Allstate Benefits Launches Enhanced Critical Insurance Offering to Protect Canadians & their Families

Critical Illness coverage provides vital financial support and medical guidance services

JACKSONVILLE, Fla., Feb. 12, 2019 /CNW/ — A critical illness diagnosis can be devastating for an individual or family. Medical appointments, tests, treatments and medications only add to the stress and make the road to recovery even more difficult. That’s why Allstate Benefits is introducing Critical Illness with Medical Care Support Services protection, an enhanced offering that not only helps provide financial support if someone is diagnosed with a covered critical illness, but also offers medical guidance to help give peace of mind. This enhanced product is available now throughout Canada.

“We are thrilled to announce this enhancement to our industry-leading Critical Illness product for Canadian employers and their employees,” says Greg Guidos, Allstate Benefits president. “We have proven experience as a provider of group voluntary benefits, as shown by the more than 45,000 employers and four million employees we help protect in the United States and Canada. By creating innovative products, we’re reinventing protection to help businesses add value, engage employees and ultimately help improve customers’ lives.”

Critical Illness coverage is vital, since employer-paid insurance plans and Provincial Health Insurance often cover only some of the costs associated with treatment. Customers choose the benefits that best protect them and their family members. Then, if diagnosed with a covered critical illness, they receive a cash benefit based on the percentage payable for the condition.

The cash benefit can be used for any expense. For example, it may be used to cover the cost of prescription drugs not covered by health insurance, travel required to receive treatment in another city, or regular daily living expenses. The benefit helps offset revenue shortfalls created while on leave from work, and helps protect savings and retirement plans from being depleted.

As part of the coverage, Critical Illness with Medical Care Support Services provides access to medical support services through best-of-class partners Medisys Corporate Health in Canada and PinnacleCare in the United States.

Medisys Corporate Health is the first point of contact for plan members, and offers one-on-one personalized support while navigating the Critical Illness claim process. A dedicated Medisys Nurse Navigator team will discuss the diagnosis, concerns, treatment options and second opinion services to ensure a seamless experience for the beneficiary. If a consultation in the U.S. is desired, Medisys will partner with PinnacleCare to provide expert medical opinion services, treatment options, access to medical Centers of Excellence in the U.S. and facilitated physician appointments.

“Imagine being seriously ill and having to miss work. Imagine the stress and fear that exists,” said Guidos. “This product not only helps provide financial support when an insured is diagnosed with a covered critical illness, but it also offers advisory services and guidance. This product helps the insured shift their focus to getting better rather than stressing over financial worries.”

To learn more about Critical Illness coverage from Allstate Benefits, visit allstatebenefits.ca.

About Allstate Benefits
Allstate Benefits is a leading provider of voluntary employee benefit products in the U.S. and Canada. Protecting approximately 4 million individuals from life’s uncertainties through supplemental insurance options, Allstate Benefits also offers value-added services such as benefits technology solutions, legal support and concierge health management. The Allstate Benefits product portfolio includes six LIMRA top-rated products including Accident, Critical Illness, Cancer, Hospital Indemnity, Disability and Life.

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL) in the U.S. and also a trademark of Allstate Insurance Company, used under license by Allstate Insurance Company of Canada. Allstate Benefits helps deliver the Good Hands® promise every day with the name that many know and trust. More information on Allstate Benefits can be found at www.allstatebenefits.com.

SOURCE Allstate Benefits

Meanwhile, its U.S. counterpart sinks. What gives?

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Russian police recover painting stolen in broad daylight

By Nataliya Vasilyeva

THE ASSOCIATED PRESS

MOSCOW _ Russian police on Monday found the painting that was stolen a day earlier from Moscow’s famed museum of Russian art in broad daylight before unsuspecting visitors.

The painting of mountain ridges by Arkhip Kuindzhi, titled  “Ai-Petri. Crimea,” was stolen in front of confused visitors on Sunday evening at the Tretyakov Gallery in one of the most brazen Russian art heist in recent memory.

CCTV footage released by the police shows a young man calmly walking up to the painting, stopping to take a look and then taking it off the wall with other visitors looking on. He then crosses the hall and walks away.

The Interior Ministry said Monday that they have detained a 31-year-old suspect in the theft and recovered the painting, which had been hidden at a construction side outside Moscow. Police said the man was detained last December for drug possession and has been on bail since.

The man said in the video of interrogation posted online by the police that he “did not commit any crimes” and that he could not remember where he was on Sunday.

The painting had an insurance estimate of $185,000 but some other works by Kuindzhi have fetched more that $3 million at auctions.

The theft raised questions about security at the Tretyakov Gallery, one of Russia’s most renowned museums.

The Tretyakov was hit by another brazen crime last May when a man attacked a famous 19th-century painting with a metal stanchion. The man reportedly damaged the painting, which depicts Russia’s first czar cradling his dying son after striking him in a fit of rage, because he thought it to be historically inaccurate.

Russia’s Culture Minister said after Kuindzhi’s painting was recovered that it would push for all temporarily exhibitions at state-owned museums to be equipped with motion detectors.

Investigators have yet to establish whether the man had an accomplice or not.

5 Hyundai, Kia models have high fire insurance claim rates

The Associated Press | By Tom Krisher

January 22, 2019

DETROIT — An insurance study shows that owners of five Hyundai and Kia cars and SUVs file fire insurance claims at a rate far higher than the average for comparable vehicles.

The Highway Loss Data Institute analyzed claims data from insurers representing about 85 per cent of the U.S. industry. It found that some Hyundai and Kia vehicles equipped with four-cylinder engines have at least double the noncrash fire claim rates than the average of comparable vehicles.

The institute began the study after a consumer group found that owners of some Hyundai and Kia models made a higher-than-normal number of fire complaints to the National Highway Traffic Safety Administration.

Last week the South Korean brands announced they would recall about 168,000 vehicles to fix a fuel pipe problem that can cause engine fires.

Patriots make 3rd straight Super Bowl, beat Chiefs 37 31 OT

By Barry Wilner

THE ASSOCIATED PRESS

KANSAS CITY, Mo. _ It’s the dead of winter, meaning the weather in New England can be brutal. And that the Patriots are headed to the Super Bowl.

It took them overtime and more of Tom Brady’s brilliance to get there _ for the third straight year. While the folks back home dealt with a frigid storm, Brady blew through Kansas City’s exhausted defence on a 75-yard drive to Rex Burkhead’s 2-yard touchdown run in a 37-31 victory Sunday for the AFC championship.

The drive, during which New England (13-5) had three third-down conversions, was reminiscent of when the Patriots beat Atlanta in the only Super Bowl to go to OT two years ago.

“Overtime, on the road against a great team,” Brady said.  “They had no quit. Neither did we. We played our best football at the end. I don’t know, man, I’m tired. That was a hell of a game.”

Awaiting them in Atlanta are the Los Angeles Rams, who won 26-23 in overtime in New Orleans for the NFC championship. The Rams (15-3) last made the Super Bowl in 2002 while based in St. Louis, losing to the Patriots.

New England benefited from two critical replay reviews and made its ninth Super Bowl with Brady at quarterback and Bill Belichick as coach.

“This is crazy,” said Brady, who was 30 of 46 for 348 yards. “What a game.”

It’s the first time both conference title games went to OT. The last time both visitors won conference championship matches was 2012; New England was 3-5 on the road this season.

“We knew what our record was, but we didn’t let that dictate us,” said defensive end Trey Flowers, who led a staunch charge on Patrick Mahomes. “Whatever happened in the regular season happened. We came out and did it when it counted.”

Several times, the Patriots appeared to have it won, only to see Kansas City (13-5) come back in spectacular fashion.

Brady, at 41 already the oldest quarterback to have played in a Super Bowl, drove New England 65 yards in 1:24 to Burkhead’s go-ahead 4-yard touchdown with 39 seconds left in regulation. That was enough, though, for his far younger counterpart, the 23-year-old All-Pro Mahomes, to take the Chiefs 48 yards to Harrison Butker’s 39-yard field goal with 8 seconds left to force overtime.

It was a sizzling offensive showing in the fourth quarter after defence had been in charge most of the way. Indeed, the Chiefs were blanked in the opening half for the first time all season.

And they never saw the ball in overtime, which along with the two replay decisions might call into play NFL rules and officiating.

“I thought if we got the chance,” Mahomes said,  “we’d score.”

Mahomes finished 16 of 31 for 295 yards and three touchdowns.

New England became the third franchise to reach three Super Bowls in a row. And Belichick now has 30 postseason victories, more than Bill Walsh and Don Shula combined. That Hall of Fame coaching duo also won five Super Bowls; Belichick shoots for No. 6 in two weeks.

An apparent muff by the usually reliable Julian Edelman on a fourth-quarter punt return was overturned by a lengthy video review, prompting raucous booing and some demonstrative arguing from the usually laid-back Andy Reid. Edelman definitely touched his next try when Brady’s pass deflected off his hands directly to safety Daniel Sorensen. His 22-yard return set up Kansas City at the Patriots 23, and Damien Williams, who scored three times, had no defender near him down the left sideline for the score that made it 21-17, KC’s first lead.

Back came Brady, engineering a 75-yard march on which Chris Hogan’s diving one-handed catch on third down appeared to touch the ground. Reid challenged _ and lost.

Minutes later, rookie Sony Michel scored from the 10, his second TD of the night.

With 3 1/2 minutes remaining, there was plenty of time for more points. Williams’ 2-yard run gave the Chiefs a 28-24 edge that New England took up most of the remaining time overcoming. The Patriots were helped by an offside call on linebacker Dee Ford that negated an interception which would have clinched a KC victory.

Butker’s field goal sent it to overtime.

“We put ourselves in position to win the game, that’s what makes it so tough,” Reid said.  “If it’s a rout, you chalk it up to experience. But this one right here, where you’re in it to win it, that’s a tough deal. We gave ourselves every opportunity to do it, and they got us in overtime.”

The Chiefs hadn’t been blanked in any half this season, but they barely were a presence in the first 30 minutes, when they had the ball for 8:53. Mahomes was sacked three times for 43 yards; Kansas City’s record-setting attack ran only 16 plays and gained a mere 32 yards.

The zero disappeared quickly in the third quarter. Finally given solid protection, Mahomes unleashed a 54-yard completion to Sammy Watkins over All-Pro cornerback Stephon Gilmore. He then hit another All-Pro, tight end Travis Kelce, on a slant to make it 14-7 _ and awaken the slumbering crowd.

But one of several bad decisions further damaged Kansas City when Tyreek Hill, the All-Pro flex player, retreated deep in Chiefs territory returning a punt. Eventually, KC had to punt and the Patriots had excellent field position, setting up a 47-yard field goal by Stephen Gostkowski.

Not one to be shy about innovation, Mahomes completely sidearmed a throw to Watkins for 10 yards on a third down, then a dump-off to Williams covered 33. Kelce drew a pass interference call on J.C. Jackson in the end zone, and Mahomes threw a strike to Williams for the score.

Although the Chiefs were on their heels much of the night, they were down only 17-14.

LOPSIDED FIRST HALF

Just as they did last week in manhandling the Chargers early and cruising, the Patriots delivered a message _ and a touchdown on their first series. It was a classic, covering 80 yards in 15 plays and using up more than eight minutes. Michel, who had 113 yards rushing, scored from the 1.

But Brady made a rare mistake on the next dominant drive. His third-down pass from the 1 for Rob Gronkowski was short and Reggie Ragland picked it off.

Brady had never thrown an interception from the 1.

When the Chiefs finally got a trademark big play on Mahomes’ 42-yard completion to Hill, it went for naught. Mahomes overthrew a wide-open Williams near the end zone, then took a 14-yard sack to send KC out of field goal range.

Big mistake.

The Patriots kept dominating the line of scrimmage, Brady took them 90 yards and connected with Phillip Dorsett over sloppy coverage by Steven Nelson to make it 14-0 with 27 seconds left in the half.

STATS

In Week 6, the Patriots beat the Chiefs 43-40 in a game featuring 946 yards total offence. This one had 814. … New England has played in eight straight AFC title games, but this is its first road playoff win since the 2006 season vs. San Diego. … Brady matched former Patriots K Adam Vinatieri, now with the Colts, for the most wins in NFL history (236). … Kansas City’s defence tied for first in the NFL with 52 sacks, but had none on Sunday. New England had four.

COIN TOSS

Reid’s decision to defer after winning the opening coin toss proved unwise as New England had 22 plays in the opening period, and Kansas City had seven. Then, the Chiefs lost the more important toss before overtime. Less than five minutes later, they were headed to the off-season.

Chubb Announces Key Cyber Security Trends to Watch in 2019

WHITEHOUSE STATION, N.J.Jan. 8, 2019 /CNW/ — As business decision-makers look to the year ahead, it is critical to address existing and new cyber security concerns. To help with that process, Chubb has launched its first annual cyber security predictions, which focus on the top risks in 2019 and beyond.

“The cyber risk landscape is constantly evolving — it’s vital to stay on top of potential risks as they emerge,” said Michael Tanenbaum, Head of Chubb Cyber North America. “We expect shifts in the regulatory landscape, changes to the fundamental models of cyber crime, and additional risks brought on by the explosive growth in Internet of Things (IoT) devices. It is critical to stay abreast of these things in 2019.”

“Throughout the years, we have seen everything from Y2K to today’s mega-breaches and the evolution of cyber crime,” said Bill Stewart, Division President of Chubb’s Global Cyber Risk practice. “We continue to stay ahead of the latest cyber risks to help our clients protect against and respond to an ever-increasing cyber threat.”

Chubb, an innovator in the cyber insurance space, has more than 20 years of experience writing cyber insurance policies. Based on that experience, the Chubb Cyber practice has issued the following three cyber security predictions for 2019 and beyond:

Cybersecurity regulation and enforcement will increase and focus more on actions taken by businesses pre-incident,in addition to post-incident protocol.

Until now, regulatory efforts have largely focused on steps businesses must take after a cyber incident, including fixing vulnerabilities, notifying law enforcement, and notifying customers. Chubb anticipates this will change as lawmakers also focus regulatory attention on companies’ data collection and data usage practices, as well as on the actions that organizations should take to better prevent a cyber incident from occurring in the first place. This phenomenon has already begun to take hold in the United States with laws such as the New York State Department of Financial Services (NYDFS) Cybersecurity Regulation and the California Consumer Privacy Act, which have put new obligations on organizations to not only protect the information they collect, but also to ensure that they are allowed to collect such information, that they are using that information legally, and that they remain responsible for that information when they share it with a third party.

Additionally, this trend has been seen globally, which impacts many more businesses now than ever before.  The internet and virtual connection has provided great opportunity to many organizations, but it could also be subjecting them to the laws of the jurisdictions in which their new customers reside.  Thus, organizations not only need to ensure that they are in compliance with the laws of the state in which they physically operate, but also determine if they are subject to the laws of the locations where they virtually operate.  In the coming years, organizations of all sizes can expect to see increased data regulation in the United States and abroad, which will focus on data privacy, data use, as well as data security.

Crime does pay, and business is booming: the business model of cyber crime will tilt heavily toward direct monetization attacks.

During the past 20 years, the dark market has become saturated with private records and personally identifiable information (PII). In 2019, rather than seeking additional PII, cyber criminals will prioritize attacks that result in direct monetization as they operationalize PII that they’ve already obtained. In order to pursue these types of attacks, criminals will continue to employ ransomware.

Already a threat on the rise, ransomware will continue to grow and will remain a top cyber threat for the next five years, and will become even more destructive and costly. Social engineering financial fraud also will ramp up, and cryptojacking — the unauthorized use of someone’s computer to mine cryptocurrency — will be employed heavily by cyber criminals.

Cyber criminals will target individuals just as much as businesses as billions of Internet of Things (IoT) devices come online.

As billions of additional IoT devices come online during the next year, cyber criminals will have even more avenues to target individuals. As device use overlaps between enterprise and individual, we will see more targeted ransomware and phishing attacks. Video and audio capabilities on devices — from smartphones to refrigerators, smart assistant devices, and nanny-cams— will help cyber criminals gather personal information and images. Bad actors can gain access to businesses through personal devices — particularly when businesses allow individuals to connect with their personal devices through an enterprise server. As an increasing number of IoT devices come online, businesses will need to monitor vigilantly to intercept and short-circuit cyber risks.

As always, business leaders should look to defend their companies from cyber attacks rather than react to cyber attacks. As cyber threats evolve, cyber insurance will play a key role in the awareness, preparedness, and resiliency of governments, corporations, and individuals.

To learn more, visit www.chubb.com/cyber. Here you will find a host of cyber-related resources, including access to The Chubb Cyber IndexSM, which provides real-time access to proprietary Chubb claims data and insight into current cyber threats and how you can protect your company against them.

About Chubb:
Chubb is the world’s largest publicly traded property and casualty insurance company, and the largest commercial insurer in the United States. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide. Additional information can be found at: chubb.com.

SOURCE Chubb

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