Latest news with #Morrow
Malaysian Reserve
2 days ago
- Business
- Malaysian Reserve
Liberty HealthShare Gets Another GuideStar Gold Seal
Earned GuideStar Gold Seal Four Straight Years Received Charity Navigator 4-Star Rating for 2025 Only Healthshare Ministry with Both Gold Seal and 4-Star Rating CANTON, Ohio, July 17, 2025 /PRNewswire/ — For the fourth straight year, Liberty HealthShare® has been awarded the GuideStar Gold Seal by Candid, ranking it among the country's best non-profit organizations for transparency and accountability. The Gold Seal recognizes non-profits for sharing information about their finances, leadership, demographics, programs, organization, and mission. Less than two percent of the 1.8 million organizations included on Candid have earned a Gold Seal. 'We are pleased to have been recognized with the 2025 Gold Seal from Candid,' said Dorsey Morrow, Liberty HealthShare chief executive officer. 'Combined with our 4-star rating from Charity Navigator, it demonstrates our commitment to accountability and operational excellence. We strive to be a good steward of our members' contributions.' Liberty HealthShare is the only healthshare ministry in the United States to hold both the GuideStar Gold Seal and Charity Navigator's 4-Star rating. Candid's GuideStar rankings are the world's largest source of information on non-profit organizations. Its mission is to revolutionize philanthropy by providing information that advances transparency, enables users to make better decisions, and encourages charitable giving. Candid was formed in 2019 when GuideStar and Foundation Center merged. Charity Navigator reviews more than 200,000 non-profit organizations on their accountability and finance, impact and results, culture and community, and leadership and adaptability. Liberty HealthShare's 90% score for 2025 is its highest rating ever. Established in 1995, Liberty HealthShare provides a cost-effective, faith-based alternative to health insurance. Members enjoy the freedom to choose their own providers while participating in a compassionate, Christian community. Transparency and stewardship are central, with programs tailored for families, seniors, and individuals. 'While healthcare costs rise across the country, Liberty HealthShare is able to offer our members an alternative to insurance that provides greater value at lower costs,' said Morrow. Liberty HealthShare offers six affordable medical cost sharing programs that are designed to fit the needs and budgets of individuals as well as different types and sizes of families. Suggested monthly share amounts for individuals range from $87–$369. Share amounts for families of four start at $319 per month. Most programs include access to both urgent care and mental wellness telehealth visits along with access to discounts for prescription drugs, dental care, vision care, and even LASIK surgery. Liberty Dental, the ministry's dental sharing program, features suggested monthly share amounts as low as $35 and allows members to see the dentist of their choice without any network restrictions. As Liberty HealthShare is not insurance, enrollment is available year-round with no requirement for special life events to qualify. For more information about its sharing programs visit or call (855) 585-4237. Earlier this year, Liberty HealthShare established the Sharing Hearts Fund for Pediatric Wellness, a charitable arm of the ministry that seeks to provide support to Stark County, Ohio families with medical needs related to pediatric wellness. Liberty HealthShare is a non-profit 501(c) (3) charitable Christian medical cost-sharing ministry focused on members helping each other in times of need. The faith-based program, which facilitates healthsharing for its members, is a caring community of health-conscious individuals and families who choose to support one another and agree to the Christian values of stewardship to make healthcare affordable for all. Liberty HealthShare is not an insurance company nor is it offered through an insurance company. Liberty HealthShare's Sharing Programs do not guarantee or promise that a member's medical bills will be paid or assigned to others for payment. Whether anyone chooses to pay a member's medical bills will be totally voluntary. As such, Liberty HealthShare's Sharing Programs should never be considered as a substitute for an insurance policy. Whether a member receives any payments for medical expenses and whether or not Liberty HealthShare continues to operate, the member is always liable for any unpaid bills.
USA Today
4 days ago
- USA Today
Don't panic: A step-by-step guide to lost or delayed airline bags
Cruising Altitude is a weekly column about air travel. Have a suggestion for a future topic? Fill out the form or email me at the address at the bottom of this page. You arrive on vacation and you're waiting for your bags to show up on the belt. You wait. And you wait. And you wait some more. And eventually you realize they're not coming. Your bags have been lost, or at least delayed (I'll explain the difference later). Now what? As frustrating as it can be, you shouldn't panic, and you definitely shouldn't yell at any of the airline employees who are on hand to help you. You may be about to enter a vortex of claims forms and phone calls that can feel like something out of a dystopian novel, but none of the people you interact with are directly at fault, so proceed with politeness. The first thing you actually need to do, before you even leave the airport, is notify the airline that your bag didn't show up. After that, it's a good idea to know your rights and to keep your paperwork in order. Here's what to do if it happens to you. File a claim The first thing you need to do is make sure all the other bags from your flight have arrived. You're not going to get anywhere if you're just being impatient and want to get to your hotel faster and have your bags delivered later. But once you're certain your bags aren't in the airport, you need to start the claims process. 'Make a report,' Suzanne Morrow, CEO of InsureMyTrip, told me. 'Obviously, they ask you to describe your bag or bags, they collect your airline info, so you want to have everything handy,' like your flight number, departure, and any connecting airports and information about where you're staying. Morrow said an airline lost her family's bags on a vacation they took a few years ago, and she found that the more information she was able to provide, the better. Keep your receipts The Department of Transportation requires airlines to reimburse passengers for 'reasonable, verifiable, and actual incidental expenses' that a traveler incurs as a result of an airline losing track of their bag. These are typically essentials like basic clothing and toiletries. 'Obviously, they're not going to cover something if you go crazy,' Morrow said, so don't go down to the luxury shops and buy a new designer bag, expecting the airline to pay for it. But when the time comes for reimbursements, you'll likely have to be able to prove what you spent. 'We went to the gift shop and bought toiletries and some other things. Keep all your receipts and everything you spend related to not having your luggage,' Morrow said. Airlines are also required to refund baggage fees for luggage they mishandle. Last week's Cruising Altitude: Is it cheaper to buy a roundtrip ticket or two one-ways? Stay in touch with your airline Once you've filed a claim, you should keep in touch with your airline about updates and about what's going to be needed for expense reimbursement once you are reunited with your luggage. Each airline has a slightly different process, so it's a good idea to talk to their representative when you make your report and check out the website's lost luggage section to learn more about your carrier's policy. Use technology to help Airlines are increasingly rolling out enhanced bag tracking tools. Many U.S. airlines now have Apple Find My capability integrated into their apps, meaning passengers can link AirTags with their reservations to help keep track of their bags. U.S. airlines that have this capability include: Reach out to your insurance Once you've been reunited with your bags, or they've officially been declared lost, you should also get in touch with your insurance company. Travel insurance may be able to help, but Morrow said homeowners' or renters' insurance may also cover some costs associated with lost or delayed luggage. She noted that insurance companies will usually only cover expenses over and above what the airline already covers, so it's important to file all your expenses with the airline itself first. After that, make sure you're taking advantage of the most generous policies available to you. 'People can overinsure, but you're not going to be able to make multiple claims on the same thing,' Morrow said. 'If you did get double coverage for some reason, I would look to whoever has the least exclusions, the best benefits.' Delayed vs lost bags Colloquially, most people probably think of bags that don't make it to where you're going at the same time as you and bags that are well and truly mislaid as 'lost,' but the DOT and international regulations draw a distinction between these two categories. More details are available on the agency's website, though the department doesn't specify an exact timeline for when bags are considered delayed versus permanently lost. According to the DOT, airlines are allowed to set their own policies on when a bag can be considered lost, which typically happens five to 14 days after the flight. Once bags are considered lost, airlines are required to reimburse passengers up to $4,700 for domestic flights, and up to (approximately) $1,700 for international flights, based on the value of the items lost, though carriers are free to reimburse at higher amounts.
Sky News AU
7 days ago
- Politics
- Sky News AU
TV host drops ‘truth bomb' about left's ‘selective outrage' over latest ICE raids
Sky News host James Morrow discusses the left's 'selective outrage' over immigration in the United States and how 'grassroots protests' are being driven by 'big money and big politics'. This comes after federal agents conducted immigration enforcement raids on state-licensed marijuana nurseries in coastal Southern California, where they were later confronted by throngs of angry protesters. 'Despite what the left has claimed about this (immigration) policy, disaster has not ensued,' Mr Morrow said. 'Now we see what the left's so angry about – they're not angry because honest, law-abiding Americans may have to pay more to put food on the table. 'They're worried that someone might cut off their weed supply.'
Sky News AU
08-07-2025
- Politics
- Sky News AU
China is using Australia's Chinese community to influence local elections, Taiwanese official claims - and the Albanese government knows it
Beijing is actively attempting to influence elections in Australia using local agents embedded in the Chinese-Australian community and Australian officials are aware of it, according to a senior Taiwanese government figure. In a column published by The Daily Telegraph, Sky News host James Morrow revealed that during a visit to Taiwan, Deputy Minister Yu-chung Shen of Taiwan's Mainland Affairs Council alleged that the Chinese Communist Party (CCP) has been working through diaspora networks in Australia to interfere in domestic politics. 'One high level official at Taiwan's Mainland Affairs Council - Deputy Minister Yu-chung Shen of Taiwan's Mainland Affairs Council - told this masthead that yes, Beijing tries to use local agents in the overseas Chinese community in Australia to influence local elections,' Morrow wrote. 'This was no hearsay, he said, but instead was confirmed to him in briefings with Australian foreign affairs officials.' Yu-chung Shen, speaking through a translator, told Morrow that he had been briefed directly by Australian officials about the challenges Australia faces regarding electoral interference. 'Mainland Chinese governments are using or dependent on local cooperatives to divide the society,' Shen told Morrow. He added: 'We got to know more about (this issue) during our meeting with Australian officials regarding the difficulties they are facing (with) the elections in Australia.' Morrow's revelations come as Prime Minister Anthony Albanese prepares to visit Beijing later this week, where he is expected to receive a high-profile welcome from Chinese President Xi Jinping. However, Morrow questions what price that hospitality may carry, warning that Australia's 'stabilised' relationship with China may amount to Canberra turning a blind eye to Beijing's aggressive tactics across the Indo-Pacific - including direct interference in Australian democracy. He criticised what he sees as the Albanese government's reluctance to address China's covert political activities at home, noting how previous concerns raised by political opponents have been met with accusations of racism or dismissed entirely. 'In Australia, of course, Chinese influence campaigns are the threat that dare not speak their name,' he wrote. Morrow referenced the controversy surrounding Liberal senator Jane Hume's remarks about 'Chinese spies' during the last federal election, noting how Labor seized on the issue to shift the conversation away from foreign interference. He also accused the Albanese government of treating foreign policy as an extension of domestic politics, and warned that their attempt to walk a diplomatic tightrope between Beijing and Washington could backfire, especially with a Trump-led US administration. 'This is dangerous business, and readers can be sure this is being noticed in Washington,' Morrow wrote. 'With everyone fearing that the world is in the midst of another 1930s-style crisis, it's worth remembering that Neville Chamberlain came back from Munich promising peace in our time. 'Those with long memories should remember how that went, should Albanese come home proclaiming 'stability!'' The Home Affairs Department and the Foreign Affairs Department have both been contacted for comment.
Irish Independent
08-07-2025
- Business
- Irish Independent
Revenue veto ‘caps use of Scarp small business rescue scheme'
The latest Scarp Index from accountancy firm Azets, where Mr Morrow is a partner, shows construction, hospitality and alcohol producing sectors accounted for the highest proportion of businesses using the scheme so far this year. It also shows a 15pc increase in the number of businesses being restructured using the Scarp, compared to the first half last year, an increase that is consistent with higher numbers of insolvencies and other forms of distress. The latest index shows a total of 100 business have now used the Scarp process since scheme launched in 2021. Mr Morrow says 1,314 jobs have saved thanks to use of the rescue process. Scarp was introduced following lengthy consultation with industry as an alternative to the more expensive and lengthy examinership regime. The idea is to provide a simplified restructuring mechanism for viable small companies facing financial distress, with only a relatively light court involvement. A Scarp process is initiated by companies themselves and can begin without any court approval being required, helping to slash overall costs. The first step is the appointment of a specialist adviser – generally an accountant specialising in insolvency who must then notify creditors the process is under way and they have 50 days to come up with a rescue plan acceptable to the various affected parties. Including a 21-day cooling-off period, the process must be concluded within 70 days. Creditors who stand to lose under a rescue deal can object. Crucially however, state agencies including Revenue and the Department of Social Protection, can opt out of a Scarp arrangement, meaning even if a deal is done with other creditors and landlords, for example, a business may be left with what is regards as unsustainable tax debts including warehoused Covid era liabilities. Mr Morrow says Revenue has in practice been willing to engage with rescue efforts, but the risk it will not row in behind a scheme is a disincentive to businesses operators from attempting to restructure. 'The Revenue opt out does deter businesses,' he said. It is one of a number of issues identified by Azets following an analysis of the 100 Scarp cases. It is calling for the existing Revenue opt-out at the start of the process to be removed. It also argues the short time frame of the process can create resource constraints in particular for micro companies where an individual may be responsible for a number of areas within the business – everything from staffing the counter to bookkeeping. The proposed solution is to bring the process to a pre-populated form-filling stage as a first phase. Meanwhile, the Scarp Index for the first half of the year shows 15 processes have started to date in 2025: hospitality (20pc) accounted for the highest proportion of cases, followed by the construction (13pc) and alcohol producing (13pc) sectors, an indicator that uncertainty around trade tariffs may already be impacting the export orientated boutique spirits sector. Among the businesses to have successfully undergone Scarp with the support of Azets advisers this year are Big Mike's Restaurant in Blackrock and New Century Engineering.
