Insura Case Interview

BEHAVIORAL OBSERVATIONS: Ms. Copeland was alert and co-operative during the interview. During testing she appeared to motivated to perform optimally on all tasks. Her frustration tolerance was moderate. She seemed somewhat sullen, incurred during the initial portions of the testing but became more relaxed with the examiner as testing proceeded.

In Maryland, insurance policies are generally construed in the same manner as contracts. Collier v. MD-Individual Practice Ass 'n, Inc., 327 Md. 1, 5, 607 A.2d 537 (1992). An insurance contract, like any other contract, is measured by its terms unless a statute, a regulation, or public policy is violated thereby. Pac. Indem. Co. v. Interstate Fire & Cas. Co., 302 Md. 383, 388, 488 A.2d 486 (1985). We do not follow the rule, adopted in other jurisdictions, that an insurance policy is to be construed most strongly against the insurer. Collier, 327 Md. at 5; Cheney, 315 Md. at 766. We construe the instrument as a whole in order to determine the parties’ intent. Pac. Indem., 302 Md. at 388; Collier, 327 Md. at 5; Aragona v. St. Paul Fire & Marine Ins. Co., 281 Md. 371, 375, 378 A.2d 1346 (1977). In order to determine the intention of the parties, “Maryland courts should examine the character of the contract, its purpose, and the facts and circumstances of the parties at the time of execution.” Pac. Indem., 302 Md. at 388 (citations omitted). In doing so, we give the words their usual, ordinary, and accepted meanings. Id.; Mut. Fire Ins. Co. v. Ackerman, 162 Md. App. 1, 5, 872 A.2d 110 (2005) (citing Nationwide Mut. Ins. Co. v. Scherr, 101 Md. App. 690, 695, 647 A.2d 1297 (1994)). The test is what meaning a reasonably prudent layperson would attach to the term. Pac. Indem., 302 Md. at 388.

Applicant’s attorney, Mr. Juan Vera, appeared representing the applicant’s interest. Court reporting duties were provided by Ms. Elizabeth Maeyama, License No. 12060. Interpreting services were provided by Ms. Berta ZeFrench, Certification No. 36353581. The deposition started at approximately 2:24 p.m. and lasted until 3:15 p.m. The applicant testified that she arrived at applicant’s attorney’s office at 1:00 p.m. to prepare for her deposition; therefore, I anticipate applicant’s attorney’s office’s §5710 invoice to be for no more than two hours and 15 minutes. I will make a more specific recommendation regarding the yet to

Ms. Yu claimed during her interview that she had no information to give as to the claimant’s evaluation, attendance and her past employment history. Furthermore, she had no information about the claimant’s medical history, injuries at previous employers, or any other work related injuries with this employer.

Mr. George first met the claimant in 2007 when the claimant was doing some work for him at his house. The claimant asked if he could do work for him and Mr. George told the claimant he would need to have insurance and a tax ID#. The claimant obtained a tax ID# and Mr. George helped him obtain a policy of liability insurance. A certification of insurance has previously been

in Lodi, CA. Applicant was unable to provide me with any additional information regarding this employer. I was unable to locate a specific

On 6/30/2015, client attended to her ILP meeting with her youngest son Keury. Child was well dress for the weather. Cm observed child very anxiety and he was telling client that he wanted to go to his unit because wanted to watch cartoon.

(Page #63) She was probably my age, maybe a couple of years older, and a whole lot more athletic looking. With her deep tan and her curly hair, she was almost exactly what I thought a stereotypical California girl would look like, except her eyes ruined the

Mrs.Gulon had wavy, shiny blonde hair that went three inches past her shoulders. She was tall and slim and her face was one and a half inches smaller than a normal size face. There was a four inch wide, one inch tall half bump on her face. The bump had light blue eyes and a nose. The nose was shaped like a baby's nose but only a titch smaller. Below

Her face reveals various traits. She has an oval face that shows a sweet, balanced character; however, her brown hair denotes an independent nature and coarse character. I see shyness and reserve through her small ears and sensible independence through her hazel eyes. The shape of her low and wide forehead tells me she has intuitive nature. Balance and patience call out to me from her straight well-formed nose, but her lips reveal something else. Her small lips say that she is cold

Hello Angelina, my name is Anida Watson. In May, I attended an on the spot interview at Florida Atlantic University for the Marketing Coordinator position at LRP. I understand that the company went a different way, but I still would like to continue to make connections with the company in the event of any future openings. Thank you for your

My client is a 25-year-old South Asian woman. She appears thin with long black hair and brown eyes. She is wearing dark pants, a long sleeved blue shirt with a multicoloured scarf. Her clothing is neat and appropriate to her environment. She is wearing makeup, appears clean and is well put together. The client answers direct questions but does not provide a lot of information. Patient is willing to provide more information when asked directly or prompted by the writer. The client’s rate of speech was slow at first but as the interview continued, became a normal rate. Her speech was clear; however spoke in a soft volume with a monotone voice. Her rhythm was smooth and her speech was not pressured. The client’s

When the clinical team arrived Astrid was in her room. Astrid walked out her room, pass the clinical team, two times without greeting the clinical team or engaging in eye contact. Mom called Astrid over to join the clinical team at the dining table. Astrid did not comply, it took two verbal prompts for Astrid to sit at the table. Astrid sat across the clinical team with her head looking down into her lap. The clinical team probed greetings and Astrid did not respond. The clinical team presented Astrid with some preferred activities, such as coloring and drawing. These were the only activities Astrid and the clinical team engaged in until the end of the assessment. Astrid's communication were probed. Compliance was probed first. Astrid did not complied with the one step instruction, look at me, nor did she talk unless reinforcer was removed. Even when the reinforcers where moved, Astrid talked in a low voice, similar to a wisper. It wasn't until the clinical team told a few sarcastic jokes and acted silly did she engage.

Her statement coincided with her affect during a session. When discussing her complex trauma she presented emotions of anger. Samantha would become red, spoke rapidly with a high pitch, shook uncontrollably and gave detailed stories. However, when she spoke about her mother and son, Samantha was hesitant about the information she shared. At the beginning, she would pause and her affect became flat, her eyes would water up, she had a soft voice, and her body would freeze. The information Samantha disclosed about her mother and son was fragmented with missing information that she had no recognition of. She was only able to discuss about her mother and son to a certain point before she became disengaged from the conversation. Samantha reported

The purpose of this field visit was to determine the Insured’s current medical status and any changes in his