsed by many of the nation's largest disability rights organizations, including the American Association of People with Disabilities  and the National Organization on Disability.

In April 2009, financial writer Suze Orman wrote in a column  that structured settlements "provide ongoing income and reduce the risk of blowing a Lump sum through poor financial choices." In response to a reader's question, she added that financial security can be improved "if you use the structured payouts wisely.",


Structured Settlements Definitions,

A definition of “structured settlement” can be found in Internal Revenue Code Section 5891(c)(1) (26 U.S.C. § 5891(c)(1)), which states that a structured settlement is an "arrangement" that meets the following requirements:

* A structured settlement must be established by:
o A suit or agreement for periodic payment of damages excludable from gross income under Internal Revenue Code Section 104(a)(2) (26 U.S.C. § 104(a)(2)); or
o An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Internal Revenue Code Section 104(a)(1) (26 U.S.C. § 104(a)(1)); and
* The periodic payments must be of the character described in subparagraphs (A) and (B) of Internal Revenue Code Section 130(c)(2) (26 U.S.C. § 130(c)(2))) and must be payable by a person who:
o Is a party to the suit or agreement or to a workers' compensation claim; or
o By a person who has assumed the liability for such periodic payments under a qualified assignment in accordance with Internal Revenue Code Section 130 (26 U.S.C. § 130).

It is important to note that the language immediately prior to Internal Revenue Code Section 5891(c)(1) states that the definition that appears there is "for the purposes of this section". Internal Revenue Code Section 5891 entitled "Structured Settlement Factoring Transactions" deals with the excise tax imposed on the "factoring discount" (see IRC 5891(c)(4)), when there is a purchase of structured settlement payment rights and the exceptions to the excise tax. A number of structured settlement industry commentators have been observed attempting to broaden the express language that appears in the Internal Revenue Code.,


Structured Settlements Legal Structure,

The typical structured settlement arises and is structured as follows: An injured party (the claimant) settles a tort suit with the defendant (or its insurance carrier) pursuant to a settlement agreement that provides that, in exchange for the claimant's securing the dismissal of the lawsuit, the defendant (or, more commonly, its insurer) agrees to make a series of periodic payments over time. The defendant, or the property/casualty insurance company, thus finds itself with a long-term payment obligation to the claimant. To fund this obligation, the property/casualty insurer generally takes one of two typical approaches: It either purchases an annuity from a life insurance company (an arrangement called a "buy and hold" case) or it assigns (or, more properly, delegates) its periodic payment obligation to a third party ("assigned case") which in turn purchases a "qualified funding asset" to finance the assigned periodic payment obligation. Pursuant to IRC 130(d) a "qualified funding asset" may be an annuity or an obligation of the United States government.

In an unassigned case, the defendant or property/casualty insurer retains the periodic payment obligation and funds it by purchasing an annuity from a life insurance company, thereby offsetting its obligation with a matching asset. The payment stream purchased under the annuity matches exactly, in timing and amounts, the periodic payments agreed to in the settlement agreement. The defendant or property/casualty company owns the annuity and names the claimant as the payee under the annuity, thereby directing the annuity issuer to send payments directly to the claimant. If any of the periodic payments are life-contingent (i.e., the obligation to make a payment is contingent on someone continuing to be alive), then the claimant (or whoever is determined to be the measuring life) is named as the annuitant or measuring life under the annuity.

In an assigned case, the defendant or property/casualty company does not wish to retain the long-term periodic payment obligation on its books. Accordingly, the defendant or property/casualty insurer transfers the obligation, through a legal device called a qualified assignment, to a third party. The third party, called an assignment company, will require the defendant or property/casualty company to pay it an amount sufficient to enable it to buy an annuity that will fund its newly accepted periodic payment obligation. If the claimant consents to the transfer of the periodic payment obligation (either in the settlement agreement or, failing that, in a special form of qualified assignment known as a qualified assignment and release), the defendant and/or its property/casualty company has no further liability to make the periodic payments. This method of substituting the obligor is desirable for defendants or property/casualty companies that do not want to retain the periodic payment obligation on their books. A qualified assignment is also advantageous for the claimant as it will not have to rely on the continued credit of the defendant or property/casualty company as a general creditor. Typically, an assignment company is an affiliate of the life insurance company from which the annuity is purchased.

An assignment is said to be "qualified" if it satisfies the criteria set forth in Internal Revenue Code Section 130 . Qualification of the assignment is important to assignment companies because without it the amount they receive to induce them to accept periodic payment obligations would be considered income for federal income tax purposes. If an assignment qualifies under Section 130, however, the amount received is excluded from the income of the assignment company. This provision of the tax code was enacted to encourage assigned cases; without it, assignment companies would owe federal income taxes but would typically have no source from which to make the payments.,

Structured Settlements Appears In,

* JG Wentworth is the largest buyer of structured settlements in the US. The company is best known for the "Opera" commercial that appeared in early 2010 on most cable channels in the continental United States. J.G. Wentworth's commercials are often considered to be over the top and many parodies have been born from it ever since.,

Permanent short link for Go Daddy.com Just ez2.me
Spring Savings! $7.99 .com
Next time for Go Daddy: Easy to you just www.ez2.me Dadicated link for Go Daddy.com Just ez2.me

Friday, August 20

Live in Germany

Live in Germany,
Live in Germany is a live album released by Rainbow in 1990. The tracks are cherry-picked from a series of German dates (Cologne, Düsseldorf and Nuremberg) recorded on the world tour in 1976. It was re-released two years later in the USA as Live in Europe on a different label. The content is the same for both although sleeve notes differ. A remixed 6 CD box set featuring all three German dates recorded in 1976 was released in Japan in 2006, with each concert being released as a separate 2-CD package in Europe through the year. This album also contains the same setlist as the Live Album "Live In Cologne 1976".

Track listing

All songs written by Ronnie James Dio and Ritchie Blackmore except where indicated

Disc 1
"Kill the King" (Dio, Blackmore, Cozy Powell) – 5:25
"Mistreated" (David Coverdale, Ritchie Blackmore) – 16:00
"Sixteenth Century Greensleeves" – 7:50
"Catch the Rainbow" – 14:50

Disc 2
"Man on the Silver Mountain" – 13:37
"Stargazer" – 17:10
"Still I'm Sad" (Paul Samwell-Smith, Jim McCarty) – 15:00
"Do You Close Your Eyes" – 9:45

(source:wikipedia)

Live in Australia

Live in Australia
Live in Australia is a 2008 live album by American rock musician Chris Isaak. The album was recorded in Melbourne, Australia in 2006.
Track listing

Speak of the Devil - 4:15
Let Me Down Easy - 4:05
Intro (To "I'll Go Crazy") - 1:37
I'll Go Crazy - 3:13
Go Walkin' Down There - 3:43
Wicked Game - 5:02
Lonely with a Broken Heart - 2:49
Intro (To "Baby Did a Bad Bad Thing") - 1:28
Baby Did a Bad Bad Thing - 4:26
This Love Will Last - 3:13
Waiting - 3:04
Blue Darlin' - 3:31
Intro (To "Only the Lonely") - 2:03
Only the Lonely - 2:51
One Day - 4:19
Somebody's Crying - 2:49
Blue Hotel - 3:14
San Francisco Days - 4:04
Dancin' - 4:08
Blue Spanish Sky - 3:57
American Boy (iTunes Store exclusive track) – 3:08

(source:wikipedia)

Life in the United Kingdom

Life in the United Kingdom,
The Life in the United Kingdom test is a computer-based test for individuals seeking Indefinite Leave to Remain in the UK or naturalisation as a British citizen. The test is a requirement under the Nationality, Immigration and Asylum Act 2002.

Purpose of the test
A pass in the test fulfils the requirements for "sufficient knowledge of life in the United Kingdom" which were introduced for naturalisation on 1 November 2005 and which were introduced for settlement on 2 April 2007. It simultaneously fulfils the language requirement by demonstrating "a sufficient knowledge" of the English language.
Legally, sufficient knowledge of Welsh and Scottish Gaelic can also be used to fulfil the language requirement. Home Office guidance states that if anyone wishes to take the test in these languages (for instance Gaelic‐speaking Canadians or Welsh‐speaking Argentinians) arrangements will be made for them to do so. In practice, very few, if any, take the test in a language other than English.
An alternative method of satisfying the language and life in the UK requirements is to complete a course of "language-with-civic-content" based on a set of published materials. These courses are often referred to as "ESOL with Citizenship" and lead to a nationally-accredited ESOL (English for Speakers of Other Languages) certificate. It is the certificate which fulfils the requirement for sufficient language and knowledge of life in the UK. The course has to be studied at an accredited college for it to be valid otherwise the certificates will not be accepted by the Home Office. The full name of the course is “ESOL with Citizenship: Skills for Life”.
The concept was recommended in 2003 by the "Life in the UK" advisory group, chaired by Sir Bernard Crick, and was endorsed by the then United Kingdom Home Secretary David Blunkett.

Content of the test

The test lasts for 45 minutes during which time the entrants have to answer 24 multiple choice questions. To pass the test, the student must receive a grade of 75% or higher (at least 18 correct answers out of 24 questions).
From November 2005 to March 2007, the questions for the test were based on chapters 2 to 4 of the book Life in the United Kingdom: A Journey to Citizenship. However, from 2 April 2007, a new version of the test is based on chapters 2 to 6 of a revised handbook, published on 27 March 2007. The additional chapters cover knowledge and understanding of employment matters and everyday needs such as housing, money, health and education. The testable materials within the revised second edition handbook total 21,400 words, which is nearly 10,000 words longer than the original materials.
The official test website includes a section describing “What you need to know” for each chapter, but the questions are not in the multiple choice format of the real test.
At the time of the initial introduction the materials were primarily about England, but the second edition of the handbook contains more detail about aspects of life in the United Kingdom which differ in Wales, Northern Ireland and Scotland. Applicants taking the test receive a version tailored to where they live; for example, candidates in Scotland will be asked about the Scottish Parliament, but not about the Welsh Assembly.

Speculation about the test

Discussion about the test on or before its launch produced a lot of speculation about possible questions in the British media. Most of these were not based on factual information about what the test required, and in particular a semi-serious BBC-devised test was often quoted as being the real thing.
Another report in the Guardian suggested questions such as:
Who is the prime minister?
As of May 2010, the answer is “The Right Honourable David William Donald Cameron, Member of Parliament.”
How do you pay a phone bill?
In the UK, you pay your landline phone bill by either direct debit or filling the slip at the bottom with the payment at a post office (through Girobank) or bank.
How did the United Kingdom come about?
Through the Acts of Union in 1707 (to form the Kingdom of Great Britain) and in 1800 (to form the United Kingdom of Great Britain and Ireland).
When was Britain last invaded?
1066, although, there was a failed invasion in 1797 in Fishguard by French forces. It is also possible to consider as an invasion the "Glorious Revolution" of 1688 which saw William of Orange sail through the channel in a fleet larger than the Spanish Armada, and then march on London with an army of around 20,000.

Errors and inaccuracies in the material


This section may contain original research. Please improve it by verifying the claims made and adding references. Statements consisting only of original research may be removed. More details may be available on the talk page. (February 2009)
There were many critics of the first edition study materials for the test. Some of the claims in the handbook were factually incorrect.A revised handbook was published in April 2007 which corrected all of the following inaccuracies:
Claim: Describing the fighter pilots in the Second World War, Winston Churchill said: "Never in the course of human conflict have so many owed so much to so few."
Fact: He actually said: "Never in the field of human conflict was so much owed by so many to so few."
Claim: Queen Mary "came to the throne with Spanish support".
Fact: Mary defeated Lady Jane Grey's bid to usurp the throne with a huge wave of English support
Claim: Great Britain includes Northern Ireland.
Fact: The United Kingdom includes Northern Ireland. Great Britain is the island comprising the majority of England, Wales and Scotland.
Claim: Charles II was recalled from exile in France.
Fact: He was recalled from Holland.
Claim: The European Union was founded by five members Belgium, France, West Germany, Luxembourg and Netherlands.
Fact: There were six founding members. Italy is missing as a founding member state of the European Union (then known as the European Economic Community).
The current edition still contains inaccuracies, however:
Claim: The law states that children between the ages of 5 and 16 must attend school.
Fact: Children between the ages of 5 and 16 must be educated. This education may be provided at school or otherwise (for example, home education or private tutoring). Many questions state or suggest that school attendance is compulsory, which is untrue.
Claim: Births must be registered within 6 weeks (42 days).
Fact: Births in England and Wales must be registered within 6 weeks. In Scotland this figure is 21 days.

British nationality law
Immigration to the United Kingdom
Further reading

Crick, Bernard (2004). Life in the United Kingdom: A Journey to Citizenship. The Stationery Office. ISBN 0-11-341302-5. – now out of print
Home Office (2007). Life in the United Kingdom: A Journey to Citizenship (Second Edition). The Stationery Office. ISBN 978-0-11-341313-3.

(source:wikipedia)