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This Is What You Want to See at a School!

HB Middle School students surprised Principal Aaron Selekman, recognizing him during National Principal Month. He was a principal at Mote Elementary School, which is located in the 19th District, for many years. I would visit Mote a few times a year and I witnessed firsthand the compassion and dedication he had for his students, their families and the staff. The staff at Mote really loved working with him; he makes you a part of a team, you don’t work for him, you work with him. He is an outstanding principal.

Watch the video, H.B. du Pont Middle School surprises principal Aaron Selekman.

WEIC Update

I attended the Red Clay School Board meeting last night and WEIC updated the board. I don’t have much to report back, they are still working on the plan. Here is the presentation that was presented last night. The commission is suppose to be releasing the draft report sometime next month and the State Board will vote on it in January.

  • One recommendation that is being made by the WEIC Commission is to delay implementation until fall 2018.
  • State needs to commit to addressing poverty in our schools whether or not this plan goes through.
  • School resources must be made available.
  • Not enough time is available to construct this plan properly.
  • Board members are very concerned about the financial burden this may place on Red Clay and the residents.
  • They are also concerned about the state approving a plan and then not properly funding the plan. Example: state promised a certain amount of funds for the three priority schools and then that amount changed when it was time to implement the plan.
  • A comment was made by one member of the WEIC group basically saying to the state don’t move forward with any plan unless you are going to get the plan right.

Taking Advantage of Someone During One of the Most Difficult Times in One’s Life

What will insurance companies think of next to take advantage of our constituents especially during one of the most difficult times of their lives? I received this press release from Commissioner Stewart regarding “Widow’s Penalty” and I could not believe what I was reading. Delaware is not going to take part of this practice.  Below is the press release from the Commissioner’s Office.

Commissioner Stewart Outlaws “Widow’s Penalty” In Setting Auto Insurance Rates
Says Practice Is Not Supported By Facts

DOVER, DE (October 21, 2015) – Insurance Commissioner Karen Weldin Stewart announced today that she will not approve any auto insurance company’s rate submission that includes a “widow’s penalty,” under which a widow or widower is charged a higher rate based solely on the change in his or her marital status following the loss of a spouse.

“This so-called ‘widow’s penalty’ is completely unfair,” said the Commissioner. “Becoming a single driver because of the death of your spouse is not the same as being a young, inexperienced single driver. I will not approve any auto insurance rate filings that cannot provide actuarially sound data for including widows and widowers in a higher single rate category.”

Automobile insurance companies are permitted to charge inexperienced drivers, such as teenagers, a high premium because some actuarial studies show that young single drivers file more claims than young married drivers. However, the Delaware Insurance Department is not aware of any such data showing that older single drivers exhibit the same behavior when compared to older married drivers.

The Insurance Department recognizes that marital status is not the only reason why auto insurance premiums can change following the loss of a spouse. For instance, many companies offer multi-policy discounts for having both life and auto policies with that company. If one of those policies ends, such as a life insurance policy after a spouse dies, that discount may be cancelled. Also, a married couple on a policy might have their driving records considered together when determining the premium. When one spouse dies, the premium will change to reflect the risk of the remaining driver. If that driver has a better driving record than his or her spouse, the premium may go down. However, the reverse is also true.

The new policy, contained in Auto Bulletin No. 23, is effective immediately and is directed to all insurers writing automobile insurance coverage in Delaware. Commissioner Stewart reminds consumers that the policy only applies to rate reviews going forward, so current policyholders should shop around and get quotes from other insurance companies if their auto premium has recently increased.

The full text of Auto Bulletin 23 may be found at http://www.delawareinsurance.gov/departments/documents/bulletins/autobull23.pdf