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The Treasury Department issued interim guidance to assist the insurance industry in meeting new requirements for the Terrorism Risk Insurance Program . The health certificates created by H.R. 2698 would be more desirable than these restrictive public programs for much of the uninsured population because the certificates would allow recipients to choose the insurance that best suits their needs , including their employer-offered health plan . These savings free money for contributions to the trust to pay the insurance premiums . And , since those likely to need care and spend down or transfer assets cannot be identified so far ahead , the target audience , in NYSDOH 's own terms , " must include every State resident with sufficient resources " to be able to buy the insurance . If you do n't get a separate check from your insurance company for the contents of your home and other expenses , the lender should release the insurance payments that do n't relate to the dwelling . Even the letter notifying the complainant that his benefits were being terminated made it clear that the examiner 's role was to assist the insurance company in determining its position with respect to the complainant 's continuing claim for benefits .