Employer Paid Term Life Insurance

Employer-paid life insurance policy could be a fundamental part of securing your household on the occasion that you pass away too soon. Firms supply the application in addition to various other advantages, such as medical insurance. The protection is normally term insurance coverage, implying there is no financial investment or cash-value element. If you hand down suddenly, denying your household not just of your existence however additionally your revenue, your dependents will certainly rejoice you registered for your work environment’s life insurance policy advantage.
Fundamentals

Employer-paid term life insurance policy comes as a choice via some fringe benefit package deals. It functions, in a feeling, like team medical insurance: As opposed to getting a different plan for every worker, the company gets a solitary plan that covers all employees that take part, baseding on Insurance.com. Therefore, the company pays one costs, not a different costs for every worker. You could accountable for a component of the costs, also. Usually, the survivor benefit is 1 or 2 times your annual income, baseding on the American Institute of Accredited Public Accountants.

Benefits

Life insurance policy obtained with your company is most likely to be less costly compared to exactly what you could get on the competitive market, because your company is most likely to cover at the very least component of the costs, baseding on Insurance.com. Furthermore, you do not need to undertake specific underwriting, meanings that you could obtain insurance coverage also if you have a significant wellness problem, like cardiovascular disease, that would certainly, baseding on Insure.com, obtain you rejected or make you need to pay high costs if you were getting on the competitive market.

Caution

Depending solely on employer-paid life insurance policy to shield your family members has some drawbacks, baseding on Insurance.com. The primary one is that if you leave your task, you stand a high opportunity of shedding your insurance coverage. Relying on your age and also wellness condition during that time, baseding on Insurance.com, you might or might not have the ability to obtain brand-new insurance policy at a sensible price. Because of that, it is very well to bring company team insurance policy just as a supplement to various other insurance coverage. An additional disadvantage to such insurance coverage is that the quantity of insurance coverage offered to you is most likely to be restricted, though some arranges enable you to obtain even more insurance coverage for an extra cost.
Factors to consider

Some employer-paid life insurance policy arranges, baseding on the American Institute of Qualified Public Accountants’ 360 Levels of Financial Proficiency internet site, could follow you also when you leave your work. However many staff members think versus doing this because the “conversion costs” often be above rates for similar specific plans. Usually, baseding on the website, “just those that are or else uninsurable capitalize on this conversion choice.”.
Tax obligations.

The Irs tax obligations life insurance policy that has a worth over $50,000. It utilizes a formula that thinks about your age as well as the quantity of your survivor benefit to establish the taxed worth each month.

INTENT Project

Welcome

More and more educators in European universities are using the internet to bring their students into contact with other classrooms around the world so they can collaborate together, develop their foreign language skills and gain experience of intercultural collaboration… The Erasmus Multilateral Project INTENT (Integrating Telecollaborative Networks into Foreign Language Higher Education) aims to raise greater awareness among students, educators and decision makers of telecollaboration as a tool for virtual mobility in FL education at the Higher Education (university) level and also on achieving more effective integration of telecollaboration in Higher Education Institutions. On this platform, you will find more background information about the project and, in the news section, you can see regular updates on our presentations, publications and workshops.

What we want to achieve

To understand this project, it’s first of all important to know what we mean by ‘telecollaboration’.
Telecollaboration refers to the application of online communication tools to bring together classes of language learners in geographically distant locations to develop their foreign language skills and intercultural competence through collaborative tasks and project work. In other words, telecollaboration uses the internet to bring university classrooms around the world into contact together so they can learn from each other.
(You can listen here to a podcast between two project members – Mirjam Hauck and Robert O’Dowd – explaining what telecollaboration is.)

The INTENT project wants to raise greater awareness among students, educators and decision makers of telecollaboration as a tool for virtual mobility in FL education at university level. We also want to achieve more effective integration of telecollaboration in Higher Education Institutions.

The INTENT project has the following objectives:

Establish a clear overview of the levels of use of telecollaboration, explore attitudes to the activity among key stake holders across European HEI’s, and identify practical barriers to the take-up of telecollaboration.
Develop a set of tools, telecollaborative models and partner networks to overcome barriers and facilitate telecollaboration practice.
Develop a set of workable solutions to address the lack of academic recognition which telecollaboration receives at Higher Education level.
Publish an online training manual with models of telecollaborative exchange which enable a closer integration of virtual and physical mobility.
Publish documents and make presentations to inform the academic community.
Engage decision makers at institutional, regional and national levels in a collaborative dialogue as to how telecollaboration can be effectively employed as a tool for the achievement of the Bologna process. Publish a document based on this process of consultation and dialogue.

Our Publications & Resources

Here you can find the publications, materials and resources which the team have produced.

Our article on strategies for integrating telecollaboration in university education has been published in the Internat and Higher Education journal.
Our online platform www.uni-collaboration.eu has been launched since February 2013 and now has over 300 registered users.
See our second online news bulletin with our recent activities and publications (March 2013).
See our first online news bulletin on activities and events (August 2012).
Download “University Classes Collaborating Together”: Report on the integration of Telecollaborative Networks in European Universities. Read the full report and the executive summary.
Read a brief two-page flyer about our project. There are versions in English, French, German, Italian, Polish and Spanish.
Visit our www.uni-collaboration.eu platform where will be launched in Autumn 2012.
Read Papers about INTENT presented at the Eurocall CMC and Teacher Education SIGs workshop in Bologna, Italy.
View powerpoint presentations about INTENT which were presented by team members in Limerick, Ireland; León, Spain, Istanbul, Turkey and New York, USA.
Participate in one of our workshops which will be held in 2013 in Italy, France, Poland and the UK this year.