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The following is an example of a dual trigger insurance contract with a provision that adjusts the retention amount downward based on the performance of a specified equity index. Please fill in the missing values in the table.

The insurer enters into an insurance contract with the insured (NPTW) to indemnify NPTW for certain insured losses in excess of a defined retention. The intent of the coverage is to protect NPTW from significant or catastrophic property-casualty losses. The coverage would include a retention amount that would be adjusted downward according to a scale tied to the Dow Jones Industrial Average (DJIA). If a catastrophic loss occurs, NPTW would likely have to liquidate some of its investment holdings (bonds or equities) to pay its losses, which exposes NPTW to significant investment risk in a down market. The adjustment feature provides protection against investment risk by allowing NPTW to recover more losses in a declining investment market.

Coverage: Property Losses

Period: 1/1/2019 through 12/31/2019

Retention: $10 million per occurrence, adjusted downward in the same percentage as period-to-date (from 1/1/2019 to measurement date) decreases in the DJIA, not to exceed 50%. No upward adjustments. 

Limit: $15 million per occurrence, $15 million per annum

Premium: $1.4 million per annum

Both of the following scenarios assume that the DJIA on 1/1/2019 was 24,000. Please fill in the retention amounts and recovery under the insurance contract for each scenario. 

“Anxiety Disorder Case Study: Willy”Program Transcript

WILLY: My name is Willy. I’m 35 years old. I’ve been divorced for five years and I don’t have any children. I am not seeing anyone at the moment.

My biggest problem is reliving events from my past. I joined the army when I was 18 years old. I love the structure of military life and the resources the army provided. I enjoyed the educational opportunities. And I also knew I would have a roof over my head and something to eat.

I was doing well in the military. So I stayed in for about 10 years. During that time, the US became involved in a number of foreign conflicts and initiatives. I was deployed to Afghanistan during one of my last years in the army.

In Afghanistan, my perspective on what I was accomplishing shifted dramatically. In one instance, I witnessed my best, most trusted friend shoot a young, unarmed girl just because she wore hijab. My fears after witnessing this event changed me forever. I became disenchanted with the army as I thought about all the people who were killed.

In the face of that girl, I saw my sister’s daughter, Heather. It seems now that every night I had dreams of war and genocide. Occasionally, during the worst times, I thought about whether it would have been better for me to have died in that country instead of returning to this miserable life. I wonder every day, if I had turned in my friend, would I not be haunted by this girl’s memory.

I panic at some point most days. I become agitated and lash out when my mind is on the past. It interferes with my work and my relationships with my coworkers. After I calm down, I tell myself that it doesn’t make sense for me to be panicking. But I know it will happen again. Sometimes, I’m afraid I might hurt someone if they startle me.

For this Discussion, view the media case studies titled Anxiety Disorder Case Study: Willy about Post-Traumatic Stress Disorder and Anxiety Disorder Case Study: June about Panic Disorder With Agoraphobia. Consider the uses and benefits of anxiolytic medications in the treatment of panic disorders, phobias, obsessive-compulsive disorder, post-traumatic stress disorder (PTSD), generalized anxiety disorder, and social anxiety. Also, consider the general challenges in assessment, differential diagnosis, and use of psychopharmacological treatment for these conditions. In terms of addiction potential, recall how benzodiazepines mimic the effects of alcohol and other central nervous system depressants. Finally, consider the role of the counselor in terms of communication, including permission to contact a psychiatrist or physician or protecting the client from self-harm.

Post by Day 4 the challenges of treating the anxiety disorder of the client you selected. Then describe at least three potential anxiolytic medications that may be effective in treating this client and explain the potential addiction risk of each. Explain how this information might influence a counselor’s approach to counseling this client. Finally, explain the role of the counselor in communicating concerns to other health care professionals.

I posted the case study (PTSD)