Each November the Insurance Committee reviews the premium and claims experience of the past 12 months of the Member Group Life Insurance plan. Any surplus funds remaining after payment of claims and administration expenses are returned to plan participants in the form of a premium refund. Historically this refund has represented anywhere from 20% to 65% of premiums on coverage up to $500 000—one of the benefits of membership in the BCMA!
Last year we notified plan participants that effective December 2007 refunds will be provided only by direct deposit to the member’s bank account or as a credit applied to their premiums for the following year. Refund cheques will no longer be issued.
This year, the Insurance Committee has approved a refund of 55% of 2006 premiums on the first $500 000 of life insurance. If you have not provided us with your personal banking information, we have applied your 2006 refund to your 1 January 2008 member group life premium invoice. If you would prefer to have future refunds deposited to your bank account, please contact Karen Paul at 604 638-2836 or toll free 1 800 665-2262, ext. 2836 for the appropriate form.
—Sandie Braid, CEBS
Above is the information needed to cite this article in your paper or presentation. The International Committee
of Medical Journal Editors (ICMJE) recommends the following citation style, which is the now nearly universally
accepted citation style for scientific papers:
Halpern SD, Ubel PA, Caplan AL, Marion DW, Palmer AM, Schiding JK, et al. Solid-organ transplantation in HIV-infected patients. N Engl J Med. 2002;347:284-7.
About the ICMJE and citation styles
The ICMJE is small group of editors of general medical journals who first met informally in Vancouver, British Columbia, in 1978 to establish guidelines for the format of manuscripts submitted to their journals. The group became known as the Vancouver Group. Its requirements for manuscripts, including formats for bibliographic references developed by the U.S. National Library of Medicine (NLM), were first published in 1979. The Vancouver Group expanded and evolved into the International Committee of Medical Journal Editors (ICMJE), which meets annually. The ICMJE created the Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals to help authors and editors create and distribute accurate, clear, easily accessible reports of biomedical studies.
An alternate version of ICMJE style is to additionally list the month an issue number, but since most journals use continuous pagination, the shorter form provides sufficient information to locate the reference. The NLM now lists all authors.
BCMJ standard citation style is a slight modification of the ICMJE/NLM style, as follows:
- Only the first three authors are listed, followed by "et al."
- There is no period after the journal name.
- Page numbers are not abbreviated.
For more information on the ICMJE Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals, visit www.icmje.org