Newsgroups: alt.chinese.text,soc.culture.china,talk.politics.china
From: derekhu%athena.usc.edu@usc.edu (Derek Hu)
Subject: Journal of Consultation Service, 9404d
Message-ID: <9404291947.AA19631@athena.usc.edu>
Sender: daemon@usenet.ucs.indiana.edu (Usenet Server Daemon)
Organization: Indiana University
Date: Fri, 29 Apr 1994 19:50:49 GMT
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  ||                                                                     ||
  ||        ---------  Journal of Consultation Service  ---------        ||
  ||                April 28, 1994  Issue 9404d  No. 011                 ||
  ||                                                                     ||
  ||                     A Community Service Bulletin By                 ||
  ||                IFCSS Consultation Service Committee (CSC)           ||
  ||                                                                     ||
  +=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+==+=+=+=+=
     Journal of  Consultation Service   is  a  publication  of  the  IFCSS 
Consultation Service Committee (CSC). It collects questions from readers and
responses from other readers and members of IFCSS/CSC, and is published 
every week. 
     If you have questions or want to share your experiences regarding 
tax/law/visa/insurances/personal_finance/social_life, please contact IFCSS/CSC 
<consult@ifcss.org>.
     All advices/answers given by IFCSS/CSC or in this Journal are for your 
reference only and IFCSS/CSC assumes no legal/financial liability.

Note: IFCSS = The Independent Federation of Chinese Students and Scholars in
      the United States of America.
+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=

Table of Contents:
============================================================================
1. Questions and Responses 
   ^^^^^^^^^^^^^^^^^^^^^
	[Question #1] PR Residence Question
	[Question #2] Job Search
	[Question #3] Medical Insurance
	[Question #4] Working Visa--Urgent!
----------------------------------------------------------------------------
2. Questions Seeking Advice
   ^^^^^^^^^^^^^^^^^^^^^^^^
	[Question #1] CSPA Card Is Late
	[Question #2] PR Residence Status
	[Question #3] Two Years Rule
	[Question #4] DOL Pilot Program.
	[Question #5] Loan Deduction on Tax Returns
	[Question #6] Visit China with Practice Training Status?
----------------------------------------------------------------------------
3. Feature Article/Short Contribution
   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^
	How to Protect Yourself from Sexual Harassment
----------------------------------------------------------------------------
4. Information Exchange
   ^^^^^^^^^^^^^^^^^^^^
	IFCSS Health Insurance Program
============================================================================

----------------------------------------------------------------------------
1. Questions and Responses (4 items)
----------------------------------------------------------------------------

[Question #1] PR Residence Question

My husband came here with a K-1 visa (fiance; intending to marry
a US citizen or PR), then we got married and he got his approval
for "conditional" permanent residence last November.

Now his father is ill, and there really isn't anyone who can take
care of him. So my husband is thinking of going back to China to
take care of him. Will he lose his PR status if he stays too
long? If so, what is the time limit? If this should happen, will
I have to start all over again to get him a new visa to come back?
				(Diane DeMers Chen)

[Responses]

The reply is just for your reference since the detail about your
husband's immigration status has not been specifically stated in your question.
First of all, you should be aware of the contents of "conditional" approval.
Usually when PR leaving the US for overseas, he or she must not be staying
outside US more than six months in one year. As you know that your
husband can apply for citizenship after 5 years since the date of PR 
approval. If he leaves for overseas over  six months , the period will
probably be excluded  from counting when applying for citizenship, which
means  the application date for citizenship will be put off for six
months.

I suggest you go to an immigration law office in your area, usually the
first  time consultation is free of charge. I also hope you will get more
help from our consultants later.

- Brian Su
				___________

[Question #2] Job Search

I am studying in Finance and International Business at University of 
Washington, and I will graduate in August, 1994.  In terms of job 
consideration, I would like to find a job which would lead me to entry the 
Import-Export business area.  Would you tell me how to start the job 
research? and any recommendation?   I am really appreciated.

					(Sophia Ding)

[Response]

Hi, Sophia

Start your job search early, take an aggressive approach, look for every
opportunity to put your abilities on display. And take the time to
follow up - it's important. Your first step is to set  your short-term
objectives - getting a job - and  your career goal. There are a wide
variety of job search resources:

1) Career Planning Service
   Visit career placement office on campus, you will get helpful
   information ;
2) Job Fairs
   Attend job fairs which are offered by college, professional
   societies, recruiting firms, and other groups.
3) Job Listings
   Newspaper, trade & professional magazines and other periodicals offer
   job listings, such as the Wall Street Journal, Chinese Daily News,etc.  
4) Third-party Agencies
   If you decide to consult with employment agencies, look around. The
   fee should always be paid by the employer, and the agency should openly
   conduct its business on your behalf according to applicable state laws
   and professional guidelines;
5) Job-search Letters and Resume
   Your letters and resume say something important about you as a
   professional and as a prospective employee. Prepare your letters and
   resume professionally;
6) "Job Choices in Business 1994" 37th Edition
   $16.75, Code 219402
   College Placement Council, Inc.
   62 Highland Ave, Bethlehem, PA 18017
   Tel: 1-800-544-5272
   The  booklet provides several hundred  prospective employer listings in
   business and finance industries as well as other important information.

- Brian Su (signed)
				___________

[Question #3] Medical Insurance

I am a postdoc at UC Berkeley. I would like to have information on
IFCSS medical insurance policy regarding UCB compus for both me and 
my family coverage.
					(Luke Liang)

[Responses]

[1]
Please call IFCSS HQ at (202)347-0017 or 1-800-394-2500 for the application
form to participate the IFCSS insurance program. Thanks for your 
consideration for IFCSS insurance program.

- Zhendong Liu

[2]
Attached is the information you need. 

- Zhi Xu
	[see Section 4, Information Exchange for details -  Editor]
				___________

[Question #4] Working Visa--Urgent!

I am a new comer, a MBA student at xxxx U. Florida, with another year to go 
before I can get the degree. Due to financial problem, I want to switch from 
F-1 to H-1 so I can earn the tuition for my study.

Now, a big import company in Miami will offer me a job as import assistant 
will sponsor me to apply for the H-1. But they need me urgently, I am afraid 
that if I pay the lawyer to go through the procedure($750 first and another 
$750 later when I succeed.),and the company finds another applicant to replace 
me, I will lose the chance and money.

Could you tell me how fast I can get the working permit? And what I 
should do not to lose the chance? I will appreciate it if you could give me 
a prompt reply.
						(A Reader)

[Response]

The quickest way that you can work legally is to get work permit with
your F-1 status.  It takes long time to change from F-1 to H-1. I would
suggest that you get work permit first from INS, and then try to change
your status when you get the job. This can win you some time, at least.

- Shuai Ding

----------------------------------------------------------------------------
2. Questions Seeking Advicei (6 items)
----------------------------------------------------------------------------
[Question #1] CSPA Card Is Late

I am writing in response to a question being raised by a CPSA applicant 
regarding his and his wife's CSPA status, since they haven't heard anything
from INS yet.  I have applied CSPA on July 1, 93, and received the letter 
of notification (acceptance of the application) in Sept., 93.  The letter 
advises me to wait for 6 months for getting the real card.  After 6 months 
of patient wait while seeing all other friends of mine have got theirs, 
I tried to call the INS southern office, but never be able to talk to an 
officer.  The automatic answering machine always ask you to " wait while 
we transfer your call" (I pay the long distance call at prime rate, of 
course). After a month of frustration I finally decided to go to  the INS 
in my town (Atlanta, Georgia) to get a stamp on my passport, since I will 
go to China in the summer. The local INS checked my status, and said that 
the computer shows that INS sent a letter to me on Oct. 93 asking me to 
issue two new photos since the previous two I gave them are not accepted. 
I have not received this letter and my address has never been changed 
since my CSPA application.  Of course I made two new photos and handed 
them to my local INS, but I will have to wait for another 4-6 months.

So if you have not heard anything from INS since you had received the 
acceptance letter (gray paper), maybe you should check you LOCAL INS 
instead of the four regional centers (good luck if you can catch any 
real person to talk to you!).  Maybe something is wrong with your 
application (even if it has been approved, like in my case).

Best Wishes to all frustrated people.
					(Name removed by request)
				___________

[Question #2] PR Residence Status

My husband came here with a K-1 visa (fiance; intending to marry a US citizen 
or PR), then we got married and he got his approval for "conditional" 
permanent residence last November.

Now his father is ill, and there really isn't anyone who can take care of him. 
So my husband is thinking of going back to China to take care of him. Will he 
lose his PR status if he stays too long? If so, what is the time limit? If 
this should happen, will I have to start all over again to get him a new visa 
to come back here?
					(chendd@UG.EDS.COM) 
				___________

[Question #3] Two Years Rule

I'm a J-1 scholar who came to the US last year. My visa is subject
to the "two year" rule. I have applied an admission to another 
university. My question is: if I am admitted, can I still stay in
the US after I finish my current study this coming May?

					(A reader)
				___________

[Question #4] DOL Pilot Program.

Late year, CND-US issued a news saying Department of Labour announced
a one year LMI pilot program, which grants a waiver of labor certificate
(LC) to alien workers applying for immigration, on some professional areas.
The program was published by DOL on Mar 19, 1993. One year passed, is the
program still effective? Or, is a new one reissued? 

			Ji LI, a dedicated reader of your Service.
				___________

[Question #5] Loan Deduction on Tax Returns

After getting PR last year, I purchased a house on loan.  When I file the
dual-status tax return, I don't find the place in the Schedule A of
1040NR where I can report the real estate taxes and home mortgage 
interest, while I can do so at Items 6 & 9a on Schedule A of 
Form 1040.  Could you tell me how to handle the discrepancy between the two
schedule A's?  Thanks.

					(TAN@CWU.EDU) 
				___________

[Question #6] Visit China with Practice Training Status?

Appreciate your excellent job on the consultation service.  I do have a 
question that I can not get a sure answer else where.

I am going to get my Ph.D next month ( May 14, 1994) and got a job in NYC.  I 
am using practical training status (I am F-1 now) to accept the job after my 
graduation.  Before reporting to the company, I decide to go back China for a 
three-week visit since I have left home for almost four years.  My question is 
whether I have risk to get reentry visa in China since I have finished my 
studies in America.

					(Jianxin)

----------------------------------------------------------------------------
3. Feature Article (1 item)
----------------------------------------------------------------------------

            How to Protect Yourself from Sexual Harassment
	    ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^

			By Brian Su, CSC Consultant


Sexual harassment can be seen on campus or at workplace. Such unwelcome
sexual-oriented verbal or physical approach creates a hostile or
offensive environment for members of one sex is every bit the arbitrary
barrier to sexual equality at the workplace. Sexual harassment is
prohibited by federal and state law.  Chinese students should be aware of 
avoiding such incidents and protecting themselves. 

*  Speak up at the time. Be sure to say "No!" firmly and clearly, without 
   smiling. For instance, say "I'm not comfortable with what you are
   doing."  DON'T ignore the situation or delay, as the harassment is
   likely to continue.
*  Keep records. Keep a journal as events occur. Be specific, such as
   the time, place, what happened and how you responded.
*  Tell someone. Tell another staff member, counselor, student or faculty  
   about  what is happening to you. Find out if others have been
   harassed by the same person and if they will support you if you 
   take action. DON'T remain silent and isolated, since this usually 
   protects the harasser.
*  When asking others if they have been similarly harassed, it is
   also important to enlist the aid of coworkers in observing the
   harasser more closely.  Ask them to pay attention when you and
   the harasser are "alone" together.
*  Write a letter to the harasser. Be specific, low key, and polite.
   Part I should be a factual account -- with no judgement or evaluation--
   of what occurred; Part II should describe your feeling about the
   incidents described in Part I; Part III expresses what you what to
   happen next -- the behavior to stop. Deliver the letter to the
   harasser in person or by certified mail. DON'T send a copy to anyone
   official at this time. Keep a copy. If the harasser's behavior does not
   change, you can then use the letter in an official complaint.
*  Talk with the Affirmative Action Officer. The AAO will help you in
   getting the unwelcome behavior to stop.
*  Don't blame yourself. Harassers are responsible for their own behavior.


----------------------------------------------------------------------------
4. Information Exchange: 
	IFCSS Health Insurance Program
----------------------------------------------------------------------------
[We are frequently asked by readers about the medical insurance plan.  In
this issue, we reprint the IFCSS 1994 Medical Insurance Program.  If you
need further details, contact the phone numbers listed below.  -Ed.]

IFCSS Headquarters News Release No.   5088        Dec 16, 1993
**************************************************************
Independent Federation of Chinese Students and Scholars (IFCSS)
   733 15th Street, N.W., Suite 440, Washington, D.C.20005
         Tel. (202)347-0017  Fax: (202)347-0018
                Email: ifcss@wam.umd.edu


          Updating IFCSS Medical Insurance Program
          ========================================

At this time of family, love and care, please accept our warmest
holiday greetings to you and your family. We would like to take
this opportunity to proudly recommend to you the renewed IFCSS
Medical Insurance Program (1994), which is currently held by over
4,500 members in our community.

The IFCSS Medical Insurance Program is the most affordable
program with the kind of coverage designed to meet the special
need of students and scholars from China, Taiwan and Hong Kong.

Compared to the last year's version, the renewed program has NOT
INCREASED its premium cost. Instead, several new benefits and
broadened coverage are added to it. Now the new version will also
cover medical cost incurred while you are in your home country
(China, Taiwan or Hong Kong). 1-800 hotlines will be established
to assist you in looking for doctors and for processing your
claims. The program will also cover the cost for traditional
Chinese medicines prescribed by registered Chinese medicine
practitioners.

By joining the IFCSS Medical Insurance Program, you are double
insured. For you have an strong organization to assist you to
settle disputes and to speed up your claim. Over the last four
years, we have never allowed a single complaint to stand. Our
record is 100% satisfaction over dispute settlement.

By participating in the program, you will also help IFCSS with
its financial future, and help your local CSS organization with
needed activity funds. We need your support!!

Attached is the entire brochure of the insurance program. After
comparing both its cost and benefit features with other similar
plans, you will see it is the best deal in the market. Please
read the brochure carefully, and print out the Enrollment Form in
it. To apply for the program, you need to fill out the Enrollment
Form and send it (with check or credit card authorization) to:
IGS, 10530 Rosehaven Street, Suite 350, Fairfax, VA 22030.

If you need a brochure by mail, please call IGS at 1-800-394-2500
or IFCSS at (202)347-0017 or fax (202)347-0018. If you have questions
regarding the policy, please call IGS at 1(800)394-2500. We also
encourage you to save this message for your own reference and for
your friends or relatives who may not have access to it.
Thank you very much.

     *         *         *         *         *         *

          IFCSS Medical Insurance Program (1994)

                    Underwritten by:

                    PanAmerican Life
               People you can trust for life
                 (Rated "A" by A. M. Best)

                    Administered by:

               International Group Services
               10530 Rosehaven Street, Suite 350
               Fairfax, Virginia  22030
               800-394-2500




          The Policy Holder of the Plan is
          The Independent Federation of Chinese Students
          and Scholars
          733 15th Street, N. W.
          Washington, D. C.  20005


This brochure is only a brief summary of the Insured Person's
coverage provided by the Master Policy.  A complete description
will be contained in the Certificate of Insurance which will be
provided to each Insured Person.  Any discrepancies between this
brief summary and the Master Policy will be governed by the
Master Policy.  This Master Policy is issued to International
Federation of Chinese Students and Scholars.

This policy is subject to filing approval with the District of
Columbia Insurance Department and is subject to the laws of the
District of Columbia and various states which assert
extraterritorial jurisdiction.  The insurance described herein is
subject to change at the direction of any and all applicable
State Insurance Departments.

This coverage is Title IX compliant; i.e. it provides coverage
for maternity as any other temporary disability when conception
occurs within the Period of Insurance.

                    Eligibility of Coverage

All Chinese Students, Scholars and their accompanying eligible
dependents from mainland China, Taiwan and Hong Kong;

who are associated with IFCSS; who have valid F-1 or J-1 visa
status or who have applied for or have been granted Permanent
Residence Status; who are temporarily residing outside their Home
Country; who are actively engaged in education or educational
research activities in the United States.

Actively engaged with respect to a student or scholar means a
person who is enrolled and attending classes in a college,
University or community college for six or more credit hours;
this requirement applies to F-1, J-1, F-2, and J-2 visa status
and Permanent Residents.  Graduate students holding J-1 or F-1
visas or Permanent Residents may have 3 or more credit hours.
Practical training students are eligible.


                    Period of Insurance:

A.   Effective Date of Insurance.  Provided the required premium
is paid, your insurance will become effective on the later of:

     o    the Policy Effective Date.
     o    12:01 a. m. Standard Time on the date you indicated
          on the Enrollment Form; or
     o    12:01 a. m. Standard Time on the date the Enrollment
          Form and premium are received by The Administrator.

NOTE:  In no event may a person be insured for a period of more
than 12 months under The Plan.  The Plan renews annually on the
first of each year.

B.   Termination of Insurance.  Your Insurance will terminate on
        the earliest of:

     o    12:01 a. m. Standard Time on the last day for which
          your premium has been paid, subject to the Grace
          Period;
     o    12:01 a. m. Standard Time on the date you cease to be
          eligible for this insurance;
     o    12:01 a. m. Standard Time on the date you depart the U.
          S. A. for your Home Country;
     o    12:01 a. m. Standard Time on the date The Plan is
          canceled.


               Medical Treatment Benefit

This benefit will pay for the Medically Necessary Eligible
Expenses incurred for the treatment of a Covered Injury or
Covered Sickness which first occurs after you become insured.
This benefit covers up to $200,000 of the Eligible Expenses
incurred for each Covered Injury or Covered Sickness
according to the table below.

You must pay any deductible or amount not eligible for benefits
under The Plan.

Per Covered Injury or Covered Sickness, the following is the
portion of the Eligible Expense incurred in excess of the
deductible amount and the coinsurance percentage payable, subject
to the Excess Coverage Provision:

Eligible Expense         This Benefit Pays    Covered Person
Incurred                                         Pays
================================================================

The Deductible            None                All expenses
Amount ($50.00)

$50.01 but less than      100% of Eligible    Any expense
$5,000.00; then           Expense Incurred    not covered
                                              by The Plan

$5,000.01 but less than   80% of Eligible     20%of Eligible
$50,000; then             Expense Incurred    Expense Incurred
and any expense not
covered by The Plan

$50,000.01 but less than  100% of Eligible    Any expense not
$200,000.00,then          Expense Incurred    covered by The Plan

$200,000.00 or more           None            All expenses


In addition, Eligible Expenses Incurred for a Covered Injury or
Covered Sickness are subject to the following limits:


Therapeutic Termination of Pregnancy    $500.00 Maximum Benefit

In Hospital Room and Board              Prevailing Semi-Private
                                        Room Rate

Newborn First 31 days/                  $500.00 Maximum
Routine Nursery Care                    Benefit

Accidental Dental Expenses              $1,000.00 Maximum Benefit
(Covered Injury Only)                   Limited to $100.00 per
                                        tooth

Emotional and Mental Disorders
Inpatient Limit                         50% of Eligible Expenses
                                        30 day Maximum Benefit

Outpatient Limit                        $500.00 Maximum Benefit
                                        per lifetime

Outpatient Prescription Drugs           50% of Actual Charge

Outpatient Back and Spine               $1000.00 per Year Maximum
Disorders (including modalities)        $35.00 per visit
                                      (Maximum 3 visits per week)

Home Country Benefit                    $1000 Maximum
Benefit/30-Day Limit

                    Medical Evacuation Benefit

                    Maximum Benefit:  $200.00

If you become unable to continue your academic program because of
a Covered Injury or Covered Sickness, the insurance will pay the
necessary expenses to the Maximum Benefit for your evacuation to
your Home Country; or to a facility for the treatment of injured
or ill persons in your Home Country; or to another medical
facility in the U. S. A.  A medical evacuation would be
considered only if Medically Necessary and after being
hospitalized for at least five consecutive days.
Any expenses in respect of medical evacuation require prior
approval of both the attending physician and The Administrator.

                    Repatriation Benefit

                    Maximum Benefit:  $200,000

If you should die from a Covered Injury or Covered Sickness, the
insurance will pay to the Maximum Benefit necessary expenses for
the preparation and transportation of your body to your Home
Country.  All expenses must be approved by The Administrator
before the body is prepared for transportation.


All benefits afforded are payable up to the first to occur of:

     a.)  the Maximum Benefit payable;
     b.)  52 weeks from the onset of or the date of Covered
          Injury or Covered Sickness; or
     c.)  the date of Covered Person's Insurance termination.
          However, if he or she is Hospital Confined on such
date, benefits are payable up to the first to occur:

          1.)  26 weeks from the date of termination; or
          2.)  the date he or she is no longer Hospital Confined.

Benefits will continued to be paid under any Subsequent Group
Insurance Plan issued to The Independent Federation of Chinese
Students and Scholars and administered by IGS for a Covered
Injury or a Covered Sickness if all of the following conditions
are met:

     a.)  the Maximum Benefit payable* under The Plan has not
          been exhausted;
     b.)  52 weeks has elapsed from the onset of or the date of
          Covered Injury or Covered Sickness;
     c.)  the Covered Person is Continuously Covered from The
          Plan to any Subsequent Group Insurance Plan issued to
the Independent Federation of Chinese Students and
Scholars and administered by IGS; or
     d.)  the Covered Person's Insurance has not been terminated.

*The Maximum Benefit payable for the Medical Treatment Benefit
described above is $200,000, subject to the deductible and
coinsurance amounts.


                         DEFINITIONS

(The following are some important definitions.  Refer to the
Certificate of Insurance and your Conditions of Insurance for a
complete list of terms.)

Covered Injury means bodily injury of a Covered Person which
results directly and independently of all other causes from an
accident which occurs while he or she is covered under The Plan.
A Covered Person must begin receiving services, supplies or
treatment within 72 hours from the time of the accident in order
for it to be considered a Covered Injury.

Covered Sickness means sickness or disease of Covered Person
which first Manifests itself while he or she is covered under The
Plan.

                         Important Information
                         Preferred Provider Organization
                         (PPO)

The Policy offers the use of a Preferred Provider Organization
(PPO).  PPO's are arrangements with hospitals, Physicians, and
other providers to furnish You medical care at negotiated costs.
Insured Persons will receive a toll-free telephone number to
access the PPO Network for medical providers in their area.  The
PPO is staffed with Chinese speaking representatives.  The
availability of the PPO does not restrict the choice of
Providers. Insured Persons may seek medical care from any
hospital, Physician or other provider desired, however, you are
urged to obtain care from Preferred Providers whenever possible
as this will offset medical inflation and control premium
increases.

                    Right of Subrogation

The Underwriters shall be fully and completely subrogated to your
rights against parties who may be liable to provide indemnity or
make a contribution in respect to any matter which is the subject
of a claim under The Plan.

                    EXCLUSIONS

1.)  The Plan will not cover medical Expenses incurred unless for
     a Covered Sickness or a Covered Injury (see definitions).

2.)  The Plan will not cover medical expenses resulting from a
     motor vehicle accident if the Covered Person is not properly
     licensed to operate the motor vehicle within the
jurisdiction in which the accident takes place.

3.)  The Plan will not cover:
     a.)  Any claim arising from a routine physical or other
          examination where there is not objective indication or
          impairment of normal health;
     b.)  Any claim for dental treatment except when as the
          direct result of a Covered Injury;
     c.)  Any claim with respect to the treatment of Congenital
          Conditions or the costs of cosmetic surgery except when
          necessitated by a Covered Injury.  Any claim with
          respect to the treatment of Deviated Nasal Septum
          including Submucous Resection and/or other surgical
          corrections unless caused by a covered accident;
     d.)  Any claim arising from intentionally self-inflicted
          Covered Injury, suicide or attempted suicide, the
          influence of alcohol or intoxicants, or the use of
          drugs except as prescribed by a licensed Physician;
     e.)  Any claim arising from war, declared or undeclared, or
          any act of war, or loss while in the military, naval or
          air service of any country or international authority;
     f.)  Any claim arising from riding in any aircraft other
          than as a passenger in an aircraft licensed for the
          transportation of passengers;
     g.)  Any claim with respect to examinations for, or
          prescriptions of eyeglasses or hearing aids except as a
          result of a Covered Injury;
     h.)  Any claim arising from participation in club,
          interscholastic, intercollegiate or professional
          sports;
     i.)  Expenses incurred as a diagnostic investigation or
          medical treatment in connection with infertility,
          fertility or birth control;
     j.)  Any expense in excess of the prevailing semi-private
          room rate unless Medically Necessary;
     k.)  Any claim for treatment, services, supplies or
          facilities in a Hospital owned or operated by a
          national government or any of its agencies.  (This
          exclusion does not apply to treatment when a charge is
          made which the Covered Person is required by law to
          pay.)

4.)  The Plan will not cover any medical treatment received in
     the Home Country of the Covered Person.

5.)  The Plan will not pay any Expenses incurred for a Covered
     Injury or Covered Sickness covered under any occupational
     benefit plan, other insurance or public assistance program.

                         Premium Rates

These rates are valid for coverage which has an effective date on
or after January 1, 1994 and until December 31, 1994.  For rates
effective after these dates, please call The Administrator.

Premium must be paid either annually or semi-annually.  Only if
dependent


                         Refund of Premium

Premiums received by The Administrator will be considered fully
earned and non-refundable.  Refund of premium will be considered
only if you cease to be eligible for the insurance on a pro rata
basis.


$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$


                IFCSS MEDICAL INSURANCE ENROLLMENT FORM
               PLEASE PRINT - PLEASE ANSWER ALL QUESTIONS

DATE OF BIRTH:________________________________
FAMILY NAME    FIRST NAME (GIVEN NAME)
USA STREET ADDRESS:
____________________________________________________________
HOME TELEPHONE NUMBER: _____________________________________
CITY:_______________________________________________________
STATE: _____________________     ZIP: __________________
NAME OF UNIVERSITY/SCHOOL: _________________________________
TYPE OF VISA HELD:__________   ____PR   ____Male _____Female

YOUR UNIVERSITY/SCHOOL ADVISOR:
_________________________________________
ADVISOR PHONE #:____________________________
Have you ever had insurance by International Group Services, Inc.
before?  _____ No   _______ Yes


      If Yes, Prior Identification
#:___________________________________________ Prior Policy
#:____________________________________
Home Country: __________________________________  I want my
insurance to begin on: ______________/_____________, 1994.
                         Month             Day

Circle applicable premium(s) and add for your total premium.
NOTE:  Premium must be paid annually or semi-annually. Only if
dependents are covered may premium be paid annually,
semi-annually, or quarterly.


coverage is purchased may premium be paid annually, semi-annually
or quarterly.
                                        Over Age 65
          Annual         Semi-Annual    Quarterly (Annual Only)

Student   $  396.00    $198.00       $ 99.00  $3,000.00

Student &
Spouse    $1,980.00    $990.00       $495.00  $8,400.00

One Child $  480.00    $240.00       $120.00*          N/A

Two or
More
Children  $ 960.00     $480.00       $240.00*          N/A
          *(Available only if parent(s) also insured)


NOTE:  Dependents may only be enrolled on the date the member is
enrolled or within 31 days of birth, or 90 days of marriage, or
arrival in the U. S. A.

authorize premium deductions from my bankcard.

          ______MasterCard          _____Visa
Number______________________________________


Expiration__________________________________
Student &
Signature___________________________________
Do not elect this payment option if you reside in AL, NC, NY, TX
or PA

____________________________________________ _

Student's Signature

Two or More If you wish to pay by check or money order, make
payable to

             International Group Services, Inc. and mail with
enrollment form to:
ADMINISTRATOR,
International Group Services, Inc.
10530 Rosehaven Street, Suite 350,
Fairfax, VA
22030

REMITTANCE ACCEPTED IN U. S. FUNDS ONLY.  If you have any
questions, please call the Administrator (toll-free)
800-394-2500.
NOTE:  Your spouse must be enrolled as a spouse unless also
registered as a student or scholar,
then separate applications are required.  Dependents may only be
enrolled on the date the student is enrolled or within 31 days of
birth, or within 90 days of marriage or arrival in the U. S. A.
Spouse and/or children may only be enrolled if student is
enrolled.



If you are insuring dependents:
          Names                         Date of Birth
Spouse_________________________________________________

Child__________________________________________________

Child__________________________________________________


+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+==+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+==+
+  		Editor of this issue:    Derek Hu                         +
+-------------------------------------------------------------------------+	
+  Executive Moderator:  Jesse CHEN       Executive Editor: Derek Hu      +
+-------------------------------------------------------------------------+
+  Committee Legal Advisor: Haibin Hu     Committee Chair: Zhendong Liu   +
+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+==+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+
+ Contribution and General Inquiry:     consult@ifcss.org                  +
+ Back issues are in IFCSS ftp site: /ifcss/ncomers                        +
+ To Join the committee, contact Zhendong Liu at liu@cae.wisc.edu          +
+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+==+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=+=++=
