Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Counselor LCDC : Licensed Chemical Dependency Counselor exam Dumps

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Latest 2023 Updated Counselor Licensed Chemical Dependency Counselor Syllabus
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Exam Number : LCDC
Exam Name : Licensed Chemical Dependency Counselor
Vendor Name : Counselor
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A licensed chemical dependency counselor is licensed to provide chemical dependency counseling services involving the application of principles, methods and procedures of the chemical dependency profession as defined by the profession's ethical standards and the knowledge, skills and abilities as defined by rule in 25 TAC Ch. 441 (relating to general provisions). The license does not qualify a person to provide services outside this scope of practice.



The scope of practice for a chemical dependency counselor includes services that address substance abuse/dependence and/or its impact on the service recipient subject to the following:



The counselor is prohibited from using techniques that exceed his or her professional competence.
The service recipient can only be the user, family member or any other person involved in a significant relationship with an active user.

LCDCs can diagnose substance disorders, but anything other than a mental health diagnostic impression must be determined by a qualified professional.

LCDCs are not qualified to treat people with a mental health disorder or provide family counseling to people whose presenting problems do not include chemical dependency.

The Practice of Chemical Dependency Counseling Services is defined by rule as "providing or offering to provide chemical dependency counseling services involving the application of the principles, methods and procedures of the chemical dependency counseling profession as defined by the activities listed in the domains of TAP 21 "Addictions Counseling Competencies: The Knowledge, Skills, and Attitudes of Professional Practice" published by Center for Substance Abuse Treatment.



Evaluate credentials

Issue initial and renewal licenses/registrations to qualified applicants
Investigate complaints
Deny, revoke or suspend licenses after opportunity for a hearing has been offered



Final Disciplinary Actions - License Denial, Surrender, Revocation
Further information, including a copy of the final order, is available upon written request from their office.



Final Disciplinary Actions - All Other, including Probated Suspension, Reprimand, and Administrative Penalty
View enforcement actions (PDF) that will be posted on this website for a total of seven (7) years from the date all the terms of the Order have been met, in accordance with their records retention schedule. The regulated individual may now be currently licensed, in good standing, and practicing without any restrictions.



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Counselor Counselor test prep

 

Counselor Education and Supervision

The UW Ph.D. program in counselor education and supervision is targeted to students who already hold a master’s degree from a CACREP-accredited institution or equivalent and are seeking to become counselor educators and advanced practitioners. Students who do not come from CACREP school may have to take additional coursework.

Integrating theory and practice, this program will provide you with expertise and experience in counseling, supervision, teaching, leadership, advocacy, research and scholarship.

Counselor education and supervision Ph.D. graduates from UW go on to establish counseling practices and academic careers.

Questions? Speak with an advisor!

The counselor education and supervision Ph.D. program is a three-year program and only admits students every few years. They will be admitting fall of 2026. The application portal will not open again until spring of 2025. At that time, please apply for fall 2026. 

Admission Requirements

Domestic Students

  • GPA: 3.0
  • GRE: Not required
  • International Students

  • TOEFL: 80 minimum online score, 20 minimum score in each subset and the score must be from within the last 2 years, OR 
  • IELTS: 6.5 minimum overall score with 6 minimum in each subset. 
  • GRE: 151 minimum verbal and 153 minimum quantitative 
  • Other Requirements

  • Master of Arts or Master of Science Degree in Counseling
  • Visit their program's admission page for more information.

    Here is a sampling of courses you will take as a counselor education and supervision Ph.D. student at UW:

  • Play Therapy
  • Supervision Theory
  • Doctoral Practicum in Counselor Education
  • Doctoral Practicum in Supervision
  • Doctoral Seminar I: Professional Identity and Ethics
  • Doctoral Seminar II: Diversity and Social Change
  • Supervised Internship
  • View the full doctor of philosophy in counselor education and supervision curriculum.

    The UW Ph.D. in counselor education and supervision prepares you for a career in academia, readying you to teach the next generation of counselors and advance the discourse in their field.

    Counselor Education and Supervision Careers

    UW Ph.D. alumni in counselor education and supervision have worked in institutions such as:

  • Universiti Putra Malaysia
  • University of Northern Colorado
  • Bridgewater State University
  • Aquinas College
  • University of Wyoming
  • University of Wisconsin-Stout
  • Cathedral Home for Children
  • Lindsey Wilson College
  • Peak Wellness Center
  • Austin Peay State University
  • Counselor working with client

    As a doctoral student you will be expected to conduct systematic inquiry into the counseling field. Some accurate dissertation titles include:

  • “Exploration of the Relationship between a Counselor Preparation Program and a Collegiate Athletic Program”
  • “Get Out of Your Way: Educators’ Perceptions of the Self-Defeating Behaviors of High-Achieving Students During Senior Year of High School”
  • “Psychological and Personal Variables as Predictors of the Willingness of International Students to Seek Formal and Informal Counseling Help”
  • “Healthy Marital Relationships among Farming Couples: A Narrative Inquiry”
  • “Assessing the Methods of Identification, the Availability of School-based Support and the Perceived Barriers to Providing Support for Children of Substance Abusing Parents”
  • “Silent Voices in Session: A Narrative Inquiry of How Male Clients Who Identify as Gay Experience Counseling from Male Clients Who Identify as Straight”
  • The counselor education and supervision Ph.D. program at UW will provide you with the freedom and flexibility to pursue a unique path of intellectual inquiry while also making it possible for you to develop college-level teaching skills, acquire supervisory experience and hone new counseling skills.

    Here are some reasons to consider UW’s counselor education and supervision Ph.D. program:

     

    Co-Teaching

    Acquire college-level teaching experience co-teaching with an undergraduate class with a UW counseling faculty member.

    Accredited

    The UW College of Education is nationally accredited by NCATE. The counselor programs are accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP).

    Faculty/Scholars

    Work with professors who are researching play therapy, expressive arts in counseling, addiction, counselor development and underserved populations, childhood mental health, the development of ethnic identity in children and other important areas.

     

    Assistantships

    Explore graduate assistantships, which provide stipends, opportunities to help faculty with research and college-level teaching experiences. Graduate assistants also help with the day-to-day functions of the counseling clinic.

     

    Wellspring Counseling Clinic

    Work in the College of Education’s Wellspring Counseling Clinic, which boasts the latest in digital technology and offers individual, group and couples counseling, play therapy and substance abuse evaluations. Doctoral students help with the day-to-day operations of the counseling clinic and supervise students working there. As a Ph.D. student, you will support master’s students working in the clinic as they complete their practicum hours.

    Scholarships

    Explore graduate scholarships that are available through the UW College of Education that include:

    Arden White Student Excellence ScholarshipLyle L. Miller Counselor Education FellowshipRelaxation Foundation Donald R. Austin Student Scholarship Fund

    Travel Assistance

    Apply for funding to attend conferences. Both the School of Counseling, Leadership, Advocacy and Design and College of Education and Office of the Dean offer funding opportunities.

    Play Therapy

    Take part in the work of the Rocky Mountain Center of Play Therapy. As one of only a few approved centers for play therapy education, you can work towards becoming a Registered Play Therapist (RPT) or a School-Based Registered Play Therapist (SB-RPT) through the Association for Play Therapy.

    Biennial Play Therapy Conference

    Network with over 200 mental health professionals, school counselors, social workers, and early childhood teachers from around the world as you participate in intensive hands-on workshops from renowned experts during the UW hosted play therapy conference.

    Practica

    Take part in doctoral practicums in counseling (100 clock hours/40 direct hours) and supervision. Enjoy the opportunity to complete your practica here on campus in the state-of-the-art UW WellSpring Counseling.

    Minor


    Cassadaga Job Corps Academy Celebrates 45 Years

    The U.S. Dept. of Labor’s Cassadaga Job Corps Academy provides free room and board, education, military ASVAB test prep, skilled-trade training, GED and high school diploma preparation/completion and a plethora of other -free- programing options, all designed to launch students into the job market as viable and successful candidates. Submitted photo

    Traditional school, high school or college isn’t for everyone.

    However, locally, there’s a viable and possibly lucrative alternative for some.

    The U.S. Department of Labor is the governmental agency responsible for administration and oversight of the U.S. Job Corps. The program provides free education and vocational training for young men and women ages 16 to 24-years old.

    Job Corps has been in operation since 1964 and was initially the inaugural program, which was launched during the Johnson administration, and designed to be the “first-shot fired” for President Lyndon Johnson’s declared War on Poverty.

    While each Job Corps location may offer different job/technical training — most sites offer classes and education in: budgeting, life skills and social development, GED, driver’s license classes and test preparation, interviewing techniques and practice, resume writing, Test of Adult Basic Education (T.A.B.E.) work-based-learning programs, internship or apprenticeship opportunities, earn while you learn jobs on center locations, job placement services, follow-up or after program support and counseling.

    The Cassadaga Job Corps Academy’s first group of students arrived on Aug. 22, 1978, 45 years ago. The center is nestled on a rather large, green, “mountain-ish” plateau and overlooks Cassadaga Lake.

    Carl Frantz, the social development director of Cassadaga Job Corps Academy, helps provide a safe living environment for all students, he plans, directs and administers the day-to-day operations of the residential living, recreational and counseling programs. Frantz, by all accounts, has a large department with vast reach to help his Job Corps Academy run smoothly.

    “We offer free housing, food and recreational opportunities at their center,” Franz said. “Our recreation department, during the summer months, hosts weekly campfires and run a variety of organized sports leagues throughout the year, along with taking their students on trips to a local roller rink, movie theater and other unique and fun activities. We, also have a weight room, gymnasium with indoor and outdoor basketball courts, a running track, music room and an indoor large-screen movie theater.”

    However, becoming a student at the Cassadaga academy isn’t all about fun and games. The core of what is offered is education, training, life skills and character development.

    “Our Academy currently offers training in carpentry, electrical, painting, plumbing, certified nursing assistant, advanced training licensed practical nurse and security officer/guard cert,” said Willie Brown, the academy director. “We really focus on the individual student; while trying to integrate some common-core values like social skills, workplace ethics and their A.C.T.I.O.N. principles (Accountability, Communication, Teamwork, Integrity, Ownership and No excuses.)”

    Moreover, “inclusion not exclusion” is a primary focal point, and the Academy’s top leader has positioned this educational institution as a viable option for local youth.

    “Our academy has a diverse culture with students from all over,” Brown said. “Fifty percent of their population comes from New York City recruiters and the other 50% comes from Erie County, Niagara County, Chautauqua County, Allegany County and Cattaraugus County recruiters. Their Advanced Training LPN program recruits’ applicants from 122 other Job Corps locations across the country. Job Corps is a ‘win-win’ tuition-free program for eligible youth who think they may not graduate or continue in educational pursuits elsewhere.”

    Brown also alluded to other -support- programs to help students launch themselves onto pathways for success.

    “Not only do they have a G.E.D program, but they also offer an online High School Diploma program, and they have teachers who specialize in the Armed Services Aptitude Battery exam (ASVAB) for those interested in pursuing a military career option. Moreover, they also have a standing agreement with Jamestown Community College for a transition program.,” Brown said. “There’s no need to deliver up, there are options out there for young people who may need some extra help and an advocate in their corner.”

    Under the Economic Opportunity Act of 1964, Job Corps learning centers have provided life-altering training to more than 1.9 million Americans. Moreover, around 60,000 youths attend sites, much like the Cassadaga Job Corps Academy, each year.

    During a 2012 survey of students who completed a Job Corps skills training program entered the workforce and found viable employment. What the survey highlighted was the effectiveness of the training program, when under-privileged and at-risk youth graduate from Job Corps, they find employment; more than 75% of graduates obtained positive employment within the academic-calendar year, and more than 13.5% of students continued in their educational endeavors at colleges, universities or other trade-schools, and the remaining graduates joined the United States military.

    For those who are considering the Cassadaga Job Corps Academy as an option, contact Sue Miller, the academy’s outreach and admissions clerk at 716-595-4272 or visit the Cassadaga Job Corps site at cassadaga.jobcorps.gov/.

    For those interested in taking a tour and seeing what it is like to live, eat, learn and socialize at Job Corps, the Cassadaga Job Corps Academy has open-campus tours & information sessions at 10 a.m., every Thursday, or by appointment.

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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug