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Good News !

Boca retiree here. Finally some good news from the Great State of Florida.

Weiss Ratings, LLC out of plush & ritzy Palm Beach Gardens Florida has released its ratings of Mutual of America.

B Rating

https://weissratings.com/en/insurer/l88668

It rates 654 Life & Annuity Companies with 8 receiving an A Rating and 119 receiving a B rating so mutual is in the top third.

They are saying the following:

B     Good. This insurance company offers good financial security and has the resources to deal with a variety of adverse economic conditions. It comfortably exceeds the minimum levels for all of our rating criteria, and is likely to remain healthy for the near future. However, in the event of a severe recession or major financial crisis, we feel that this assessment should be reviewed to make sure that the firm is still maintaining adequate financial strength.

Major Rating Factors: Good quality investment portfolio (5.8 on a scale of 0 to 10) despite mixed results such as: no exposure to mortgages and large holdings of BBB rated bonds but small junk bond holdings. Fair overall results on stability tests (4.6) including excessive premium growth, weak results on operational trends, negative cash flow from operations for 2024 and fair risk adjusted capital in prior years. Weak profitability (1.7).
Other Rating Factors: Strong capitalization (7.1) based on excellent risk adjusted capital (severe loss scenario). Excellent Liquidity (7.0).

Safety Rating
Our financial strength ratings are based on a complex analysis of hundreds of factors that are synthesized into a series of indexes: capitalization, investment safety (Life & Annuity and Health companies only), reserve adequacy (Property & Casualty companies only), profitability, liquidity, and stability. These indexes are then used to arrive at a letter grade rating measured on a scale from A to F. A good rating requires consistency across all indexes. A weak score on any one index can result in a low rating, as insolvency can be caused by any one of a number of factors, such as inadequate capital, unpredictable claims experience, poor liquidity, speculative investments, inadequate reserving, or consistent operating losses.
The ratings are derived, from annual and quarterly financial data provided by SNL Financial LC, the National Association of Insurance Commissioners and State Insurance Regulators. This data may be supplemented by information that we request from the insurance companies themselves. Although we seek to maintain an open line of communication with the companies being rated, we do not grant them the right to influence the ratings or stop their publication. (See Rating Definitions)

F-ck the Comdex ratings

#GoodNews #Insurance #Rating #Finance

EOY BNY Toxicity score card rating.

It is that time of year to do an honest and open assessment as to the ratings on BNY’s level of toxicity on a personal experience.

There are 15 fair and honest evaluation questions. Answer each one with a level of:

0- non toxic
1- lower to somewhat toxic
2- typically and often toxic
3- profoundly and reliably toxic

Total the values and come up with your score.

Here are the test questions:

1.) Abusive leadership and management

2.) Peer to peer bullying and gossip

3.) Generally unpleasant and unattractive workplace. Monotonous with dull lighting and unclean facilities

4.) Any kind of harrassment or childish rulings

5.) Reinforced stereotypes and discrimination. May include pictures, photos and phrases indicating unreal, acted or imaginary scenes to support a false narrative

6.) Ongoing Feelings of fright or job insecurity with ‘Monday morning dread’ syndrome

7.) Culture of disrespect and humiliation

8.) Lack of resource support and safety

9.) Hostile or hazing interpersonal relations

10.) Neglect, ignored input. Feelings of exclusion and isolation

11.) Unhealthy boundaries. Worktime occupies home life time. Even in thoughts.

12.) Aggressive and unsafe boundaries. Manipulative behavior.

13.) Public scoldings and private apologies by a manager. Any embarrassing unprofessional tactics used purposely for control

14.) Workplace violence

15.) Open lying or dishonesty and fear of retribution if reported on. No support from
HR or employee relations.

End score results:
0-13 non toxic benign workplace
14-21 low toxic and manageable workplace.
22-29 moderate toxicity with minor injury
30-35 Highly toxic with direct personal injury
36-45 Profoundly toxic with lasting personal damage

#Rating #RatingSystem #Environment #EmployeeHappiness

Rating process

How is the "new & improved" rating process going for my fellow managers? Nothing like robbing Peter to pay Paul. How is this not a process filled with managers playing favorites? It is the most subjective process ever, and the end result will be a demotivated team after finding out their coworkers got a portion of their raise.

#Rating #RatingSystem #Management #Question #Favoritism

What does an IP rating mean?

Got an IP after a great performance year because I worked from home some Fridays last year. Manager never thought it was an issue and never said anything to me until I got a warning in late summer, then the IP rating overrode the EP she entered for me at year end. She was totally blindsided by the warning and the rating. Aside from RTO being a complete joke of a policy to begin with, nevermind that they kept managers in the dark about enforcement, what does this IP rating mean for my income?

I assume no bonus, no raise, no new shares? Will my current vested shares still pay out next March?

Talked to HR and Emp Relations and they just protect Abby's billions, neither could answer my simple questions, so need to ask here.

#HR #IP #Rating #Performance #Question

Is this ethical?

In a conversation with a colleague in September she was talking about performance reviews for January 2026. This person is not a manager. We were talking about the forced distribution of poor performance reviews. She relayed to me that mine would be Inconsistently Meets. My review is due in January 2026

1. Should a manager be discussing ratings with my co-workers. #2. Is it customary for managers to pre-rate an employee before end of year and without discussing an improvement plan or some kind of warning to the employee?

Seems odd that that year I turned 65 my performance rating went down from my past 21 years of employment. My work ethic has not changed. I have added to my skill set. I’ve taken on more responsibility.

#Ethics #PerformanceReview #Ageism #HRPolicy #Rating

End-of-Year Self-Evaluations

How do employees counter when Management tries to gives us a “needs improvement” rating (rather than a “Meets”) on our year-end review when we were moved into a new role? Of course there is going to be a learning curve, but I feel like we are being unfairly rated because we never asked to be moved into this new role…was voluntold.

I feel like Management will try and use this as a reason to justify a lower rating and/or as justification for eventually laying us off. What can we write in our end of year self-eval to give us some worth or value.

BTW, their justification in the past is that even though your daily responsibilities are totally different and new skill sets, it still falls under the same job title description. Total BS in my opinion.

#PerformanceReview #Rating #Layoff #Risk

Good To Know

Disconnected phone calls leave billions of dollars on the hook for Humana
Health insurance company challenges complex US star ratings system in court

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https://www.ft.com/content/926c6431-c67e-43ae-9ea9-330872d85f7f

Humana sued the government over its rating in October 2024. CMS included foreign-language assistance for customer callers in its stars metrics. To receive five stars on the call centre metric, CMS required a 100 per cent success rate for foreign language calls. Three Humana test calls involving a third-party connecting an interpreter did not work, hurting Humana’s overall star rating.

https://www.ft.com/content/926c6431-c67e-43ae-9ea9-330872d85f7f

#HealthInsurance #Compliance #CustomerService #Rating #Legal