what is the best info. source for current insurance claims individual file on a current disaster for ins.adjusters
Question:
what report gives detail on number of adjusters mortal called out to which event ,how frequent claims are being reported, dollar amount of pull expected from the event and breaking news that may concern insurance personal
Answer:
You're not going to know how to get ANY information on any claim except one which you wallet. Sorry.
You'll have to read the journalists. Insurance companies closely guard that as proprietary information, and much of it is subject to the privacy laws.
Am i tied into ppp insurance on my loan?
Question:
what is the fsa ruling on ppp loan protection
Answer:
Loan insurance.
If you have get the loan from your bank - no problem, a moment ago call them and explain to them that you no longer need it. There are no specifics from the FSA that say you can't do it.
Good luck
Are productive purchase receipts required to label an insurance claim on stolen merchandise?
Question:
Answer:
They do ask for receipts on some claims. Not always, but if it looks suspicious, or if you are claiming a huge amount on a as a rule average item (i.e. custom golf clubs that you placed a value of $6500.00) they are going to want a acceptance.
. I'm not sure it's required in adjectives circumstances. It might depend on what kind of dutiful were stolen. You would obligation to check with your specific insurance company to brand sure
No. In many cases they will adopt an estimate of how muh it would cost to replace. Call your insurer for a claim form and it will come with instructions on this.
It depends on your policy. You unanimously need to prove you have the items to begin next to. If you paid for them beside a credit card then you can probably attain past receipts from the credit card company.
Otherwise look for any proof you can find. Even a picture of you next to the item in the conditions will do. I know many family who walk through their homes next to a video camera every year just for this purpose.
If nil else get a signed affidavit from someone who know you had the item and try your best.
No. You can also use credit card statements, or cancelled checks. Or to prove you owned them, photos fo you wearing them, or sitting contained by the backround of your house.
May not be required but they sure help to hasten the process.
Top existence insurance companies within india?
Question:
Answer:
LIC
ICICI
HDFC
and so many jus to term a few
some are life insurance cooperation of india
relience go insurance
ing vysa
birla sun life
met duration
iffcko-tokyo
prudentail icici
tata insurance etc.
LIC,ICICI Prudential, Bajaj Alliance
(1). Life Insurance corporation of India, because, policyholders
can pay any branch department in india ( immediately it has be Centralised) so many branches contained by India. It is under govt. of India undertakings). You can trust it 100%.
(2) Icici Lombard insurance policy (life) hold morethan branches,
whether the policyholders pays their premium easily, But, it is underneath under RBI, consequently TATA AIG.
But, I do think, pl, do your policy at LICI OF INDIA, old age benifit,
clame settlement, mid term facility is much better than other companies. An lic policy from LICI OF INDIA, can effortlessly mortgage
to anywhere.
there r plentiful companies in india
privet and goverment also
LIC,
UNITED INSURANCEOF INDIA,
ICICI PRO. LIFE INSURANCE,
LIC surrounded by public sector and ICICI in private sector within top
hi! there are probably more than fifteen players surrounded by the Indian market. But the highest share holders are LIC, ICICI, MetLife India, Tata AIG, Bajaj Alainz, Max Life ,HDFC, SBI Life, etc...
Insurance industry, earlier comprised of solely two state insurers.
Life Insurers ie Life Insurance Corporation of India (LIC) and General Insurers ie General Insurance Corporation of India (GIC) GIC had four subsidary companies.
With effect from Dec'2000, these subsidaries enjoy been de-linked from parent company and made as an independent insurance companies. Oriental Insurance Company Limited, New India Assurance Company Limited, National Insurance Company Limited and United India Insurance Company Limited.
The first shipment of licenses be issued by the Insurance Regulatory and Development Authority (IRDA) in 2001. At present following are the players contained by the Indian Market:
LIFE INSURERS:
1. ALLIANZ BAJAJ LIFE INSURANCE CO. LTD.
2. AMP SANMAR ASSURANCE CO. LTD.
3. BIRLA SUN LIFE INSURANCE CO. LTD.
4. DABUR CGU LIFE INSURANCE COMPANY PVT. LTD.
5. HDFC STANDARD LIFE INSURANCE CO. LTD.
6. ICICI PRUDENTIAL LIFE INSURANCE CO. LTD.
7. ING VYSYA LIFE INSURANCE CO. PVT. LTD.
8. LIFE INSURANCE CORPORATION OF INDIA.
9. MAX NEW YORK LIFE INSURANCE CO. LTD.
10. METLIFE INDIA INSURANCE CO. PVT. LTD.
11. OM KOTAK MAHINDRA LIFE INSURANCE CO. LTD.
12. SBI LIFE INSURANCE CO. LTD.
13. TATA AIG LIFE INSURANCE CO. LTD.
see the list
within India LIC is leading role within India in Public sector Life Indusrance Company within Private Life insurance Companies ICICI Prudential is best as No.1 and Bajaj Allianz , Metlife, ING Vysys, Birlasunlife, SBI, AVIVA, etc.
Can MEDICAID discharge for my insurance I take from work?
Question:
I was told from my Human Resources (HR) Department that if I own MEDICAID (which my new born quilfies for 1 year), they can clear for my health plan (which would include my family) that I would recieve from work. I can't afford condition insurance that I have next to them but if what if HR is telling me is true, worth MEDICAID would prefer to pay for my monthly premium fairly then the hospital bill(s), I would resembling to take that route. I currently do hold the expensive Health Ins. from my work for my other child, wife, me, and soon for the new born. If medicaid can rate that, that would help my out greatly. But past I stur the pot and start asking MEDICAID these questions, I considered necessary to get RunEye.com thoughts 1stMaybe someone out in attendance is in like peas in a pod situation as me. Thanks in credit.
Answer:
This is going to completely depend on the state in which you live.
You own to remember that even though Medicaid is paid for through federal dollars, respectively state implements the program on their own. And each state have their own set of rules for qualification.
My state does not cover newborns beneath the Medicaid program and does not allow Medicaid dollars to be used to pay hand health insurance premiumsalthough it is a exceedingly, very right idea within the drive to combat the growing ranks of the uninsured.
If you work for a large employer, that employer offer you health coverage lower than what is known as a 'self-insured' ERISA plan where on earth the employer hires a third party (many times that third participant administrator is also an insurance company) and pays claims themselvesit is NOT insurance...even though you pay a monthly 'premium' it is not really a premium but you are helping recompense those 'self insured' health claims.
So to enjoy Medicaid paying your employer for health coverage that they self-fund anyway is for a moment bit weird and open the door to all kind of mischief...especially since big employers already win all kind of tax breaks for offering ERISA coverage anyway..that's approaching being triple rewarded for the same single coverage.
You should contact your state Department of Human Services and find out what their Medicaid rules are.
Group robustness at work is primary and then Medicaid kick in...
I don't imagine so. I know you have to own one or the other, unless you have SERIOUS medical issues, after you can have medicaid as a inferior. Medicaid is meant for those who can't afford to own other insurance, not to cover the premiums of their insurance.
On a side note, this really burns me - how dare general public take a free ride on my tax-paying pay for!
Primerica Term Life insurance - Is it any pious?
Question:
I have be hearing mostly doomed to failure things about Primerca as a company as a adjectives and only a few angelic things but mostly bad. However i am more interested contained by their Term life insurance policies. Is anybody farmiliar whit it that can extend me some guidance.
Answer:
Term insurance is throwing away money but so is car insurance so again who care. Get the cheapest policy from a company that you like ( I use Hartford -they own convertability or John Hancock- convertability as well.) I continually trash Primerica because their agents know NOTHING in the order of wealth admin. So F^&*%$ what they are a Citi Company. Northwestern and Primerica and so many other insurance companies train agents to continually vend more insurance. Heres the facts. I manage money for a living. I enjoy been within the wealth direction business for quite some time. Last year I did a ridiculous amount of insurance premium. Not once did I ask for the business or be pushy. I solve problems, i.e. correcting mistakes of college kids who are all full of piss and vinegar and basically sell because they necessitate money. Just stay away. Your best bet is to call someone at a main wall street brokerage, discuss what you are looking for and if he/she doesnt do insurance, ask him who he refers his clients to. This way you own a third party mention from a source who is reputable and will not let you return with screwed. Anyone who asks for referrals after they "certainty find" or "interview you" is a crook. (All Bs. asideget a policy with convertability route. You may want or even need undamaged life or UL somewhere down the road. Its worth the extra few bucks if you consider it might make sense subsequent in energy.
avoid them. they are the old a.l. williams, a really chec kered history in the industry
Good products, offered by MLM hack. The company's business model is the most irresponsible in the industry, but the products are fine (AM Best A+) as long as you hold no need for a convertibility substitute. They don't offer one. Typically, possession coverage can be found with greater option for less premium.
near are so many more reputable duration insurance companies available to you for good occupancy policies that you'd be sily to buy from primerica. and because most of the top life companies treat residence as a commodity and starter product, you wouldn't go wrong buying from any of them: bright york life, prudential, john hancock, metlife, guardian. transport your choice.
Most of the bad things you hear are empire who don't like the business opportunity and they meditate its a scam or whatever. Then there's those other agents from other financial companies saw bad stuff as in good health because they hate Primerica and manufacture stories up. Who you going to trust your sources on? People who probably never had experience within the company or people who be in the business for a long time? Its close to you trying to get some information just about life on a college campus and you speak to a drop-out college student who have no clue what he/she is talking in the order of.
Here is the real facts around Primerica: 1) They are a Citi company that targets middle income family. 2) They have over 6 million clients worldwide 3) Over 100,000 agents and lone 29% of them are securities licensed 4) They are a member of the Better Business Bureau 5) Only company that sell term insurance and invest the difference 100% of the time.
Anyway, I intuitively own a 30 year term through them. I bought it at age 24 next to $150,000 coverage. I pay around $25/month for it. I surmise their service side is very devout because they taught how to build success for retirement and show me how to pay past its sell-by date my student loan faster. If I never met them, I probably will never buy life insurance or see the explanation for it, probably never open my own Roth IRA and put adjectives my money in a funds acount, and just verbs paying the minimum on my student loan.
Here are some other benefits in my residence policy: 1) I can renew it in 30 years in need providing proof of insurability 2) If I become terminally ill, I can use 40% of the disappearance benefit.
Some riders you can add to the policy: 1) If you enjoy a spouse, you can add a spouse rider so that both of you are covered within the same policy and qualify for coverage breakpoints. (if your spouse bought his/her own policy, it will cost more). 2) If you reflect on there's a chance you become disabled contained by the future, you can give a disability waiver of premium rider (it will cost you few more dollars to get this protection). 3) If you own children, you can add a child rider of coverage up to $10,000.
If you are not interested contained by their life insurance, you are making right choice for considering residence insurance. But you should check out what else they can do for you. If you have debt, they can show you how to foot it off faster. If you hold investments and have no clue how it is doing, they can find out and recommend you investments that have outperform your investments. If you don't have any investments, you better start investing because thats the simply way you going to hoard lots of wealth for retirement.
I chew over its very angelic and the agent that spoke to me was terrifically professional and answer all my question. They also help me surrounded by other areas, which "Doing The Right Thing" described.
They wanted me to sign on the business opportunity so that I can help my friends and kith and kin, but I wasn't interested because I'm lazy and not a individuals person. I didn't want to budge through the training classes or pay for the license. I don't want to recruit relations either because associates are weird. So I only refer the agent to who I know.
The insurance is just fine. The company have an A+ rating. But you can certainly find possession life on the trellis for much less. Check out Banner Life. They are strong to beat.
** There is another product you should know something like. Return of Premium Term Life insurance. More expensive than regular term, but still greatly affordable in most cases. Anyway... if you hold on to your policy in force for the full length of your possession, (e.g. 15, 20 or 30 years), at the end of the occupancy, you receive 100% of your money back! No kid.
It's protection if you need it and your money wager on if you don't.
Some people deem it's a gimmick, but I'm an agent and I believe in it. It's not for everyone. If you don't estimate you can keep the plan within force for the entire length of the term, afterwards just buy regular cheap permanent status. But if you are the type of person to stick beside a program, you WILL receive 100% of all premiums you've salaried in as long as the policy is surrounded by force at the end of your possession. Check it out and good luck to you! :)
please please please this is urgent.. i get pulled over surrounded by my moms sports car.. will it show up on insurance?
Question:
i wasnt supposed to have her coup¨¦ and i got 2 tickets.. one for running a stop sign and the other for abuse my permit.. i plan on describing her but i dont want her insurance to go up becuz of my mistake.. HELP PLEASE
Answer:
It will eventually.
Here's how it happen.
Once you officially plead guilty and earnings your fine (how are you going to do that?) the information will go into your state's driver's license background base.
Each dark, your state's DL database is tapped by a company call ChoicePoint.
ChoicePoint will get the ruin information and compare the name information beside the name information it have in its database.
Then on a routine justification...sometimes as quickly as the subsequent day...sometimes as much as a month following...your insurer will get a download of adjectives new vandalism information for its policyholders.
Depending on your parent's insurer, the length of time they've be insured with them and the insurer's own policies on teen driver violation, you may end up getting a message sent to your parent notifying them of a possible premium increase.
Since you are already within the highest risk category you can be almost consistent that there is going to be a exceedingly substantial premium hike.
You should volunteer to compensate the extra and get a duty to pay for it. While you are working away at that jobspend your free thought time working thinking more or less how bad a ruling it was to transport the car in need permission and after to drive badly when you did.
Just envisage how bad it could hold been if for a while kid had be walking across the crosswalk of the stop sign you blew.
You should offer to steal a defensive driving course and agree to place voluntary restrictions on your driving.
You should simply drive to and from school and work and ONLY during sunlight hours.
Under no circumstances should you use a cell phone while driving (unless it is a legitimate emergency).
And, you should not enjoy ANY other teens in the sports car with you when you are driving.
Most cruel accidents involving teen drivers (either slaughter themself or somebody with them or another cars occupants) start at night next to other teens in the sports car and usually involve some sort of inattentive driving. Avoid those circumstances and you will be a safer driver.
your screwed..fess up and quick
her's wont but yours will..
You inevitability to tell her immediately and she'll let you live. If your antiquated enough to drive- and in a minute your old adequate to take on more responsibility.
You don't even hold a license yet and you already made two blunders. You necessitate to be very, terrifically careful. Driving is a privilage-not to be taken delicately. Give yourself a good scolding!
You have need of to tell your Mom the truth and as much as it sucks, you stipulation to recognize adjectives of the wrong things you did. I'm not sure of the laws contained by your state but in my state, near two violations when you solitary have a voucher you wouldn't be getting you driver's license until you were 18 or 21. Which, when you suppose about what happen, might not be such a bad impression. Do you have a institution driver's ed teacher that could answer this for you, because as I said, it differs by state.
While the other answers are correct -- your insurance will travel up and not your mother's -- if you are covered under your mother's policy, after the overall premium *will* go up. So, you might want to plan to discharge her for the difference.
Unfortunately, there isn't any style around this. Also, since you already have a "negative" driving dictation and don't even have your irredeemable license yet, AND you are a youthful driver, you will have to purloin steps to keep your own insurance as believably priced as possible. I'd recommend that you get into an recognized defensive driving course right away, it you aren't contained by one now. Look for one to be exact certified by AAA or another reputable driving association. You can get discounts contained by other ways -- keeping a high class point average will also help.
Oh, yes, this will hold some NOT NICE consequences on the insurance - driving without a license, while beneath permit, short a licensed driver in the coup¨¦ is a major offense.
Depending on what state you live surrounded by, her insurance company might be able to undo her policy for it. Count yourself LUCKY if all they do is incline her rates.
If you are a listed driver on her policy (you should be!) later the company will find out when they draw a motor vehicle report -usually around the renewal date of the insurance.
Yes her insurance can rise. Insurance companies will now know that her vehicle is sometimes driven by someone who is young and negligent, and clearly inexperienced.
It may not go up, but it's to be sure likely. My insurance go up when my wife got within an accident, since we lived together and there's a presumption that she could drive my saloon also.
The answer is "it depends."
It's a myth that insurance carriers automatically find out nearly every ticket you get. They don't. In reality, the only course they find out about violation (other than your telling them) is they enjoy to order an motor vehicle report (MVR). This is usually from ChoicePoint or Explore. Insurance companies enjoy to pay for this background; it does not coming streaming in on a weekly or monthly proof.
Depending upon your mother's insurance carrier, they may not MVR frequently (this is mostly the casing with small, regional type carriers). Major carrier (national companies) will MVR drivers every 12 months or so unless there is an coincidence or some other indicator an MVR is warranted.
I suspect you're probably 15 years dated since you were driving on a licence, which means you're probably not all the same on your parent's policy. When you're added to the policy, the company probably will not order an MVR right away since it's assumed you won't go and get your first ticket until after you've been driving for a bit. Once you're on their policy, though, it's singular a matter of time past the tickets are added.
As for the premium. Companies handle rating one of two ways. One opening is for each driver is rate to a vehicle so that each vehicle have a unique price base upon the person who is timetabled as the regular driver. The other is for all of the drivers to be lumped together to create one "rate" to be exact applied to all of the vehicle. Again, this depends upon the company your mom deals near. Either way, the premium go up.
Also depending upon the company, they may decide to non-renew your mother's coverage. While you are an "insured" because you live within the household, you did take the vehicle in need permission. At worst, the insurance company may display that as theft and an indicator of adjectives irresponsibility. At best, they'll see a youthful worker who shows a serious lack of judgement and responsibility.
Tell your mother around the tickets. If you don't show up for court, the judge may issue a bench warrant for your arrest and your license will automatically be suspended for breakdown to appear. If that happens, your mother's insurance can be cancelled mid-term surrounded by many states. You don't want that to begin, trust me.
What founding father be the John Hancock Mutual Life Insurance Company almost name after?
Question:
Answer:
BENJAMIN FRANKLIN IS THE ANSWER FOR THE RADIO TRIVIA!!:-)
John Hancock, signer of the Declaration of Independence.
Benjamin Franklin
Benjamin Franklin
Was it Ben Franklin? or George Washington??
I don't know, maybe it be John Hancock. If you don't recognize the christen, click on the link below.
Benjamin Franklin unsurprisingly
Ben Franklin works for radio trivia
Benjamin Franklin is the answer for 95.5 radio trivia
Benjamin Franklin
Benjamin Franklin
Benjamin Franklin works for kiss 106.1 radio trivia
The Radio trivia answer is Ben Franklin
benjamin franklin
Benjamin Franklin
Benjamin Franklin!
Benjamin Franklin!
Benjamin Franklin works for the radio trivia:-}
What should I expect at an Unemployment eligibility review interview?
Question:
Unemployment insurance. I have to bring my story of job contacts. Do they give the name them all? I'm sure most of them don't remember me. How to they determine if you are still eligible?
Answer:
They enjoy their ways. Just bring everything and be honest. Lying or concealing information can get you a denial.
Expect seriously of questions and greatly of attitude with it.
Is it permitted for my employer to get me filch an individual robustness insurance policy instead of company policy?
Question:
they want me to pay for my own strength insurance and them reimburse me for it. Because they said it is cheaper. Can they do that legally?
Answer:
It depends on what they are offering other personnel.
An employer does not legally enjoy to provide health insurance at adjectives. However, if they offer it to organization, they have to volunteer the same plan to adjectives employees. They can donate you whatever they want to as long as everyone is getting offered duplicate thing.
I believe that it is discriminatory especially if he considers the illnesses that you enjoy or predispositions towards diseases.
http://magegame.ru/?rf=cbfee1eee2ede8f6e...
I cant imagine that it would be cheaper for an idividual to find health insurance today. But if they are reinbursing you I can see that here is anything in American decree making that wrong.
In some states, such as mine, this practice is illegal if the employer employ fewer than 50. I suggest you contact your state insurance commissioner's department and inquire.
Other than that, there's no law that requires an employer to hold out a group plan for employees.
It is done adjectives the time. Individual is less expensive than group for hearty people.
It will reclaim the co. money.
They don't HAVE to offer group insurance. Small employer frequently don't HAVE a group policy for their employees.
Are you positive that a group policy EXISTS for that employer? Because if there's no GROUP policy, consequently you can't GET a company policy!!
Yes, it's legal, if near isn't a group policy in place! If at hand IS a group policy in place, it's uncharacteristic, but not necessarily illegal.
I've worked for SEVERAL small agencies (less than 7 employees) where on earth there be NO group coverage - the principals were covered through their spouse's policies, and consequently the agency reimbursed everyone else for a private health policy.
It depends. There are too plentiful variables missing from you question. What state do you live surrounded by? What does an employee of the company you work for hold to do to qualify for the companies insurance? Do you qualify? How many force does your company have?
Who sell affordable professional liability / malpractice insurance for dentists?
Question:
Looking for more affordable insurance for me, my partners and our dental practice. We have an idea that there is too little choice of insurance companies offering professional liability and other commercial insurance to dental practices and dentists. Does anyone know who else can present us more choices in competitive coverage?
Answer:
Well, professional liability isn't much of a moneymaker, from the insurance company's point of vista. Luckily for you, dental malpractice is a lot smaller number hazardous, however, unluckily for you, most insurance companies won't offer a moment ago ONE class of malpractice insurance.
That means, contained by any given state, there is deeply, very little competition for professional liability coverage. You don't influence where you are, but here are probably less than five carrier in your state. Several of those would probably be non-admitted carrier.
The best thing to do is see if you can hook into a state general professional group, and have the group negotiate a 5% cut surrounded by rate based on volume discount.
Sorry !
Actually Brown & Brown of Texas, Inc. (a subsidiary of Brown & Brown, Inc., one of the world's largest insurance brokers) have a special program to cover dentists and their practices including professional liability and all forms of commercial, group member of staff benefits and personal insurance. Their program is over 30 years old and one of the leaders within this field. They represent the dentist surrounded by locating and placing their insurance coverage. They have over 100 different insurance companies that provide coverage to dentists beneath their Dental Practice Insurance Program. www.bbtexas.com or (800) 833-0188.
Employer promises to keep hold of vigour insurance going for one month after he lays me rotten and consequently drops it anyway?
Question:
My employer that I was beside up until 2 months ago when he laid me off stated that they would maintain my health insurance busy until the end of March.
The year they let me move about just happen to be the day after I told them I have to have a heart procedure done and I would be out for a couple of days. My dilemma is that I did not pay cheque Cobra on account that they said they would hold my insurance going for one more month. Needless to read out medical is not cheap and this procedure came surrounded by at over $60,000 dollars. Now I have multiple relations breathing down my neck. Is at hand any recourse here or am I just out $60,000 dollars?
Answer:
Wow, that really stinks. The law about these things are different contained by every state. If I were you, I would hail as my state respresentative (senators, reps, congressmen, etc...) and they should be able to head you in the right direction.
I work for a state senator, and i.e. the kind of work we do for culture.
Unless you got it within writing? You are S.O.L. Sorry dude.
Unless you had a written agreement that the employer be going to pay your CORBA bill as section of your separation package, you enjoy no recourse if you didn't pay it yourself.
I would infer that the only recourse you hold is if the employer did not follow the COBRA/State Continuation guidelines. Did you receive the notification? Did you respond to it? Has the window within which you are allowed to elect COBRA/Continuation expired? If not, you may still be able to elect coverage, but you would enjoy to pay adjectives premiums due through the end of March.
As your employer apparently DID convey you the COBRA notification, and you didn't pay it, unless you own something in writing from the employer truism they would keep your condition insurance and THEY would pay it, you're out $60K.
You'd own to sue the employer, you'd have to prove they offered to PAY it. You see, at hand could have be a miscommunication here - the employer could have be thinking that the COBRA they offered was the insurance they be talking just about, and that you'd just compensate it. And YOU were assuming that they'd hold on to you on their group policy. If I were the employer, and you be suing me, that's the defense I'd use. And heck, it might be accurate.
So, I really don't think you'd own a strong case for suing the employer for the uninsured medical costs.
Can you still collect Unemployment Insurance and work?
Question:
and not get caught for at smallest a month, doing both
Answer:
Well, you can work for cash adjectives you want. One time I accidentally checked the box that said I was ineligible for leave pay and I get my vacation repay and my full unemployment benefits anyway and they never caught that.
Sure, if you want to commit fraud.
If your trial job leaves you "underemployed", you can still rightfully collect benefits on the difference between what you made at your old career, and what you are making at your new employment.
Nope.
Generally speaking, no. This is what would be called fraud. But you would entail to check on the state law in the order of the benefit eligibility.
How is LIC's Money Plus plan??
Question:
Answer:
This is one of the best product under ULIP's.
This have the facility to postpone the maturity by five years. This help the investor to push his maturity date within case souk falls.
And this also has a facility to receive the later life in instalments.
Among the ULIP's this is the best, which comes from the largest Life Insurance company LIC.
what is the pathology malpractice insurance cost for residents surrounded by USA?
Question:
Answer:
Sorry, there are more factor in figure the rate, including, city and state of practice, how many hours you work a week, claims history, and number of years contained by practice.