vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Pre-need Q & A - Cemetery and Funeral Bureau
A. Only you can make changes to your arrangements before they are needed. If your instructions are clear and you’ve made provisions to pay for the costs, your survivors cannot make changes. Survivors can make changes only if your documents allow changes or if the arrangements are incomplete, unclear, or not fully paid for.
Q. Should I pay for my preneed choices ahead of time?
A. Prepaying spares your survivors the burden of arranging payment. It also keeps you in control of the costs and ensures that your wishes can and will be carried out.
Q. How do I prepay funeral and cemetery expenses?
A. Prepayment methods include life insurance, funeral insurance, funeral trusts, and bank-held trusts or savings accounts. You may wish to consult an attorney and Medicare or Medicaid, if applicable, before making a decision about paying for preneed expenses.
Here are four common ways to pay for preneed services. Each method has its own advantages and disadvantages:

Life insurance specifically purchased for funeral arrangements will pay a fixed amount based on the face value of the policy. Generally, the face amount is the same as the amount of the services, merchandise, and cemetery costs. Unless your preneed contract guarantees the costs of the merchandise and services, your survivors may need to pay some of the expenses.
Funeral insurance can be purchased in an amount to pay for services, merchandise, and cemetery costs. If the costs are guaranteed, the insurance should cover all the expenses. Before you purchase funeral insurance, you should be told in writing exactly how much you will pay and what will happen if you do not pay the insurance premiums.
Funeral trusts can be purchased in an amount to pay for services, merchandise, and cemetery costs. If the costs are guaranteed, the trust should cover all the expenses. Before you purchase a funeral trust, you should get answers to the following questions: Are the costs guaranteed? What are the cancellation terms? If the trust fund increases in value, who will receive any remaining money after the contract is fulfilled? What happens if the death occurs before the trust is paid in full?
Bank-held trusts or savings accounts are accounts you establish to pay for funeral expenses.
California Rules of Court: Title Ten Rules
(C)  In the case of requests for records for commercial use, a judicial branch entity may impose, in addition to the fee in (B), a fee reasonably calculated to cover the actual costs of staff search and review time, based on an hourly rate for salary and benefits of each employee involved.
(D)  For purposes of this rule:
(i)  "Commercial use" means a request for a use or purpose that furthers the commercial, trade, or profit interests of the requester or the person on whose behalf the request is being made. A request from a representative of the news media that supports its news-dissemination function is not a request for a commercial use.
(ii)  "Representative of the news media" means a person who regularly gathers, prepares, collects, photographs, records, writes, edits, reports, or publishes news or information that concerns local, national, or international events or other matters of public interest for dissemination to the public for a substantial portion of the person's livelihood or for substantial financial gain.
(iii)  "Search and review time" means actual time spent identifying and locating judicial administrative records, including material within documents, responsive to a request; determining whether any portions are exempt from disclosure; and performing all tasks necessary to prepare the records for disclosure, including redacting portions exempt from disclosure. "Search and review time" does not include time spent resolving general legal or policy issues regarding the applicability of particular exemptions.
(E)  By January 1, 2012, the Judicial Council will review and evaluate the numbers of requests received, the time necessary to respond, and the fees imposed by judicial branch entities for access to records and information. The Judicial Council's review will consider the impact of this rule on both the public's access to records and information and on judicial branch entities' ability to carry out and fund core judicial operations.
(5)  Inspection
A judicial branch entity must make judicial administrative records in its possession and not exempt from disclosure open to inspection at all times during the office hours of the judicial branch entity provided that the record is of a nature permitting inspection.
(6)  Time for determination of disclosable records
FAQs - Cemetery and Funeral Bureau
The client retains the exclusive power to hold, manage, pledge, and invest the funds in that account. The funeral establishment does not receive any money directly or indirectly from the client for deposit into the savings account; or
 There is no delivery whatsoever to the funeral establishment of money to pay for the services or merchandise, until such services or merchandise have been provided. Thus, if a consumer purchases insurance for pre-need services and/or merchandise and makes payments directly to the insurance company, this arrangement is exempt. Similarly, if the consumer purchase is made through a trust company, with deposits made directly to the trust company, this arrangement is also exempt. 

It should be noted that funeral establishments with pre-need funeral trust funds must file annual reports on these trust funds with the Bureau.
CONSUMER
Who Has the Right to Make Decisions?
The California Health and Safety Code, Section 7100 identifies who has the right to make decisions about disposition arrangements after an individual's death if no directions are left. Family Code Sections 297 and 297.5 were added January 1, 2005 to include registered domestic partners to the following list of individuals. The responsibility for making decisions devolves in the following order: agent under a power of attorney for health care, spouse or registered domestic partner, adult children, parents, adult siblings and other competent adult kin. NOTE: Exceptions may apply in certain situations. You may wish to consult with an attorney.
Always check the license status of the funeral director, funeral establishment, crematory, and private cemetery that you plan to do business with by calling the Cemetery and Funeral Bureau at (916) 574-7870 or the Consumer Information Center at 1-800-952-5210. NOTE: The state licenses and regulates fraternal and private cemeteries only. It has no jurisdiction over cemeteries operated by religious organizations, cities, counties, or cemetery districts; the military; Native American tribal organizations; or other groups. If you do not know who regulates the cemetery you are interested in ask the cemetery manager.
The Law Requires:

Funeral establishments to quote prices over the telephone.
Funeral establishments to provide you with a general price list (GPL) and a casket price list (CPL) when you inquire in person.
Self-Help Glossary - selfhelp
claim splitting: When you split up a civil claim and file 2 lawsuits to stay below the limit of how much money you can ask for. Not allowed in most cases.

clerk of court: A person chosen by the judges to help manage cases, keep court records, deal with financial matters, and give other administrative support.

codes: The law created by statutes. For example, the California Code of Civil Procedure, California Civil Code, California Vehicle Code, California Penal Code, and California Health and Safety Code.

codicil: A legal paper that adds to or changes a will.

Collaborative Law: A way to solve conflicts without going to court. Both sides have a lawyer, but they agree not to go to court unless it is impossible to settle the case.

commissioner: A person chosen by the court and given the power to hear and make decisions in certain kinds of legal matters.

commit: To do something. "To commit" a crime. To put someone in a sheriff’s custody. To use a court order to send a person to jail.

commitment order: A court order that says a person must be kept in custody, usually in a jail or mental institution.

common barratry (also called "barretry"): Making a habit of starting fights or lawsuits. Starting lawsuits without a good reason.

common law: Laws that come from court decisions and not from statutes ("codes") or constitutions.

community obligations: Community obligations are the debts that spouses or registered domestic partners OWE TOGETHER. In most cases that includes anything that you still owe on any debts either of you took on during the time you were living together as a married couple or as registered domestic partners. (If you bought furniture on credit while you were married or in a registered domestic partnership and living together, the unpaid balance is a part of your community obligations.)

community property: Community property is everything that a husband and wife or registered domestic partners OWN TOGETHER. In most cases that includes:
(1) Money or benefits like pensions and stock options that you now have which either of you earned during the time you were living together as a married couple or as registered domestic partners; and
(2) Anything either of you bought with money earned during that period.
Consumer Guide to Funeral and Cemetery Purchases - Cemetery and Funeral Bureau
Arrangements for payment of final services via trusts, insurance, commitments by others, or any other means have been made which precludes the payment of money by the survivors(s) who might otherwise have the right to control disposition
 	
Instead of giving written instructions, a person may give the right and duty of disposition to a PADD (if an active duty member of the U.S. Armed Forces) or to an agent under a power of attorney for health care or an advance health care directive. This agent will have the full right to act and control the decedent's disposition unless the power of attorney or an advance health care directive limits or removes that right or ceases upon death.
In the absence of written instructions, a PADD, an advance health care directive, or power of attorney for health care, the right and duty of disposition moves next to a surviving competent spouse or registered domestic partner. To be considered a registered domestic partner in California, a person must have filed a Declaration of Domestic Partnership with the Secretary of State under Family Law Code section 297.
In the absence of the above documents and people, the right and duty of disposition would fall to the surviving competent adult child or the majority of the surviving competent adult children, then the competent parent or parents, then the competent adult sibling or the majority of the surviving competent adult siblings, and then the competent adult or the majority of the surviving competent adults in the next degree of kinship, followed by conservator of person, conservator of estate, or public administrator.

In addition, the law governs issues such as the time in which family members must act, what happens if all members cannot be found or cannot agree on what to do, and who is responsible for the costs of disposition. Be sure to review and understand all the provisions of law when you are considering these choices. The applicable laws and regulations can be found on the Bureau's Web site at www.cfb.ca.gov.
(NOTE: Exceptions may apply in certain situations. You have the right to select a different person to make the decisions about your arrangements, if you wish. You may wish to consult with an attorney about including such instructions in your will or in another written document, such as a power of attorney for health care.
Leases & rentals | New York State Attorney General
Car rental tip sheet
Selling consumers additional insurance coverage, often unnecessarily duplicating coverage they already have, is the primary way car rental companies increase the cost of the rental. There are four different types of insurance and insurance-like coverages the companies try to sell to consumers at the rental counters -- Collision Damage Waiver (CDW), Supplemental Liability Protection (SLP), Personal Accident Insurance (PAI), and Personal Effects Coverage (PEC). Car rental companies are prohibited from refusing to rent you a car unless you purchase the additional insurance. The coverages are all optional. Combined, they can add up to $30 per day to the rental bill. Each coverage protects against a different risk, but your car, home, life, or health insurance policies, or your credit card, may provide all or part of the protection you need, particularly when combined with the minimum insurance the car rental company is required by law to provide as a part of every rental.
Collision damage waiver (CDW)
Also known as Loss Damage Waiver (LDW) or Physical Damage Waiver (PDW). For a fee of up to $9 per day for cars costing less than $20,000, up to $12 per day for cars between $20,000 and $35,000, and up to $15 for more expensive cars, the car rental company will waive all or part of its cost if the rental car is damaged or stolen, provided the car is not driven by an unauthorized driver, driven recklessly, or the coverage is voided for several other reasons. While this coverage may make sense for some renters, you should know that if you have a New York automobile insurance policy, you already have this coverage for a rental vehicle unless you declined to accept it when you purchased it. In addition, most premium credit cards, such as gold or platinum cards, provide this coverage, with certain limitations, as a benefit of using the credit card to rent cars. Some cards do not provide this benefit for luxury cars, SUVs, and vans. Before you pay a lot for CDW, it is worth a call to your insurance agent and credit card company to find out if you need to purchase it.
Supplemental liability protection (SLP)
Office of the Patient Advocate - State of California


Some people buy a plan on their own. Other people get health care through public programs. Each type of insurance plan or coverage program has rules that you must follow to get care.
 

​​

Coverage through a Job​​​

If you have health coverage through a job or union, you have group coverage. Your benefits and costs depend on your employer and the annual group plan they set up with the health insurance company. Often the employer pays part of the monthly premium for the health plan.
Some group plans are self-insured and have different rules and patient rights.
Who is eligible:

This depends on your employment status and your employer. Some employers cover just full-time employees. Some employers also cover spouses and dependents (including children up to age 26).

How to enroll:

You often have a limited time to enroll in a group plan after you first start your job or become eligible for the health benefits. Otherwise, you can only make changes to your or your family’s enrollment during the annual open enrollment period or after certain qualifying events (such as marriage or birth of a child). Your employer may have you submit a form to select your plan and tell them who in your household should be covered (if they offer coverage to family members).
If you leave your job, you may be able to stay enrolled in your employer’s group plan for a limited time through COBRA or Cal-COBRA if you pay the full premium.

For questions about eligibility or enrollment:

Contact your employer’s human resources office or personnel staff (or union).

For a complaint about your employer’s administration of health benefits:

Contact the U.S. Department of Labor’s Employee Benefits Security Administration.
This department oversees certain federal laws that apply to job-based health benefits, including to many self-insured plans.

For questions about using your health plan to get care:

Contact your health plan’s member services for assistance. Your health plan’s member handbook or website also has information about the plan’s rules and resources for getting care.

For a complaint about your health plan or the providers in its network:

Contact your health plan’s member services for assistance or to file a grievance.
Child support | California Courts | Self Help Guide
Child support | California Courts | Self Help Guide

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Child support
Child support is the amount of money that a court tells a parent to pay every month. This money is to help pay for the children’s living expenses. 

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Child support basics 
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Child support basics
By law, both parents must support their children 
Parents must share the financial responsibility for raising their children. Sometimes parents can agree on how to share this responsibility without going to court. If you and the other parent can’t agree, you can ask the court for a child support order.
Child support is the amount of money that a court tells a parent to pay every month. This money is to help pay for the children’s living expenses. Usually, child support is paid to the person primarily caring for the children.
Costs of Care | ACL Administration for Community Living
Costs of Care | ACL Administration for Community Living

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U.S.C. Title 5 - GOVERNMENT ORGANIZATION AND EMPLOYEES
(4) In any suit brought under the provisions of subsection (g)(1)(C) or (D) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of—
(A) actual damages sustained by the individual as a result of the refusal or failure, but in no case shall a person entitled to recovery receive less than the sum of $1,000; and
(B) the costs of the action together with reasonable attorney fees as determined by the court.

(5) An action to enforce any liability created under this section may be brought in the district court of the United States in the district in which the complainant resides, or has his principal place of business, or in which the agency records are situated, or in the District of Columbia, without regard to the amount in controversy, within two years from the date on which the cause of action arises, except that where an agency has materially and willfully misrepresented any information required under this section to be disclosed to an individual and the information so misrepresented is material to establishment of the liability of the agency to the individual under this section, the action may be brought at any time within two years after discovery by the individual of the misrepresentation. Nothing in this section shall be construed to authorize any civil action by reason of any injury sustained as the result of a disclosure of a record prior to September 27, 1975.
(h) Rights of Legal Guardians.—For the purposes of this section, the parent of any minor, or the legal guardian of any individual who has been declared to be incompetent due to physical or mental incapacity or age by a court of competent jurisdiction, may act on behalf of the individual.
Office of the Patient Advocate - State of California


Health plans cannot refuse to cover you or charge you more because you have a health problem or are pregnant.
Plans cannot charge you more because you are a woman.
Plans can only consider your age, geographic region, and family size when determining your monthly premium cost.
Children can stay on their parent’s or guardian’s health plan until age 26.
Plans must accept you if you apply during an open enrollment period or qualify for a special enrollment period. This is known as guaranteed issue.
Plans will deny you if you apply after open enrollment ends, unless you qualify for a special enrollment period after a qualifying life event (such as marriage, birth of a baby, loss of a plan through a job, and other changes).
During an enrollment period, plans are only allowed to deny you for a very limited number of reasons. These reasons include if you don’t live in the plan’s service area or if the plan doesn’t have enough doctors in its network to serve any new members.

Your right to benefits and services

You have the right to learn if a service is covered by your health plan and what it will cost you.
You can call your health plan to find out if a test or procedure is covered and if it requires pre-approval.
You can ask your health plan to help you clearly understand the services it covers.
You can ask your plan to explain your bills and make sure the charges are correct.
Most plans must cover a complete set of benefits, called essential health benefits. Essential health benefits include doctor and specialist visits​, chronic disease management, dental and vision care for children, emergency services, hospital care, lab services, maternity and newborn care, mental health and substance abuse services, many prescription drugs, rehabilitation services and equipment, and preventative and wellness services. If you have an older (“grandfathered”) plan, your plan might not cover all of these benefits.
Many health plans must offer no-cost preventive care, such as vaccines and cancer screening. You do not pay a co-pay, co-insurance, or deductible for these services.
If you go to the emergency room for a health emergency, the plan must pay for that care.