Insurance industry in Quebec is a vast industry. The industry deals with risk management policies used to provide fence against any kind of uncertain loss or damage. The company which sells the insurance is called insurer and the person buying the policy is termed as insured.
There are various insurance companies working in Quebec. Applicants intending to get employment in Insurance industry in Quebec have plenty of options in stored of them. It is mandatory to have the apt qualification in order to make a career in this industry. A lot of applicants get themselves enrolled in a study called Risk Management in order to qualify under this category.
Here are the subcategories under “Insurance” industry: Accident and Health Insurance; Fire, Marine, and Casualty Insurance; Hospital and Medical Service Plans; Insurance Agents, Brokers, and Service; Insurance Carriers, NEC; Life Insurance; Pension, Health, and Welfare Funds; Surety Insurance and Title Insurance, to name a few.
Some of the firms associated with the profession of “Insurance” are:
Capitale Assurances Generales Inc, La; Canassurance Compagnie D’assurance-Vie Inc; Institut Canadien D’information Sur La Sante; Wawanesa Mutual Insurance Company, The; Van Thi To Inc; Pro Mutuel Portneuf-Champlain; International Healthcare Supply Ltd; Assurance Mutuelle Des Fabriques De Quebec, L’; Garanties Nationales Mrwv; Limitee and Euler Hermes American Credit Indemnity Company, to name a few.
Prospective applicants intending to immigrate to Quebec and work under “Insurance” industry can visit www.abhinav.com and know more.
Love is vital in everyone’s life! But excess of everything is bad! Are you girls aware of the fact that love leads to obesity?
According to one recent study, girls in love tend to gain weight at every moment! I know this is news which can be shocking for many girls out there but that is what is true! The study has been conducted by the University of Queensland and it has been proved that more the content of love is; more would be the rate of obesity in women.
The love which they get from their kids and husband is ample for them to gain weight! It has often been observed that women tend to gain weight after marriage. Why so? The answer perhaps lies in our daily work schedules.
Being single means, some times skipping meals, not taking proper diet and other such facets which lead to loss of weight. But when you are married or with kids, you ensure that everyone is given the apt amount of love and care and therefore, you never skip meals with them. In addition, tastier food sometimes means eating more when you are in love (or on in other words, married or hooked!)
It has been observed that woman getting married in late 20s and 30s tend to gain more weight as compared to single women. Further, if these women have kids, then the weight rises by an average of 9.2 kilograms. No matter they have kids or not, women gain weight after experiencing love in their life.
I hope a majority of girls would agree with me. Single women are much skinnier and toned as compared to the ones who are married. Also, the latter lot has already got insurance that they have the love of their life with them. Hence, they don’t need to take care of how they look and hence, some of them lose interest in maintaining themselves. They eat at any time and interval, hence, gain weight! On the other hand, single women need to take care of their figure and maintain an overall balance between fat and body shape!
So, all you girls in love out there. Either prepare yourself to get obese or start maintaining your body mass ratio.
If you are living in United States, you know how important your Social Security Number (SSN) is. It is but understood that the SSN is the most important number for all purposes of identification in the United States. It is but obvious that one should not give out his number unless it is absolutely necessary. But the million dollar question is the definition of such necessary situations.
By accessing our SSN, an intruder can illegally get his hands on our personal information. With the help of this information, he would further be able to use our credits in our name which would leave us with a mess leading to financial troubles. More so, in the future we might not be permitted to take any loans.
The 2010 Identity Fraud Survey Report projects that there were more than eleven million people in the nations who were subjected to an identity fraud. This led to a total cost of $54 billion. However, the better part was that these people did not have to pay up for that. On an average, $373 had to be paid out for those who had to. But then the average time spent on resolving this issue by each victim was about 21 hours.
Thus, in order to save yourself from such fraudulent practices, here are a few precautions which you can follow:
It is important to keep the social security card from vulnerable place. This definitely means that you should not keep it in your wallet.
It is not wrong to consider this number as highly confidential. You can be firm on denying writing your social security number on a cheque.
Incase you get any requests via your email for your SSN; it is best not to respond. This should be followed even for phone calls.
If some insurance quote from an online company asks for the same, ensure that the server is secure and the company is known and a reputable one.
It is highly advised to get your free credit reports each year. This is to make sure that there have been no unusual credit lines.
Apart from the above, there are certain cases where in it would be important for you to give out your Social Security Number. To know more, stay tuned for our next update on the same.
The shortage of Insurance surveyors, adjusters and claims examiners has been realized by the Canadians in the last few years. This increase can be considered as due to the growth in the Damage Insurance Market. It is being anticipated that in the future, this market would see a steep growth in the numbers. Thus, this occupation is present in Canada’s new list of 29 occupations for immigration under federal skilled worker program to Canada. These insurance claim examiners could be working in life as well general insurance. In some instances, they are also popularly known as insurance surveyors.
Qualifying Criteria for Immigration
An applicant should be at least a graduate with the relevant professional qualification or a license that authorizes him to examine and approve insurance claims.
An experience of at least one year in capacity of surveyor, examiner or adjuster and balance experience can be in other capacities.
A person must have an experience of around 2-4 years. At the same time, actual number of years of experience to apply under this occupation is dependent on many factors such as whether the applicant is married and his English language skills and so on.
Duties & Responsibilities
The Insurance Adjusters are expected to be proficient in the duties mentioned below:
Inspection of property and automobile damage.
Inquiring the circumstances pertaining to the claims of the insurance. This is done to chalk out the validity of the claim.
Consulting claimants, accident witnesses, doctors and other concerned persons, analyzing records and reports and noting down statements.
Deciding on the amount covering the damages or loss via insurance policy.
Negotiation of the claim settlements
Preparation of adjustment reports.
On the other hand, the Insurance Claim Examiners are expected to do the following:
Calculating, assessing, examining as well as authorizing claims for insurance which have been inquired by the insurance adjusters.
Giving consent on insurance claims pertaining to disability, life, automobile, fire, dental etc.
To make sure that all the claims made are valid and that the concerned are granted as per the practices and procedures of the company.
Consulting doctors, lawyers and other concerned individuals to discuss the insurance claim.
The report made by the adjuster should be examined along with other relevant claims so as to decide the coverage of insurance.
Above all, it is a great profession in Canada for all those in the insurance sector who seek better opportunities for life. Additionally, Canada is one of the developed nations of the world offering state of the art facilities to its residents. With this, an applicant does not need to have a prior job in hand in order to qualify for immigration.
So, if you are eligible under the above requirements, you might have a good chance to immigrate to Canada. Write to us at ajay@abhinav.com to know more!
Canada has modified its list of 38 occupations, reducing it to only 29. The new occupation list for Canada federal skilled workers program would be implemented from 26th June 2010. These 29 new occupations form the current occupations in Canada which are in-demand for the foreign skilled migrants*. However, this list is not applicable to those applicants who have an employment offer in prior.
The new list of 29 occupations for federal skilled immigrants excludes the IT managers and supervisors, accountants and financial managers from the earlier list of 38 occupations. At the same time, occupations relating to Business Services and Management as also dentists and social workers have been included. This is excellent news for general category managerial and supervisory candidates. Professional working in following occupations will gain through this critical inclusion in the new list:
Marketing
Analysts
Researchers
Business development
Advertising
Management consultants
Finance
Costs and chartered accountants
Chartered financial analysts
Business and office coordinators
Senior office Administrators and managers
team trainers
Dentists
Pharmacists
Social Workers
Cooks and chefs
With the above in place, the Citizenship and Immigration Canada has announced that only 20,000 applications would be received each year. Within these 20,000 applications quota, not more than 1000 applications would be considered under each of the occupations mentioned on the new list. The applications would be accepted on a first come first serve basis. After the higher limit has been reached in a specific occupation, the additional applications will be returned. So all those qualified should file and get into the queue without delays.
The first year for acceptance of applications will begin on June 26, 2010 and end on June 30, 2011. Subsequent years will be calculated from July 1st to June 30th.
Alternatives for applicants not finding place in the new list of occupations for Canada
IT professionals need not get disheartened. Almost all IT professionals with 4 years of experience or more and including those who are NOT IT managers ( simple programmers, analysts, QA etc) can qualify and apply under Quebec program. All they need to do is learn basic French. One learns French while the application is in process. Married couples have an advantage under the Quebec program as spousal age and qualifications as also number of children and their age are significant assessment factors. Mail your resume and if applicable that of spouse with information related to children and their age to ajay@abhinav.com
It may be added that many of them, especially if working in consulting capacity might also be qualified under the newly included Professional Occupations in Business Services to Management.
Another alternative for IT professionals is Denmark Green card. But considering that Denmark green card is a non-immigrant visa and one is required to learn Danish for successful settlement, one is better off in opting for Quebec skilled worker program that offers permanent residency from day one of landing with all accompanying benefits. The residency status that an applicant, may get in Denmark after seven year is available from day one of landing in Canada on permanent resident visa. However, it goes without saying that ABHINAV has the expertise to service your application for Denmark Green card as well.
Another significant exclusion from the old list is that of accountants and financial managers. They should not lose hope and depending on profile and duties, most can still qualify as professional service providers to management. This is a new occupation that finds its place in the new list. If you are a financial manager or chartered accountant, please email your and the spousal resume (if applicable) to ajay@abhinav.com .
All in all, it could be said that there are both pros and cons attached to this amendment in the Skilled Worker Program. And so, this keeps the options open for those not qualifying under the new Federal Skilled Migrant program. Contact us to know more on the same.
*List of 29 Occupations under the Federal Skilled Worker Program
0631 Restaurant and Food Service Managers
0811 Primary Production Managers (Except Agriculture)
1122 Professional Occupations in Business Services to Management
1233 Insurance Adjusters and Claims Examiners
2121 Biologists and Related Scientists
2151 Architects
3111 Specialist Physicians
3112 General Practitioners and Family Physicians
3113 Dentists
3131 Pharmacists
3142 Physiotherapists
3152 Registered Nurses
3215 Medical Radiation Technologists
3222 Dental Hygienists & Dental Therapists
3233 Licensed Practical Nurses
4151 Psychologists
4152 Social Workers
6241 Chefs
6242 Cooks
7215 Contractors and Supervisors, Carpentry Trades
7216 Contractors and Supervisors, Mechanic Trades
7241 Electricians (Except Industrial & Power System)
7242 Industrial Electricians
7251 Plumbers
7265 Welders & Related Machine Operators
7312 Heavy-Duty Equipment Mechanics
7371 Crane Operators
7372 Drillers & Blasters – Surface Mining, Quarrying & Construction
8222 Supervisors, Oil and Gas Drilling and Service
The recent spate of the recent attacks played a huge role in crashing the number of Indian students planning to study in Australia.
A report by Immigration Department showed that Study Visa Applications for Vocational courses fell to 19,530 during the last three months of the year 2009. In addition, a decline of 15 percent has been noticed in visa applications for all the educational sectors, reported The Age.
In another news piece, Jaspreet Singh, 29, a man of Indian origin, who faked racial attack after showing 15 percent burn injuries, has been charged of claiming fake insurance in shade of being racially attacked.
He deliberately torched his car, as evidences such as container and petrol, amongst others found from his home, confirmed his fakeness after his arrest, stated the Aussie police. Police has also found footage of him, buying petrol, a day before he made the roar of being attacked.
Singh, earlier came out with the statement that a group of attackers set him on fire while he was parking his vehicle. However, this incident should not be linked with the series of attacks on Indians in the past few months. All of them were genuine and government should take ample measures to stop this catastrophe right here!
Also, Indian envoy to Australia, Sijatha Singh, has been called to New Delhi for further discussion of the series of attacks on Indians in Australia.
Want to know about the labor market in New Zealand? Indeed, you should have the knowledge about the same if you are planning to go and work in the country. Here is our little effort to help you in doing your homework in researching the New Zealand labor market, before you file application under the Skilled Migrant Visa category.
From a general viewpoint, it can be said that an average male employee in New Zealand works 37.9 hours in a week. Besides, he is being paid $1,010 per week for 1.2 hours overtime. The average female employee works 35.6 hours per week. She works for additional 0.5 hours to earn $816 a week.
Taking the statistics of salary ranges, over the last few years as basis, it can be assumed that finance, accounting, insurance, gas, electricity and water are the sectors in the country where employees earn some of the most attractive salary packages. Their average wages are twice as compared to that of the employees in retail and accommodation, restaurants or cafes sectors.
In New Zealand one can expect to get work if he/she has skills and experience. Or in other words, if you are expecting to get higher salary wages you must have a considerable amount of experience. A chartered accountant in cities like Wellington and Auckland earns from $105,000 to $110,000. The salary package of a corporate management candidate with experience can go over $100,000 per annum. Education sector is another sector where graduates are offered with attractive packages as per the country’s standards. An experienced school level teacher can expect to earn about $56,000 per annum. The yearly remuneration for university level professionals goes up to $73,000.
In a recent report, an American Couple won a Federal court case. Readers would be thinking as to what is so exceptional about winning a court case! The case could change the way the Canada government treats immigrants who are HIV positive.
Although Canadian Immigration laws do not openly ban immigrants with HIV positive coming to Canada, but having HIV is almost considered as an automatic refusal, on the grounds that the patients would compel major demands on the “health care” of Canada. The issue is a concern for people suffering from various health conditions.
Ricardo Companioni and his partner, both suffering from HIV, were initially approved to move to Canada under the Skilled Worker category. Their annual bill was prescribed somewhere around $33,500, on which the couple agreed to cover their own costs, provided they don’t get any insurance. The couple also showed a proof that they have half a million dollars in assets, but ended up as their case being rejected!
Companioni showed his astonishment and said that he was really shocked at being rejected at such a later stage. But on an advice form a Toronto lawyer, the couple decided to re-appeal. Courtesy the decisions by Justice Harrington’s decision, the case of the concerned American couple would be sent to another office for consideration!
The case might open the gates for all the immigrants suffering from HIV or any other health condition to move to Canada, provided they pay for their own drugs.
So you have finally decided to move to an altogether different country? Tell me, where will you start from? Are you buying a new home or will go for the option of “renting?” What about the household items? Read more to find out…
Moving to a new world is a beneficial step. But before making any final decision, it is always advised to make preparations in advance. Know about the current market situation in the prospective country. If the job prospects are limited, it would be better to hold for sometime and wait for the right opportunity. Never do any task in a hurry, as it will make turn the situation into a mess.
If you are planning to buy a house, do a thorough research on the property market and know about the laws governing foreigners buying in that particular country. As far as the option of “renting” is concerned, find out as to what are the average rents of that particular area where you are planning to rent a house. The cost also depends upon the type of the house – a bungalow, a castle, two-room, three-room, an apartment, and so on. Maintain a cautious approach from the corrupted private and agency rentals; otherwise you will never know when they will rob your pockets out of no where.
Insurance is another vital facet when it comes to Immigrating to a new country. After deciding as to what you are taking with you, insure your belongings. Arrange apt health Insurance, Life insurance and Travel insurance for you and your loved ones.
Consult an Immigration expert for a smooth application process.
The fact is that Immigration and Health Care hold a big association with each other. Figures point out in the direction that illegal migrants in the US rarely go for a health insurance in America. That means almost 60 percent of illegal immigrants don’t have health insurance and on the verge of that they are spoiling the chances of free health care services that should be provided to legal migrants and Americans citizens, who actually need them.
Cogitations state that the lower level of education might be the reason for these illegal migrants for not going for a health insurance. Ofcourse, there are reasons like low income level of the illegal migrants, avoidance and ignorance on these relevant issues. This reflects the realities of the unstable American policies.
Knowing the fact that those immigrants who are uninsured as well as those who are on Medicaid; both prove extremely costly for the taxpayers. President Obama has suggested that an amnesty for illegal immigrants would surely act as a solution to this catastrophe. If the government tends to legalize illegal immigrants, it would not only improve their access to health care but also decrease the burden on the tax payers. But there are certain pros and cons related with this solution. Therefore the situation must be determinedly acknowledged. It is a serious requirement to come out with a law that would take care of the illegal residents, legal migrants as well as citizens of the country at the same time.
It is a fact that illegal immigration is like a parasite that eats away a country’s economy in a major way. That is why one should always go with legal immigration and hire the services of a genuine Immigration and Visa expert for a smooth application process.
