Sara, a 50-year-old working professional, was in a car accident. She suffered some serious injuries and submitted a claim for permanent partial disability benefits with her insurance company. Her personal physician had already provided detailed documentation. But her insurance company requested her to attend an examination with another doctor, provided by them. This doctor, they said, is an "insurance doctor." Now, this was something new to Sara. But is it a new concept? Let us find out. Who Is an Insurance Doctor? Insurance doctors play a critical role in the insurance sector, which is quite underrated and misunderstood. Most of us assume that they actually replace the role of our treating physicians, but that is not the case. Our physicians treat us in case of any mishap, but they do not assess or evaluate our level of injury or disability. But then, who actually does it? This work is done by Insurance doctors, which, in turn, impacts or affects our insurance benefits. Th...
The Morgan Stanley and Climeworks AG Deal... The latest deal between Zurich-based Climeworks AG and Morgan Stanley related to corporate social responsibility activity, aiming to permanently remove 40,000 tons of carbon dioxide from the atmosphere is an ambitious step towards environmental sustainability by using funds for climate change mitigation. It shows a commitment to framing credible strategies and meeting climate sustainability goals to control the catastrophic outcome that our planet may have to face in generations to come. What Climeworks gains from it? The agreement towards environmental stability will facilitate Climeworks' scaling up its Direct Air Capture technology in the United States, which is crucial because it is a strong supporter and the largest technology provider to Project Cypress, which aims to capture and store CO2 from the air. Morgan Stanley, in this case, is playing a very important role in fulfilling its dedica...