accepts edoc assignments

What is an e-doc fee?

I’ve noticed that several notaries charge for an “e-doc fee”. What do they mean by “e-doc”, and why do people charge extra for it?

E-doc fee is the fee the notary would charge to receive documents via e-mail and print them out.

My question to you is - have you taken a certification course? This should have been addressed in the course you took. If you did not, based on your questions here, I would strongly suggest you take a loan signing course that will familiarize you with loan closings, what’s involved, and all the terminology

I’d suggest you contact Carol Ray at Notary2Pro - you’ll have to pay for the course but it will be money well spent.

Agree with Linda. If you don’t know what edocs are, you are seriously in over your head and need some training. Edocs are loan documents sent Electronically. Usually, hundreds of pages sent to you via e-mail as a pdf or you download them from a secure site and then must print usually 2 copies of all using a laser printer and your labor–so, yes, WE ALL CHARGE for this service (equipment, paper, toner).

I just saw another notary’s fee schedule and she charged extra for e-docs and I was wondering why. Isn’t it pretty standard to get them that way? I’m trying to get my fees straight, and that threw me.

I apologize. I was wondering about e-signings, not e-docs.

Google e-signings… and/or Eclose. It’s complicated and must be allowed by your state.

I loved my courses. I can’t tell you how amazing my experience was.

Hi I was wondering the same thing. I thought this forum was to get information and answers. I realize we must take certifications and courses. There are times when we have questions and thus is the place to try and look

Information and answers - yes. But these questions are basic topics covered in any loan signing course. We answer questions and advise as best we can - but we can’t train - and this is all part of training.

My e-notarization training was part and parcel of the 3-hour course I had to take to become a Florida notary - not signing agent, but a commissioned notary - I just never obtained my e-seal.

Linda. I took 83 hour training course for my notary commission. And for loan signing documents I took another course. But it doesn’t say anything about fees. This form is a go toForum.

OP asked what e-docs were…then corrected it and said she meant e-notarization; it was my belief (and Arichter’s too from her post) that they wanted a definition, not a fee.

Maybe I misunderstood. And may I ask…83 hours to train for your commission? Is that a typo?

Lol, typo 3 hours! Ok whichever it was. I don’t know! It wasn’t my question but I wondered about the fees. My point is that this forum is information purposes and not meant for training. I get that!

e-docs signing is not allowed in california for loans

premiernotary has clarified that her question is what notaries mean by an e-signing. Several situations could qualify as an e-signing, especially with the emergency rules provided in many states during the pandemic.

• Hybrid signing: some docs are signed electronically, possibly before the notary arrives. The notary prints some of the docs (usually the ones that need to be notarized), watches signers sign, administers notarizations, and completes notarial certificates.
• In person electronic notarization (IPEN): The documents are all signed electronically. The ones that are notarized are signed by the signers in the physical presence of the notary, and the notary completes the notarial certificates electronically.
• Remote online notarization (RON): like IPEN, except the notary communicates with the signers over a secure audio-video link, and special procedures are used to identify the signers. The allowable identification methods depend on the state.
• Remote ink notarization (RIN): this is allowed in some states during the pandemic. The signers communicate with the notary electronically. The signers hold up their ID to the camera, or are personally known to the notary, or use credible witnesses. The signers often are required to state on-camera that they are in the same state as the notary. The signers sign the printed paper document, then either scan them to the notary for completion, or mail to them to the notary for completion. The notary prints the scanned documents (if necessary). The notary completes the notarial certificates; often, special wording is required to show the notarization was done remotely.

I’ve never heard of any lenders or title companies being willing to use the last method.

Procedures for any of the various kinds of e-signings vary greatly from title company to title company, so I would expect the fees charged by notaries to vary greatly, depending on exactly what they have to do and what software and subscriptions they have to provide themselves with.

Back in the 1990s or so it was normal for title companies to print the docs and send then to either the notary or signers. When high-speed internet and inexpensive laser printers became more common, some notaries started printing the documents, and charged extra for this service. Many title companies, signing services, and notaries still charge extra for these edocs, even though they are the norm rather than the exception. A case when the paper documents are still sent to the notary is a split signing, where a first signer has already signed the documents and the notary is collecting the signatures of a second signer.

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October 8, 2013

Interview with title source.

Me: “Many of our notaries like working with you. Can you tell me why? What do you do that is so good?”

Zee: “Notaries are intrigued by our system, our technology. We try to put it in order in our edocs. About 95% of our closings will require notaries to print out. We get things done in a timely manner. Our website is easy to logon to and provide a service. We also try to give notaries work within their area– within 20 miles.

I do instruct notaries that they can contact our scheduling team and get them to the lender as needed if there is an issue at a closing. Someone is always available. I do ask notaries not to discuss any specifics of docs with our scheduling team.

We give notaries a score 1.5 to 3.5. 1.0 is the best. If they earn a good score they get more work or a raise. Their score includes completion time–including dropping the package at FedEx; quality of work: if there is a signature missing, that would be a defect. Confirmation-turn time is also important. The fee they charge is also part of that. A good fee for us is $65, and another $20 for edocs. A refi might be $90. I pay my national companies $125 for a signing; I would also pay that to a good notary. I have to have a loan assigned to a notary within 2 hours. I let the notary tell me what fee they want. I can’t guarantee them they will get many orders at, say, $125. But if I build you a profile today, I will put you at the top of the page. Our site will help you build your profile. There is no fee to do that. We call those who say $85 before those who say $125.

When we look on 123notary we may look by zip code or by city, but lately we are limiting the notaries to those who are NNA or Lexis-Nexis background screened. Those background screenings are the best.

We give instruction sheets. If there is something specific the client wants, we put it on the instructions.

We usually do not hire notaries who have fewer than 2 years of experience (fewer than 500 loans). We absolutely would hire a new notary with experience in a financial area. Any experience with the mortgage industry. Sometime real estate people have good experience. We close loans all over the country. We have a quiz or test that we give first if a notary wants to sign up– about 10 questions. You have to listen to something before– various questions about situations: they look at a video (2-3 minutes) and then answer questions. They have to get all the questions right. ”

You might also like:

Interview with Timios Title http://blog.123notary.com/?p=6718

Interview with a Title Company http://blog.123notary.com/?p=3724

December 25, 2010

E-documents definition.

e-document definition    Documents that are sent electronically to the signing agent are called e-documents. There are a number of different common viewers necessary to view and print e-documents. Typically, a notary will receive documents and immediately need to print them and then go out to complete the signing with the borrowers. E-documents are typically sent at the last minute. Notaries typically charge extra to print out e-documents as it takes time, paper, and creates wear and tear on their toner or ink cartridge. E-documents have nothing to do with e-notarizations. An e-notarization is done purely online while an e-document signing is done with physical documents face to face with the borrower. E-signings are done with some of the documents being signed online. E-document signings are generally completed after the documents have been printed.  

Issues with e-documents include the fact that a notary might have to go all the way home just to print documents.  Many companies send documents at the last minute and there are sometimes delays that add to the headache of doing a signing.  Some of our smarter notaries have mobile offices so they can print on the road while others have a kinko’s account so they can find a kinko’s near where they currently are to print documents on the run.

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Medicare Assignment

Home / Medicare 101 / Medicare Costs / Medicare Assignment

Summary: If a provider accepts Medicare assignment, they accept the Medicare-approved amount for a covered service. Though most providers accept assignment, not all do. In this article, we’ll explain the differences between participating, non-participating, and opt-out providers. You’ll also learn how to find physicians in your area who accept Medicare assignment. Estimated Read Time: 5 min

What is Medicare Assignment

Medicare assignment is an agreement by your doctor or other healthcare providers to accept the Medicare-approved amount as the full cost for a covered service. Providers who “accept assignment” bill Medicare directly for Part B-covered services and cannot charge you more than the applicable deductible and coinsurance.

Most healthcare providers who opt-in to Medicare accept assignment. In fact, CMS reported in its Medicare Participation for Calendar Year 2024 announcement that 98 percent of Medicare providers accepted assignment in 2023.

Providers who accept Medicare are divided into two groups: Participating providers and non-participating providers. Providers can decide annually whether they want to participate in Medicare assignment, or if they want to be non-participating.

Providers who do not accept Medicare Assignment can charge up to 15% above the Medicare-approved cost for a service. If this is the case, you will be responsible for the entire amount (up to 15%) above what Medicare covers.

Below, we’ll take a closer look at participating, non-participating, and opt-out physicians.

Medicare Participating Providers: Providers Who Accept Medicare Assignment

Healthcare providers who accept Medicare assignment are known as “participating providers”. To participate in Medicare assignment, a provider must enter an agreement with Medicare called the Participating Physician or Supplier Agreement. When a provider signs this agreement, they agree to accept the Medicare-approved charge as the full charge of the service. They cannot charge the beneficiary more than the applicable deductible and coinsurance for covered services.

Each year, providers can decide whether they want to be a participating or non-participating provider. Participating in Medicare assignment is not only beneficial to patients, but to providers as well. Participating providers get paid by Medicare directly, and when a participating provider bills Medicare, Medicare will automatically forward the claim information to Medicare Supplement insurers. This makes the billing process much easier on the provider’s end.

Medicare Non-Participating Providers: Providers Who Don’t Accept Assignment

Healthcare providers who are “non-participating” providers do not agree to accept assignment and can charge up to 15% over the Medicare-approved amount for a service. Non-participating Medicare providers still accept Medicare patients. However they have not agreed to accept the Medicare-approved cost as the full cost for their service.

Doctors who do not sign an assignment agreement with Medicare can still choose to accept assignment on a case-by-case basis. When non-participating providers do add on excess charges , they cannot charge more than 15% over the Medicare-approved amount. It’s worth noting that providers do not have to charge the maximum 15%; they may only charge 5% or 10% over the Medicare-approved amount.

When you receive a Medicare-covered service at a non-participating provider, you may need to pay the full amount at the time of your service; a claim will need to be submitted to Medicare for you to be reimbursed. Prior to receiving care, your provider should give you an Advanced Beneficiary Notice (ABN) to read and sign. This notice will detail the services you are receiving and their costs.

Non-participating providers should include a CMS-approved unassigned claim statement in the additional information section of your Advanced Beneficiary Notice. This statement will read:

“This supplier doesn’t accept payment from Medicare for the item(s) listed in the table above. If I checked Option 1 above, I am responsible for paying the supplier’s charge for the item(s) directly to the supplier. If Medicare does pay, Medicare will pay me the Medicare-approved amount for the item(s), and this payment to me may be less than the supplier’s charge.”

This statement basically summarizes how excess charges work: Medicare will pay the Medicare-approved amount, but you may end up paying more than that.

Your provider should submit a claim to Medicare for any covered services, however, if they refuse to submit a claim, you can do so yourself by using CMS form 1490S .

Opt-Out Providers: What You Need to Know

Opt-out providers are different than non-participating providers because they completely opt out of Medicare. What does this mean for you? If you receive supplies or services from a provider who opted out of Medicare, Medicare will not pay for any of it (except for emergencies).

Physicians who opt-out of Medicare are even harder to find than non-participating providers. According to a report by KFF.org, only 1.1% of physicians opted out of Medicare in 2023. Of those who opted out, most are physicians in specialty fields such as psychiatry, plastic and reconstructive surgery, and neurology.

How to Find A Doctor Who Accepts Medicare Assignment

Finding a doctor who accepts Medicare patients and accepts Medicare assignment is generally easier than finding a provider who doesn’t accept assignment. As we mentioned above, of all the providers who accept Medicare patients, 98 percent accept assignment.

The easiest way to find a doctor or healthcare provider who accepts Medicare assignment is by visiting Medicare.gov and using their Compare Care Near You tool . When you search for providers in your area, the Care Compare tool will let you know whether a provider is a participating or non-participating provider.

If a provider is part of a group practice that involves multiple providers, then all providers in that group must have the same participation status. As an example, we have three doctors, Dr. Smith, Dr. Jones, and Dr. Shoemaker, who are all part of a group practice called “Health Care LLC”. The group decides to accept Medicare assignment and become a participating provider. Dr. Smith decides he does not want to accept assignment, however, because he is part of the “Health Care LLC” group, he must remain a participating provider.

Using Medicare’s Care Compare tool, you can select a group practice and see their participation status. You can then view all providers who are part of that group. This makes finding doctors who accept assignment even easier.

To ensure you don’t end up paying more out-of-pocket costs than you anticipated, it’s always a good idea to check with your provider if they are a participating Medicare provider. If you have questions regarding Medicare assignment or are having trouble determining whether a provider is a participating provider, you can contact Medicare directly at 1-800-633-4227. If you have questions about excess charges or other Medicare costs and would like to speak with a licensed insurance agent, you can contact us at the number above.

Announcement About Medicare Participation for Calendar Year 2024, Centers for Medicare & Medicaid Services. Accessed January 2024

https://www.cms.gov/files/document/medicare-participation-announcement.pdf

Annual Medicare Participation Announcement, CMS.gov. Accessed January 2024

https://www.cms.gov/medicare-participation

Does Your Provider Accept Medicare as Full Payment? Medicare.gov. Accessed January 2024

https://www.medicare.gov/basics/costs/medicare-costs/provider-accept-Medicare

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Robert (Bud) Talbot Accepts Temporary Assignment at the National Science Foundation

Robert (Bud) Talbot III, associate professor of STEM (Science, Technology, Engineering and Math) Education in University of Colorado Denver’s School of Education & Human Development , is taking a temporary assignment to promote excellence, diversity, and innovation in undergraduate STEM education across the nation as a program director in the Division of Undergraduate Education in the STEM Education Directorate at the National Science Foundation .

In this role, Talbot will have an unparalleled opportunity and responsibility to ensure that NSF-funded research is at the forefront of advancing knowledge. He will arrange for the merit review process of grant proposals, mentor STEM education researchers regarding grant solicitations and revisions, and conduct post-award monitoring of funded projects. 

“It’s cool because I’ve always respected the mission of the NSF,” he said. “When I was a graduate student, I was supported by NSF grants because my advisor was a grant recipient. When I started as a faculty member, I sought and received NSF funding, and supported graduate students with that funding. And, at this point in my career, I view this next role as service toward an organization that supports impactful STEM researchers and quality projects.”

Talbot joined the faculty at CU Denver in 2011. He is known for helping STEM educators adopt evidence-based ways to teach science so that students can succeed and meet their goals, whatever those goals may be. His students aspire to become teachers, healthcare professionals, physicists, chemists, biologists, and the like. He has extensive experience leading undergraduate STEM education initiatives at CU Denver and has served as a principal investigator on several NSF grants. He is co-founder and current co-director of CU Denver’s Learning Assistant program and was a role model to many as he successfully led and co-led the following NSF grants: 

Beyond Active Learning: Learning Assistant (LA) Supported Pedagogies in Large Lecture Science Courses (2015 – 2020) 

STEM Club Leadership for Undergraduate STEM Education, Recruiting and Success (STEM CLUSTERS) - (2015 - 2018) 

Developing Faculty Resources of Evidence-based Practices that Improve Learning and Equity in STEM - (2019-2024) 

Talbot’s research interests include student-centered teaching and learning in undergraduate science classes such as biology, chemistry, and physics. In addition, he studies the adoption and use of student learning assistants in classrooms and how these peer-to-peer interactions can change how professors teach and how college students learn. His research also focuses on how students identify as STEM majors and feel connected in science classrooms. He has also published on research methods and measurement models in STEM fields. Research publications written in concert with his CU Denver doctoral students have been the most rewarding. “My students are so creative and data-savvy,” said Talbot. “And it is genuinely exciting to elevate amazing students who are diverse in gender and race in our field. CU Denver undergraduate and graduate students are exactly the kind of people we want to be in our workforce. So, helping them achieve their goals makes someone like me feel good.” 

Talbot’s experience with NSF and the expertise he develops will directly benefit CU Denver STEM educators and the School of Education & Human Development. “Part of the reason I have been successful at securing NSF funding is that one of my mentors had served in the program director role at NSF, and when they returned to the university, they were able to coach me on how to navigate the grant funding landscape.” Talbot plans to serve as that kind of mentor for other faculty when his rotation at NSF is finished.

In 2020, Talbot joined Chancellor Marks in creating a video to celebrate Earth Day during the pandemic. The video featured Talbot’s interactive, student-centered teaching methods via his backyard science lab . 

During the one to three years that he will be serving in the NSF role, Talbot expects to miss college teaching tremendously. “The most rewarding part of my faculty position is teaching and coaching the student learning assistants,” he said. “I'm sad to have to let that go temporarily to do this; but it's just a trade-off.” During his absence, Julie Bickner, who works with him in the Learning Assistant program, will take over his teaching duties. “She’s perfect for the role,” said Talbot.

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George Santos Backs Off House Committees Amid Ongoing Investigations

Rep. george santos was appointed earlier this month to posts on the house science, space and technology and small business committees. he says he won't take on those positions just yet, but he won't resign either, by nbc new york staff • published january 31, 2023 • updated on february 1, 2023 at 2:16 am.

Embattled Rep. George Santos won't accept key congressional committee assignments amid ongoing ethics and campaign finance-related investigations, the Republican told colleagues -- and his office confirmed -- Tuesday.

Santos was recently assigned seats on House science and small business committees, but told colleagues in a closed-door GOP conference meeting he won't accept those until the issues are resolved, two people in the room said.

It was not immediately clear whether he made the decision of his own accord, or if he was influenced or directed to revoke his committee assignments by other members of his conference.

24/7 New York news stream: Watch NBC 4 free wherever you are

A spokesperson said that "he has reserved to see it until he has been cleared up both campaign and personal financial investigations."

In a statement, Santos said it was "a decision I take very seriously. The business of the 118th Congress must continue without media fanfare, without distraction." He also reiterated his stance that he won't step down and isn't considering tendering his resignation.

Santos allegedly spoke with House Speaker Kevin McCarthy Monday night. McCarthy said on Tuesday that he "met with George Santos yesterday and I think it was the appropriate decision." McCarthy said that Santos asked to step away from the assignments.

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In a new interview, Santos said that "people should be judged on their actions, and not by trial by fire through the media, which is what I've experienced for the last couple of weeks."

As for the falsehoods he shared regarding his education, Santos called it "a bad decision. poor judgment."

"I felt the need to do it because I thought that without the diploma, I'd be looked down on and less than the other people," Santos said of lying about his educational background, including saying he graduated from Baruch College and NYU.

He went on to say that "I don't think lying is excusable. ever, period...especially if you're legislating for the American people right now. So what I might have done during the campaign does not reflect what's been done in the office."

The developments come as a new poll shows even most of Santos' own constituents want him out of office entirely.

But perhaps most damningly - an overwhelming majority of those who actually cast ballots for Santos less than 90 days ago now say they would not have if they knew the truth.

In total, some 78% of registered voters in New York's 3rd District want Santos to resign, the Newsday/Siena College poll found. That includes 89% of Democrats, 72% of independents and 71% of his own Republican voters.

In fact, Siena pollsters sliced the respondents up 18 different ways, including by age, geography, religion and income -- and in every single one of the 18 demographic slices, at least 70% of those polled wanted Santos to quit.

Only 13% of those polled say Santos should not resign - and only 7% say they have an explicitly favorable view of the first-term congressman, whose list of admitted and accused lies and misdeeds has gotten longer by the day since last month.

Of those surveyed who acknowledged actually voting for Santos last November, 63% said they would not have if they knew then what they knew now about him.

The poll of 653 registered voters in the 3rd District was conducted Jan. 23-26 and had a margin of error of 4.4 percentage points.

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