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Insurance in Focus For the 2,108 properties in Rhode Island within FEMA’s Special Flood Hazard Areas (SFHA), the Foundation calculated the average expected annual loss for structural damage per property to be $4,609 while the average National Flood Insurance Program premium for these properties is calculated to be $1,846.  If premiums were adjusted to cover current risk they would have to increase by 2.5 times. Homes inside SFHAs are mandated to carry flood insurance if they have a federally backed home loans. “The financial implications are most pronounced for 1,636 properties [in Rhode...

In Fourth Quarter, S&P 500 Earnings Are Expected to Decline 12% That is relative to the same period in 2019. Sales are forecast to be 6% lower. Earnings season kicks off this week, starting with several of the largest U.S. banks. JPMorgan Chase (JPM), Wells Fargo (WFC), and Citigroup (C) will all report on Friday. Most of the S&P 500 reports over the following month. Wall Street expects another down quarter—although it might not matter much. Bullish and future-focused investors have been happy to look past near-term speed bumps on the road to the post-pandemic recovery. Instead, investors ...

Thursday, December 10, 2020 I. What is the Eliminating Kickbacks in Recovery Act (“EKRA”)? The Eliminating Kickbacks in Recovery Act (“EKRA”) was enacted by Congress on October 24, 2018 and was a part of the Substance Use-Disorder Prevention that Promotes Opioid Recovery and Treatment for Patients and Communities Act (“SUPPORT Act”).  EKRA prohibits patient brokers from accepting or paying kickbacks for patient referrals from laboratories, clinics, name="_Hlk56754767">recovery centers, and other clinical treatment facilities. Its purpose was to address to the growing op...