This is a can of ready-to-go dulce de leche, but Iâve always thought it was cool that you can pretty much make this yourself by simmering cans of sweetened condensed milk! Itâs nice if youâre stuck in Antarctica and need dulce de leche but canât find any in your local supermarket.
Using either simply to reduce premiums is foolish, and could prove to be very dangerous. A self-insured retention means that the insured carries a fixed amount of risk, including adjusting and legal expenses. The insurance policy, whether a primary or umbrella contract, is excess coverage above the SIR.
Employee portions of fully insured premiums often are deducted pre-tax through payroll. Self-insured and fully insured policies are two very different approaches to employer-sponsored group medical plans. With a self-insured policy, the player sets up a plan that pays for insurance claims as they arise. With the more common fully insured plan, the employer pays regular premiums to the provider in exchange for guaranteed payment of benefits on claims.