The Gazette 1993

GAZETTE

GEM N

JUNE 1993

European electronic highways, such

as ISDN, a pan-European mobile

telecommunications system and the

Green Paper on satellite

communications as discussed. The

EC chapter goes on to explore the

liberalisation of the terminal

equipment market.

Neil Ende

provides a historical perspective on

competition in the US

telecommunications industry.

This book is geared towards giving

About 1 in 4 men between the ages

of 45 and 65 will be unable to work

for six months or more owing to ill-

health. Women are even more likely

to suffer ill-health than men. With

statistics like these the effects of loss

of income because of ill-health

should be taken seriously.

Permanent Health Insurance (PHI) is

vital security against prolonged

illness or complete disability -

conditions that destroy a person's

earning power. In the event of a

claim, PHI provides an income until

the individual recovers, dies or

reaches retirement age.

Cover will cease on the selected

expiry date, normally when the

insured person attains either his

55th, 60th or 65th birthday. It will

also cease if the assured party stops

paying the premiums or changes

occupation to one excluded by the

terms of the policy. In the event of a

claim, payment will commence after

the expiry of a deferred period of

either 13, 26 or 52 weeks.

The cost of the cover depends on a

combination of factors including

benefit required, age, sex,

occupation, deferred period and

ceasing age. Full tax relief is

available on the premiums payable

up to 10% of total income for the

year. The relief is obtained by

applying to your local Inspector of

Taxes.

Cover is often surprisingly

inexpensive. As an example, an

an overview to the reader of the law

of information technology as it

stands and how it will probably

develop in the Single Market. The

comparison with the position in the

United States is perhaps obvious

given the developments in that

jurisdiction. However, it is helpful.

The chapters on EC competition law

and perhaps to a lesser extent the

Products Liability Directive would be

of interest generally to Irish solicitors

income benefit of £10,000 per

annum (£200 per week) payable atter

a deferred period of 26 weeks to the

maximum age of 65 would cost a

thirty year old professional man, for

example, a doctor or solicitor, £14.27

per month. Tax relief of 48% would

effectively reduce this cost of £7.42

per month - a small price to pay

for peace of mind.

You may think that it will never

happen but of course anyone can be

struck down by ill-health or accident

at any time. So do consider your

client's income protection needs and

make certain that their income does

not fail when their health does.

For further details contact

Tom

Kennedy

of Solicitors Financial

Services at (01) 4781599 or write to

Solicitors Division, Sedgwick Dineen

Consulting Group, 18/19 Harcourt

Street, Dublin 2.

•

In Ireland

COT DEATH

is the

largest killer of children under the

age of two. The Irish Sudden

Infant Death Association supports

bereaved families and funds cot

death research. If your client

wishes to make a will in favour of

Cot Death Research

further information is available from

I S I D A

Carmichael House,

4 North Brunswick Street, Dublin 7.

Telephone: 8747007 / 8732711

though to purchase the publication

for that reason may not be money

well spent. This book is intended for

those legal practitioners with a

particular interest in information

technology as such. To that extent, it

is a worthwhile addition to the

library.

Anthony Burke

Mason Hayes & Curran

•

AIJA Congress

Rio de Janeiro, Brazil, 23-27

August, 1993

AIJA, the International Association

of Young Lawyers, has picked Rio de

Janeiro as the venue for its 31st

Annual Congress. The Congress

takes place from 23-27 August and

apart from a special seminar on

anti-dumping (comparing the South

American with the EC experience),

the working sessions deal with a

wide variety of issues such as:

• Intellectual Property - protection

against counterfeiting

• Tax Law - international

partnership

• EC Law - European merger

control

• International Arbitration -

forms of evidence admissible

• Family Law - international child

adoption.

There is an equally wide ranging

social programme, which includes

dinner on a private tropical island.

Pre and post Congress tours have

been arranged by the organisers for

those who wish to combine a holiday

with the Congress.

Further details on the Congress and

information on AIJA can be

obtained from the National Vice

President,

Petria McDonnell,

McCann FitzGerald, 2

Harbourmaster Place, Custom House

Dock, Dublin 1. (Tel 01 8290000,

Fax 01 8290010).

•

Permanent Health Insurance

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