Funeral Insurance Ombudsman Australia

Group Personal Accident & Sickness Insurance
ACE Insurance in Australia is a member of the ACE Group of Companies®, Funeral Expenses Coma Benefit Rehabilitation Expenses Chauffeur Services 10PDSACEGPA01 ACE Group Personal Accident & Sickness Insurance Policy Wording & PDS 18 of 18 ... View Document

Loss of Income Protection – Group Insurance Income Protection Death or Capital Benefit Funeral Benefit intermediary, my employer or Insurance Ombudsman Service for the purpose of administering my claim or providing a report. ... Read Here

General Information Ezicover - XLife
Zurich Australia Limited. Important information you should know This PDS will help you to: • decide whether this product will meet your needs, and State Governments impose stamp duty on life insurance policies and these duties may vary from State to State (see the section ... View Document

Sample Travel insurance Policy Summary (PDF 276 KB)
Travel Insurance The information provided in this document does not If you are travelling to Australia and you require medical treatment you must enrol with a local The Financial Ombudsman Service. Referral to the ... Get Doc

1 - Australian Human Rights Commission
Australia is lucky to have so many services and supports for older people. For complaints about funeral insurance, contact the Financial Ombudsman Service on . For more information on how to complain to an industry ombudsman or other third party speak to the ACCC. Phone the ACCC ... View This Document

Inpatriate Medical Insurance - ACE Group
10PDSACEINP01 ACE Inpatriate Medical Insurance Policy Wording and PDS 2 of 18 ABOUT ACE ACE Insurance in Australia is a member of the ACE Group of Companies®, a global ... Doc Retrieval

Key Workers' Compensation Information, Australia 2013
The report should be attributed as Key Workers’ Compensation Information Australia, Self-insurance allows employers to manage their own workers’ compensation liabilities, funeral costs and weekly payments for dependants. ... View Document

Event Planning: How To Write A Welcome Letter
Planning an incentive trip or other meeting that will require writing a formal welcome letter for guests? Here's what to include. Sample welcome letter. About.com. Food; Health; Home; Money; Style; Tech; Travel; More Autos; Dating & Relationships; Education; Entertainment; en Español; ... Read Article

My Protection Plan - NobleOak Life Insurance Company
My Protection Plan - Product Disclosure Statement 2. Developing effective insurance strategies and providing independent product evaluation is an important part of ... Get Doc

Key Workers Compensation Information, Australia
Accident Compensation Act 1985 Accident Compensation (WorkCover Insurance) Act 1993 Western Australia Workers’ Compensation and Injury Management Act 1981 South Australia Funeral Other South Australia $437 401 ... Read Document

Boat Insurance
The external dispute resolution scheme administered by the Insurance Ombudsman Service Limited (IOS), by Insurance Manufacturers of Australia Pty Limited Boat Insurance provides cover for loss or damage to your boat ... Fetch Content

Latest OSTI Report Highlights Our Passion For Fair Claims ...
Lower premiums and awesome OUTbonuses are all very well, but paying your claim quickly and fairly is the most important thing we do. So we were really pleased when the Ombudsman for Short-Term Insurance (OSTI) showed that we not only beat the industry average for both the claims ... View Video

What Is Superannuation? - Epilepsy Action Australia
Superannuation & Insurance ClaimsSuperannuation & Insurance Claims • Palliative care, funeral, medical, transport and home or modification Superannuation & Insurance Claims yj • Ombudsman schemes (SCT & FOS) and courts. ... View Full Source

ABF Insurance Policy
This Certificate is Insurance Council of Australia’s General Insurance Code of Practice compliant, apart from any Where you are a retail client and your dispute is eligible for referral to the Financial Ombudsman Service (FOS), ... Doc Retrieval

FINANCIAL SERVICES GUIDE - National Seniors Insurance
What remuneration do we receive for our financial services? National Seniors Australia Limited and its related entity, National Seniors Insurance may receive a commission ... View This Document

MEDICARE & MEDICAID - Missouri
MEDICARE & MEDICAID √ have life insurance policies or prepaid burial plans with Poster Provided by the Missouri Long-Term Care Ombudsman Program MEDICARE To receive Skilled Nursing Medicare benefits in a long-term care facility, ... Return Document

Smart Term Insurance
2 About Smart Term Insurance HCF Smart Term Insurance is a term life insurance product that pays cash upon death or terminal illness. • Your benefit is doubled if death is caused by ... Access This Document

Australia Insurance Limited (Allianz) ABN 15 000 122 850, you may contact the Insurance Ombudsman Service Limited for advice via phone on1300 780 808. Funeral Arrangements – Messages to family – Hospital Guarantees. ... Access Document

Travel Insurance - AXA ART
ArtPLUS Travel Insurance Travel Insurance Policy Wording Policy Summary 2 Policy Wording 6 • Reasonable cost of funeral expenses abroad up to £5,000 plus the reasonable cost of conveying the ashes Ombudsman Service. Insurance Division, Financial Ombudsman Service, South Quay Plaza, ... Fetch This Document

Financial Life In A New Setting Leaflet English
How social and cultural practices influence the process of adjustment in Australia, with a focus on finances 2. how Afghan and Burmese life and funeral insurance A lot of people in the Financial life in a new setting research asked about credit; ... Read Document

Product Disclosure Statement - Combined Insurance
Combined Insurance operates in Australia as a division of ACE Insurance Limited. Accidental Death Funeral Benefi t .. 10 Payment of Benefi the Financial Ombudsman Service (“FOS”). ... Read Content

Insurance In Australia - Wikipedia, The Free Encyclopedia
With services such as disability insurance, income protection and even funeral insurance, Life insurance in Australia is sold through intermediaries (such as brokers) as well as direct to the consumer, ... Read Article

Funeral Insurance Over 60

Elderly People In Japan - Wikipedia, The Free Encyclopedia
People over 60 continue to work for varied reasons: to supplement inadequate pension incomes, to give meaning to their lives, or to keep in touch with society. As Japan's population ages, the financial health of the public pension plan deteriorates. ... Read Article

Priority Mail Express With Delivery Confirmation.
Insurance Department regulates funeral insurance. Funeral Arrangements • If you will be using a funeral home, prices must be given over the telephone. You must be given a General Price List \\Users\\Public\\Documents\\TXCR.wpd ... Access Content

Family Life Insurance - Family Life Insurance Cover - Real ...
Funeral Insurance. Funeral Insurance. Request a Quick Quote Now; Why choose Real Insurance. Apply over the phone in a single call with no medicals or blood tests, and get guaranteed renewal for life; Real Insurance YouTube Page ... View Video

Funeral Insurance
Cover for a 60 year old, the following weekly premiums will apply: $9.44 $12.45 How do my premiums work? Your premiums will be displayed you can take out Funeral Insurance over the phone or request more information online. Just call 1300 880 750 between 8am and 8pm ... Get Document

Essential California: Cleaning Up L.A.'s Homeless Encampments
Good morning. It is Monday, Nov. 16. Here's what is happening in the Golden State: Subscribe to the newsletter TOP STORIES Homeless cleanup Volunteers undertook a major cleanup of the Big Tujunga Wash, forcing out about 100 squatters in the process. It exposed tensions between residents and city ... Read News

A Regulatory Review Of Formal And Informal Funeral Insurance ...
A regulatory review of formal and informal funeral insurance markets in South Africa A market review and regulatory proposal prepared for Finmark Trust ... Retrieve Document

Focus Note: Funerals And Finance - The Financial Diaries
Funeral insurance. Rather than looking at each funeral plan on the market, 60 80 100 120 140 One aspect of funeral cover that this Focus Note has not explored is the risk of the institution offer- ... View Document

Older Americans And Preneed Funeral And Burial Arrangements
♦ Prepaid funeral funds are often invested by funeral homes in life insurance policies. This practice is more common nationwide (30%), in Illinois (28%), and in Alabama over half in California (60%) and in Alabama (56%). Investment of prepaid funeral funds occurs most often in Illinois ... Access Full Source

Subject Title - INSETA
INTRODUCTION TO FUNERAL INSURANCE COVER 7. Introduction to funeral insurance cover 8. some of the premiums paid over a period are paid back to the client, for example five premiums paid back after 60 premiums have been 5.3 VALIDITY OF THE FUNERAL INSURANCE POLICY . Over the past few ... Access Content

Funeral And Burial Planners Survey - AARP
2007 Funeral and Burial Planners Survey 2 Preplanning for a Funeral or Burial Slightly over one-third of respondents (34%) report that they have preplanned any ... Retrieve Here

Social Security Administration: Survivors Benefits
4. The importance of Social Security survivors insurance. The loss of the family wage earner can be devastating . both emotionally and financially. Social Security helps by ... Fetch Here

STAR RATINGS REPORT - Canstar
If you are 60 or over, funeral insurance may well work for you. Funeral insurance differs from saving up a lump sum to cover your funeral costs. Instead, it is an insurance policy where you pay monthly or fortnightly premiums for a fixed amount of cover to ... Document Viewer

Commercial Scripts For Radio And Television Ads
Commercial Scripts for Radio and Television Ads 2. FOREWORD for ad campaigns, voice-over demos, practice scripts, or for personal and developmen-tal use. 60. Honeymooners Travel Industry Item Description Gender Male or Female Length :30 ... Read Document

FUNERAL INSURANCE FOR GREAT AUSTRALIANS
Funeral insurance combined product disclosure statement and financial services guide issue date 20 june 2015 funeral insurance for great australians ... Doc Viewer

MBF Has Joined Bupa - Bupa
In November 2011 MBF health insurance is changing to Bupa, a trusted healthcare provider delivering benefits to over 3 million Australians. While MBF has been a trusted provider of health insurance, to Australians for over 60 years, MBF, as Bupa, will be part of a global family that cares for ... View Video

History Of insurance - Wikipedia, The Free Encyclopedia
History of insurance; as well as paying funeral expenses of members. Guilds in the Middle Ages served a similar purpose. The Jewish Talmud also deals with several aspects of insuring goods. Before insurance was established in the late 17th century, ... Read Article

Cancellation (insurance) - Wikipedia, The Free Encyclopedia
Unearned premium is the portion for an insurance written premium which is considered "unearned" by the insurer. It is the written premium less the earned premium. The unearned premium would be returned to the insured if the policy is canceled using pro rata cancellation method, ... Read Article

The Life Insurer Balance Sheets section looks at the financial performance of the life insurance industry over the last decade. hedging against the high inflation of the time.60 Premiums, fixed by the insurer, are deposited into the separate account. ... Read Full Source

CERTIFICATE OF INSURANCE - RBC Royal Bank
Certificate of Insurance, INSURANCE FOR TRAVELLERS AGE 60 & OVER. RBC Insurance Company of Canada P.O. Box 97, Station A Mississauga, Fly to Bedside or Funeral – Note: If you are required to interrupt your trip to attend a funeral, ... View Full Source

Life Insurance For Seniors Over 70Life Insurance For The ...
Life Insurance for Seniors Over 70. As you get older, life changes. If you are over the age of 70, then it pretty likely that your children have left the house. ... Read Article

Funeral Home | Philadelphia, PA
Celebrate the life of your loved one with funeral and cemetery services from our funeral home in Philadelphia, Pennsylvania. Call: Celebrating Over 60 Years of Service! INSURANCE ASSIGNMENTS ACCEPTED ... View Video

Life Insurance For Funeral Costs - MoneySuperMarket
So take care of any costs with a funeral life insurance policy available on the MoneySuperMarket website. The average cost of a funeral has increased by 80% over the past decade, Funeral insurance. ... Read Article

TRAVEL INSURANCE - QBE Insurance
On eligible QBE Travel Insurance products. QBE Insurance (Australia) Limited Effective 11 May 2009 • Family or Duo Policies are not available to travellers 60 years of age or over. Funeral Expenses Within Australia - Section 7C $10,000 Limit $5,000 Per Person ... Document Retrieval

BENEFITS AVAILABLE TO SENIOR CITIZENS IN SOUTH
BENEFITS AVAILABLE TO SENIOR CITIZENS IN SOUTH CAROLINA AGE 85 Exempt from the (automatically eligible if qualify for Social Security benefits). Part A – hospital insurance – free. Part B – other May retire from the S.C. State Retirement System at age 60 or after 28 years of ... Return Document

OverView Of The Australian Life Insurance And Wealth ...
Executive summary : Life Insurance • The Australian life insurance industry continues to grow and now amounts to $11bn of in-force premiums. ... Read Document

Funeral Insurance Schemes
Funeral Insurance Schemes Addendum to ACCA Position Statement during the sales process which generally takes place over the phone. Age restrictions usually apply (i.e if you take out a $6,000 funeral insurance policy when you’re 60, ... Fetch Here

Funeral Insurance Management Software

APPENDIX B 1999-2000 EMPLOYERS BY PROGRAM FROM WHICH STUDENT ...
Insurance Management Maxim HealthCare Services FUNERAL SERVICES EMPLOYER JOB TITLES National Cremation Society Area Vice President Stowers Intern Funeral Director Eagle Software Systems Inc. B13 APPENDIX B Continued * OFFICE SYSTEMS MANAGEMENT ... View Document

Eye Center
"></span></a><br /><span>4295 Cromwell Rd., Ste. 410 Southern Management WalMart Plaza Hwy 27 text-transform:capitalize;">Eyecare Specialists - Health Insurance Minnesota Blue Cross </span></a><br /><span>Crosby, MN Crosby Eye Clinic One Third Avenue NE (218) 546-5108 West ... Read Article

Human Resource Management, 12e (Dessler)
They include things like health and life insurance, pensions, time off with pay, and child-care assistance. Diff: 1 Page Orion is a business software firm based in Atlanta that employs over 400 people. Human Resource Management, 12e (Dessler) Subject: Chapter 13 Last modified by: Chapter 1 ... Read Content

Technology And The Small-Company Actuary
Actuarial Software (HAS), in time, I was working on funeral insurance policies. New Jersey had a new set of and a Fellow of the Life Management Institute (FLMI). His experience includes managing the underwriting, reinsurance, ... Read Here

96-259 Taxable Services - Comptroller.Texas.gov
Providers include sellers of software as a service and application service providers. Merely using a computer as a tool to help . actuarial analysis or research and insurance loss prevention. See Comptroller Rule . 3.355, Insurance Services, and Publication . 94-110, Insurance Services. ... Access Full Source

The Ohlson Group Micro-Marketing Overview Webinar - YouTube
Bill Corbin, creator of Unified Neighbors that has now morphed into Angie's List, walks you through his new micro-marketing platform. Here you will receive a guided tour on the benefits of this unique platform, as well as a walk-through of the online CRM (Client Relationship ... View Video

PnP Policies & Manuals Template - Pick N Pay Stores
Funeral insurance scheme; (x) Group personal accident; (xi) This may include information on safety management systems, general hygiene programmes, environmental impact assessments, Software Packages; (vii) Disaster Recovery; ... Retrieve Here

Estimating Industry Multiples - HBS People Space
We estimate the industry multiples M and the variance parameters, λ and σ. With our industry definitions, estimating an industry multiple leaves as few as five degrees of Computers Software/Services 7 11.2 37.26 16.4 30.28 1.6 119.64 EBIT ... Return Document

Insurance Fraud Handbook - Association Of Certified Fraud ...
Insurance Fraud Overview Insurance Fraud Handbook -3- Improper date of birth to obtain a cheaper premium on the new policy Improper home address to obtain a cheaper premium for home or automobile insurance ... View Doc

This Family Record Organizer Contains The Following ...
This Family Record Organizer contains the following information: Insurance Agent/Auto Name (Area Code) Phone Number Home/Marine/Umbrella Address ... Fetch Here

State of the Life Insurance Industry: Implications of Industry Trends by Anne Obersteadt and Larry Bruning, Brenda Cude Kris DeFrain, Brian Fechtel variable insurance, wealth management services, and additional distribution channels. ... Get Content Here

Service Corporation International - EMC
Service Corporation International (SCI) is the largest provider of funeral, Electronic document capture and management yields new efficiencies for trust administration and contract offers its customers the option of purchasing insurance policies to fund pre-need contracts. ... Read Content

Business Analyst Intern: Woodbury, MN
Assurant is a premier provider of specialized insurance products and related pre-funded funeral insurance; lender-placed homeowners insurance; application developers and business users on software projects designed to ... Access Content

Code Of Ethics - PMI | Project Management Institute
To the Project Management Professional (PMP®) or Certified Associate in Project Management (CAPM®) Code of Professional Conduct and continue to be held accountable to the PMI Code of Ethics and Professional Conduct. ethics for the project management profession. ... Read Content

"Recent Cases Involving Limited Liability Companies And ...
I. Limited Liability Partnerships 486 F.3d 342 (8 th Cir. 2007) and Camico Mutual Insurance Company v. Citizens Bank, 474 F.3d 989 (7 Cir AMP Management, LLC v. Scottsdale Insurance Company, No. 06-4079-SAC, 2007 WL 677633 (D. Kan. Feb ... Fetch Doc

Emerging Practices In Mobile Microinsurance - GSMA
Emerging practices in mobile microinsurance Introduction Microinsurance is insurance for people with Credit ChildFund children in the event that a software to monitor guardian passes away. Insurance funeral cover and airtime-based ... Retrieve Content

2005 Annual Report
Our extended service contract to anti-virus software also be a funeral director. Risk Management Assurant PreNeed generally writes whole life insurance policies with increasing death benefits and obtains funeral insurance policies, ... Access Content

MANAGING THREATS OF VIOLENCE IN THE WORKPLACE
MANAGING THREATS OF VIOLENCE IN THE WORKPLACE Take-and-Use Guidelines For Chubb Workplace Violence Expense Insurance Customers Prepared by Bruce T. Blythe ... Visit Document

Implementation Plan Template
Software and other technology to be reused or purchased, Reference the Configuration Management Plan.] 4 Implementation Requirements by Site Implementation Plan Template (v1.0) Page 17 of 19 [Insert appropriate disclaimer(s)] ... Fetch Content

University Of Cincinnati Controller's Office General Ledger ...
535123 Project Management Software Fee 535124 Other Contruction Costs Insurance 534500 Insurance 534501 Malpractice Insurance Account Number General Ledger Account Description General Ledger Account Number Supplies ... Get Document

House Cleaning: House Cleaning Price List By Item
House Cleaning Price List By Item GENERAL PRICE LIST A GUIDE FOR SELECTING FUNERALS A funeral is a meaningful event. • Insurance • House Cleaning & Supplies This item includes all necessary Whatever field you are into work at home is perfect match in the software ... Read Article

How To Negotiate Medical Bills - Frugal Living
Have lots of medical bills? Use these tips to negotiate a better deal. About.com. Food; Health; Home; Money; Style; Tech; Money Management; Food Savings; Household Savings; Do-It-Yourself; Bargain Shopping; Frugal Fun; If you don't have insurance or you're unemployed, say so. ... Read Article

IRS Codes - Oracle
Principal Business or Professional Activity Codes for Schedule C and C-EZ Administrative & Support and Waste Management & Remediation Services Agriculture, Forestry, Hunting, 524292 Third-party administration of insurance and pension funds ... Read Here

Funeral Insurance No Waiting Period

Important Information About Changing The Beneficiary On An ...
On An Insurance Policy Commonly Asked Questions A funeral home may be designated as a Primary Beneficiary. Naming a funeral home as the primary beneficiary means all proceeds will be paid to the funeral home Person or persons to receive any insurance proceeds if no ... Access Content

SADTU EXTENDED FAMILY BENEFIT PLAN
APPLICATION FOR MEMBERSHIP FOR THE SADTU EXTENDED FAMILY FUNERAL SCHEME MEMBER BENEFIT CHOICES CATEGORY OF COVER And Waiting Period PLAN A R15 000 PLAN B R10 000 PLAN hereby authorise the Accountant of the Department of Education to deduct the monthly funeral insurance premium ... Access Doc

MISSISSIPPI WORKERS' COMPENSATION FACTS
Workers' compensation benefits to its employees by purchasing workers' compensation insurance from an insurance There is no waiting period or to pay up to $2,000.00 in funeral expenses, ... Access This Document

Employee Benefits Packages - Questions To Ask
Some plans either don't cover pre-existing conditions or have a longer waiting period for coverage Employee Benefits Questions to Ask. Does the coverage? Is the premium deducted from my paycheck? How much is the deductible? Can I review a summary of the health insurance plan options ... Read Article

Insurance - Wikipedia, The Free Encyclopedia
Rehabilitation and sometimes lost wages and funeral expenses; Gap insurance until the home is rebuilt or a specified time period has elapsed. Surety bond insurance is a three-party insurance nor insurance brokers are insurance companies and no risks are transferred to ... Read Article

FUNERAL COVER APPLICATION FORM - Universal
Policy number: Type: Funeral Cover Funeral Cover Plus Universal staff A. POLICYHOLDER DETAILS Title: Surname: on an individual policy of funeral insurance, 6 months waiting period applies from the start date of cover for claims due to ... Fetch Doc

Health insurance That Puts You First
Health insurance that puts you first V a li d u n til 2014-1 5 Reg.No . 5 0 3 7 Health Insurance funeral expenses (applies to death (90 day waiting period applies) • Single and family cover options Medical Trauma ... Return Document

Workers' Compensation In Oklahoma Employee’s Rights ...
Workers ==== Compensation? There is no waiting period. and may receive funeral costs. How Can I Report An Employer That Does Not Have Workers ==== Compensation Insurance Or Who Requires Employees to Pay For ... Doc Retrieval

Case Study: Hollard Insurance And Pep
Funeral insurance as its existing infrastructure can be used to facilitate distribution and capture payment of insurance premiums. Hollard Waiting period and exclusions. Pep’s Family Funeral policies have a compulsory waiting ... Fetch Document

SCORPION
Is no waiting Period for the Additional Accidental specifically excluded for the Period of Insurance. where a waiting Period was still applicable prior to • This is a Funeral Insurance policy. For the complete ... Retrieve Here

Www.safrican.co.za
BOKAMOSO FUNERAL BENEFIT PLAN SAFRICAN INSURANCE COMPANY APPLICATION FORM APPLIED FOR BY: Principal Member's Surname : paid and no additional waiting period will be applicable. The balance of the waiting period that applied before premiums were ... View Document

APPLICATION FOR INDIVIDUAL AGENT LICENSE
888-754-7667 or at www.pearsonvue.com/tx/insurance for application information and examination reservations. (no fee) Funeral Prearrangement Life Surplus Lines Adjuster– Emergency TDI will issue such a license for a period of 90 days, ... Visit Document

Cancer Insurance: Do You Need Insurance Against Cancer
Before purchasing a cancer insurance plan, it is important that you understand what is covered in the policy. You should also compare the benefits to your current health insurance plan to see if there is any overlap in coverage. ... Read Article

Traditional Funeral Services Ad - YouTube
We have CASH NOW Financing "NO CREDIT CHECK" With Flexible Payment Plans We insure anyone regardless of Health "NO WAITING PERIOD" Insurance Effective Immediately We offer availability of cash from insurance proceeds "IMMEDIATELY" Instead of waiting for insurance policy settlements ... View Video

APPLICATION FORM TAURUS - Assure Risk Solutions Insurance
NestLife Group Funeral Plan Application Form PAYMENT METHOD provided that the offer for insurance made by the Policyholder by way of the proposal form is unconditionally accepted by NestLife and the first premium • 6 months waiting period for all new members ... Read Full Source

E X T E N D E D F A M I L Y D E P E N D A N T S
I hereby authorize Safrican Insurance Company Limited to commence a debit order withdrawal from my account on (add appropriate date of the month) EXTENDED FUNERAL BENEFIT the waiting period will again apply from the date of premium is resumed and received ... Fetch This Document

Workers' Compensation Benefits - Texas Department Of Insurance
Funeral expenses to the person who paid the funeral expenses. statutory MMI period, you may request an extension of Your employer’s workers’ compensation insurance carrier pays medical benefits directly to the ... Fetch Doc

You are eligible for a social security survivor benefit as long as you have been married for at least 9 months. Insurance; Before Retirement; After Retirement; Interpreting Economic and Financial News; Proof of death—either from a funeral home or death certificate; ... Read Article

Life Cover Benefit Schedule - Hollard
Person’s death during the Period of Insurance. • A Waiting Period of 24 (twenty-four) consecutive months and 24 (twenty-four) consecutive premium payments will apply Hollard Life Funeral Plan Author: Jayesh Madhav Created Date: ... Access This Document

Workers Compensation Benefit Overview - Travelers Insurance
No waiting period. Lifetime entitlement to spouse unless he/she remarries, with date of death after 4-9-03 $5,500 for funeral expenses. the provisions or coverages of any insurance policy or bond issued by Travel ers. It is not a ... Doc Viewer

Ezweni Funeral Plan Application Form - Ingwe Life
Ingwe Life Individual Funeral Plan Application Form Long-term Insurance Act), will be posted to me. In accordance with the Long-term Insurance Act, you have 30 (thirty) days, 6 months waiting period for all new members ... Return Doc