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Age Discrimination In Employment Act (adea) A 1967 federal law that prohibits employers with 20 or more employees from discriminating on the basis of age in hiring, job retention, compensation, and benefits. ADEA also sets requirements for the duration of employer-provided disability benefits.
Age/sex Factor A measurement used in insurance underwriting. It represents the age and sex risk of medical costs of one population relative to another. For example, a group with an age/sex factor of 1.05 would be expected to incur medical costs 5% greater than the average.
Age/sex Rates (asr) Set of rates for a grouping based on age and sex categories used to calculate premiums. This type of premium structure is often preferred over single and family rating in small groups because it automatically adjusts to demographic changes in the group. Also called table rates.
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Position:
Associate
Law Firm Name:
Brenner, Evans & Millman, P.C.
Areas of practice:

Family Law

Subrogation

Other

Civil Litigation

Litigation, Mediation & ADR

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Biography:
Practice areas Civil litigation Insurance defense Family law Personal injury defense Subrogation Admitted Virginia, 2012 U.S. District Court, Eastern District of Virginia, 2012 U.S. District Court, Western District of Virginia, 2012 Education University of Richmond, J.D., cum laude, 2012 Purdue University, B.A., summa cum laude, 1992 Certifications Certified Mediator, Supreme Court of Virginia Associations and memberships Virginia State Bar Association Richmond Bar Association (Member, Family L
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Position:
Associate
Law Firm Name:
Emile Banks & Associates, LLC
Areas of practice:

Personal Injury

Subrogation

Medical Malpractice

Other

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Biography:
Brenda M.S. Rivecca, an associate at Emile Banks and Associates, LLC, has experience in legal issues involving insurance defense litigation, including subrogation, premises liability, construction defect and medical malpractice. Ms. Rivecca was named a Rising Star Super Lawyer in Milwaukee Magazine for 2009, an honor given to only 2.5% of all lawyers under 40. Prior to becoming an associate with Emile Banks and Associates, LLC in 2005, Ms. Rivecca worked for the U.S. Department of Justice, U.S.
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Position:
Associate
Law Firm Name:
Emile Banks & Associates, LLC
Areas of practice:

Subrogation

Other

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Biography:
Karri E. Zwicker, an associate at Emile Banks and Associates, LLC, has experience in and practices insurance defense litigation including claims for personal injuries, subrogation (ERISA and non-ERISA, worker's compensation and property and casualty), premises liability, construction defects, worker's compensation, coverage issues (property and casualty, life, auto and commercial general liability) and business disputes. Ms. Zwicker also has experience in life insurance claims issues and legal
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Position:
Partners
Law Firm Name:
Veatch Carlson
Areas of practice:

Other

Personal Injury

Subrogation

Vehicle Accidents

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Biography:
 PETE E. ALMEIDA was admitted to the California bar in 1992. He received his Bachelor of Arts degree in 1984 from Chapman University and his Juris Doctorate degree from Pepperdine University in 1991.         Mr. Almeida began his career specializing in premises liability, automobile accidents, insurance bad faith, attorney malpractice, property and third party subrogation. His reputation in the legal community led to his speaking extensively throughout Southern California about third party subr
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Position:
Attorney
Law Firm Name:
Barnes & Barnes
Areas of practice:

Fiduciary Law

Other

Consumer Finance

Trusts Wills and Estate

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Jeffrey Soderborg was born and raised in Santa Barbara, and became associated with the firm after three years of litigation practice in San Francisco. Mr. Soderborg earned his law degree from the University of California, Hastings College of the Law in 2009, following his attainment of a bachelor degree in political science from the University of California, Los Angeles, with honors, summa cum laude and Phi Beta Kappa. While at Hastings, Mr. Soderborg participated in Moot Court and Trial Advoca
Hispanics owned 2.3 million nonfarm U.S. businesses operating in the fifty states and the District of Columbia in 2007, an increase of 43.7 percent from 2002. These Hispanic-owned firms accounted for 8.3 percent of all nonfarm businesses in the United States, 1.6 percent of total employment and 1.1 percent of total receipts. In addition, 242,766 nonfarm U.S. businesses were equally (50-percent/50-percent) owned by both Hispanics and non-Hispanics. (This group was counted as "Non-Hispanic" in 2002.)
Census Bureau
In 2007, 30.0 percent of Hispanic-owned U.S. firms operated in construction (NAICS 23) and repair, maintenance, personal, and laundry services (NAICS 81) sectors. Hispanic-owned U.S. firms accounted for 10.4 percent of all U.S. businesses in these sectors. Chart A [pdf, 65K] shows the distribution of Hispanic-owned U.S. firms by sector. Wholesale trade (NAICS 42), construction (NAICS 23), and retail trade (NAICS 44-45) accounted for 50.8 percent of Hispanic-owned business revenue.
Census Bureau
Among Mexican-owned U.S. firms, 32.3 percent were in the construction (NAICS 23) and repair, maintenance, personal, and laundry services ( NAICS 81) sectors. Mexican-owned U.S. firms accounted for 5.1 percent of all U.S. businesses in these sectors. Chart B [pdf, 65K] shows the distribution of Mexican-owned U.S. firms by sector. Construction (NAICS 23), retail trade (NAICS 44-45) and wholesale trade (NAICS 42) accounted for 47.9 percent of Mexican-owned business revenue.
Census Bureau
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