Wednesday,  July 10, 2013 • Vol. 14--No. 353 • 22 of 31

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• Long-term care policies offer consumers a way to manage the financial risks that come with aging. They can help pay for home health care, assisted living and nursing homes.
• Ability has been sued in at least five states. The company says it has enacted reforms that should put an end to the lawsuits. Ability did not immediately respond to Associated Press requests for comment on the South Dakota fine made by telephone and email on Tuesday.
• Claims denied by Ability have already been reprocessed, according to the Insurance Division.
• "Claims were paid and re-adjudicated during the examination process and the company has instituted substantive changes that will be monitored going forward," state Insurance Director Merle Scheiber said in a statement. "Although this process was confidential during the examination, the Division of Insurance has been continually protecting South Dakota consumers throughout this period."
• Gov. Dennis Daugaard last month asked South Dakota Labor Secretary Pam Roberts to review her agency's procedures for investigating consumer complaints against insurance companies in the wake of the Argus Leader's report. Roberts' review concluded that the Insurance Division needed more oversight from supervisors and the secretary.
• Scheiber said the fine levied against Ability "should remind all long-term care companies that we expect them to play by the rules."

10 Things to Know for Today
The Associated Press

• Your daily look at late-breaking news, upcoming events and the stories that will be talked about today:
• 1. NEW PRIME MINISTER BEGINS ROCKY TRANSITION IN EGYPT
• Economist Hazem el-Beblawi was to begin forming a cabinet as Morsi supporters vowed to continue street protests until the ousted leader is returned to power.

• 2. CRASH PROBE FOCUSES ON AUTOMATED LANDING SYSTEM
• The NTSB says Asiana pilots relied on the equipment to control the speed of the jet that came in to San Francisco too slowly.

• 3. WHO'S RESPONSIBLE FOR CANADA RAIL WRECK
• Police opened a criminal probe into the derailment that killed at least 15. Officials raised the possibility the train was tampered with before the crash.

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