benefits of assignment

Unlocking Academic Success: The Top 12 Benefits of Assignments

Rebekah Marshall

June 5, 2024

Read Time: 8 min

Is it possible that you would reach the end of your degree but didn’t attempt any assignment in your academic career? Not really. Well, the importance of assignments is not hidden from us. We all are aware of its significance. Completing assignments is a daunting task, but do you have any idea about their benefits? If not, then keep reading this article. We’ll explain the benefits of assignments in detail and how to finish them fast. Before moving forward, let’s have a brief overview of what an assignment is and its purpose.

What is an assignment?

Assignments play an important part in the learning process of students. It is a well known assessment method for teachers as well. Additionally, it is not only for students but also for professors. With the help of assignments, professors can evaluate the skills, expertise, and knowledge of students. It also helps teachers assess whether or not pupils have met the learning objectives. Moreover, it allows them to gauge how much students have learned from their lessons.

In education, an “assignment” means a piece of schoolwork that teachers give to students. It provides a range of opportunities to practice, learn, and show what you’ve learned. When teachers assign assignments, they provide their students with a summary of the knowledge they have learned. Additionally, they assess whether students have understood the acquired knowledge. If not, what concerns do they may have?

Purpose of Giving Assignments to Students

Teachers give homework to help students in their learning. Doing homework shows they are good at it, responsible, and can manage their time wisely. College professors also give homework to check how well students understand what they learned. Clarity is required when planning an assignment on a number of issues. As a result, the following factors are taken into account by your teacher when creating the structure for your assignment.

Will it be an individual or group assignment?
How can it be made more effective for students?
Should I combine two approaches for this project?
Do I need to observe how students are working on the assignment? Or should I check it once they’ve finished it?
What standards must I follow when evaluating this assignment?

What are the aspects of assignment evaluation?

Instructors usually follow these three aspects when evaluating an assignment.

Aspects of Assignment Evaluation

The assignment and the method used to evaluate the results are in line with the learning objectives.

Reliability

Teachers draw distinctions and assign grades based on the outcomes. The score is consistently calculated based on the predefined parameters. It guarantees that the grades are evaluated in a meaningful way.

Objectivity

An assignment’s goal should be obvious. The primary goal of this assignment is to teach students what they will learn. Also, how to finish that assignment. Teachers need to specify what they expect from the assignment and how they are going to evaluate it.

Types of Writing Assignments

There are different types of writings that teachers assign to students at the college or university level. Some of writing assignment types are:

Types of Assignment Writing

It presents the author’s viewpoint on a subject with supporting data and may also argue its case. The essay structure consists of three main components: introduction, body paragraphs, and conclusion. Essays are of different types, such as analytical essays, compare and contrast essays, and persuasive essays. You can also buy essays from an online writing service.

A report offers information about an issue in a clear and organized manner. You may have learned this information through reading, research, experiments, and measurements in the field or lab. You might also have gained it from your personal experiences. Additionally, reports have different structures depending on the subject or discipline. The basic structure of the report consists of an abstract, introduction, methodology, findings, discussion, conclusion, and appendices.

Literature reviews

A literature review may be assigned as a standalone assignment. In the literature review, the goal is to summarize the key research relating to your topic. Alternatively, it might be a section of a lengthy project, like a research report or thesis. The goal would be to justify the need for more research on the topic you have selected.

Annotated bibliographies

A literature review or essay synthesizes various sources and incorporates them into a single discussion about a topic. In contrast, an annotated bibliography evaluates and summarizes each reading independently. Each reading is typically presented alphabetically based on the first letter of the lead author’s surname. It is difficult to generate an annotated bibliography. But you can get expert help by hiring an online annotated bibliography writing service .

Case studies

In general, a case study requires the integration of theory and practice. This helps you connect theoretical ideas to real professional or practical situations. A case may be a person, any event, idea, etc. You are analyzing the case by mapping it against a theoretical explanation to understand and see the big picture – What has happened? It may take the form of a report or an essay. Consult your lecturer or tutor and review the assignment question.

Research paper

The research paper starts with a topic and your research question. Add data from trustworthy sites and properly cite those sources. Moreover, add a claim or argument as your thesis statement. If you don’t know how to write a research paper , you can check our latest guide.

Response paper

In the response paper, discuss what you’ve read or learned about a particular problem or subject. Evaluate concepts about other readings, talks, or debates. Write in a combination of formal and informal styles. (make sure to consult your professor’s guidelines)

Top 12 Benefits of Assignments

For hard working students, assignments can offer many benefits once they get used to them. They help you get the grades you want and show what you have learned in your classes. You’ll see the benefits of assignments more clearly when you learn about their different types and what your teacher expects. Assignments are an absolute way to do well in your classes.

We have already talked about what an assignment is and its purpose. Let’s explore the impact of homework assignment on students’ learning.

1. Enhance the student’s knowledge

Teachers assign assignments on a variety of subjects and topics. This will help the students to gain knowledge when they work on different kinds of topics. It is one of the best benefits that students receive from assignments. They are also introduced to significant ideas and insightful information.

Suppose your assignment topic is too complex. You have to spend extra time and effort to conduct detailed research to understand the topic. This way, you will not only be able to complete your assignment. But also gain a lot of new information.

There can be a lot of pressure to memorize information exactly. This pressure may lead to simply repeating it when studying for an exam. Students find it challenging to truly grasp the concepts covered in their courses. This results in a lack of deep understanding. On the other hand, when you undertake a challenging assignment, you’ll be applying knowledge to real world issues. These issues often have multiple possible solutions. You’ll find that developing this kind of thinking and improving your assignment writing skills will help you throughout the course and the rest of your academic career.

2. Improve student’s problem solving skills

Another benefit of assignments is when students work on complex projects; their analytical and critical thinking skills are also enhanced. This is an extremely useful skill for students to possess. Since it will help them in their academic and professional journey. We continue to learn from this process regardless of our age.

A great technique to master your course material is to challenge yourself. Give yourself a complex problem to solve and strive to find a solution. Similar to the benefits of homework , you can only improve at something by putting it into practice and giving it a lot of thought. We are always working on these analytical and problem solving skills, and going back to school will force you to develop them even more.

3. Boost your writing caliber

We frequently find ourselves with a lot on our minds but unable to properly and clearly explain it in front of the audience. Assignments help us in improving our writing skills. When you have a habit of writing, then you can communicate easily. Your writing skills will improve because your academic task requires you to write. Another benefit of assignments is that they assist you in writing concisely and clearly.

4. Help to think under pressure

Sometimes, you might be assigned a very difficult assignment that requires a lot of knowledge, and you are not familiar with it. Handling these complex tasks assists you in persevering when you don’t have enough information. It also helps you to grow confidence in your skills to find the right solution.

Additionally, all students and professionals need to learn how to think under pressure. The assignment gives you the opportunity to do so. Since you probably only have a few days to finish the assignment. You’ll need to not only manage your busy schedule to finish it. But also squeeze in a lot of learning and application of what you’ve learned. Possessing this ability will be beneficial because it will enable you to think clearly under pressure, which will help you succeed in school and in your career.

5. Help in boosting grades

There is more pressure to perform well on exams when a course has few exams that make up for an important part of your final grade. Smaller assignments that account for a smaller portion of your final grade mean that even if you don’t perform well on one of them, you will still have more chances to improve your grade.

You can feel more at ease knowing that your grades are divided in this manner. This provides you with multiple chances to work towards a higher grade. Many students prefer smaller assessments. These relieve them of worrying about a single test significantly impacting their final grade.

6. Build time management skills

A study conducted among students revealed that students who completed more assignments performed better in their overall academics. They also achieved higher scores in specific subjects.

Due to these tasks, students gain more time management skills, which further empowers them. They learn the ability to allocate their time between assigned tasks and prioritized activities. They are aware of what needs to be done first. How to solve problems faster, and how to turn in their work ahead of schedule. Furthermore, this practice teaches them to use their time wisely.

7. Enhance organizing and planning skills

Completing an assignment requires thoughtful planning. Students’ organizational skills are improved through the information search, sorting, and use of relevant data. Following that, students will be able to plan out when and how to complete their assigned work. Attempting assignments allows them to effectively handle their learning habits. They also help them to apply their knowledge wisely to improve their academic performance.

8. Understand how to apply in real life scenarios

Applying theoretical concepts to real world situations also gets easier when one learns how to write theoretical assignments. This enables them to be prepared to deal with any problems that arise in the future.

9. Boosts your knowledge of technical subjects and ideas

When a subject is taught in a classroom environment, it’s normal for students to not understand it. They are forced to spend more time comprehending and finishing their work when they are assigned assignments on those subjects, though.

This enables them to respond to those questions with ease and proficiency. Regardless of a concept’s technicality, you’ll gain a strong command over it. This happens when you write multiple articles on the same topic or idea.

10. Improve research skills

Doing homework and assignments also helps students get better at researching. When a professor assigns any assignment, students perform thorough research on different topics. This allows them to learn the ability to find useful information and sort it accordingly. Their professional life is positively impacted, and their academic performance is improved by this habit.

11. Learn the art of tasks prioritizing

When handling a lot of assignments, you will learn to prioritize the task based on its importance. It is a crucial skill that is needed in professional life. Prioritizing your work will help you to complete all your tasks on time. You will be able to meet the deadlines.

12. Making a personal study space

You can get help from your colleagues and online resources. But the task of implementing that knowledge is your own. This is exactly what you need to understand concepts.

As you work on your assignments, you can create a relaxing study space that increases productivity. You’ll be able to create a unique working style by doing this. In addition, you can focus on creativity, productivity, learning, and pursuing interests.

Of course, everything has a negative aspect, even though there are definite advantages. Sometimes, students may question the true value of assignments. They wonder if there are any restrictions on this particular grading scheme. Students usually wonder this when they are having difficulty with their coursework or with specific concepts. These carry significant burdens. They can be stressful for students struggling with course material.

However, this belief has a reason. Even experts can’t agree on the best way to evaluate a student’s performance in a course. This sparks a lot of discussion.

How to finish assignments fast?

Firstly, make a plan of what steps you will cover in your assignment. It includes how much time is required to complete the assignment. Then, list out all the tasks that you will do in your assignment. Identify what you need to complete this assignment, like a calculator, books, paper, and pen. Find a relaxing and quiet place to work without any distractions. Switch off your phone. Have some light snacks and water. Take quick breaks between assignment tasks. When you’re done with the assignment, reward yourself.

Concluding Remarks

Now, you have a clear understanding of what the assignment means and its importance. And how it is beneficial for the student’s academic career. Would you like additional information? Or do you simply not have the time to complete it? Stop worrying! You can find the solution at Nerdpapers, all under one roof. Our professionals have years of experience. So, if a student gets stuck on a project or assignment, they can take a variety of actions to help them finish it on time. Not only can our native experts produce high quality assignments. But they can also help you achieve good grades at reasonable costs. Therefore, hire subject related experts for appropriate guidance and assistance rather than compromising your grades. Whether you are a college, university, or high school student, there are several benefits of assignment writing.

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Advantages and Disadvantages of Assignments For Students

Looking for advantages and disadvantages of Assignments For Students?

We have collected some solid points that will help you understand the pros and cons of Assignments For Students in detail.

But first, let’s understand the topic:

What is Assignments For Students?

What are the advantages and disadvantages of assignments for students.

The following are the advantages and disadvantages of Assignments For Students:

Advantages	Disadvantages
Boosts understanding of topics	Can increase stress levels
Encourages independent learning	Limits free time
Enhances time management skills	May discourage creativity
Improves research and writing abilities	Risks of plagiarism
Reinforces classroom learning	Difficulty understanding instructions

Advantages of Assignments For Students

Disadvantages of assignments for students.

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Top 10 Advantages of Assignments That Every Student Should Know

The assignments are given by almost all the colleges and universities around the world in all subjects, streams, topics, and specializations. These assignments are given to the students to complete at home.

The assignments are given to test the skills and progress of college and university students. The grades they get in these assignments carry a lot of value in their academic as well professional careers in the near future.

But the basic issue is that the students do not get enough time and energy to complete all these assignments papers absolutely by themselves in the best manner. Under such situations, they always need the best online Professional Case Study Writing Help Service online. Casestudyhelp.com is the right choice for them in his regard.

Students who are seeking assistance with their assignments? Get the Top 10 Advantages of Assignments Every Student Should Know to make a perfect assignment.

What Are the Advantages of Assignments?

Assignment writing is needed in various degree courses like MBA, nursing, psychology, history, English literature, physics, chemistry, law, engineering, IT (Information Technology), software and many more. As per the Case study writers of casestudyhelp.com, the main advantages of assignment writing are as follows:

It provides Knowledge and Awareness on technical topics : The professors assign students various assignment topics so they can grasp all the technical knowledge, and many other things remain unclear with only theoretical studies.
It helps widen their cognitive skill horizons: Students are also exposed to information insights and meaningful concepts through writing the assignments. You can always gain very in-depth knowledge of your core subject with the help of these assignments.
It improves writing skills : In an assignment, you need to write the topic in an essay or paragraph. Thus, it improves your writing skills a lot. The writing and analytical skills of the students are improved a lot by writing the assignments.
It enhances the research traits : by writing the assignments, you get an opportunity to do thorough research and study the given topic. Thus, you can also explore various assumptions with examples on each topic. A lot of creativity is enhanced within you by researching and studying the assignment topic.
You are cognitive as well as analytic abilities are enhanced : You can enhance as well as increase your mental and imaginative skills with the help of the assignments. Your rationality is also improved at the same time. It helps in developing your experimental skills.
It improves your time management skills : One of the major skills everyone needs to learn in their careers. The assignment writing task helps you synchronize your time with studying as well as preparing your assignment papers.
It enhances your planning and organizing skills : The assignments make you do your work by prioritizing the needs and time frames. It helps you complete all your tasks peacefully instead of creating any panic.
Scopes for improvement : Assignment writing work gives you a lot of scopes to improve yourself. After the assignment submissions, you get a lot of positive as well as negative feedback from your assessor, who is mostly your faculties. These feedbacks are very valuable to your career.
It improves the learning process : The assignments always give the students opportunities to explore their knowledge and skills via the real-life practical examples they give. Thus, their knowledge scope is broadened vastly by writing long assignment papers.
Helps you during the exams : As mentioned earlier, you need to undergo a lot of research and studies before writing the assignments. Thus, a large part of your exam preparation is always done this way.

The Case study solution online service provided by casestudyhelp.com can always help you the best in writing all your assignments in any subject, stream or topic. We provide the Best Case Study Help to students of western countries like the UK, USA, New Zealand, etc., and eastern countries like Singapore and Malaysia.

Thus, students from all across the world are hugely benefited from our services. We follow all the rules and guidelines your respective institutions give in writing the college and University Assignment Papers. Thus, you will always impress your assignment assessors in college.

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Unraveling the Essence of Assignments: Your Path to Academic Success

A Journey to Excellence: Understanding and Conquering Academic Assignments

Assignments play a crucial role in shaping your academic journey and are essential for achieving success. They provide a platform to apply theoretical knowledge, develop critical thinking skills, and enhance your understanding of various subjects. Completing assignments with diligence and dedication not only improves your grades but also prepares you for future challenges. This process encourages independent learning, time management, and problem-solving abilities, all of which are vital for academic and professional growth. By unraveling the essence of assignments, students can unlock their full potential and pave the way for a successful academic career. Embracing assignments as opportunities rather than burdens transforms the learning experience, making it more engaging and rewarding. As you navigate through your educational journey, recognizing the value of assignments will empower you to excel and achieve your academic goals with confidence and competence.

Defining the Assignment

At its core, an assignment is a task assigned to students by their educators, whether teachers or professors. These tasks serve as a medium through which students can demonstrate their knowledge and ability to apply it effectively. It's not merely an exercise in regurgitating facts and figures; it's an opportunity to showcase one's grasp of a subject, critical thinking skills, and creativity.

But let's peel back the layers and examine the concept of assignments on a deeper level. Assignments are not just educational chores but the keys to success and the beacons of a brighter future. Imagine a student aspiring to be admitted to a prestigious college or securing a coveted position at a renowned institution like Lloyds Bank. The path to such achievements is paved with grades; each assignment contributes to that mosaic of success. Therefore, the quality of assignments submitted is not merely a matter of academic performance but a stepping stone toward future accomplishments.

The Purpose of Assignments

To truly appreciate the significance of assignments, we must delve into their purpose. Why do students invest time and effort in completing these tasks? The answer lies in the multifaceted benefits that assignments offer:

1. Consolidation of Knowledge : Attending lectures and absorbing information is crucial but often fleeting. Assignments bridge the gap between theory and practical understanding. They require students to dive deeper into a subject, conduct research, and apply what they've learned. For example, consider historical accounts of World War II. While initial class discussions might cover the basics, in-depth research during assignment preparation ensures the details will be etched in memory for years to come.

2. Stimulating Critical Thinking : Stimulating Critical Thinking: In a classroom, students are passive participants in the learning process. Assignments, on the other hand, transform them into active thinkers and investigators. At home, students have access to a wealth of resources and the opportunity to seek online assignment help in USA , enabling them to explore various perspectives, gather advice, and engage in critical thinking. Assignments could be essays, asking students to present their unique viewpoints on a subject and require persuasive skills and research acumen. These skills are not just essential for academic success but for all future endeavors.

The Typical Assignment Structure

Now that we understand why assignments are vital, let's dissect their typical structure, which serves as a roadmap to successful assignment completion. There are five main aspects you're bound to encounter when tackling an assignment:

1. Overview : Before delving into the specifics of an assignment, professors typically provide an overview. This initial step clarifies the task's nature, what should be explored, and whether it's an individual or group endeavor. It's the foundation upon which your assignment journey begins.

2. Description of the Task : Once you've grasped the assignment's scope, the next step is to define the specific task you should undertake. Professors may provide a topic or present a list of potential themes from which you can choose. This phase outlines the assignment's goals and objectives, giving you a clear direction for your work.

3. Additional Materials : In many cases, assignments come with a list of recommended sources or materials. While some sources may need to be found independently, others may be specifically assigned by the professor. This step helps students learn to integrate various resources effectively. Additionally, you might be required to prepare supplementary materials like mini-presentations to enhance your assignment. Always clarify with your instructor whether additional materials are necessary, as being over-prepared is preferable to being unprepared.

4. Style Tips : Every assignment at the college or university level must adhere to specific style requirements. This includes adhering to rules of academic writing, such as avoiding first and second-person pronouns, contractions, and maintaining formality. Furthermore, academic assignments often require specific formatting styles like MLA, APA, Harvard, Chicago, and more. Your professor usually dictates the formatting style, so carefully consult the template provided, which typically contains samples of formatting styles. Pay attention to headings, title pages, references, titles, citations, and other style-related aspects. Even minor formatting errors can impact your grade significantly, so meticulous attention to academic and formatting styles is crucial.

5. Technical Details: The final important aspect of an assignment pertains to technical details. These include specifications such as the required number of pages, acceptable word count deviations, the deadline for submission, and source age requirements. In most cases, only recent sources from the last 5-7 years are permitted to ensure the information is current and relevant.

Assignment-Related Terms You Should Know

As you embark on your assignment journey, you must familiarize yourself with certain terms and processes you're likely to encounter. These terms elucidate the various dimensions of assignments and provide insight into what tasks usually involve:

1. Analyzing : This involves considering an issue or concept from all perspectives. It entails breaking down the subject into its constituent parts and providing fact-based explanations for each part, often establishing connections and outcomes. When you analyze a topic, you dissect it to gain a deeper understanding.

2. Summarizing : Summarizing requires you to retell what you have read or seen in your own words. It involves distilling the most critical aspects of the information while disregarding insignificant details. Summarizing is a valuable skill that helps you extract the essence of a subject.

3. Evaluating : To evaluate is to assess a topic or idea from all sides before reaching a judgment. It involves considering specific criteria, such as whether something is effective, dangerous, promising, or any other relevant measure. Evaluation is a critical thinking skill that aids in forming well-informed opinions.

4. Describing : When you describe, you present an overview of a subject. This can include comprehensively understanding a topic or simply introducing it to the reader.

5. Comparing : Comparison involves taking at least two objects, ideas, or concepts and examining what sets them apart and what they have in common. Comparative analysis helps in drawing distinctions and identifying similarities.

6. Research : Research is studying a subject's background, meaning, and implications by applying credible sources. It explores available information systematically to gather evidence and support your arguments.

7. Relating : Relating involves establishing a connection between at least two different objects or concepts. It aims to demonstrate how these entities are interconnected and how one influences the other.

8. Applying : Applying requires bringing a particular idea or theory into practical use and relating it to a specific object or situation. It entails studying the latter through the lens of the former, often showcasing real-world applications.

9. Illustrating : To illustrate is to prove a point by providing detailed examples. Examples are used to support arguments and make complex concepts more accessible.

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A survey conducted by the Associated Press has revealed that around 58% of parents feel that their child has been given the right amount of assignments. Educators are thrilled that the majority has supported the thought of allocating assignments, and they think that it is just right.

However, the question arises when students question the importance of giving assignments for better growth. Studies have shown that students often get unsuccessful in understanding the importance of assignments.

What key purpose does an assignment have? They often question how an assignment could be beneficial. Let us explain why a teacher thinks it is best to allot assignments. The essential functions of assigning tasks or giving assignments come from many intentions.

What is the Importance of Assignment- For Students

The importance of the assignment is not a new concept. The principle of allocating assignments stems from students’ learning process. It helps teachers to evaluate the student’s understanding of the subject. Assignments develop different practical skills and increase their knowledge base significantly. As per educational experts, mastering a topic is not an impossible task to achieve if they learn and develop these skills.

Cognitive enhancement

While doing assignments, students learn how to conduct research on subjects and comprise the data for using the information in the given tasks. Working on your assignment helps you learn diverse subjects, compare facts, and understand related concepts. It assists your brain in processing information and memorizing the required one. This exercise enhances your brain activity and directly impacts cognitive growth.

Ensured knowledge gain

When your teacher gives you an assignment, they intend to let you know the importance of the assignment. Working on it helps students to develop their thoughts on particular subjects. The idea supports students to get deep insights and also enriches their learning. Continuous learning opens up the window for knowledge on diverse topics. The learning horizon expanded, and students gained expertise in subjects over time.

Improve students’ writing pattern

Experts have revealed in a study that most students find it challenging to complete assignments as they are not good at writing. With proper assistance or teacher guidance, students can practice writing repetitively.

It encourages them to try their hands at different writing styles, and gradually they will improve their own writing pattern and increase their writing speed. It contributes to their writing improvement and makes it certain that students get a confidence boost.

Increased focus on studies

When your teachers allocate a task to complete assignments, it is somehow linked to your academic growth, especially for the university and grad school students. Therefore, it demands ultimate concentration to establish your insights regarding the topics of your assignments.

This process assists you in achieving good growth in your academic career and aids students in learning concepts quickly with better focus. It ensures that you stay focused while doing work and deliver better results.

Build planning & organization tactics

Planning and task organization are as necessary as writing the assignment. As per educational experts, when you work on assignments, you start planning to structurize the content and what type of information you will use and then organize your workflow accordingly. This process supports you in building your skill to plan things beforehand and organize them to get them done without hassles.

Adopt advanced research technique

Assignments expand the horizon of research skills among students. Learners explore different topics, gather diverse knowledge on different aspects of a particular topic, and use useful information on their tasks. Students adopt advanced research techniques to search for relevant information from diversified sources and identify correct facts and stats through these steps.

Augmenting reasoning & analytical skills

Crafting an assignment has one more sign that we overlook. Experts have enough proof that doing an assignment augments students’ reasoning abilities. They started thinking logically and used their analytical skills while writing their assignments. It offers clarity of the assignment subject, and they gradually develop their own perspective about the subject and offer that through assignments.

Boost your time management skills

Time management is one of the key skills that develop through assignments. It makes them disciplined and conscious of the value of time during their study years. However, students often delay as they get enough time. Set deadlines help students manage their time. Therefore, students understand that they need to invest their time wisely and also it’s necessary to complete assignments on time or before the deadline.

What is the Importance of Assignment- Other Functions From Teacher’s Perspective:

Develop an understanding between teacher and students .

Teachers ensure that students get clear instructions from their end through the assignment as it is necessary. They also get a glimpse of how much students have understood the subject. The clarity regarding the topic ensures that whether students have mastered the topic or need further clarification to eliminate doubts and confusion. It creates an understanding between the teaching faculty and learners.

Clarity- what is the reason for choosing the assignment

The Reason for the assignment allocated to students should be clear. The transparency of why teachers have assigned the task enables learners to understand why it is essential for their knowledge growth. With understanding, the students try to fulfill the objective. Overall, it fuels their thoughts that successfully evoke their insights.

Building a strong relationship- Showing how to complete tasks

When a teacher shows students how to complete tasks, it builds a strong student-teacher relationship. Firstly, students understand the teacher’s perspective and why they are entrusted with assignments. Secondly, it also encourages them to handle problems intelligently. This single activity also offers them the right direction in completing their tasks within the shortest period without sacrificing quality.

Get a view of what students have understood and their perspective

Assigning a task brings forth the students’ understanding of a particular subject. Moreover, when they attempt an assignment, it reflects their perspective on the specific subject. The process is related to the integration of appreciative learning principles. In this principle, teachers see how students interpret the subject. Students master the subject effectively, whereas teachers find the evaluation process relatively easy when done correctly.

Chance to clear doubts or confusion regarding the assignment

Mastering a subject needs practice and deep understanding from a teacher’s perspective. It could be possible only if students dedicate their time to assignments. While doing assignments, students could face conceptual difficulties, or some parts could confuse them. Through the task, teachers can clear their doubts and confusion and ensure that they fully understand what they are learning.

Offering individualistic provisions to complete an assignment

Students are divergent, and their thoughts are diverse in intelligence, temperaments, and aptitudes. Their differences reflect in their assignments and the insight they present. This process gives them a fair understanding of students’ future and their scope to grow. It also helps teachers to understand their differences and recognize their individualistic approaches.

Conclusion:

You have already become acquainted with the factors that translate what is the importance of assignments in academics. It plays a vital role in increasing the students’ growth multifold.

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We often got queries like what is the importance of assignments to students. Likewise, if you have something similar in mind regarding your assignment & homework, comment below. We will answer you. In conclusion, we would like to remind you that if you want to know how our services help achieve academic success, search www.tutorbin.com . Our executive will get back to you shortly with their expert recommendations.

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Assignment of Benefits: What It Is, and How It Can Affect your Property Insurance Claim

Table of Contents

What is an Assignment of Benefits?

In the context of insured property claims, an assignment of benefits (AOB) is an agreement between you and a contractor in which you give the contractor your right to insurance payments for a specific scope of work . In exchange, the contractor agrees that it will not seek payment from you for that scope of work, except for the amount of any applicable deductible. In other words, you give part of your insurance claim to your contractor, and your contractor agrees not to collect from you for part of its work.

The most important thing to know about an assignment of benefits is that it puts your contractor in control your claim , at least for their scope of work. Losing that control can significantly affect the direction and outcome of your claim, so you should fully understand the implications of an AOB (sometimes called an assignment of claims or AOC) before signing one.

How Does an Assignment of Benefits Work in Practice?

Let’s say you’re an insured homeowner, and Hurricane Ian significantly damaged your roof. Let’s also assume your homeowner’s policy covers that damage. A roofer, after inspecting your roof and reviewing your insurance policy, might conclude that your insurer is probably going to pay for a roof replacement under your insurance policy. The only problem is that it’s early in the recovery process, and your insurer hasn’t yet stated whether it will pay for the roof replacement proposed by your contractor. So if you want your roof replaced now, you would ordinarily agree to pay your roofer for the replacement, and wait in hopes that your insurer reimburses you for the work. This means that if your insurance company refuses to pay or drags out payment, you’re on the hook to your roofer for the cost of the replacement.

As an alternative to agreeing to pay your roofer for the full cost of the work, you could sign an assignment of benefits for the roof replacement. In this scenario, your roofer owns the part of your insurance claim that pertains to the roof replacement. You might have to pay your roofer for the amount of your deductible, but you probably don’t have to pay them for the rest of the cost of the work. And if your insurance company refuses to pay or drags out payment for the roof replacement, it’s your roofer, and not you, who would be on the hook for that shortfall.

So should you sign an AOB? Not necessarily. Read below to understand the pros and cons of an assignment of benefits.

Are There any Downsides to Signing an Assignment of Benefits?

Yes.

You lose control of your claim . This is the most important factor to understand when considering whether to sign an AOB. An AOB is a formal assignment of your legal rights to payment under your insurance contract. Unless you’re able to cancel the AOB, your contractor will have full control over your claim as it relates to their work.

To explain why that control could matter, let’s go back to the roof replacement example. When you signed the AOB, the scope of work you agreed on was to replace the roof. But you’re not a roofing expert, so you don’t know whether the costs charged or the materials used by the roofer in its statement of work are industry appropriate or not. In most cases, they probably are appropriate, and there’s no problem. But if they’re not – if, for instance, the roofer’s prices are unreasonably high – then the insurer may not approve coverage for the replacement. At that point, the roofer could lower its prices so the insurer approves the work, but it doesn’t have to, because it controls the claim . Instead it could hold up work and threaten to sue your insurer unless it approves the work at the originally proposed price. Now the entire project is insnared in litigation, leaving you in a tough spot with your insurer for your other claims and, most importantly, with an old leaky roof.

Misunderstanding the Scope of Work. Another issue that can arise is that you don’t understand the scope of the assignment of benefits. Contractor estimates and scopes of work are often highly technical documents that can be long on detail but short on clarity. Contractors are experts at reading and writing them. You are not. That difference matters because the extent of your assignment of benefits is based on that technical, difficult-to-understand scope of work. This can lead to situations where your understanding of what you’re authorizing the contractor to do is very different from what you’ve actually authorized in the AOB agreement.

In many cases, it’s not necessary . Many contractors will work with you and your insurer to provide a detailed estimate of their work, and will not begin that work until your insurer has approved coverage for it. This arrangement significantly reduces the risk of you being on the hook for uninsured repairs, without creating any of the potential problems that can occur when you give away your rights to your claim.

Do I have to sign an Assignment of Benefits?

No. You are absolutely not required to sign an AOB if you do not want to.

Are There any Benefits to Signing an Assignment of Benefits?

Potentially, but only if you’ve fully vetted your contractor and your claim involves complicated and technical construction issues that you don’t want to deal with.

First, you must do your homework to fully vet your contractor! Do not just take their word for it or be duped by slick ads. Read reviews, understand their certificate of insurance, know where they’re located, and, if possible, ask for and talk to references. If you’ve determined that the contractor is highly competent at the work they do, is fully insured, and has a good reputation with customers, then that reduces the risk that they’ll abuse their rights to your claim.

Second, if your claim involves complicated reconstruction issues, a reputable contractor may be well equipped to handle the claim and move it forward. If you don’t want to deal with the hassle of handling a complicated claim like this, and you know you have a good contractor, one way to get rid of that hassle is an AOB.

Another way to get rid of the hassle is to try Claimly, the all-in-one claims handling tool that get you results but keeps you in control of your claim.

Can my insurance policy restrict the use of AOBs?

Yes, it’s possible that your Florida insurance policy restricts the use of AOBs, but only if all of the following criteria are met:

When you selected your coverage, your insurer offered you a different policy with the same coverage, only it did not restrict the right to sign an AOB.
Your insurer made the restricted policy available at a lower cost than the unrestricted policy.
If the policy completely prohibits AOBs, then it was made available at a lower cost than any policy partially prohibiting AOBs.
The policy includes on its face the following notice in 18-point uppercase and boldfaced type:

THIS POLICY DOES NOT ALLOW THE UNRESTRICTED ASSIGNMENT OF POST-LOSS INSURANCE BENEFITS. BY SELECTING THIS POLICY, YOU WAIVE YOUR RIGHT TO FREELY ASSIGN OR TRANSFER THE POST-LOSS PROPERTY INSURANCE BENEFITS AVAILABLE UNDER THIS POLICY TO A THIRD PARTY OR TO OTHERWISE FREELY ENTER INTO AN ASSIGNMENT AGREEMENT AS THE TERM IS DEFINED IN SECTION 627.7153 OF THE FLORIDA STATUTES.

627.7153.

Pro Tip : If you have an electronic copy of your complete insurance policy (not just the declaration page), then search for “policy does not allow the unrestricted assignment” or another phrase from the required language above to see if your policy restricts an AOB. If your policy doesn’t contain this required language, it probably doesn’t restrict AOBs.

Do I have any rights or protections concerning Assignments of Benefits?

Yes, you do. Florida recently enacted laws that protect consumers when dealing with an AOB.

Protections in the AOB Contract

To be enforceable, a Assignments of Benefits must meet all of the following requirements:

Be in writing and executed by and between you and the contractor.
Contain a provision that allows you to cancel the assignment agreement without a penalty or fee by submitting a written notice of cancellation signed by the you to the assignee:
at least 30 days after the date work on the property is scheduled to commence if the assignee has not substantially performed, or
at least 30 days after the execution of the agreement if the agreement does not contain a commencement date and the assignee has not begun substantial work on the property.
Contain a provision requiring the assignee to provide a copy of the executed assignment agreement to the insurer within 3 business days after the date on which the assignment agreement is executed or the date on which work begins, whichever is earlier.
Contain a written, itemized, per-unit cost estimate of the services to be performed by the assignee .
Relate only to work to be performed by the assignee for services to protect, repair, restore, or replace a dwelling or structure or to mitigate against further damage to such property.
Contain the following notice in 18-point uppercase and boldfaced type:

YOU ARE AGREEING TO GIVE UP CERTAIN RIGHTS YOU HAVE UNDER YOUR INSURANCE POLICY TO A THIRD PARTY, WHICH MAY RESULT IN LITIGATION AGAINST YOUR INSURER. PLEASE READ AND UNDERSTAND THIS DOCUMENT BEFORE SIGNING IT. YOU HAVE THE RIGHT TO CANCEL THIS AGREEMENT WITHOUT PENALTY WITHIN 14 DAYS AFTER THE DATE THIS AGREEMENT IS EXECUTED, AT LEAST 30 DAYS AFTER THE DATE WORK ON THE PROPERTY IS SCHEDULED TO COMMENCE IF THE ASSIGNEE HAS NOT SUBSTANTIALLY PERFORMED, OR AT LEAST 30 DAYS AFTER THE EXECUTION OF THE AGREEMENT IF THE AGREEMENT DOES NOT CONTAIN A COMMENCEMENT DATE AND THE ASSIGNEE HAS NOT BEGUN SUBSTANTIAL WORK ON THE PROPERTY. HOWEVER, YOU ARE OBLIGATED FOR PAYMENT OF ANY CONTRACTED WORK PERFORMED BEFORE THE AGREEMENT IS RESCINDED. THIS AGREEMENT DOES NOT CHANGE YOUR OBLIGATION TO PERFORM THE DUTIES REQUIRED UNDER YOUR PROPERTY INSURANCE POLICY.

Contain a provision requiring the assignee to indemnify and hold harmless the assignor from all liabilities, damages, losses, and costs, including, but not limited to, attorney fees.

Contractor Duties

Under Florida law, a contractor (or anyone else) receiving rights to a claim under an AOB:

Must provide you with accurate and up-to-date revised estimates of the scope of work to be performed as supplemental or additional repairs are required.
Must perform the work in accordance with accepted industry standards.
May not seek payment from you exceeding the applicable deductible under the policy unless asked the contractor to perform additional work at the your own expense.
Must, as a condition precedent to filing suit under the policy, and, if required by the insurer, submit to examinations under oath and recorded statements conducted by the insurer or the insurer’s representative that are reasonably necessary, based on the scope of the work and the complexity of the claim, which examinations and recorded statements must be limited to matters related to the services provided, the cost of the services, and the assignment agreement.
Must, as a condition precedent to filing suit under the policy, and, if required by the insurer, participate in appraisal or other alternative dispute resolution methods in accordance with the terms of the policy.
If the contractor is making emergency repairs, the assignment of benefits cannot exceed the greater of $3,000 or 1% of your Coverage A limit.

Benefits of Assignments

April 15, 2024

The Benefits of Assignments – Fostering Critical Skills and Real-World Readiness

Benefits of assignments! Did you know that Assignments can enhance your critical thinking, time management, and even communication skills. They promote independent learning, self-motivation, and creativity!

You can gain practical experience and develop skills valued in your future careers by just completing assignments. Assignments help students to handle real-world challenges and solve problems.

They also strengthen relationships between teachers and students through personalized feedback. Successful completion of assignments boosts confidence and self-esteem.

Let’s dive into the Advantages of Assignments!

What is the Benefit of Doing Assignment?

The Advantages of Assignments writing in Education is often seen as just busy work that students must do to earn a grade. However, assignments serve a greater purpose in education.

They are designed to help students develop essential skills and prepare for real-world challenges.

Assignments require students to think critically, manage their time effectively, communicate their ideas clearly, and foster creativity and innovation. They also encourage independent learning and self-motivation.

Doing assignments well helps students feel more confident, improves their relationships with teachers, and gives them helpful work experience.

How does Homework build Confidence?

Completing home work or assignments can successfully boost students confidence and self-esteem.

When students can complete assignments independently and achieve good grades or positive teacher feedback, it validates their abilities and boosts their confidence.

This confidence can than translate into more tremendous success in all areas of life. Confidence and self-esteem are vital for success in education, careers, and personal relationships.

When we believe in ourself and our abilities, then we are more likely to take risks, pursue our goals, and overcome challenges. Assignments allow students to build confidence and self-esteem by demonstrating their knowledge, skills, and abilities.

What are the different types of homework?

There are various types of homework assigned to students, such as Academic Writing including: Practice exercises involve practicing skills learned in class, such as solving math problems or grammar exercises.

Reading assignments: Students are assigned readings from textbooks, articles, or novels to enhance their understanding of the subject.
Research projects: Students are tasked with researching a specific topic and presenting their findings.
Writing assignments: These include essays, report writing , or creative writing tasks that help develop writing skills.

Students solve real-life or theoretical problems to develop critical thinking and problem-solving skills.

Does homework promote learning debate?

The debate surrounding whether homework promotes learning is ongoing it’s not gonna stop! Supporters argue that homework reinforces concepts learned in class, encourages discipline, and develops time management skills.

But on the other hand some people believe that excessive or poorly organized homework can have adverse effects. These effects include increased stress levels, exhaustion, and an imbalance between school and personal life.

Homework assignment effectiveness depends on factors such as the type and amount assigned and the student’s learning style and circumstances.

Developing Critical Thinking Skills Through Assignments

One of the key benefits of assignments is that they require students to engage in critical thinking. Critical thinking involves analyzing, evaluating, and synthesizing information to make informed decisions or solve problems.

Despite of all these benefits, Students often think should I pay some one to do my assignment ? Assignments often require students to research a topic, gather relevant information, and than analyze and evaluate it to form their conclusions.

This type of process helps students develop critical thinking skills essential for success in higher education and the workforce.

Employers highly value critical thinking skills because they enable individuals to think independently, make sound judgments, and solve complex problems.

In today’s rapidly changing world, where information is readily available and constantly evolving, the ability to think critically is more important than ever.

Assignments allow students to practice and develop these skills, which will definitely benefit them throughout their lives.

Enhancing Time Management and Organizational Skills

Another essential skill that assignments help develop is time management. Assignments often have deadlines, which require students to manage time effectively to complete them on time.

This means prioritizing tasks, breaking them into smaller, manageable parts, and allocating time for each task. By doing so, students learn how to manage time effectively and meet deadlines.

Time management skills are valuable not only in education but also in all areas of life. Managing time effectively is crucial for meeting work deadlines, balancing commitments, and pursuing personal goals.

Assignments help students by improving skills valuable in their future careers and personal lives.

Improving Communication and Writing Skills

Benefits of Assignments are for improving students their communication and writing skills. Students must clearly and effectively express ideas in assignments, such as written reports, presentations, group debates or discussions.

Students learn to express thoughts, organize ideas, and present them well by doing assignments.

Strong communication and even writing skills are essential for success in many careers. Good communication is vital for writing reports, emails, presentations, and talking to colleagues, clients, and customers.

Assignments allow students to practice and develop these skills, which will gonna benefit them in their future careers.

Creativity and Innovation with Assignments

Assignments can also foster creativity and innovation. Assignments often ask students to think creatively, find new solutions, and use their knowledge uniquely.

Assignments promote creative thinking skills in students, which are highly valued in various industries.

Creativity is generating high-quality new ideas, thinking differently, and developing innovative solutions.

It is a valuable design, marketing, advertising, technology, and entrepreneurship skill. Assignments help students think creatively and develop a talent that will benefit them in their future careers.

Encouraging Independent Learning and Self-Motivation

Assignments also encourage independent learning and self-motivation. Unlike lectures or classroom discussions, where information is presented, assignments require students to take responsibility for learning.

They must research, gather information, and apply their knowledge to complete the assignment. This process encourages students to be proactive, take initiative, and become self-directed learners.

Independent learning and self-motivation are valuable for higher education and workforce success.

In higher education, students are expected to take ownership of their learning and pursue knowledge independently.

Employers value individuals who can work independently, take initiative, and continuously learn and adapt to new challenges.

Assignments provide students with the opportunity to develop these skills, which will benefit them throughout their lives.

Preparing Students for Real-World Challenges

Assignments can simulate real-world challenges and prepare students for future careers. Many assignments are designed to replicate the types of tasks and problems that students will encounter in their chosen fields.

By completing these assignments, students gain practical experience and develop valuable skills in the workforce.

For example, a business assignment might require students to develop a marketing plan for a new product, simulating the task they might encounter in a marketing role.

Students gain practical experience developing marketing strategies, conducting market research, and analyzing consumer behavior by completing this assignment.

This experience will be valuable when they enter the workforce and pursue careers in marketing. Assignments also allow students to develop transferable skills that are valuable in any job.

These skills include problem-solving, critical thinking, communication, teamwork, and time management.

Students can develop these skills by completing assignments and becoming better prepared for the upcoming challenges in future.

Strengthening Relationships Between Teachers and Students

Assignments can also strengthen relationships between teachers and students. Assignments provide opportunities for teachers to connect with students individually, provide personalized feedback, and offer guidance and support.

This individualized attention can help students feel valued, supported, and motivated to succeed.

Strong relationships between teachers and students are essential for effective teaching and learning. When students feel interconnected to teachers, they are more likely to engage in the learning process, seek help when needed, and perform better academically.

Assignments allow teachers to build these relationships by providing individualized feedback and support.

How Assignment help is beneficial for students?

Well, Online assignment help is also a great opportunity but for the tough time like when you need it urgent! There are lot of advantages of assignments like in several ways:

Firstly, it provides access to expert guidance, which can help students to receive assignments that meet the exact criteria set by their professors
The Second thing is, online assignment help is accessible 24/7, which means students can seek assistance whenever they need it, providing a level of convenience that is invaluable for students facing tight schedules and deadlines
Thirdly, the skills and knowledge gained through online assignment help can prepare students for future challenges, helping them to research effectively, write persuasively, and submit well-researched and structured assignments that are more likely to earn higher grades
Fourthly, Cheap assignment can benefit you by saving your time so you can manage your time effectively, especially when juggling multiple assignments and extracurricular activities
Finally, assignment writing helps students to develop essential skills such as analytical skills, time management skills, writing skills, and research skills among other skills

In conclusion, assignments are more than just busy work – they serve a greater educational purpose.

Assignments help students develop essential skills such as critical thinking, time management, communication, and creativity. They also encourage independent learning and self-motivation.

By completing assignments successfully, students can build confidence and self-esteem, strengthen relationships with their teachers, and gain valuable practical experience in the workforce.

By recognizing the value of assignments beyond grades and scores, we can better support students in their learning journey and help them reach their full potential.

Assignments offer benefits such as enhancing learning and understanding, developing critical skills, and providing assessment and feedback.

The purpose of an assignment is multifaceted. It allows students to demonstrate their knowledge and understanding of the content, apply theoretical concepts to real-world situations, develop essential skills, and foster independent learning. Assignments also serve as an assessment tool for teachers to evaluate students’ progress and provide feedback.

Having a well-structured assignment plan brings several benefits. It helps students manage their time effectively, break down complex tasks into manageable steps, stay organized, and meet deadlines. An assignment plan also allows for better allocation of resources, promotes a systematic approach to learning, and reduces stress by providing a clear roadmap for completing the task.

The best place to write an assignment depends on personal preferences. Some find a quiet library or study area conducive, while others prefer a comfortable and organized workspace at home.

International assignments provide benefits like cultural immersion, personal growth, global networking opportunities, and the development of cross-cultural communication skills.

Pros of accepting an overseas assignment include career advancement, exposure to new markets, and cultural enrichment. Cons may have homesickness, family separation, and adjustment difficulties in a new environment.

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Many students have had little experience working in groups in an academic setting. While there are many excellent books and articles describing group processes, this guide is intended to be short and simply written for students who are working in groups, but who may not be very interested in too much detail. It also provides teachers (and students) with tips on assigning group projects, ways to organize groups, and what to do when the process goes awry.

Some reasons to ask students to work in groups

Asking students to work in small groups allows students to learn interactively. Small groups are good for:

generating a broad array of possible alternative points of view or solutions to a problem
giving students a chance to work on a project that is too large or complex for an individual
allowing students with different backgrounds to bring their special knowledge, experience, or skills to a project, and to explain their orientation to others
giving students a chance to teach each other
giving students a structured experience so they can practice skills applicable to professional situations

Some benefits of working in groups (even for short periods of time in class)

Students who have difficulty talking in class may speak in a small group.
More students, overall, have a chance to participate in class.
Talking in groups can help overcome the anonymity and passivity of a large class or a class meeting in a poorly designed room.
Students who expect to participate actively prepare better for class.

Caveat: If you ask students to work in groups, be clear about your purpose, and communicate it to them. Students who fear that group work is a potential waste of valuable time may benefit from considering the reasons and benefits above.

Large projects over a period of time

Faculty asking students to work in groups over a long period of time can do a few things to make it easy for the students to work:

The biggest student complaint about group work is that it takes a lot of time and planning. Let students know about the project at the beginning of the term, so they can plan their time.
At the outset, provide group guidelines and your expectations.
Monitor the groups periodically to make sure they are functioning effectively.
If the project is to be completed outside of class, it can be difficult to find common times to meet and to find a room. Some faculty members provide in-class time for groups to meet. Others help students find rooms to meet in.

Forming the group

Forming the group. Should students form their own groups or should they be assigned? Most people prefer to choose whom they work with. However, many students say they welcome both kinds of group experiences, appreciating the value of hearing the perspective of another discipline, or another background.
Size. Appropriate group size depends on the nature of the project. If the group is small and one person drops out, can the remaining people do the work? If the group is large, will more time be spent on organizing themselves and trying to make decisions than on productive work?
Resources for students. Provide a complete class list, with current email addresses. (Students like having this anyway so they can work together even if group projects are not assigned.)
Students that don't fit. You might anticipate your response to the one or two exceptions of a person who really has difficulty in the group. After trying various remedies, is there an out—can this person join another group? work on an independent project?

Organizing the work

Unless part of the goal is to give people experience in the process of goal-setting, assigning tasks, and so forth, the group will be able to work more efficiently if they are provided with some of the following:

Clear goals. Why are they working together? What are they expected to accomplish?
Ways to break down the task into smaller units
Ways to allocate responsibility for different aspects of the work
Ways to allocate organizational responsibility
A sample time line with suggested check points for stages of work to be completed

Caveat: Setting up effective small group assignments can take a lot of faculty time and organization.

Getting Started

Groups work best if people know each others' names and a bit of their background and experience, especially those parts that are related to the task at hand. Take time to introduce yourselves.
Be sure to include everyone when considering ideas about how to proceed as a group. Some may never have participated in a small group in an academic setting. Others may have ideas about what works well. Allow time for people to express their inexperience and hesitations as well as their experience with group projects.
Most groups select a leader early on, especially if the work is a long-term project. Other options for leadership in long-term projects include taking turns for different works or different phases of the work.
Everyone needs to discuss and clarify the goals of the group's work. Go around the group and hear everyone's ideas (before discussing them) or encourage divergent thinking by brainstorming. If you miss this step, trouble may develop part way through the project. Even though time is scarce and you may have a big project ahead of you, groups may take some time to settle in to work. If you anticipate this, you may not be too impatient with the time it takes to get started.

Organizing the Work

Break up big jobs into smaller pieces. Allocate responsibility for different parts of the group project to different individuals or teams. Do not forget to account for assembling pieces into final form.
Develop a timeline, including who will do what, in what format, by when. Include time at the end for assembling pieces into final form. (This may take longer than you anticipate.) At the end of each meeting, individuals should review what work they expect to complete by the following session.

Understanding and Managing Group Processes

Groups work best if everyone has a chance to make strong contributions to the discussion at meetings and to the work of the group project.
At the beginning of each meeting, decide what you expect to have accomplished by the end of the meeting.
Someone (probably not the leader) should write all ideas, as they are suggested, on the board, a collaborative document, or on large sheets of paper. Designate a recorder of the group's decisions. Allocate responsibility for group process (especially if you do not have a fixed leader) such as a time manager for meetings and someone who periodically says that it is time to see how things are going (see below).
What leadership structure does the group want? One designated leader? rotating leaders? separately assigned roles?
Are any more ground rules needed, such as starting meetings on time, kinds of interruptions allowed, and so forth?
Is everyone contributing to discussions? Can discussions be managed differently so all can participate? Are people listening to each other and allowing for different kinds of contributions?
Are all members accomplishing the work expected of them? Is there anything group members can do to help those experiencing difficulty?
Are there disagreements or difficulties within the group that need to be addressed? (Is someone dominating? Is someone left out?)
Is outside help needed to solve any problems?
Is everyone enjoying the work?

Including Everyone and Their Ideas

Groups work best if everyone is included and everyone has a chance to contribute ideas. The group's task may seem overwhelming to some people, and they may have no idea how to go about accomplishing it. To others, the direction the project should take may seem obvious. The job of the group is to break down the work into chunks, and to allow everyone to contribute. The direction that seems obvious to some may turn out not to be so obvious after all. In any event, it will surely be improved as a result of some creative modification.

Encouraging Ideas

The goal is to produce as many ideas as possible in a short time without evaluating them. All ideas are carefully listened to but not commented on and are usually written on the board or large sheets of paper so everyone can see them, and so they don't get forgotten or lost. Take turns by going around the group—hear from everyone, one by one.

One specific method is to generate ideas through brainstorming. People mention ideas in any order (without others' commenting, disagreeing or asking too many questions). The advantage of brainstorming is that ideas do not become closely associated with the individuals who suggested them. This process encourages creative thinking, if it is not rushed and if all ideas are written down (and therefore, for the time-being, accepted). A disadvantage: when ideas are suggested quickly, it is more difficult for shy participants or for those who are not speaking their native language. One approach is to begin by brainstorming and then go around the group in a more structured way asking each person to add to the list.

Examples of what to say:

Why don't we take a minute or two for each of us to present our views?
Let's get all our ideas out before evaluating them. We'll clarify them before we organize or evaluate them.
We'll discuss all these ideas after we hear what everyone thinks.
You don't have to agree with her, but let her finish.
Let's spend a few more minutes to see if there are any possibilities we haven't thought of, no matter how unlikely they seem.

Group Leadership

The leader is responsible for seeing that the work is organized so that it will get done. The leader is also responsible for understanding and managing group interactions so that the atmosphere is positive.
The leader must encourage everyone's contributions with an eye to accomplishing the work. To do this, the leader must observe how the group's process is working. (Is the group moving too quickly, leaving some people behind? Is it time to shift the focus to another aspect of the task?)
The leader must encourage group interactions and maintain a positive atmosphere. To do this the leader must observe the way people are participating as well as be aware of feelings communicated non-verbally. (Are individuals' contributions listened to and appreciated by others? Are people arguing with other people, rather than disagreeing with their ideas? Are some people withdrawn or annoyed?)
The leader must anticipate what information, materials or other resources the group needs as it works.
The leader is responsible for beginning and ending on time. The leader must also organize practical support, such as the room, chalk, markers, food, breaks.

(Note: In addition to all this, the leader must take part in thc discussion and participate otherwise as a group member. At these times, the leader must be careful to step aside from the role of leader and signal participation as an equal, not a dominant voice.)

Concerns of Individuals That May Affect Their Participation

How do I fit in? Will others listen to me? Am I the only one who doesn't know everyone else? How can I work with people with such different backgrounds and expericnce?
Who will make the decisions? How much influence can I have?
What do I have to offer to the group? Does everyone know more than I do? Does anyone know anything, or will I have to do most of the work myself?

Characteristics of a Group that is Performing Effectively

All members have a chance to express themselves and to influence the group's decisions. All contributions are listened to carefully, and strong points acknowledged. Everyone realizes that the job could not be done without the cooperation and contribution of everyone else.
Differences are dealt with directly with the person or people involved. The group identifies all disagreements, hears everyone's views and tries to come to an agreement that makes sense to everyone. Even when a group decision is not liked by someone, that person will follow through on it with the group.
The group encourages everyone to take responsibility, and hard work is recognized. When things are not going well, everyone makes an effort to help each other. There is a shared sense of pride and accomplishment.

Focusing on a Direction

After a large number of ideas have been generated and listed (e.g. on the board), the group can categorize and examine them. Then the group should agree on a process for choosing from among the ideas. Advantages and disadvantages of different plans can be listed and then voted on. Some possibilities can be eliminated through a straw vote (each group member could have 2 or 3 votes). Or all group members could vote for their first, second, and third choices. Alternatively, criteria for a successful plan can be listed, and different alternatives can be voted on based on the criteria, one by one.

Categorizing and evaluating ideas

We have about 20 ideas here. Can we sort them into a few general categories?
When we evaluate each others' ideas, can we mention some positive aspects before expressing concerns?
Could you give us an example of what you mean?
Who has dealt with this kind of problem before?
What are the pluses of that approach? The minuses?
We have two basic choices. Let's brainstorm. First let's look at the advantages of the first choice, then the disadvantages.
Let's try ranking these ideas in priority order. The group should try to come to an agreement that makes sense to everyone.

Making a decision

After everyone's views are heard and all points of agreement and disagreement are identified, the group should try to arrive at an agreement that makes sense to everyone.

There seems to be some agreement here. Is there anyone who couldn't live with solution #2?
Are there any objections to going that way?
You still seem to have worries about this solution. Is there anything that could be added or taken away to make it more acceptable? We're doing fine. We've agreed on a great deal. Let's stay with this and see if we can work this last issue through.
It looks as if there are still some major points of disagreement. Can we go back and define what those issues are and work on them rather than forcing a decision now.

How People Function in Groups

If a group is functioning well, work is getting done and constructive group processes are creating a positive atmosphere. In good groups the individuals may contribute differently at different times. They cooperate and human relationships are respected. This may happen automatically or individuals, at different times, can make it their job to maintain the atmospbere and human aspects of the group.

Roles That Contribute to the Work

Initiating —taking the initiative, at any time; for example, convening the group, suggesting procedures, changing direction, providing new energy and ideas. (How about if we.... What would happen if... ?)

Seeking information or opinions —requesting facts, preferences, suggestions and ideas. (Could you say a little more about... Would you say this is a more workable idea than that?)

Giving information or opinions —providing facts, data, information from research or experience. (ln my experience I have seen... May I tell you what I found out about...? )

Questioning —stepping back from what is happening and challenging the group or asking other specific questions about the task. (Are we assuming that... ? Would the consequence of this be... ?)

Clarifying —interpreting ideas or suggestions, clearing up confusions, defining terms or asking others to clarify. This role can relate different contributions from different people, and link up ideas that seem unconnected. (lt seems that you are saying... Doesn't this relate to what [name] was saying earlier?)

Summarizing —putting contributions into a pattern, while adding no new information. This role is important if a group gets stuck. Some groups officially appoint a summarizer for this potentially powerful and influential role. (If we take all these pieces and put them together... Here's what I think we have agreed upon so far... Here are our areas of disagreement...)

Roles That Contribute to the Atmosphere

Supporting —remembering others' remarks, being encouraging and responsive to others. Creating a warm, encouraging atmosphere, and making people feel they belong helps the group handle stresses and strains. People can gesture, smile, and make eye-contact without saying a word. Some silence can be supportive for people who are not native speakers of English by allowing them a chance to get into discussion. (I understand what you are getting at...As [name] was just saying...)

Observing —noticing the dynamics of the group and commenting. Asking if others agree or if they see things differently can be an effective way to identify problems as they arise. (We seem to be stuck... Maybe we are done for now, we are all worn out... As I see it, what happened just a minute ago.. Do you agree?)

Mediating —recognizing disagreements and figuring out what is behind the differences. When people focus on real differences, that may lead to striking a balance or devising ways to accommodate different values, views, and approaches. (I think the two of you are coming at this from completely different points of view... Wait a minute. This is how [name/ sees the problem. Can you see why she may see it differently?)

Reconciling —reconciling disagreements. Emphasizing shared views among members can reduce tension. (The goal of these two strategies is the same, only the means are different… Is there anything that these positions have in common?)

Compromising —yielding a position or modifying opinions. This can help move the group forward. (Everyone else seems to agree on this, so I'll go along with... I think if I give in on this, we could reach a decision.)

Making a personal comment —occasional personal comments, especially as they relate to the work. Statements about one's life are often discouraged in professional settings; this may be a mistake since personal comments can strengthen a group by making people feel human with a lot in common.

Humor —funny remarks or good-natured comments. Humor, if it is genuinely good-natured and not cutting, can be very effective in relieving tension or dealing with participants who dominate or put down others. Humor can be used constructively to make the work more acceptable by providing a welcome break from concentration. It may also bring people closer together, and make the work more fun.

All the positive roles turn the group into an energetic, productive enterprise. People who have not reflected on these roles may misunderstand the motives and actions of people working in a group. If someone other than the leader initiates ideas, some may view it as an attempt to take power from the leader. Asking questions may similarly be seen as defying authority or slowing down the work of the group. Personal anecdotes may be thought of as trivializing the discussion. Leaders who understand the importance of these many roles can allow and encourage them as positive contributions to group dynamics. Roles that contribute to the work give the group a sense of direction and achievement. Roles contributing to the human atmosphere give the group a sense of cooperation and goodwill.

Some Common Problems (and Some Solutions)

Floundering —While people are still figuring out the work and their role in the group, the group may experience false starts and circular discussions, and decisions may be postponed.

Here's my understanding of what we are trying to accomplish... Do we all agree?
What would help us move forward: data? resources?
Let's take a few minutes to hear everyone's suggestions about how this process might work better and what we should do next.

Dominating or reluctant participants —Some people might take more than their share of the discussion by talking too often, asserting superiority, telling lengthy stories, or not letting others finish. Sometimes humor can be used to discourage people from dominating. Others may rarely speak because they have difficulty getting in the conversation. Sometimes looking at people who don't speak can be a non-verbal way to include them. Asking quiet participants for their thoughts outside the group may lead to their participation within the group.

How would we state the general problem? Could we leave out the details for a moment? Could we structure this part of the discussion by taking turns and hearing what everyone has to say?
Let's check in with each other about how the process is working: Is everyone contributing to discussions? Can discussions be managed differently so we can all participate? Are we all listening to each other?

Digressions and tangents —Too many interesting side stories can be obstacles to group progress. It may be time to take another look at the agenda and assign time estimates to items. Try to summarize where the discussion was before the digression. Or, consider whether there is something making the topic easy to avoid.

Can we go back to where we were a few minutes ago and see what we were trying to do ?
Is there something about the topic itself that makes it difficult to stick to?

Getting Stuck —Too little progress can get a group down. It may be time for a short break or a change in focus. However, occasionally when a group feels that it is not making progress, a solution emerges if people simply stay with the issue.

What are the things that are helping us solve this problem? What's preventing us from solving this problem?
I understand that some of you doubt whether anything new will happen if we work on this problem. Are we willing to give it a try for the next fifteen minutes?

Rush to work —Usually one person in the group is less patient and more action-oriented than the others. This person may reach a decision more quickly than the others and then pressure the group to move on before others are ready.

Are we all ready-to make a decision on this?
What needs to be done before we can move ahead?
Let's go around and see where everyone stands on this.

Feuds —Occasionally a conflict (having nothing to do with the subject of the group) carries over into the group and impedes its work. It may be that feuding parties will not be able to focus until the viewpoint of each is heard. Then they must be encouraged to lay the issue aside.

So, what you are saying is... And what you are saying is... How is that related to the work here?
If we continue too long on this, we won't be able to get our work done. Can we agree on a time limit and then go on?

For more information...

James Lang, " Why Students Hate Group Projects (and How to Change That) ," The Chronicle of Higher Education (17 June 2022).

Hodges, Linda C. " Contemporary Issues in Group Learning in Undergraduate Science Classrooms: A Perspective from Student Engagement ," CBE—Life Sciences Education 17.2 (2018): es3.

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Top 10 benefits of Assignments

Recognizable Benefits of Assignments

No matter how reluctant you are to do them, assignments are necessary for a student's life. Carry on if you want to learn the ten advantages of writing assignments , which will assist you, comprehend the significance of coursework and why, if you have not even begun, you should finish them right away These numeric pointers would associate with the provision of the valid information as necessarily required:

Practice and Discipline are assessed through assignments: The projects and the entire assignment preparation process in general assist you in developing more schedule adherence and discipline. Your body and thoughts become accustomed to the same routine when you have a regular study period or a predetermined plan for completing homework. This kind of training is beneficial for your academic career and beyond.
Management of academic skills is structured: In all but the most obscure professions, management skills are essential. Another major advantage of projects is that you will gain management skills, regardless of whether you intend to pursue a management degree later. It is more difficult to complete assignments than it is to move from one place to another.
Networking among students is substantiated: Professionals connect via networking and exchanging knowledge, but this does not imply that this is the only way to communicate in a professional setting. However, building a network of contacts is crucial for your future professional success. A community of like-minded people from various academic disciplines also offers more potential for creativity.
Cultivation of private space for study: The task of suggesting that information belongs to you and that is precisely what you require for idea comprehension. You may receive assistance from classmates and your web resources . You can create a relaxing study space while working on your tasks, which will increase your productivity.
More learning in a traditional way is induced: The fact that assignments cut down on screen time is an additional advantage. Among the 1200 students that participated in these studies, more than 80% of adolescents claimed to be dependent on their phones. It's a sizable number, and you could be one of such students.
Problem-solving skills are developed: One of the top abilities that employers look for in a candidate is the ability to solve problems, therefore you should practice this skill before you interviewed for a work or study position . As you are given tasks that call for the knowledge you gained in the classroom but not precisely; you will be required to suggest the knowledge, assignments make it easier for you to build these skills.
Revision of the course leanings and material: The greatest thing to do when concentrating on your assignment is to examine the course information subconsciously; this is beneficial from an exam perspective. It is necessary to review lecture notes , manuals, and other teaching materials when conducting research for a project.
Improvement of overall grades for the course: You will review your course material following the prior statement by reading and reviewing, which also assists you to get ready for upcoming lectures. Tasks increase student engagement in class and ease socially awkward students into speaking in front of the class.
Exploration beyond the classroom setting: Every student in a university context participates in classroom learning . Nonetheless, assignments give students room to learn outside of the classroom. By completing the numerous types of projects you will be expected to do, you will have the opportunity to investigate ideas that go above and beyond the curriculum.
Prioritizing the task is considered: You may learn the skill of completing tasks and achieving deadlines by focusing on your tasks. If you understand how to concentrate, you can do practically anything. You will always know when and what to work as well as when you should unwind, so you will not ever be overworked.

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The Writing Center • University of North Carolina at Chapel Hill

Understanding Assignments

What this handout is about.

The first step in any successful college writing venture is reading the assignment. While this sounds like a simple task, it can be a tough one. This handout will help you unravel your assignment and begin to craft an effective response. Much of the following advice will involve translating typical assignment terms and practices into meaningful clues to the type of writing your instructor expects. See our short video for more tips.

Basic beginnings

Regardless of the assignment, department, or instructor, adopting these two habits will serve you well :

Read the assignment carefully as soon as you receive it. Do not put this task off—reading the assignment at the beginning will save you time, stress, and problems later. An assignment can look pretty straightforward at first, particularly if the instructor has provided lots of information. That does not mean it will not take time and effort to complete; you may even have to learn a new skill to complete the assignment.
Ask the instructor about anything you do not understand. Do not hesitate to approach your instructor. Instructors would prefer to set you straight before you hand the paper in. That’s also when you will find their feedback most useful.

Assignment formats

Many assignments follow a basic format. Assignments often begin with an overview of the topic, include a central verb or verbs that describe the task, and offer some additional suggestions, questions, or prompts to get you started.

An Overview of Some Kind

The instructor might set the stage with some general discussion of the subject of the assignment, introduce the topic, or remind you of something pertinent that you have discussed in class. For example:

“Throughout history, gerbils have played a key role in politics,” or “In the last few weeks of class, we have focused on the evening wear of the housefly …”

The Task of the Assignment

Pay attention; this part tells you what to do when you write the paper. Look for the key verb or verbs in the sentence. Words like analyze, summarize, or compare direct you to think about your topic in a certain way. Also pay attention to words such as how, what, when, where, and why; these words guide your attention toward specific information. (See the section in this handout titled “Key Terms” for more information.)

“Analyze the effect that gerbils had on the Russian Revolution”, or “Suggest an interpretation of housefly undergarments that differs from Darwin’s.”

Additional Material to Think about

Here you will find some questions to use as springboards as you begin to think about the topic. Instructors usually include these questions as suggestions rather than requirements. Do not feel compelled to answer every question unless the instructor asks you to do so. Pay attention to the order of the questions. Sometimes they suggest the thinking process your instructor imagines you will need to follow to begin thinking about the topic.

“You may wish to consider the differing views held by Communist gerbils vs. Monarchist gerbils, or Can there be such a thing as ‘the housefly garment industry’ or is it just a home-based craft?”

These are the instructor’s comments about writing expectations:

“Be concise”, “Write effectively”, or “Argue furiously.”

Technical Details

These instructions usually indicate format rules or guidelines.

“Your paper must be typed in Palatino font on gray paper and must not exceed 600 pages. It is due on the anniversary of Mao Tse-tung’s death.”

The assignment’s parts may not appear in exactly this order, and each part may be very long or really short. Nonetheless, being aware of this standard pattern can help you understand what your instructor wants you to do.

Interpreting the assignment

Ask yourself a few basic questions as you read and jot down the answers on the assignment sheet:

Why did your instructor ask you to do this particular task?

Who is your audience.

What kind of evidence do you need to support your ideas?

What kind of writing style is acceptable?

What are the absolute rules of the paper?

Try to look at the question from the point of view of the instructor. Recognize that your instructor has a reason for giving you this assignment and for giving it to you at a particular point in the semester. In every assignment, the instructor has a challenge for you. This challenge could be anything from demonstrating an ability to think clearly to demonstrating an ability to use the library. See the assignment not as a vague suggestion of what to do but as an opportunity to show that you can handle the course material as directed. Paper assignments give you more than a topic to discuss—they ask you to do something with the topic. Keep reminding yourself of that. Be careful to avoid the other extreme as well: do not read more into the assignment than what is there.

Of course, your instructor has given you an assignment so that they will be able to assess your understanding of the course material and give you an appropriate grade. But there is more to it than that. Your instructor has tried to design a learning experience of some kind. Your instructor wants you to think about something in a particular way for a particular reason. If you read the course description at the beginning of your syllabus, review the assigned readings, and consider the assignment itself, you may begin to see the plan, purpose, or approach to the subject matter that your instructor has created for you. If you still aren’t sure of the assignment’s goals, try asking the instructor. For help with this, see our handout on getting feedback .

Given your instructor’s efforts, it helps to answer the question: What is my purpose in completing this assignment? Is it to gather research from a variety of outside sources and present a coherent picture? Is it to take material I have been learning in class and apply it to a new situation? Is it to prove a point one way or another? Key words from the assignment can help you figure this out. Look for key terms in the form of active verbs that tell you what to do.

Key Terms: Finding Those Active Verbs

Here are some common key words and definitions to help you think about assignment terms:

Information words Ask you to demonstrate what you know about the subject, such as who, what, when, where, how, and why.

define —give the subject’s meaning (according to someone or something). Sometimes you have to give more than one view on the subject’s meaning
describe —provide details about the subject by answering question words (such as who, what, when, where, how, and why); you might also give details related to the five senses (what you see, hear, feel, taste, and smell)
explain —give reasons why or examples of how something happened
illustrate —give descriptive examples of the subject and show how each is connected with the subject
summarize —briefly list the important ideas you learned about the subject
trace —outline how something has changed or developed from an earlier time to its current form
research —gather material from outside sources about the subject, often with the implication or requirement that you will analyze what you have found

Relation words Ask you to demonstrate how things are connected.

compare —show how two or more things are similar (and, sometimes, different)
contrast —show how two or more things are dissimilar
apply —use details that you’ve been given to demonstrate how an idea, theory, or concept works in a particular situation
cause —show how one event or series of events made something else happen
relate —show or describe the connections between things

Interpretation words Ask you to defend ideas of your own about the subject. Do not see these words as requesting opinion alone (unless the assignment specifically says so), but as requiring opinion that is supported by concrete evidence. Remember examples, principles, definitions, or concepts from class or research and use them in your interpretation.

assess —summarize your opinion of the subject and measure it against something
prove, justify —give reasons or examples to demonstrate how or why something is the truth
evaluate, respond —state your opinion of the subject as good, bad, or some combination of the two, with examples and reasons
support —give reasons or evidence for something you believe (be sure to state clearly what it is that you believe)
synthesize —put two or more things together that have not been put together in class or in your readings before; do not just summarize one and then the other and say that they are similar or different—you must provide a reason for putting them together that runs all the way through the paper
analyze —determine how individual parts create or relate to the whole, figure out how something works, what it might mean, or why it is important
argue —take a side and defend it with evidence against the other side

More Clues to Your Purpose As you read the assignment, think about what the teacher does in class:

What kinds of textbooks or coursepack did your instructor choose for the course—ones that provide background information, explain theories or perspectives, or argue a point of view?
In lecture, does your instructor ask your opinion, try to prove their point of view, or use keywords that show up again in the assignment?
What kinds of assignments are typical in this discipline? Social science classes often expect more research. Humanities classes thrive on interpretation and analysis.
How do the assignments, readings, and lectures work together in the course? Instructors spend time designing courses, sometimes even arguing with their peers about the most effective course materials. Figuring out the overall design to the course will help you understand what each assignment is meant to achieve.

Now, what about your reader? Most undergraduates think of their audience as the instructor. True, your instructor is a good person to keep in mind as you write. But for the purposes of a good paper, think of your audience as someone like your roommate: smart enough to understand a clear, logical argument, but not someone who already knows exactly what is going on in your particular paper. Remember, even if the instructor knows everything there is to know about your paper topic, they still have to read your paper and assess your understanding. In other words, teach the material to your reader.

Aiming a paper at your audience happens in two ways: you make decisions about the tone and the level of information you want to convey.

Tone means the “voice” of your paper. Should you be chatty, formal, or objective? Usually you will find some happy medium—you do not want to alienate your reader by sounding condescending or superior, but you do not want to, um, like, totally wig on the man, you know? Eschew ostentatious erudition: some students think the way to sound academic is to use big words. Be careful—you can sound ridiculous, especially if you use the wrong big words.
The level of information you use depends on who you think your audience is. If you imagine your audience as your instructor and they already know everything you have to say, you may find yourself leaving out key information that can cause your argument to be unconvincing and illogical. But you do not have to explain every single word or issue. If you are telling your roommate what happened on your favorite science fiction TV show last night, you do not say, “First a dark-haired white man of average height, wearing a suit and carrying a flashlight, walked into the room. Then a purple alien with fifteen arms and at least three eyes turned around. Then the man smiled slightly. In the background, you could hear a clock ticking. The room was fairly dark and had at least two windows that I saw.” You also do not say, “This guy found some aliens. The end.” Find some balance of useful details that support your main point.

You’ll find a much more detailed discussion of these concepts in our handout on audience .

The Grim Truth

With a few exceptions (including some lab and ethnography reports), you are probably being asked to make an argument. You must convince your audience. It is easy to forget this aim when you are researching and writing; as you become involved in your subject matter, you may become enmeshed in the details and focus on learning or simply telling the information you have found. You need to do more than just repeat what you have read. Your writing should have a point, and you should be able to say it in a sentence. Sometimes instructors call this sentence a “thesis” or a “claim.”

So, if your instructor tells you to write about some aspect of oral hygiene, you do not want to just list: “First, you brush your teeth with a soft brush and some peanut butter. Then, you floss with unwaxed, bologna-flavored string. Finally, gargle with bourbon.” Instead, you could say, “Of all the oral cleaning methods, sandblasting removes the most plaque. Therefore it should be recommended by the American Dental Association.” Or, “From an aesthetic perspective, moldy teeth can be quite charming. However, their joys are short-lived.”

Convincing the reader of your argument is the goal of academic writing. It doesn’t have to say “argument” anywhere in the assignment for you to need one. Look at the assignment and think about what kind of argument you could make about it instead of just seeing it as a checklist of information you have to present. For help with understanding the role of argument in academic writing, see our handout on argument .

What kind of evidence do you need?

There are many kinds of evidence, and what type of evidence will work for your assignment can depend on several factors–the discipline, the parameters of the assignment, and your instructor’s preference. Should you use statistics? Historical examples? Do you need to conduct your own experiment? Can you rely on personal experience? See our handout on evidence for suggestions on how to use evidence appropriately.

Make sure you are clear about this part of the assignment, because your use of evidence will be crucial in writing a successful paper. You are not just learning how to argue; you are learning how to argue with specific types of materials and ideas. Ask your instructor what counts as acceptable evidence. You can also ask a librarian for help. No matter what kind of evidence you use, be sure to cite it correctly—see the UNC Libraries citation tutorial .

You cannot always tell from the assignment just what sort of writing style your instructor expects. The instructor may be really laid back in class but still expect you to sound formal in writing. Or the instructor may be fairly formal in class and ask you to write a reflection paper where you need to use “I” and speak from your own experience.

Try to avoid false associations of a particular field with a style (“art historians like wacky creativity,” or “political scientists are boring and just give facts”) and look instead to the types of readings you have been given in class. No one expects you to write like Plato—just use the readings as a guide for what is standard or preferable to your instructor. When in doubt, ask your instructor about the level of formality they expect.

No matter what field you are writing for or what facts you are including, if you do not write so that your reader can understand your main idea, you have wasted your time. So make clarity your main goal. For specific help with style, see our handout on style .

Technical details about the assignment

The technical information you are given in an assignment always seems like the easy part. This section can actually give you lots of little hints about approaching the task. Find out if elements such as page length and citation format (see the UNC Libraries citation tutorial ) are negotiable. Some professors do not have strong preferences as long as you are consistent and fully answer the assignment. Some professors are very specific and will deduct big points for deviations.

Usually, the page length tells you something important: The instructor thinks the size of the paper is appropriate to the assignment’s parameters. In plain English, your instructor is telling you how many pages it should take for you to answer the question as fully as you are expected to. So if an assignment is two pages long, you cannot pad your paper with examples or reword your main idea several times. Hit your one point early, defend it with the clearest example, and finish quickly. If an assignment is ten pages long, you can be more complex in your main points and examples—and if you can only produce five pages for that assignment, you need to see someone for help—as soon as possible.

Tricks that don’t work

Your instructors are not fooled when you:

spend more time on the cover page than the essay —graphics, cool binders, and cute titles are no replacement for a well-written paper.
use huge fonts, wide margins, or extra spacing to pad the page length —these tricks are immediately obvious to the eye. Most instructors use the same word processor you do. They know what’s possible. Such tactics are especially damning when the instructor has a stack of 60 papers to grade and yours is the only one that low-flying airplane pilots could read.
use a paper from another class that covered “sort of similar” material . Again, the instructor has a particular task for you to fulfill in the assignment that usually relates to course material and lectures. Your other paper may not cover this material, and turning in the same paper for more than one course may constitute an Honor Code violation . Ask the instructor—it can’t hurt.
get all wacky and “creative” before you answer the question . Showing that you are able to think beyond the boundaries of a simple assignment can be good, but you must do what the assignment calls for first. Again, check with your instructor. A humorous tone can be refreshing for someone grading a stack of papers, but it will not get you a good grade if you have not fulfilled the task.

Critical reading of assignments leads to skills in other types of reading and writing. If you get good at figuring out what the real goals of assignments are, you are going to be better at understanding the goals of all of your classes and fields of study.

You may reproduce it for non-commercial use if you use the entire handout and attribute the source: The Writing Center, University of North Carolina at Chapel Hill

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Assignment of benefits

Assignment of benefits is an agreement that gives your claims benefits to someone else.

What is an assignment of benefits?

An assignment of benefits (or AOB for short) is an agreement that gives your claims benefits, and in some instances complete control of your claim, to someone else. It’s usually used so that a contractor can "stand in your shoes" and file a claim, make decisions about repairs, and collect insurance payments from your insurance company directly for covered repairs. In some states, the contractor will even file a lawsuit against your insurer as your assignee.

Why do homeowners agree to an assignment of benefits?

Homeowners may sign an assignment of benefits form because they think it’s more convenient and efficient than dealing with the claims process firsthand.

Once a contractor has been assigned your benefits, they tell the insurance company what work they believe is required and negotiate the claim. For example, say you have a water leak in the house. You call a home restoration company to stop the water flow, clean up the mess, and restore your home to its former glory. The restoration company may ask for an assignment of benefits so it can deal directly with the insurance company without your input. That may sound like a relief at first glance – someone else can deal with all that!

But signing away your rights in the claims process may not be worth the risk.

Assignment of benefits in Florida: a case of rampant fraud

Because the assignment of benefits takes control out of the homeowner’s hands, insurance fraud is a major concern. Some contractors may take advantage of the situation and inflate repair needs and costs or bill for work that was never completed. They may also hire attorneys to sue the insurance company if it does not pay the full amount of their estimate or denies claims.

These lawsuits became a huge problem in Florida – by 2018, there were 135,000 AOB lawsuits , a 70 percent increase in 15 years. On the whole, the FBI estimates fraudulent claims account for nearly $6 billion of the $80 billion appropriated for post-hurricane reconstruction.

Florida eventually passed a bill in 2019 to curb the abuse of the assignment of benefits.

Ultimately, AOB fraud hurts homeowners the most. It increases homeowners insurance rates across the board, and you may be stuck with incomplete work and no recourse.

What responsibilities does the AOB contractor have?

Once you sign an AOB, a contractor has full power to make all decisions about the claim without consulting you. The assignment of benefits gives contractors the ability to:

File the insurance claim .
Work directly with insurance claims adjusters.
Make repair decisions.
Complete repairs.
Directly bill the insurance carrier for all work completed.
Sue your insurance company regarding your claim.

Sometimes the assignment of benefits limits the scope of the work the contractor was hired for. For example, say your home has a leaky pipe. You may hire a plumber to fix the leak, a remediation company to dry the walls and carpet, and a general contractor to replace the bathroom cabinets. Each of the three contractors may have a respective assignment of benefits for their part of the job.

How assignment of benefits impact homeowners

Under some circumstances, an assignment of benefits agreement could work out for homeowners who don’t want to handle their insurance claim. If the contractor is reputable, performs the work, and knows what information the insurance company needs, it can be a big help.

For example:

The claims adjuster will work directly with the contractor.
The contractor would handle remediation and repairs.
The contractor would bill the insurance company, not the homeowner.

AOB arrangements only work for covered damage in need of repair. If you must replace belongings or appliances, you’d still need to work directly with your insurer and payments would go to you.

Protecting yourself in an assignment of benefits agreement

Don’t sign an assignment of benefits agreement right off the bat. Before you hire any contractor:

Get multiple quotes.
Check references, licenses, and their insurance.
Get written estimates for potential work.
Get a guarantee to back the workmanship.
Make sure you get to approve the completed work.
Request copies of all paperwork sent to your insurance company.
Require that the contractor show you the documents you are actually signing.

You might be tempted to hire the first contractor you find, but you save yourself headaches if you do some due diligence before signing an assignment of benefits. Great contractors use this to expedite repairs and spare you some work. Take a beat to find that great contractor.

Practice Areas

Retirement Planning

Assignment of Benefits: What You Need to Know

August 17, 2022
Steven Schwartzapfel

Insurance can be useful, but dealing with the back-and-forth between insurance companies and contractors, medical specialists, and others can be a time-consuming and ultimately unpleasant experience. You want your medical bills to be paid without having to act as a middleman between your healthcare provider and your insurer.

However, there’s a way you can streamline this process. With an assignment of benefits, you can designate your healthcare provider or any other insurance payout recipient as the go-to party for insurance claims. While this can be convenient, there are certain risks to keep in mind as well.

Below, we’ll explore what an assignment of insurance benefits is (as well as other forms of remediation), how it works, and when you should employ it. For more information, or to learn whether you may have a claim against an insurer, contact Schwartzapfel Lawyers now at 1-516-342-2200 .

What Is an Assignment of Benefits?

An assignment of benefits (AOB) is a legal process through which an insured individual or party signs paperwork that designates another party like a contractor, company, or healthcare provider as their insurance claimant .

Suppose you’re injured in a car accident and need to file a claim with your health insurance company for medical bills and related costs. However, you also need plenty of time to recover. The thought of constantly negotiating between your insurance company, your healthcare provider, and anyone else seems draining and unwelcome.

With an assignment of benefits, you can designate your healthcare provider as your insurance claimant. Then, your healthcare provider can request insurance payouts from your healthcare insurance provider directly.

Through this system, the health insurance provider directly pays your physician or hospital rather than paying you. This means you don’t have to pay your healthcare provider. It’s a streamlined, straightforward way to make sure insurance money gets where it needs to go. It also saves you time and prevents you from having to think about insurance payments unless absolutely necessary.

What Does an Assignment of Benefits Mean?

An AOB means that you designate another party as your insurance claimant. In the above example, that’s your healthcare provider, which could be a physician, hospital, or other organization.

With the assignment of insurance coverage, that healthcare provider can then make a claim for insurance payments directly to your insurance company. The insurance company then pays your healthcare provider directly, and you’re removed as the middleman.

As a bonus, this system sometimes cuts down on your overall costs by eliminating certain service fees. Since there’s only one transaction — the transaction between your healthcare provider and your health insurer — there’s only one set of service fees to contend with. You don’t have to deal with two sets of service fees from first receiving money from your insurance provider, then sending that money to your healthcare provider.

Ultimately, the point of an assignment of benefits is to make things easier for you, your insurer, and anyone else involved in the process.

What Types of Insurance Qualify for an Assignment of Benefits?

Most types of commonly held insurance can work with an assignment of benefits. These insurance types include car insurance, healthcare insurance, homeowners insurance, property insurance, and more.

Note that not all insurance companies allow you to use an assignment of benefits. For an assignment of benefits to work, the potential insurance claimant and the insurance company in question must each sign the paperwork and agree to the arrangement. This prevents fraud (to some extent) and ensures that every party goes into the arrangement with clear expectations.

If your insurance company does not accept assignments of benefits, you’ll have to take care of insurance payments the traditional way. There are many reasons why an insurance company may not accept an assignment of benefits.

To speak with a Schwartzapfel Lawyers expert about this directly, call 1-516-342-2200 for a free consultation today. It will be our privilege to assist you with all your legal questions, needs, and recovery efforts.

Who Uses Assignments of Benefits?

Many providers, services, and contractors use assignments of benefits. It’s often in their interests to accept an assignment of benefits since they can get paid for their work more quickly and make critical decisions without having to consult the insurance policyholder first.

Imagine a circumstance in which a homeowner wants a contractor to add a new room to their property. The contractor knows that the scale of the project could increase or shrink depending on the specifics of the job, the weather, and other factors.

If the homeowner uses an assignment of benefits to give the contractor rights to make insurance claims for the project, that contractor can then:

Bill the insurer directly for their work. This is beneficial since it ensures that the contractor’s employees get paid promptly and they can purchase the supplies they need.
Make important decisions to ensure that the project completes on time. For example, a contract can authorize another insurance claim for extra supplies without consulting with the homeowner beforehand, saving time and potentially money in the process.

Practically any company or organization that receives payments from insurance companies may choose to take advantage of an assignment of benefits with you. Example companies and providers include:

Ambulance services
Drug and biological companies
Lab diagnostic services
Hospitals and medical centers like clinics
Certified medical professionals such as nurse anesthetists, nurse midwives, clinical psychologists, and others
Ambulatory surgical center services
Permanent repair and improvement contractors like carpenters, plumbers, roofers, restoration companies, and others
Auto repair shops and mechanic organizations

Advantages of Using an Assignment of Benefits

An assignment of benefits can be an advantageous contract to employ, especially if you believe that you’ll need to pay a contractor, healthcare provider, and/or other organization via insurance payouts regularly for the near future.

These benefits include but are not limited to:

Save time for yourself. Again, imagine a circumstance in which you are hospitalized and have to pay your healthcare provider through your health insurance payouts. If you use an assignment of benefits, you don’t have to make the payments personally or oversee the insurance payouts. Instead, you can focus on resting and recovering.
Possibly save yourself money in the long run. As noted above, an assignment of benefits can help you circumvent some service fees by limiting the number of transactions or money transfers required to ensure everyone is paid on time.
Increased peace of mind. Many people don’t like having to constantly think about insurance payouts, contacting their insurance company, or negotiating between insurers and contractors/providers. With an assignment of benefits, you can let your insurance company and a contractor or provider work things out between them, though this can lead to applications later down the road.

Because of these benefits, many recovering individuals, car accident victims, homeowners, and others utilize AOB agreements from time to time.

Risks of Using an Assignment of Benefits

Worth mentioning, too, is that an assignment of benefits does carry certain risks you should be aware of before presenting this contract to your insurance company or a contractor or provider. Remember, an assignment of benefits is a legally binding contract unless it is otherwise dissolved (which is technically possible).

The risks of using an assignment of benefits include:

You give billing control to your healthcare provider, contractor, or another party. This allows them to bill your insurance company for charges that you might not find necessary. For example, a home improvement contractor might bill a homeowner’s insurance company for an unnecessary material or improvement. The homeowner only finds out after the fact and after all the money has been paid, resulting in a higher premium for their insurance policy or more fees than they expected.
You allow a contractor or service provider to sue your insurance company if the insurer does not want to pay for a certain service or bill. This can happen if the insurance company and contractor or service provider disagree on one or another billable item. Then, you may be dragged into litigation or arbitration you did not agree to in the first place.
You may lose track of what your insurance company pays for various services . As such, you could be surprised if your health insurance or other insurance premiums and deductibles increase suddenly.

Given these disadvantages, it’s still wise to keep track of insurance payments even if you choose to use an assignment of benefits. For example, you might request that your insurance company keep you up to date on all billable items a contractor or service provider charges for the duration of your treatment or project.

For more on this and related topic, call Schwartzapfel Lawyers now at 1-516-342-2200 .

How To Make Sure an Assignment of Benefits Is Safe

Even though AOBs do carry potential disadvantages, there are ways to make sure that your chosen contract is safe and legally airtight. First, it’s generally a wise idea to contact knowledgeable legal representatives so they can look over your paperwork and ensure that any given assignment of benefits doesn’t contain any loopholes that could be exploited by a service provider or contractor.

The right lawyer can also make sure that an assignment of benefits is legally binding for your insurance provider. To make sure an assignment of benefits is safe, you should perform the following steps:

Always check for reviews and references before hiring a contractor or service provider, especially if you plan to use an AOB ahead of time. For example, you should stay away if a contractor has a reputation for abusing insurance claims.
Always get several estimates for work, repairs, or bills. Then, you can compare the estimated bills and see whether one contractor or service provider is likely to be honest about their charges.
Get all estimates, payment schedules, and project schedules in writing so you can refer back to them later on.
Don’t let a service provider or contractor pressure you into hiring them for any reason . If they seem overly excited about getting started, they could be trying to rush things along or get you to sign an AOB so that they can start issuing charges to your insurance company.
Read your assignment of benefits contract fully. Make sure that there aren’t any legal loopholes that a contractor or service provider can take advantage of. An experienced lawyer can help you draft and sign a beneficial AOB contract.

Can You Sue a Party for Abusing an Assignment of Benefits?

Sometimes. If you believe your assignment of benefits is being abused by a contractor or service provider, you may be able to sue them for breaching your contract or even AOB fraud. However, successfully suing for insurance fraud of any kind is often difficult.

Also, you should remember that a contractor or service provider can sue your insurance company if the insurance carrier decides not to pay them. For example, if your insurer decides that a service provider is engaging in billing scams and no longer wishes to make payouts, this could put you in legal hot water.

If you’re not sure whether you have grounds for a lawsuit, contact Schwartzapfel Lawyers today at 1-516-342-2200 . At no charge, we’ll examine the details of your case and provide you with a consultation. Don’t wait. Call now!

Assignment of Benefits FAQs

Which states allow assignments of benefits.

Every state allows you to offer an assignment of benefits to a contractor and/or insurance company. That means, whether you live in New York, Florida, Arizona, California, or some other state, you can rest assured that AOBs are viable tools to streamline the insurance payout process.

Can You Revoke an Assignment of Benefits?

Yes. There may come a time when you need to revoke an assignment of benefits. This may be because you no longer want the provider or contractor to have control over your insurance claims, or because you want to switch providers/contractors.

To revoke an assignment of benefits agreement, you must notify the assignee (i.e., the new insurance claimant). A legally solid assignment of benefits contract should also include terms and rules for this decision. Once more, it’s usually a wise idea to have an experienced lawyer look over an assignment of benefits contract to make sure you don’t miss these by accident.

Contact Schwartzapfel Lawyers Today

An assignment of benefits is an invaluable tool when you need to streamline the insurance claims process. For example, you can designate your healthcare provider as your primary claimant with an assignment of benefits, allowing them to charge your insurance company directly for healthcare costs.

However, there are also risks associated with an assignment of benefits. If you believe a contractor or healthcare provider is charging your insurance company unfairly, you may need legal representatives. Schwartzapfel Lawyers can help.

As knowledgeable New York attorneys who are well-versed in New York insurance law, we’re ready to assist with any and all litigation needs. For a free case evaluation and consultation, contact Schwartzapfel Lawyers today at 1-516-342-2200 !

Schwartzapfel Lawyers, P.C. | Fighting For You™™

What Is an Insurance Claim? | Experian

What is assignment of benefits, and how does it impact insurers? | Insurance Business Mag

Florida Insurance Ruling Sets Precedent for Assignment of Benefits | Law.com

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Why You Should Take on More Stretch Assignments

Jahna Berry

Research shows the stakes are higher for marginalized communities, but the opportunity is usually worth it.

Stretch projects require skills or knowledge beyond your current level of development and are great opportunities to shine in a new arena. This is also why they can feel so scary, especially for workers at the intersections of race, class, gender, sexuality, or other dimensions of diversity. Research shows us that women, people of color, and members of the queer community are punished more heavily when they make mistakes. As a result, you may feel pressure to perform perfectly, and be less averse to taking on the risk of a stretch assignment. The good news is that handling this kind of unfamiliar work is a skill that you can learn and refine — and it’s a great way to advance your career. Here’s how to get started.

Shift your negative self-talk. When you’re feeling overwhelmed by self-doubt, pause, and take some time to reflect. Write down all of the times that you tried something new and figured it out. This will give your mind the “evidence” it needs to prove that you’re capable of taking on challenges.
Get clarity. At the very start of your project, seek to gain clarity around your manager’s expectations, important deadlines, specific goals you need to hit within those time frames, and any important stakeholders you need to keep in the loop along the way.
Do a listening tour. Schedule meetings with each of the key stakeholders your manager named. When reaching out, explain the project you’re leading and what information you want to learn from them. Use your meeting to do three things: communicate transparently that you are not an expert in the area yet, show sincerity that you are interested in learning more about it, and give the people who are experts a chance to showcase what they know.
Trust your gut. Don’t let your fear of failing overcome your intuition. Write down all of the times you had a hunch to do something, but against your better judgment, you didn’t do it. In the end, if you found yourself saying “I knew better,” that initial hunch was your intuition. Remember this feeling, and trust it the next time it comes around.

You raised your hand for a stretch project, and — congratulations! — you’ve bagged the assignment. As an emerging leader, you were hoping to show your drive and ambition, but now that you have the opportunity, you’re terrified.

JB Jahna Berry is an award-winning journalist and has written about leadership for Mother Jones and OpenNews. She was a featured speaker at events for the National Association of Gay and Lesbian Journalists, WIRED, University of Missouri’s School of Journalism, and the News Product Alliance. She is the Chief Operating Officer at Mother Jones.

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Consumer Insight

Sept. 13, 2023

Assignment of Benefits: Consumer Beware

You've just survived a severe storm, or a tornado and you've experienced some extensive damage to your home that requires repairs, including the roof. Your contractor is now asking for your permission to speak with your insurance company using an Assignment of Benefits. Before you sign, read the fine print. Otherwise, you may inadvertently sign over your benefits and any extra money you’re owed as part of your claim settlement.

The National Association of Insurance Commissioners (NAIC) offers information to help you better understand insurance, your risk and what to do in the event you need repairs after significant storm damage.

Be cautious about signing an Assignment of Benefits. An Assignment of Benefits, or an AOB, is an agreement signed by a policyholder that allows a third party—such as a water extraction company, a roofer or a plumber—to act on behalf of the insured and seek direct payment from the insurance company. An AOB can be a useful tool for getting repairs done, as it allows the repair company to deal directly with your insurance company when negotiating repairs and issuing payment directly to the repair company. However, an AOB is a legal contract, so you need to understand what rights you are signing away and you need to be sure the repair company is trustworthy.

With an Assignment of Benefits, the third party, like a roofing company or plumber, files your claim, makes the repair decision and collects insurance payments without your involvement.
Once you have signed an AOB, the insurer only communicates with the third party and the other party can sue your insurer and you can lose your right to mediation.
It's possible the third party may demand a higher claim payment than the insurer offers and then sue the insurer when it denies your claim.
You are not required to sign an AOB to have repairs completed. You can file a claim directly with your insurance company, which allows you to maintain control of the rights and benefits provided by your policy in resolving the claim.

Be on alert for fraud. Home repair fraud is common after a natural disaster. Contractors often come into disaster-struck regions looking to make quick money by taking advantage of victims.

It is a good idea to do business with local or trusted companies. Ask friends and family for references.
Your insurer may also have recommendations or a list of preferred contractors.
Always get more than one bid on work projects. Your adjuster may want to review estimates before you make repairs.

Immediately after the disaster, have an accurate account of the damage for your insurance company when you file a claim.

Before removing any debris or belongings, document all losses.
Take photos or video and make a list of the damages and lost items.
Save damaged items if possible so your insurer can inspect them, some insurance companies may have this as a requirement in their policy.

Most insurance companies have a time requirement for reporting a claim, so contact your agent or company as soon as possible. Your state insurance department can help you find contact information for your insurance company, if you cannot find it.

Insurance company officials can help you determine what damages are covered, start your claim and even issue a check to start the recovery process.
When reporting losses, you will need insurance information, current contact information and a home inventory or list of damaged and lost property . If you do not have a list, the adjuster will give you some time to make one. Ask the adjuster how much time you have to submit this inventory list. The NAIC Post Disaster Claims Guide has details on what you can do if you do not have a home inventory list.

After you report damage to your insurance company, they will send a claims adjuster to assess the damage at no cost to you . An adjuster from your insurance company will walk through and around your home to inspect damaged items and temporary repairs you may have made.

A public adjuster is different from an adjuster from your insurance company and has no ties to the insurance company.
They estimate the damage to your home and property, review your insurance coverage, and negotiate a settlement of the insurance claim for you.
Many states require public adjusters to be licensed. Some states prohibit public adjusters from negotiating insurance claims for you. In those states, only a licensed attorney can represent you.
You have to pay a public adjuster.
The NAIC Post Disaster Claims Guide has information on the different types of adjusters.

Once the adjuster has completed an assessment, they will provide documentation of the loss to your insurer to determine your claims settlement. When it comes to getting paid, you may receive more than one check. If the damage is severe or you are displaced from your home, the first check may be an emergency advance. Other payments may be for the contents of your home, other personal property, and structural damages. Please note that if there is a mortgage on your home, the payment for structural damage may be payable to you and your mortgage lender. Lenders may put that money into an escrow account and pay for repairs as the work is completed.

More information. States have rules governing how insurance companies handle claims. If you think that your insurer is not responding in a timely manner or completing a reasonable investigation of your claim, contact your state insurance department .

About the National Association of Insurance Commissioners

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.

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What is an assignment of benefits.

The last time you sought medical care, you likely made an appointment with your provider, got the treatment you needed, paid your copay or deductible, and that was it. No paperwork, no waiting to be reimbursed; your doctor received payment from your insurance company and you both went on with your lives.

This is how most people receive health care in the U.S. This system, known as assignment of benefits or AOB, is now being used with other types of insurance, including auto and homeowners coverage .

An AOB is a legal agreement that allows your insurance company to directly pay a third party for services performed on your behalf. In the case of health care, it could be your doctor or another medical professional providing care. With a homeowners, renters, or auto insurance claim, the third party could be a contractor, auto repair shop, or other facility.

Assignment of benefits is legal, thanks to a concept known as freedom of contract, which says two parties may make a private agreement, including the forfeiture of certain rights, and the government may not interfere. There are exceptions, making freedom of contract something less than an absolute right. For example, the contract may not violate the law or contain unfair terms.

Not all doctors or contractors utilize AOBs. Therefore, it’s a good idea to make sure the doctor or service provider and you are on the same page when it comes to AOBs before treatment or work begins.

How an AOB works

The function of an AOB agreement varies depending on the type of insurance policy involved, the healthcare provider, contractor, or service provider, and increasingly, state law. Although an AOB is normal in health insurance, other applications of assignment of benefits have now included the auto and homeowners insurance industry.

Because AOBs are common in health care, you probably don’t think twice about signing a piece of paper that says "assignment of benefits" across the top. But once you sign it, you’re likely turning over your right to deal with your insurance company regarding service from that provider. Why would you do this?

According to Dr. David Berg of Redirect Health, the reason is simple: “Without an AOB in place, the patient themselves would be responsible for paying the cost of their service and would then file a claim with their insurance company for reimbursement.”

With homeowners or auto insurance, the same rules apply. Once you sign the AOB, you are effectively out of the picture. The contractor who reroofs your house or the mechanic who rebuilds your engine works with your insurance company by filing a claim on your behalf and receiving their money without your help or involvement.

“Each state has its own rules, regulations, and permissions regarding AOBs,” says Gregg Barrett, founder and CEO of WaterStreet , a cloud-based P&C insurance administration platform. “Some states require a strict written breakdown of work to be done, while others allow assignment of only parts of claims.”

Within the guidelines of the specific insurance rules for AOBs in your state, the general steps include:

You and your contractor draw up an AOB clause as part of the contract.

The contract stipulates the exact work that will be completed and all necessary details.

The contractor sends the completed AOB to the insurance company where an adjuster reviews, asks questions, and resolves any discrepancies.

The contractor’s name (or that of an agreed-upon party) is listed to go on the settlement check.

After work is complete and signed off, the insurer will issue the check and the claim will be considered settled.

Example of an assignment of benefits

If you’re dealing with insurance, how would an AOB factor in? Let’s take an example. “Say you have a water leak in the house,” says Angel Conlin, chief insurance officer at Kin Insurance . “You call a home restoration company to stop the water flow, clean up the mess, and restore your home to its former glory. The restoration company may ask for an assignment of benefits so it can deal directly with the insurance company without your input.”

In this case, by eliminating the homeowner, whose interests are already represented by an experienced insurance adjustor, the AOB reduces redundancy, saves time and money, and allows the restoration process to proceed with much greater efficiency.

When would you need to use an assignment of benefits?

An AOB can simplify complicated and costly insurance transactions and allow you to turn these transactions over to trusted experts, thereby avoiding time-consuming negotiations.

An AOB also frees you from paying the entire bill upfront and seeking reimbursement from your insurance company after work has been completed or services rendered. Since you are not required to sign an assignment of benefits, failure to sign will result in you paying the entire medical bill and filing for reimbursement. The three most common uses of AOBs are with health insurance, car insurance, and homeowners insurance.

Assignment of benefits for health insurance

As discussed, AOBs in health insurance are commonplace. If you have health insurance, you’ve probably signed AOBs for years. Each provider (doctor) or practice requires a separate AOB. From your point of view, the big advantages of an AOB are that you receive medical care, your doctor and insurance company work out the details and, in the event of a disagreement, those two entities deal with each other.

Assignment of benefits for car owners

If your car is damaged in an accident and needs extensive repair, the benefits of an AOB can quickly add up. Not only will you have your automobile repaired with minimal upfront costs to you, inconvenience will be almost nonexistent. You drop your car off (or have it towed), wait to be called, told the repair is finished, and pick it up. Similar to a health care AOB, disagreements are worked out between the provider and insurer. You are usually not involved.

Assignment of benefits for homeowners

When your home or belongings are damaged or destroyed, your primary concern is to “return to normal.” You want to do this with the least amount of hassle. An AOB allows you to transfer your rights to a third party, usually a contractor, freeing you to deal with the crisis at hand.

When you sign an AOB, your contractor can begin immediately working on damage repair, shoring up against additional deterioration, and coordinating with various subcontractors without waiting for clearance or communication with you.

The fraud factor

No legal agreement, including an AOB, is free from the possibility of abuse or fraud. Built-in safeguards are essential to ensure the benefits you assign to a third party are as protected as possible.

In terms of what can and does go wrong, the answer is: plenty. According to the National Association of Mutual Insurance Companies (NAMICs), examples of AOB fraud include inflated invoices or charges for work that hasn’t been done. Another common tactic is to sue the insurance company, without the policyholder’s knowledge or consent, something that can ultimately result in the policyholder being stuck with the bill and higher insurance premiums due to losses experienced by the insurer.

State legislatures have tried to protect consumers from AOB fraud and some progress has been made. Florida, for example, passed legislation in 2019 that gives consumers the right to rescind a fraudulent contract and requires that AOB contracts include an itemized description of the work to be done. Other states, including North Dakota, Kansas, and Iowa have all signed NAMIC-backed legislation into law to protect consumers from AOB fraud.

The National Association of Insurance Commissioners (NAIC), offers advice for consumers to help avoid AOB fraud and abuse:

File a claim with your insurer before you hire a contractor. This ensures you know what repairs need to be made.

Don’t pay in full upfront. Legitimate contractors do not require it.

Get three estimates before selecting a contractor.

Get a full written contract and read it carefully before signing.

Don’t be pressured into signing an AOB. You are not required to sign an AOB.

Pros and cons of an assignment of benefits

The advantages and disadvantages of an AOB agreement depend largely on the amount and type of protection your state’s insurance laws provide.

Pros of assignment of benefits

With proper safeguards in place to reduce opportunities for fraud, AOBs have the ability to streamline and simplify the insurance claims process.

An AOB frees you from paying for services and waiting for reimbursement from your insurer.

Some people appreciate not needing to negotiate with their insurer.

You are not required to sign an AOB.

Cons of assignment of benefits

As with most contracts, AOBs are a double-edged sword. Be aware of potential traps and ask questions if you are unsure.

Signing an AOB could make you the victim of a scam without knowing it until your insurer refuses to pay.

An AOB doesn’t free you from the ultimate responsibility to pay for services rendered, which could drag you into expensive litigation if things go south.

Any AOB you do sign is legally binding.

The takeaway

An AOB, as the health insurance example shows, can simplify complicated and costly insurance transactions and help consumers avoid time-consuming negotiations. And it can save upfront costs while letting experts work out the details.

It can also introduce a nightmare scenario laced with fraud requiring years of costly litigation. Universal state-level legislation with safeguards is required to avoid the latter. Until that is in place, your best bet is to work closely with your insurer when signing an AOB. Look for suspicious or inflated charges when negotiating with contractors, providers, and other servicers.

This story was originally featured on Fortune.com

Assignment of benefits: A growing concern

By Kevin Poll

Evaluating claims properly and determining the appropriate amount of a loss are crucial for insurance companies, especially when trying to offer competitive premiums to customers and maintain profitable financial results.

Factors that affect profitability

In the business of insurance, many factors—some that can’t be controlled—affect financial profitability. Predictive analytics and more refined modeling are helping insurers reduce uncertainty, but even the best of models have their limitations.

Further, many variables can’t be predicted but could have significant financial impact on the bottom line. One of those variables—the potential for the benefits of an insurance policy being assigned post-loss to predatory adjusters—has been a hot topic, particularly in those states where laws and regulations currently prevent insurance companies from being able to mitigate the problem.

What is assignment of benefits?

Typically, an insurance policy has a loss payment provision that advises the policyholder that any payment for a first-party loss will be paid directly to the insured unless another party is legally entitled to collect payment. However, a common practice by consumers after a loss is to have the contractor that will be making the repairs to the damaged property work directly with the insurance company for payment.

Some insurance providers have simplified this process by developing a network of trusted contractors that are allowed to inspect claims on their behalf. This creates a consumer-friendly environment where the insured, for the most part, is removed from the claims settlement process. However, consumers generally are free to make other choices, so if they decide on a contractor not in that network, the insurer most likely will work with the entity selected by the insured.

When a contractor, who is not in an insurance provider’s network, is chosen, the insured has two options: either receive payment from the insurance company and then work directly with the contractor or allow the contractor to work directly with the insurance company regarding repairs and payment. Insurance companies would likely prefer the first option because they can then more closely monitor the claims process. While the second option may be less desirable to the insurance company, certain states, like Florida, have laws in place that actually prevent the carrier from disallowing it.

What are the concerns with assignment of benefits?

Transferring the benefits of a policy to a third party, such as a contractor, does create a better customer experience; however, insurers generally lose a bit of control managing the claims process when working directly with the third party.

Several states (especially Florida as discussed below) have seen an influx in predatory public adjusters and contractors that seek out consumers who may potentially have a loss covered by their homeowners policy. These adjusters (that may also serve as the contractor making the repairs to the home) will have the consumer sign a transfer of benefits to them almost immediately after suffering the loss, and then they will work directly with the insurance company to complete the claims process.

One issue that arises (and often the consumer is unaware of this) is that the adjuster/contractor could be inflating the actual cost of the claim by reporting damage that may not actually have occurred. Additionally, the claim may not be reported to the insurance company until the repairs have already been completed so the insurance company has not had an opportunity to inspect the damage. Such tactics can result in additional profits for the adjuster/contractor, which translates to inflated severity and rising premiums for the consumer.

This issue may be particularly problematic in Florida, where insurance carriers may not be aware of potential losses until they’re served with a lawsuit for expenses incurred by the contractor that completed the repairs. In fact, the Florida Office of Insurance Regulation (FLOIR) released results from a study it conducted showing that the number of lawsuits attributed to assignment of benefits (AOB) increased from 408 in 2000 to more than 28,000 in 2016. Further, the average severity for claims where there is an AOB is about 85 percent more than those claims without an AOB.

How has this issue escalated?

Several factors have contributed to the growing problem of assignment of benefits in Florida; however, a combination of case law and legislation, which has made it difficult for insurance companies to mitigate claim costs and potential fraud, may be the most impactful.

In the 1917 landmark case of West Florida Grocery Co. v. Teutonia Fire Ins. Co., 77 So. 209, 210-, the state Supreme Court rendered a decision holding that the insured was able to assign the benefits of the policy following a loss directly to a third party without the written consent of the insurance provider. The precedent established by this 100-year-old case continues to make it very difficult for an insurance company to prohibit the assignment of benefits in Florida.

In addition to this case, Florida Statute §627.428 governing payment of attorneys’ fees related to insurance practices requires that insurance companies pay legal fees to third parties successfully suing to obtain payment for their services even if the ruling from the court places the amount of the claim only $1 above the insurance company’s offer in settlement. As a result, this statute incentivizes contractors to sue insurance companies for reimbursement, because the likelihood that they’ll have to pay their own legal fees for the case is very slim.

As reported by The Sun Sentinel earlier this year, consumers in southern Florida could expect to see rate increases averaging 5-15% as a result of claims abuse. Additionally, if it can be assumed that a significant number of the lawsuits complied in the FLOIR study referenced above were initiated by public adjusters and contractors seeking to be unjustly compensated, it could be suggested that this predatory behavior is factoring into these rate increases.

Despite this potential correlation, the legislature has yet to make changes to existing laws. While some members of Florida’s legislature favor the existing legislation, others are advocating for consumers and supporting legislation that would eliminate the abuse. Although remedial legislation did fail in 2017, some members have said they’re hopeful to get legislation passed in 2018.

How is ISO responding?

ISO has been reviewing policy language to determine the best course of action for responding to the growing crisis, especially in Florida. While prohibiting assignment of benefits post-loss altogether is not allowed by state law, several policy provisions can be modified to introduce parameters on how the benefits of the policy can be assigned to a third party. ISO is finalizing these changes and hopes to file in the first quarter of 2018 so that member companies can address this concern with or without any future changes to Florida law.

Personal Property
Risk Assessment
Homeowners Underwriting

COMMENTS

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