CUDOS is based on the Mertonian norms introduced in 1942 by Robert K. Merton. Merton described four sets of institutional imperatives [comprising] the ethos of modern science: universalism, communalism, disinterestedness, and organized skepticism..
Hanover policies are sold by more than 5,000 independent, affiliated agents located in cities and towns across the country. When you buy a Hanover Insurance Group business policy, you get the one-on-one attention you need to be confident youâre getting the right coverage for your unique business needs.
Free Consultation Â» Talk to a lawyer now. Insurance companies sell disability insurance polices with the hope that they will never need to pay monthly benefits to an insured. Once an insurance company becomes obligated to pay an insured monthly disability benefits, the insurance company is losing money. In effort to cut their losses, most disability insurance companies are always interested in the opportunity to buy-out an insuredâs disability policy for a one-time lump sum amount. We have represented hundreds of individuals in an effort to obtain the maximum lump-sum buyout possible.