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Non-Qualified Plans
We will be discussing this with a number of other tax-saving strategies at my Boot Camp on October 28-29, 2018. Learn more and register at https://www.legalees.com/order/product-info.php?pid100.html by September 28 to get the $500 off Early Bird Discount.
Просмотров: 377 LegaLees
Current Status of Reform Efforts
TO USE OR PRINT this presentation click : http://videosliders.com/r/951 ============================================================== National Association of Health UnderwritersHealth Reform UpdateJanuary 8, 2010Russ Childers, PresidentJanet Trautwein, CEOJesse Patton, Legislative Council ChairSusan Rash, Legislative Council Vice-ChairJessica Waltman, Sr. Vice President of Government Affairs ,Current Status of Reform Efforts Bills have passed in House and Senate Congress will not use formal conference committee to work out differences Previous bills of this magnitude have held open formal conference committees Negotiations going on behind closed doors Process being used called “ping-pong” Amends bills in each house to make identical ,Current Status of Reform Efforts Democratic leadership will still need 60 votes in the Senate Although a vote on the final bill will only require 51 votes, the motion to proceed to a vote on the final bill will require 60 Goal is passage by State of the Union Address (February 2nd) This goal will be very difficult to achieve ,What Needs to be Changed Clarifying the Role of the States Minimum Loss Ratio Requirements Structure of the Exchanges Agent-Broker Language needs to be clarified Regulatory authority overall ,Additional Key Issues Taxes need to be eliminated or delayed until major reforms begin Effective dates need to be at least 12 months after enactment High risk pool funding needs to focus on existing high risk pool and alternative mechanism structures rather than creating new federal entities. ,Additional Key Issues Personal responsibility requirements/individual mandate Age rating Insurance pooling requirements Public Option still in House language ,Issues of Concern for You and Your Clients Employer Mandates and Waiting Periods Senate language likely to prevail Employers over 50 must provide coverage or pay $750 penalty per FTE if even one employee is eligible for subsidies Part-time and seasonal employees excluded Full time means 30 or more hours per week averaged on a monthly basis ,Issues of Concern for You and Your Clients Employer Mandates and Waiting Periods Allows maximum 90 day waiting period Penalties for waiting periods longer than 60 days of $600 per employee Employees who are not eligible for subsidies can opt out of employer coverage with voucher for full employer contribution if employee share of premiums exceeds 9.8% of household income. House language much more onerous. ,Issues of Concern for You and Your Clients ERISA Unclear whether Senate language will prevail Senate bill retains exclusive federal regulation of self-funded plans Many new requirements on ALL plans, including new automatic enrollment procedures for employers with more than 200 employees, new notice requirements, and new reporting requirements ,Implementation IssuesWhat is effective at Enactment? Coverage for reconstructive surgery for children with congenital or developmental deformities (House) All plans in all market segments Group pre-existing conditions waiting period changes from 6/12 to 1/3. (House) All plans in all market segments Pre-existing conditions limitations due to domestic violence are prohibited (House) All plans in all market segments ,Implementation IssuesWhat is effective in six months? No lifetime limits (at enactment in House) All new plans (Senate); All plans in House Restrictions on annual limits All plans in all market segments Coverage for specific preventive services with no cost-sharing All plans in all market segments Elimination of pre-existing exclusions for children under 19 All new plans in all market segments ,Implementation IssuesWhat is effective in six months? Extension of dependent coverage to 26 (at enactment in House) All new plans in Senate; All plans in House Restrictions on rescission of policies All new plans in Senate; All plans in House New appeals process All new plans in all market segments No discrimination in coverage or premium based on salary All group plans ,GRIP Program HUPAC Distributions Phone calls, letters, emails and Faxes Consumer/Employer
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Health Care in 2016: An Update for HR Professionals
Kick off enrollment season with a comprehensive review of the legislative changes for 2016. This webinar focuses on what you need to know for successful enrollment and ACA reporting. Learn about new legislation from DOL, HHS, IRS, and EEOC. ERISA attorney Larry Grudzien will cover all relevant rulings since his previous webinar. It’s a webinar you (and your compliance strategy) can’t afford to miss.
Просмотров: 55 benefitexpress
Court Overturns Mutual of Omaha's Denial of Benefits
In this video Attorneys Gregory Dell & Rachel Alters discuss the courts decision to overturn a United of Omaha’s (aka Mutual of Omaha) termination of disability Insurance benefits after performing an unfair “any occupation” review. Learn more about Mutual of Omaha http://www.diattorney.com/mutual-of-omaha/ If you need assistance with your disability insurance claim, contact Attorneys Dell & Schaefer for a Free Consultation. Please contact any of our disability lawyers to discuss your claim by calling 855-319-4421 or by email http://www.diattorney.com/free-consultation/?referrer=yt ---------------------------------------------------------------------------- 6 WAYS WE HELP DISABILITY INSURANCE POLICY HOLDERS 1 – Application for Disability Insurance Benefits: http://www.diattorney.com/disability-application/?referrer=yt 2 - Appeal Of A Group Disability Denial (ERISA): http://www.diattorney.com/group-erisa-claim-denial/?referrer=yt 3 - ERISA Disability Insurance Lawsuits: http://www.diattorney.com/erisa-lawsuits-trials/?referrer=yt 4 - Private Disability Insurance Benefit Denials (Non-ERISA): http://www.diattorney.com/disability-claim-denial-benefits-denied/?referrer=yt 5 - Monthly Disability Insurance Claim Handling: http://www.diattorney.com/monthly-claim-handling/?referrer=yt ---------------------------------------------------------------------------- Our nationwide disability insurance attorneys have represented thousands of disabled claimants with their claims for short term disability, long term disability, or long-term care benefits against every major disability insurance company. We do not charge any fees or costs unless we are able to recover benefits.
HRM 531 Final Exam
http://www.onlinehomework.guru/product/hrm-531-final-exam/ 1. Which question should not be important in evaluating the value of training? Was the cost of training within the budget? Is the change due to training? Is the change positive related to organizational goals? Did change occur? 2. For organizations, _________ is an indirect cost associated with downsizing administrative processing an increase in the unemployment tax rate outplacement severance pay 3. Employee demotions usually involve a reduction in pay but no loss of opportunity, status, or privilege a decrease in status and privilege but no loss of opportunity or pay an increase in pay and more responsibility a cut in pay, status, privilege, or opportunity 4. Hard quotas represent a mandate to hire or promote specific numbers or proportions of women or minority group members systematically favor women and minorities in hiring and promotion decisions are a commitment to treat all races and sexes equally in all decisions about hiring, promotion, and pay are a concerted effort by the organization to actively expand the pool of applicants so that no one is excluded because of past or present discrimination 5. Because practical considerations make job tryouts for all candidates infeasible, it is necessary to __________ the relative level of job performance for each candidate on the basis of available information 6. _____ analysis is the level of analysis that focuses on employees specifically 7. Title VII of the _____________ states that top executives in companies receiving government support can retract bonuses, retention awards, or incentives paid to the top five senior executive officers or the next 20 most highly compensated employees based on corporate information that is later found to be inaccurate 8. Which is not a quality of Generation Y? 9. This made extensive changes to the Employee Retirement Income Security Act (ERISA) of 1974 that governs employer-sponsored, qualified (for tax deferral) retirement-benefit plans 10. When companies discover they can communicate better with their customers through employees who are similar to their customers, those companies then realize they have increased their _____ diversity. 11. Mary arrives at her new job. Before she can begin actually doing the work, she must complete a series of activities including role playing and virtual reality interactions. What type of training method does Mary's new employer use? 12. If employers fail to check closely enough on a prospective employee who then commits a crime in the course of performing his or her job duties, they can be held liable for 13. _____ proceeds from an oral warning to a written warning to a suspension to dismissal. 14. Which of the following is a distinctive feature of the U.S. system compared with other countries? 15. If objective performance data are available, which of the following is the best strategy to use? 16. _____ implies that appraisal systems are easy for managers and employees to understand and use. 17. Training that results in ______ is costly because of the cost of training (which proved to be useless) and the cost of hampered performance. 18. A _____ occurs when parties are unable to move further toward settlement. 19. In _____, workers have been fired for refusing to quit smoking, for living with someone without being married, drinking a competitor's product, motorcycling, and other legal activities outside of work. 20. Organizations periodically turn to _________ to meet demandsfor talent brought about by business growth and a desire for fresh ideas, or to replace employees who leave. 21. ________________ include everything in a work environment that enhances a worker's sense of self-respect and esteem by others. 22. The Civil Rights Act of 1991 offered what for victims of unintentional discrimination? 23. Properly designed incentive programs work because they are based on two well-accepted psychological principles: (1) increased motivation improves performance and (2) 24. ___________ is the process where managers provide feedbackto the employees regarding their past and present job performance proficiency, as well as a basis for improving performance in the future. 25. When conduction a performance feedback discussion, active listening requires 26. What can affirmative action assist organizations in achieving that diversity initiatives cannot? 27. In determining the competitiveness of benefits, senior management tends to focus mainly on 28. What is our country's income maintenance program? 29. ____________ is the biggest hurdle to overcome in a pay-for-performance plan. 30. To avoid legal difficulties related to performance appraisals and enhance credibility in court, employers should
Просмотров: 1166 Zook Floyd
Kerry interviews Courtney Brown from http://farsight.org about his team's remote viewing of the Bible phrase "war in heaven". GO to The Farsight Institute http:// www.farsight.org to view the sessions related to this topic. About RV: (from Farsight.org ..."Remote viewing is a controlled and trainable mental process involving psi (or psychic ability). It is used to transfer perceptual information across time and space. It is clear that remote viewing works in complete violation of the accepted "laws" of quantum and relativistic physics. So those "laws" are incomplete. There is a theory about why it works on the level of physics, but that theory has not yet gained mainstream acceptance. The core of that theory involves an interpretation of quantum mechanics that is known as the "Other Worlds" interpretation of the famous "two-slit experiment" that was developed by Hugh Everett and published in 1957. A majority of mainstream physicists currently do not support that theory, but the number of physicists who do support it is significant and growing. Remote-viewing procedures were originally developed in laboratories funded by the United States military and intelligence services and used for espionage purposes. The scientific understanding of the remote-viewing phenomenon has greatly advanced in recent years, and as a result the process of remote viewing can now be reliably demonstrated in both laboratory and operational settings. There are a number of styles of remote-viewing procedures that are popularly practiced, such as Scientific Remote Viewing (SRV), Controlled Remote Viewing (CRV), as well as a few others. Remote viewers use one or more of these styles to gather descriptive data of a "target," which is usually some place or event at some point in time. Remote viewing is always done under blind conditions, which means that the remote viewer must know nothing about the target when conducting the remote-viewing session. All of the various styles of remote viewing require both training and regular practice in order for a remote viewer to become proficient. Remote viewing is normally considered a controlled shifting of awareness that is performed in the normal waking state of consciousness, and it does not typically involve an out-of-body experience, hypnosis, an altered state of consciousness, or channeling." Courtney Brown, Ph.D. The Farsight Institute Web: www.courtneybrown.com Also: www.farsight.org Also: www.farsightpresentations.com Email: courtney4@farsight.org KERRY CASSIDY PROJECT CAMELOT http://projectcamelot.tv
Просмотров: 47298 Project Camelot
Trump administration rolls out health plan rules that could weaken Obamacare
The Trump administration on Thursday proposed new rules to let certain small businesses and trade groups band together to buy health care, in its latest move that could weaken Obamacare's insurance marketplaces. The expansion of so-called association health plans is part of a broader effort to encourage the rise of cheaper coverage options that are exempt from certain Obamacare patient protections and benefit rules. The proposed rules stem from an executive order President Donald Trump signed in October directing federal agencies to loosen restrictions on short-term health insurance and association health plans, in a bid to create more insurance competition and drive down premiums. The administration's move was praised by many business groups and conservative lawmakers, including Sen. Rand Paul (R-Ky)., who has long advocated for an expansion of such plans. "Conservative health care reform is alive and well, and I will keep working with President Trump to build on this progress," Paul said in a statement. However, state insurance regulators and Obamacare advocates have warned that lax rules could open the door to a new wave of poorly regulated health plans that exclude coverage of key services required by the Affordable Care Act, such as hospitalizations and prescription drugs. “The Trump administration has declared open season for fraudsters selling junk insurance while those with pre-existing conditions will find health care further and further out of reach,” said Sen. Ron Wyden (D-Ore)., the top Democrat on the Senate Finance Committee. The association plans, however, aren’t exempt from the popular Obamacare provision banning insurers from charging people more or denying coverage based on a pre-existing condition. The new Labor Department rules come shortly after Congress eliminated the individual mandate in its tax overhaul a move that will likely result in fewer people signing up for insurance — particularly the young and healthy. The rules specify that self-employed individuals, who can now purchase individual coverage through the Obamacare markets, would be able to join association plans. That, along with a looming Trump administration proposal to expand the availability of short-term insurance plans, could further erode enrollment in Obamacare's insurance marketplaces. “Any one of those steps in isolation wouldn’t necessarily destabilize the markets, but the combination of all these actions is likely to make insurers very nervous," said Larry Levitt, senior vice president for health reform at the Kaiser Family Foundation. "The ultimate risk is that more insurers decide that the market is too risky and they exit, leaving counties with no options at all." Republicans continue to vow to repeal the federal health care law, although there is disagreement on whether there is the political will to take up the issue after several failed efforts last year and their already slim Senate majority narrowed after Alabama's special election. Enrollment in 2018 Obamacare health plans was surprisingly strong, despite repeal efforts and Trump’s attacks on the health care law. About 8.7 million people signed up for coverage on HealthCare.gov, down slightly from the previous year, and enrollment is still taking place in some states running their own marketplaces. But individuals who make too much to qualify for insurance subsidies — which is roughly half of the overall individual insurance market — are facing sky-high premiums in many states after years of double-digit rate increases. The administration is proposing to rewrite existing regulations under the federal ERISA law to let more groups qualify as associations that can purchase coverage outside the Obamacare markets. Specifically, it would loosen rules that limit such plans by geography and industry, potentially allowing business owners from different sectors or different states to more easily band together. Trade groups and small business associations have argued that the newfound leeway would expand their purchasing power, increasing health care choices for small employers and franchise operators. The International Franchise Association, for example, said that it will look into the possibility of offering coverage to its members. "I think that this just provides more flexible tools and options for employers to offer their employees," said Suzanne Beall, the group's vice president for government relations and public policy. "More tools and options is always a good thing." The ramifications of the proposed changes on the insurance markets will ultimately depend on how much interest there proves to be for association plans under the looser rules. Dan Mendelson, president of consulting firm Avalere Health, believes that state regulators will still be allowed to impose their own rules on insurers offering association plans — perhaps blunting their spread in states that support Obamacare. “States still have the responsibility under state law to ens
Просмотров: 9 NEWS HEADLINES CN1
Legal 09 - Employee Safety, Health, and Benefits
Chapter 9 presentation from the Legal Aspects of Emergency Services textbook (Jones & Bartlett learning, 2016, ISBN 9781284212686), covering employee safety, health, and benefits.
Просмотров: 49 WCTCFIRE
HLS Library Book Talk: "Big Data, Health Law, and Bioethics"
On Wednesday Sept. 12, the Harvard Law School Library hosted a book talk and discussion in celebration of the recent publication of "Big Data, Health Law, and Bioethics," edited by I. Glenn Cohen, Holly Fernandez Lynch, Urs Gasser, and Effy Vayena. The talk was co-sponsored by the Petrie-Flom Center for Health Law Policy, Biotechnology and Bioethics and by the Berkman Klein Center for Internet & Society at Harvard University.
Просмотров: 664 Harvard Law School
Is Pluto a planet?
Help support videos like this: http://www.cgpgrey.com/subbable **CGPGrey T-Shirts for sale!**: http://goo.gl/1Wlnd Grey's blog: http://blog.cgpgrey.com/ If you would like to help me make more videos please join the discussion on: Google+: http://plus.google.com/115415241633901418932/posts Twitter: http://twitter.com/#!/cgpgrey Facebook: http://www.facebook.com/pages/Greys-Blog/193301110697381
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The Case for $20,000 oz Gold - Debt Collapse - Mike Maloney - Silver & Gold
Find Mike's latest videos here: http://HiddenSecretsOfMoney.com Why Gold & Silver: http://youtu.be/E5VNAEmmBQM For more visit us at: http://GoldSilver.com Mike Maloney is the author of the world's best selling book on precious metals investing. Since 2003 he has been advocating gold and silver as the ultimate means of protecting wealth from the games played by our governments and banking sector. In this 90 minute presentation he lays down his 'most likely' scenario for the global economy over the next deacde...short term deflation, followed by big or even hyperinflation. Here you will learn the true definitions of inflation/deflation, the difference between currency and money, price vs value, 'Wealth Cycles', gold and silver accounting for the expansion of fiat currency, gold and silver supply and demand, the differences between the today's bull market and that of the 1970s, The Debt Collapse, and more. Mike sends out a free weekly newsletter from each of the above sites each with valuable information on the economy and gold & silver, see you there. Default Greek Greece Debt Crisis Debt Debt Ceiling Ron Paul Newt Gingrich
Просмотров: 1905114 GoldSilver (w/ Mike Maloney)
Advocate Health Care Network v. Stapleton: Oral Argument - March 27, 2017
Facts: The Employee Retirement Income Security Act of 1974 (ERISA) protects employees from unexpected losses in their retirement plans by putting in place required safeguards on plans that qualify for ERISA protections. Church plans are exempted from the Act and its protections to prevent excessive entanglement of the government with religion through regulation. Maria Stapleton and the other plaintiffs in this case are a group of employees who work for Advocate Health Care Network (Advocate), which operates hospitals, inpatient, and outpatient treatment centers through northern Illinois, and are members of Advocate’s retirement plan. Advocate formed in 1995 as the result of a merger between two religiously affiliated hospital systems (though neither system was owned or financially operated by the church with which it was affiliated). Advocate is also affiliated with a church, and though it is not owned or financially operated by the church, it maintains contracts with the church and “affirms [the church’s] ministry.” The plaintiffs in this case sued Advocate and argued that the Advocate retirement plan is subject to ERISA, and therefore Advocate has breached its fiduciary duty by failing to adhere to ERISA’s requirements. The defendants moved for summary judgment because the Advocate plan fell under the ERISA exemption for church plans. The district court denied the motion because it determined that a plan established and maintained by a church-affiliated organization was not a church plan within the meaning of the statutory language. The U.S. Court of Appeals for the Seventh Circuit affirmed, and this case was consolidated with two other ones presenting the same issue before the Supreme Court. Question: Does the exemption to the Employee Retirement Income Security Act of 1974 (ERISA) for church plans apply when the plan is maintained by an otherwise qualifying church-affiliated organization even though a church did not establish the plan? For more information about this case see: https://www.oyez.org/cases/2016/16-74 Section 1: 00:00:05 Section 2: 00:18:32 Section 3: 00:29:27 Section 4: 00:59:41 PuppyJusticeAutomated videos are created by a program written by Adam Schwalm. This program is available on github here: https://github.com/ALSchwalm/PuppyJusticeAutomated The audio and transcript used in this video is provided by the Chicago-Kent College of Law under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License. See this link for details: https://creativecommons.org/licenses/by-nc/4.0/
Просмотров: 138 PuppyJusticeAutomated
18.  Professional Money Managers and Their Influence
Financial Markets (ECON 252) Most people are not very good at dealing in financial markets. Professional money managers, such as financial advisors and financial planners, assist individuals in matters of personal finance. FINRA and the SEC monitor the activities of these managers in order to protect individual investors. Mutual funds, exchange traded funds also exist to assist individual investments, and pension funds provide further services. These investment institutions help people to put money in diversified portfolios and, in some cases, reap some tax benefits for funding their retirement income. 00:00 - Chapter 1. Introduction 04:01 - Chapter 2. Financial Advisors and Financial Planners 15:20 - Chapter 3. Assets of U.S. Households and Nonprofits 24:09 - Chapter 4. Mutual Funds, ETFs, and Spendthrift Funds 41:53 - Chapter 5. Pension Funds: A History 54:53 - Chapter 6. Modern Innovations for Pension Management: ERISA and Beyond Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses This course was recorded in Spring 2008.
Просмотров: 24714 YaleCourses
Mental Health Parity and Addiction Equity Act: Final Rule Constituency Briefing
Friday, November 8, 2013, the U.S. Departments of Health and Human Services, Labor and the Treasury jointly issued a final rule increasing parity between mental health/substance use disorder benefits and medical/surgical benefits in group and individual health plans. In this video, SAMHSA Administrator, Pam Hyde facilitates a constituency briefing about the final rule in implementing the Mental Health Parity and Addiction Equity Act (MHPAEA). Featured panelists are James Mayhew of the Centers for Medicare and Medicaid Services, Kirsten Berino of the U.S. Department of Health and Human Services/Office of the Assistance Secretary for Planning and Evaluation, and Amy Turner of U.S. Department of Labor/Office of Health Plan Standards and Compliance Assistance. Find out more about the final MHPAEA rule at https://s3.amazonaws.com/public-inspection.federalregister.gov/2013-27086.pdf or visit http://beta.samhsa.gov/health-reform/parity.
Просмотров: 1299 SAMHSA
Confessions of a 401(k) Freak with Michael Fennessey
Michael Fennessey is the Regional Sales Director for Ameritas and an expert when it comes to 401(k) plans and inspiring business owners and their employees to save for retirement. For the past 14 years Michael has helped a variety of companies from small business owners to Fortune 500 companies with implementing employee benefits. For the past four years he’s concentrated his work on how to create situations where there is tax-free money available at retirement. In this episode, Paul and Michael will teach you about strategies regarding your retirement plan and how it’s more than just the investments you make. If you’re a business owner or an entrepreneur, you will learn how putting money in and out of the plan and how you choose to put money in for your employees impacts how much you can add. For full show notes and to download a FREE copy of the transcript for this episode, visit: http://www.sfgwa.com/blog Paul Adams is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Securities products and advisory services offered through PAS, member FINRA, SIPC. PAS is an indirect, wholly owned subsidiary of Guardian. Sound Financial Group is not an affiliate or subsidiary of PAS or Guardian. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Guardian or PAS unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results. This Material is Intended For General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation, or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. 2018-55186 Exp. 2/20 Chapters: 00:03:51 Michael’s background and the work he’s been focusing on over the past 4 years 00:08:30 The tax benefits that comes with choosing a Roth 401(k) 00:14:15 The catch-up provision in your 401(k) 00:15:28 In-plan Roth conversions 00:18:49 Michael’s 401(k) scorecard giveaway 00:26:03 Michael gives an example where a couple used a certain tax strategy to extract value from a business and get it on their personal balance sheet 00:28:21 Required minimum distribution and the penalty for not taking it at 70 and a half years old 00:32:26 Roth dollars not requiring minimum distributions 00:33:32 How business owners can put hundreds of thousands of dollars a year from the business balance sheet to their personal balance sheet 00:36:35 ERISA code 410B: Benefit coverage and highly compensated employees 00:39:50 How coverage works in a cash-balance plan 00:46:09 The biggest reason that stops business owners from exploring being more creative in their 401(k) strategies
Просмотров: 29 Sound Financial Group
Public and Private Benefits
Friday, October 12, 2018 MDL at 50 The Center on Civil Justice hosted MDL at 50, commemorating the 50th anniversary of the 1968 Multidistrict Litigation Statute. This conference was co-hosted by the Center on Civil Justice at NYU Law School and the Liman and Solomon Centers at Yale Law School. Moderator: •Judith Resnik '75, Yale Law School Panelists: • Brian Fitzpatrick, Professor, Vanderbilt University Law School • Shira Scheindlin, Of Counsel, Stroock & Stroock & Lavan; former United States District Judge, Southern District of New York • Margaret Williams, Senior Researcher, Federal Judicial Center • Douglas Woodlock, United States District Judge, District of Massachusetts • Allison Zieve, Director, Public Citizen
Просмотров: 38 NYU School of Law
Understanding Your Health Insurance
As people arrive on campus and get ready for a new school year, some may experience changes in the way their health insurance works. This workshop is designed to help you understand the types of plans out there and how to make sure you have the one that's right for you.
Просмотров: 40 Common $ense
Phased Retirement An Employee Perspective
Просмотров: 9415 USOPM
Retirement Plans
This video looks at the characteristics of defined benefit and defined contribution plans.
Просмотров: 89 DaveWilhelmNC
5500 Forms Access via DGEM
File right, file fast with EFAST 5500 and other government forms To learn more see our website at http://www.asc-net.com
Просмотров: 235 actuarialSC
Tips on How to Get and Use your Health Insurance
Presenter: Joanna Fawzy Morales Esq., Triage Cancer In this video, Ms. Morales will discuss: • Health insurance terms • Options of health insurance policies • Patient Protection & Affordable Care Act • Essential health benefits • Consumer protections and benefits • Health insurance appeals • Medicare • Medagap • Medicaid • State Health Insurance Marketplaces, enrollment periods • Comparing plan options • Resources This 55-minute video is a recording of the workshop conducted at the 2018 Celebrating a Second Chance at Life Survivorship Symposium. Meet Ms. Joanna Fawzy Morales: https://triagecancer.org/joanna-fawzy-morales-esq Who We Are: Blood & Marrow Transplant Information Network (BMT InfoNet) is dedicated to providing transplant patients, survivors and their loved ones with emotional support and high quality, easy-to-understand information about bone marrow, peripheral blood stem cell and cord blood transplants. Our goal is to empower patients and survivors with credible information and emotional support, so that they can take a more active role in decisions affecting their health and treatment options before, during and after transplant. www.bmtinfonet.org VISIT US ON SOCIAL MEDIA: https://www.facebook.com/bmtinfonet/ https://www.facebook.com/bonemarrowstemcelltransplantclub/ https://twitter.com/BMTInfoNet
Просмотров: 85 BMT InfoNet
Day 3 of Supreme Court hearings on The Affordable Care Act - Pt. 1
The Supreme Court justices on Wednesday morning heard the last day of oral arguments in the health care reform law suit.
Просмотров: 1958 PBS NewsHour
Ard Smith Healthcare Rally
Chair of the Pikes Peak chapter of the Sierra Club, Jane Ard-Smith, addresses the rally before the march. Top Myths about Healthcare Reform Myth 5: It will ban private health insurance for individuals. Those who currently have private individual coverage won't be able to change it. Nor will those who leave a company to work for themselves be free to buy individual plans from private carriers. Fact: It doesn't outlaw private insurance. There will be individual policies available, but people will buy those policies through the national health insurance exchange, she said. The House bill allows for existing policies to be grandfathered in, so that people who currently have individual health insurance policies will not lose coverage. The line the editorial refers to is a clause that says the health insurance companies cannot enroll new people into the old plans. Individual private health insurance means coverage that someone buys on his or her own from a private company. In other words, it's for people who can't get coverage through work or some other group, and the rates tend to be much higher. Background: Page 16 defines what coverage will be considered grandfathered coverage; that is, coverage in existence today which would not be in compliance with new standards imposed by the law. What it says: Any individual insurance policy (as opposed to a group insurance policy) that is in effect today will be permitted to remain in effect; however, any new policies issued after the law becomes effective will be required to comply with the standards set out in the section relating to policies offered via the new Health Insurance Exchange. What it does: The purpose of the provision is to bring policy offerings into line with the minimum benefit tiers and provisions required under the new law Source: HR 3200, America's Affordable Health Choices Act of 2009 Myth 6: 5.6 Million illegal immigrants will be covered by ObamaCare. In another form: All non-US citizens, illegal or not, will be provided with free healthcare services 5.6 Million illegal immigrants will be covered by ObamaCare. In another form: All non-US citizens, illegal or not, will be provided with free healthcare services Fact: Illegal immigrants are specifically excluded from coverage. Of course, this means that they will be continue to get their healthcare from expensive emergency rooms, so that may not actually be a good thing. The section on page 50 of HR 3200 aligns Health Insurance Exchange policies with other laws currently in effect, such as the Public Health Service Act, State law, and ERISA. Health care cannot trump other laws already in effect. According to Americas Affordable Health Choices Act of 2009, Page 143, Line 3, Section 246: No Federal Payment for Undocumented Aliens. Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States. Source: HR 3200, America's Affordable Health Choices Act of 2009 Myth 7: Some people wont be covered. Fact: All people will have the opportunity to be covered, either via employer-provided plans or via the Health Insurance Exchange, which includes the public option. Those who opt out of coverage will be required to pay a penalty, which will be deposited to the general fund maintained for the public option. The penalty is intended to offset the cost of adverse selection; that is, those who opt out when healthy and later opt in at the point of illness or diagnosed chronic conditions. (Page 167 of HR3200, Title IV, Subtitle A, Part I, Sec. 401). The only group excluded will be illegal aliens. Source: HR 3200, Americas Affordable Health Choices Act of 2009 http://rmc.sierraclub.org/ppg/ http://www.peakdems.org/ http://CSaction.org http://csaction.org/TPs/TP_LAMEborn.html http://www.healthcareforallcolorado.org/ http://www.barackobama.com/ http://www.aarp.org/ http://www.seiu.org/ http://www.ufcw7.com http://www.coloradansforpeace.org/ http://www.theafricanamericanvoice.com/
Просмотров: 132 CSaction
Supreme Court: The Term in Review (2009-2010) Part 2 of 2
A review of this term's U.S. Supreme Court decisions most likely to affect the work of federal judges examines opinions deciding First, Fifth, and Sixth Amendment issues, as well as habeas corpus, criminal procedure, sentencing, federalism, federal court jurisdiction and commercial law issues. Our faculty include Dean Erwin Chemerinsky (University of California -- Irvine, School of Law); and Professors Evan Lee (University of California, Hastings College of the Law), Laurie Levenson (Loyola Law School), and Suzanna Sherry (Vanderbilt University Law School).
Просмотров: 4329 United States Courts
CalPERS Pension & Health Benefits Committee - December 17, 2013
The committee discusses agenda items 1-11.
Просмотров: 155 CalPERS
Convention 2018: Saturday, Oct. 20: PM
Просмотров: 24 MGEU
Environmental, social and corporate governance
Environmental, social and governance (ESG) refers to the three main areas of concern that have developed as central factors in measuring the sustainability and ethical impact of an investment in a company or business. Within these areas are a broad set of concerns increasingly included in the non-financial factors that figure in the valuation of equity, real-estate, corporations and fixed-income investments. ESG is the catch-all term for the criteria used in what has become known as socially responsible investing. Socially responsible investing, including ESG, is among several related concepts and approaches that influence and, in some cases govern, how asset managers invest portfolios. This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
Просмотров: 194 Audiopedia
Consolidated Omnibus Budget Reconciliation Act of 1985
The Consolidated Omnibus Budget Reconciliation Act of 1985 (or COBRA) is a law passed by the U.S. Congress on a reconciliation basis and signed by President Ronald Reagan that, among other things, mandates an insurance program giving some employees the ability to continue health insurance coverage after leaving employment. COBRA includes amendments to the Employee Retirement Income Security Act of 1974 (ERISA). The law deals with a great variety of subjects, such as tobacco price supports, railroads, private pension plans, emergency room treatment, disability insurance, and the postal service, but it is perhaps best known for Title X, which amends the Internal Revenue Code and the Public Health Service Act to deny income tax deductions to employers (generally those with 20 or more full-time equivalent employees) for contributions to a group health plan unless such plan meets certain continuing coverage requirements. The violation for failing to meet those criteria was subsequently changed to an excise tax. Although this statute became law on April 7, 1986, its official name is the Consolidated Omnibus Budget Reconciliation Act of 1985 (Pub.L. 99–272, 100 Stat. 82). Because of the discrepancy between the official name of the Act and the year in which it was enacted, some government publications refer to the Act as the Consolidated Omnibus Budget Reconciliation Act of 1986. The Act is often referred to simply as "COBRA". This video is targeted to blind users. Attribution: Article text available under CC-BY-SA Creative Commons image source in video
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Health insurance in the United States | Wikipedia audio article
This is an audio version of the Wikipedia Article: Health insurance in the United States Listening is a more natural way of learning, when compared to reading. Written language only began at around 3200 BC, but spoken language has existed long ago. Learning by listening is a great way to: - increases imagination and understanding - improves your listening skills - improves your own spoken accent - learn while on the move - reduce eye strain Now learn the vast amount of general knowledge available on Wikipedia through audio (audio article). You could even learn subconsciously by playing the audio while you are sleeping! If you are planning to listen a lot, you could try using a bone conduction headphone, or a standard speaker instead of an earphone. You can find other Wikipedia audio articles too at: https://www.youtube.com/channel/UCuKfABj2eGyjH3ntPxp4YeQ You can upload your own Wikipedia articles through: https://github.com/nodef/wikipedia-tts "The only true wisdom is in knowing you know nothing." - Socrates SUMMARY ======= Health insurance in the United States is any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance, or a social welfare program funded by the government. Synonyms for this usage include "health coverage", "health care coverage", and "health benefits". In a more technical sense, the term "health insurance "is used to describe any form of insurance providing protection against the costs of medical services. This usage includes private insurance and social insurance programs such as Medicare, which pools resources and spreads the financial risk associated with major medical expenses across the entire population to protect everyone, as well as social welfare programs like Medicaid and the Children's Health Insurance Program, which both provide assistance to people who cannot afford health coverage. In addition to medical expense insurance, "health insurance" may also refer to insurance covering disability or long-term nursing or custodial care needs. Different health insurance provides different levels of financial protection and the scope of coverage can vary widely, with more than 40% of insured individuals reporting that their plans do not adequately meet their needs as of 2007.The share of Americans without health insurance has been cut in half since 2013. Many of the reforms instituted by the Affordable Care Act of 2010 were designed to extend health care coverage to those without it; however, high cost growth continues unabated. National health expenditures are projected to grow 4.7% per person per year from 2016 to 2025. Public healthcare spending was 29% of federal mandated spending in 1990 and 35% of it in 2000. It is also projected to be roughly half in 2025.
Просмотров: 6 wikipedia tts
Dartmouth Alumni of the Civil Rights Movement
Community Lunch Panel Dartmouth Alumni of the Civil Rights Movement Thursday, January 19 12 noon--1:30 pm, Collis Common Ground William Burton '65, Roger Daly '67, Dirk DeRoos '68, and Paul Stetzer '67 share their experiences as activists working in the voter registration effort of the civil rights movement. Facilitated by Denise Anthony, Associate Professor of Sociology and Research Director, Institute for Security, Technology, and Society, Dartmouth College. 1965 DAM article on Dartmouth students, including some of these speakers, who were engaging in civil rights activism Speaker Bios Associate Professor of Sociology Denise Anthony, former Chair (2007--11) of the Sociology Department, currently serves as Research Director of Dartmouth's Institute for Security, Technology, and Society and as a Faculty Affiliate with the Center for Health Policy Research at The Dartmouth Institute for Health Policy and Clinical Practice. Her research interests include collective action and trust, economic sociology, and the sociology of health care. Deeply moved by the Montgomery bus boycott and the Greensboro sit-ins, William Burton '65 participated in 1964 in voter registration work in the Mississippi Summer Project followup. This experience influenced him to remain actively involved in politics throughout his life. In 1991 he ran for and was elected as Town Supervisor of Ossining, New York. Though retiring after three two-year terms, he returned to political service in 2005 upon his election as a Westchester County Legislator. Outside of politics, Mr. Burton's career has included working and owning his own businesses in the publishing and printing industries in New York City. Roger Daly '67 met Martin Luther King Jr. in 1962 when King spent a week at Groton teaching classes. Strongly influenced by this experience, he later joined the Civil Rights Movement as a volunteer field worker for SNCC in the Mississippi Delta and Selma, Alabama. During this time he was beaten twice and was jailed for standing on the courthouse sidewalk while accompanying Selma residents seeking to register to vote. An ordained minister in the United Church of Christ, Reverend Daly has been a pastoral minister for 41 years. He received his M.Div. from Gordon-Conwell Theological School and his M.Ed. in clinical psychology from the University of New Hampshire. Dirk DeRoos '68 spent most of the first months of his freshman year not in Hanover, but in Neshoba County, Mississippi. He recalls this experience participating in civil rights work as being both defining and transformational. After graduating from Dartmouth, he earned his J.D. at Indiana University. He then went on active duty as an Army officer with the field artillery before entering private practice. Mr. DeRoos is currently a partner in the Denver office of the international law firm of Faegre Baker Daniels. His courtroom experience, in state and federal court at the trial and appellate levels, often involves claims under Title VII, the ADEA, the ADA, federal and state civil rights and pay statutes, and ERISA. His experience in Mississippi with the DCU influenced Paul Stetzer '67 to become involved not only in the Civil Rights Movement but also in anti-poverty, anti-war, environmental, and women's and gay rights movements. His career in education has included work with the pre-school anti-poverty program Get Set (while there, he helped found a labor union for that organization's workers), as an environmental educator at the Schuylkill Valley Nature Center, and as a teacher of environmental science at the Germantown Friends School. He has more recently turned to documentary photography with a continuing project entitled "Democracy Is Coming."
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United States labor law | Wikipedia audio article
This is an audio version of the Wikipedia Article: United States labor law 00:03:49 1 History 00:19:20 2 Contract and rights at work 00:21:04 2.1 Scope of protection 00:28:20 2.2 Contract of employment 00:34:44 2.3 Wages and pay 00:43:38 2.4 Working time and family care 00:49:49 2.5 Pensions 01:01:16 2.6 Health and safety 01:02:12 2.7 Income tax 01:02:29 2.8 Civil liberties 01:05:12 3 Workplace participation 01:07:33 3.1 Labor unions 01:15:43 3.2 Collective bargaining 01:25:57 3.3 Right to organize 01:32:28 3.4 Collective action 01:38:16 3.5 Right to vote at work 01:45:55 4 Equality and discrimination 01:48:12 4.1 Constitutional rights 01:50:51 4.2 Equal treatment 01:58:37 4.3 Equal impact and remedies 02:03:42 4.4 Affirmative action 02:09:46 4.5 Free movement and immigration 02:10:49 5 Job security 02:11:22 5.1 Dismissal protections 02:15:38 5.2 Redundancies 02:16:05 5.3 Unemployment 02:18:35 5.4 Trade and international law 02:21:23 6 Labor law in individual states 02:21:34 6.1 California 02:22:53 6.2 New Jersey 02:23:40 6.3 Laws restricting unions 02:24:18 7 Enforcement of rights 02:25:30 8 See also Listening is a more natural way of learning, when compared to reading. Written language only began at around 3200 BC, but spoken language has existed long ago. Learning by listening is a great way to: - increases imagination and understanding - improves your listening skills - improves your own spoken accent - learn while on the move - reduce eye strain Now learn the vast amount of general knowledge available on Wikipedia through audio (audio article). You could even learn subconsciously by playing the audio while you are sleeping! If you are planning to listen a lot, you could try using a bone conduction headphone, or a standard speaker instead of an earphone. You can find other Wikipedia audio articles too at: https://www.youtube.com/channel/UCuKfABj2eGyjH3ntPxp4YeQ You can upload your own Wikipedia articles through: https://github.com/nodef/wikipedia-tts "The only true wisdom is in knowing you know nothing." - Socrates SUMMARY ======= United States labor law sets the rights and duties for employees, labor unions, and employers in the United States. Labor law's basic aim is to remedy the "inequality of bargaining power" between employees and employers, especially employers "organized in the corporate or other forms of ownership association". Over the 20th century, federal law created minimum social and economic rights, and encouraged state laws to go beyond the minimum to favor employees. The Fair Labor Standards Act of 1938 requires a federal minimum wage, currently $7.25 but higher in 28 states, and discourages working weeks over 40 hours through time-and-a-half overtime pay. There are no federal or state laws requiring paid holidays or paid family leave: the Family and Medical Leave Act of 1993 creates a limited right to 12 weeks of unpaid leave in larger employers. There is no automatic right to an occupational pension beyond federally guaranteed social security, but the Employee Retirement Income Security Act of 1974 requires standards of prudent management and good governance if employers agree to provide pensions, health plans or other benefits. The Occupational Safety and Health Act of 1970 requires employees have a safe system of work. A contract of employment can always create better terms than statutory minimum rights. But to increase their bargaining power to get better terms, employees organize labor unions for collective bargaining. The Clayton Act of 1914 guarantees all people the right to organize, and the National Labor Relations Act of 1935 creates rights for most employees to organize without detriment through unfair labor practices. Under the Labor Management Reporting and Disclosure Act of 1959, labor union governance follows democratic principles. If a majority of employees in a workplace support a union, employing entities have a duty to bargain in good faith. Unions can take collective action to defend their interests, including withdrawing their labor on strike. There are not yet general rights to directly participate in enterprise governance, but many employees and unions have experimented with securing influence through pension funds, and representation on corporate boards.Since the Civil Rights Act of 1964, all employing entities and labor unions have a duty to treat employees equally, without discrimination based on "race, color, religion, sex, or national origin." There are separate rules for sex discrimination in pay under the Equal Pay Act of 1963. Additional groups with "protected status" were added by the Age Discrimination in Employment Act of 1967 and the Americans with Disabilities Act of 1990. There is no federal law banning all sexual orientation or identity discrimination, but 22 states had passed laws by 2016. These equality laws generally prevent discrimination in hiring, terms of employment, and make discharge beca ...
Просмотров: 7 wikipedia tts
Pay Equity, Immigration, and "Reverse Preemption" Developments
71th Annual Conference on Labor: Labor and Employment Law Initiatives, Proposals, and Developments During the Trump Administration June 7, 2018 Center for Labor and Employment Law Panelists discuss salary as "a factor other than sex," pay equity/prior salary disclosure law and employment law federalism. Moderator •Amy Shulman, Broach & Stulberg Panelists •Rachel Bien, Outten & Golden •Victoria Woodin Chavey, Jackson Lewis •Roger King, HR Policy Association Additional Comments by •Christopher Wilkinson, Orrick, Herrington & Sutcliffe •Matthew Thompson, Charles River Associates
Просмотров: 18 NYU School of Law
MHSR Day 2:  Effects of the Domenici-Wellstone Parity Law and its Extensions under the ACA
The National Institute of Mental Health hosted the 23rd Conference on Mental Health Services Research (MHSR) with the theme, “Harnessing Science to Strengthen the Public Health Impact.” The MHSR is the nation’s premier mental health services research conference. The August 1-2, 2016 conference brought together leading mental health services researchers, clinicians, mental health advocates, and federal and nonfederal partners. This video from Day 2 of the MHSR Conference captures the Symposium: Emerging Research Evidence on the Effects of the Domenici-Wellstone Parity Law and its Extensions under the ACA. The video features Chair: Colleen L. Barry, Ph.D., Johns Hopkins Bloomberg School of Public Health Discussants: Howard H. Goldman, M.D., Ph.D., University of Maryland School of Medicine Kirsten Beronio, J.D., Office of the Assistant Secretary for Planning and Evaluation, D.H.H.S. An Overview of Research on the Effects of Parity Haiden Huskamp, Ph.D., Harvard Medical School Impact of the Domenici-Wellstone Parity Law on Behavioral Healthcare Benefits Francisca Azocar, Ph.D., OptumHealth Commercial Health Plans’ Responses to Federal Parity Dominic Hodgkin, Ph.D., Brandeis University
IRS tax forms
IRS tax forms are used for taxpayers and tax-exempt organizations to report financial information to the Internal Revenue Service of the United States. They are used to report income, calculate taxes to be paid to the federal government of the United States, and disclose other information as required by the Internal Revenue Code . There are over 800 various forms and schedules. The best-known of these is Form 1040 used by individuals. This video targeted to blind users. Attribution: Article text available under CC-BY-SA Public domain image source in video
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Dennis Kucinich | Wikipedia audio article
This is an audio version of the Wikipedia Article: Dennis Kucinich 00:01:08 1 Early life and education 00:01:56 2 Early political career 00:02:51 2.1 Cleveland mayor 00:04:19 2.2 Post-mayoralty 00:06:26 3 House of Representatives 00:06:56 3.1 Committee assignments 00:07:34 3.2 Domestic policy voting record 00:08:52 3.3 Foreign policy record 00:10:24 4 Presidential campaigns 00:10:34 4.1 2004 00:13:52 4.2 2008 00:15:33 5 Congressional campaigns 00:15:57 5.1 2006 00:16:17 5.2 2008 00:18:44 5.3 2010 00:19:08 5.4 2012 00:20:14 6 2018 gubernatorial campaign 00:20:55 7 Television pundit 00:21:14 8 Political positions 00:22:11 8.1 Abortion 00:22:56 8.2 Attempted impeachment of George W. Bush 00:24:06 8.3 Attempted impeachment of Dick Cheney 00:26:02 8.4 Barack Obama 00:26:21 8.5 Civil liberties 00:27:00 8.6 Donald Trump 00:28:36 8.7 Environment and energy 00:29:19 8.8 Fairness Doctrine 00:29:59 8.9 Guns 00:30:22 8.10 Health care 00:32:19 8.11 Iraq War 00:32:37 8.12 Military intervention in Libya 00:34:24 8.13 LGBT rights 00:34:45 8.14 Syria and Bashar al-Assad 00:35:54 8.15 Trade 00:36:12 8.16 Youth rights 00:36:37 9 Electoral history 00:36:47 10 Recognition 00:37:33 11 Personal life 00:38:58 12 See also Listening is a more natural way of learning, when compared to reading. Written language only began at around 3200 BC, but spoken language has existed long ago. Learning by listening is a great way to: - increases imagination and understanding - improves your listening skills - improves your own spoken accent - learn while on the move - reduce eye strain Now learn the vast amount of general knowledge available on Wikipedia through audio (audio article). You could even learn subconsciously by playing the audio while you are sleeping! If you are planning to listen a lot, you could try using a bone conduction headphone, or a standard speaker instead of an earphone. You can find other Wikipedia audio articles too at: https://www.youtube.com/channel/UCuKfABj2eGyjH3ntPxp4YeQ You can upload your own Wikipedia articles through: https://github.com/nodef/wikipedia-tts "The only true wisdom is in knowing you know nothing." - Socrates SUMMARY ======= Dennis John Kucinich (; born October 8, 1946) is an American politician. A former U.S. Representative from Ohio, serving from 1997 to 2013, he was also a candidate for the Democratic nomination for President of the United States in the 2004 and 2008 Presidential elections. He was a candidate for Governor of Ohio in the 2018 election, losing in the primary to Richard Cordray. From 1977 to 1979, Kucinich served as the 53rd Mayor of Cleveland, Ohio, a tumultuous term in which he survived a recall election and was successful in a battle against selling the municipal electric utility before being defeated for reelection by George Voinovich. Because of redistricting following the 2010 state elections, Kucinich was pitted against 9th District incumbent Marcy Kaptur in the 2012 race for the Democratic nomination of Ohio's 9th congressional district absorbed part of Cuyahoga County, which he lost. In January 2013, he became a contributor on the Fox News Channel, appearing on programs such as The O'Reilly Factor.
Просмотров: 4 wikipedia tts
R. Glenn Hubbard and Hal Varian talk at Google
R. Glen Hubbard, author of "Healthy, Wealthy, and Wise: Five Steps to a Better Health Care System", gives a talk with Hal Varian at the Google headquarters in Mountain View, CA. This video is part of the Authors@Google series. Credits: Speaker:R. Glenn Hubbard, Speaker:Hal Varian
Просмотров: 7934 Google
Beigs Chapter 4 - LO 1 & 2
Federal Income Tax Withholding, allowances & Form W-4
Просмотров: 97 Paige Paulsen
National Federation of Independent Businesses v. Sebelius: Oral Argument - March 28, 2012 (Part 3)
Facts: Check out Oyez's deep-dive into the background of the Affordable Care Act cases. Amid intense public interest, Congress passed the Patient Protection and Affordable Care Act (ACA), which became effective March 23, 2010. The ACA sought to address the fact that millions of Americans had no health insurance, yet actively participated in the health care market, consuming health care services for which they did not pay. The ACA contained a minimum coverage provision by amending the tax code and providing an individual mandate, stipulating that by 2014, non-exempt individuals who failed to purchase and maintain a minimum level of health insurance must pay a tax penalty. The ACA also contained an expansion of Medicaid, which states had to accept in order to receive Federal funds for Medicaid, and an employer mandate to obtain health coverage for employees. Shortly after Congress passed the ACA, Florida and 12 other states brought actions in the United States District Court for the Northern District of Florida seeking a declaration that the ACA was unconstitutional on several grounds. These states were subsequently joined by 13 additional states, the National Federation of Independent businesses, and individual plaintiffs Kaj Ahburg and Mary Brown. The plaintiffs argued that: (1) the individual mandate exceeded Congress' enumerated powers under the Commerce Clause; (2) the Medicaid expansions were unconstitutionally coercive; and (3) the employer mandate impermissibly interfered with state sovereignty. The District Court first addressed whether the plaintiffs had standing to bring the lawsuit. It determined that Brown had standing to challenge the minimum coverage provision because she did not have health insurance and had to make financial arrangements to ensure compliance with the provision, which would go into effect in 2014. The court further determined that Idaho and Utah had standing because each state had enacted a statute purporting to exempt their residents from the minimum coverage provision. The court also concluded that the Anti-Injunction Act did not bar the suit. The District Court then addressed the constitutional questions. It ruled that the individual mandate provision was not a valid exercise of Congress' commerce or taxing powers. The court held the entire act invalid because the mandate could not be severed from any other provision. The court dismissed the states' challenge to the employer mandates and granted judgment to the federal government on the Medicaid expansions, finding insufficient support for the contention that the spending legislation was unconstitutionally coercive. A panel of the U.S. Court of Appeals for the Eleventh Circuit affirmed 2-to-1 the District Court's holdings as to the Medicaid expansions and the individual mandate. But it also reversed the District Court, holding that the individual mandate could be severed without invalidating the remainder of the ACA. Question: Is the suit brought by respondents to challenge the minimum coverage provision of the Patient Protection and Affordable Care Act barred by the Anti-Injunction Act, 2 U.S.C. 7421(a)? Does Congress have power under Article I, Section 8 of the Constitution, specifically under the Commerce Clause or the Taxing and Spending Clause, to require most Americans to purchase health insurance? Is the individual mandate severable from the ACA? Did Congress exceed its enumerated powers and violate principles of federalism when it pressured States into accepting conditions that Congress could not impose directly by threatening to withhold all federal funding under Medicaid, the single largest grant-in-aid program? For more information about this case see: https://www.oyez.org/cases/2011/11-393 Section 1: 00:00:05 Section 2: 00:25:46 Section 3: 00:56:09 Section 4: 01:27:31 PuppyJusticeAutomated videos are created by a program written by Adam Schwalm. This program is available on github here: https://github.com/ALSchwalm/PuppyJusticeAutomated The audio and transcript used in this video is provided by the Chicago-Kent College of Law under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License. See this link for details: https://creativecommons.org/licenses/by-nc/4.0/
Просмотров: 195 PuppyJusticeAutomated
September 17, 2018 Committee of Adjustment Meeting
September 17, 2018 Committee of Adjustment Meeting
Просмотров: 40 Town Of Saugeen Shores
National Fed. of Ind. Business v. Sebelius, Day 3 of Affordable Care Oral Arguments, March 28, 2012
Day 3 of the Supreme Court's arguments on the Affordable Care Act in National Federation of Independent Business v. Sebelius were held on March 28, 2012, on the following question: Congress effected a sweeping and comprehensive restructuring of the Nation's health-insurance markets in the Patient Protection and Affordable Care Act, Pub. L. No. 111-148, 124 Stat. 119 (2010), as amended by the Health Care and Education Reconciliation Act of 2010, Pub. L. No. 111-152, 124 Stat. 109 (2010) (collectively, the "ACA" or "Act"). But the Eleventh Circuit and the Sixth Circuit now have issued directly conflicting final judgments about the facial constitutionality of the ACA's mandate that virtually every individual American must obtain health insurance. 26 U.S.C. § 5000A. Moreover, despite the fact that the mandate is a "requirement" that Congress itself deemed "essential" to the Act's new insurance regulations, 42 U.S.C. § 18091(a)(2)(I), the Eleventh Circuit held that the mandate is severable from the remainder of the Act. The question presented is whether the ACA must be invalidated in its entirety because it is non-severable from the individual mandate that exceeds Congress' limited and enumerated powers under the Constitution. For more information please visit: http://www.supremecourt.gov/Search.aspx?FileName=/docketfiles/11-393.htm
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ACA Strategy: Preparing for the Employer Mandate
Просмотров: 20 Tricom
House committee debates bill to add additional requirements on SNAP recipients
HF118 would modify terminology and asset limits related to the federal Supplemental Nutrition Assistance Program (SNAP). * Connect with House Public Information Services: www.house.mn/hinfo/hinfo.asp * Find Minnesota House of Representatives news and updates at Session Daily: www.house.mn/sessiondaily/ *Connect with the Minnesota House of Representatives: www.house.mn
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The Affordable Care Act Post-Election Update
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Hillman v. Maretta: Oral Argument - April 22, 2013
Facts: In December 1996, Warren Hillman made his wife, Judy Maretta, the beneficiary of his Federal Employees' Group Life Insurance ("FEGLI") policy. In 1998, the two divorced and Mr. Hillman remarried. Despite the divorce, Mr. Hillman never changed the beneficiary designation on his policy to his new wife, Jacqueline Hillman. In 2008, Warren died and Jacqueline Hillman attempted to claim the death benefits under his policy. Her claim was denied because she was not the named beneficiary on her husband's policy; Ms Maretta received the death benefits instead. Mrs Hillman sued Ms Maretta for the full amount of death benefits under the policy. When a divorce is finalized in Virginia, state law revokes any beneficiary designations between former spouses. State law also creates a cause of action against anyone who wrongfully receives FEGLI policy proceeds. However, federal law under the Federal Employees' Group Life Insurance Act dictates that death benefits from FEGLI policies shall go to the designated beneficiary, regardless of state regulation to the contrary. The trial court applied state law and granted summary judgment to Mrs. Hillman, but Ms Maretta appealed. The Supreme Court of Virginia reversed the lower court's decision and held that federal law preempted the state law; therefore Mr. Hillman's beneficiary designation was not revoked. Mrs. Hillman appealed to the Supreme Court of the United States. Question: Does federal law preempt a Virginia state law that revokes a spouse's beneficiary designation in a Federal Employees' Group Life Insurance policy upon divorce? Conclusion: Yes. Justice Sonia Sotomayor delivered the opinion for the 9-0 majority. The Supreme Court held that the Federal Employees' Group Life Insurance Act (FEGLIA) preempts the Virginia law. By passing FEGLIA, Congress clearly intended that the insurance proceeds go to the named beneficiary. The state law, which allows a deceased employee's family to sue a designated beneficiary for the proceeds of a FEGLI life insurance policy, conflicts with Congress' intent. Justice Thomas filed an opinion concurring in the judgment. He stated that he cannot join with the majority's conclusion because the consideration is unnecessary. The Supremacy Clause effectively repeals state laws that directly conflict with federal law as the Virginia law does with FEGLIA. In his separate opinion concurring in the judgment, Justice Samuel A. Alito Jr. stated that one of the purposes of FEGLIA is to implement the expressed wishes of the insured. Since the Virginia law has the effect of overriding an insured's choice of beneficiary, FEGLIA preempts it. For more information about this case see: https://www.oyez.org/cases/2012/11-1221 Section 1: 00:00:05 Section 2: 00:26:42 Section 3: 00:44:47 Section 4: 00:52:30 PuppyJusticeAutomated videos are created by a program written by Adam Schwalm. This program is available on github here: https://github.com/ALSchwalm/PuppyJusticeAutomated The audio and transcript used in this video is provided by the Chicago-Kent College of Law under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License. See this link for details: https://creativecommons.org/licenses/by-nc/4.0/
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House Health and Human Services Finance Committee – part 1  4/11/18
00:26 - HF2996 (Kresha) Child Welfare Training System modification required, report required, rulemaking authorized, and money appropriated. 02:17 - HF4113 (Kresha) Home visiting programs for families with young children appropriation modified. 14:29 - HF3778 (Peterson) Child care provisions relating to families experiencing homelessness modified. 22:24 - HF3251 (Zerwas) Planning estimates for the home and community-based services innovation pool modified. 32:52 - HF3860 (Albright) Senior companion program and foster grandparents program funding provided, and money appropriated. 44:37 - HF118 (Howe) Supplemental Nutrition Assistance Program asset limitations modified. The committee recessed. Runs 1 hour, 51 minutes. * Connect with House Public Information Services: www.house.mn/hinfo/hinfo.asp * Find Minnesota House of Representatives news and updates at Session Daily: www.house.mn/sessiondaily/ *Connect with the Minnesota House of Representatives: www.house.mn
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April 9, 2018 Committee of Whole Meeting
April 9, 2018 Committee of Whole Meeting
Просмотров: 20 Town Of Saugeen Shores
Health Insurance
A health insurance policy is: A contract between an insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (e.g. an employer or a community organization). The contract can be renewable (e.g. annually, monthly) or lifelong in the case of private insurance, or be mandatory for all citizens in the case of national plans. The type and amount of health care costs that will be covered by the health insurance provider are specified in writing, in a member contract or "Evidence of Coverage" booklet for private insurance, or in a national health policy for public insurance. (US specific) Provided by an employer-sponsored self-funded ERISA plan. The company generally advertises that they have one of the big insurance companies. However, in an ERISA case, that insurance company "doesn't engage in the act of insurance", they just administer it. Therefore, ERISA plans are not subject to state laws. ERISA plans are governed by federal law under the jurisdiction of the US Department of Labor (USDOL). The specific benefits or coverage details are found in the Summary Plan Description (SPD). An appeal must go through the insurance company, then to the Employer's Plan Fiduciary. If still required, the Fiduciary's decision can be brought to the USDOL to review for ERISA compliance, and then file a lawsuit in federal court. The individual insured person's obligations may take several forms:[2] Premium: The amount the policy-holder or their sponsor (e.g. an employer) pays to the health plan to purchase health coverage. Deductible: The amount that the insured must pay out-of-pocket before the health insurer pays its share. For example, policy-holders might have to pay a $500 deductible per year, before any of their health care is covered by the health insurer. It may take several doctor's visits or prescription refills before the insured person reaches the deductible and the insurance company starts to pay for care. Furthermore, most policies do not apply co-pays for doctor's visits or prescriptions against your deductible. Co-payment: The amount that the insured person must pay out of pocket before the health insurer pays for a particular visit or service. For example, an insured person might pay a $45 co-payment for a doctor's visit, or to obtain a prescription. A co-payment must be paid each time a particular service is obtained. Coinsurance: Instead of, or in addition to, paying a fixed amount up front (a co-payment), the co-insurance is a percentage of the total cost that insured person may also pay. For example, the member might have to pay 20% of the cost of a surgery over and above a co-payment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs of the services they obtain. Exclusions: Not all services are covered. The insured are generally expected to pay the full cost of non-covered services out of their own pockets. Coverage limits: Some health insurance policies only pay for health care up to a certain dollar amount. The insured person may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some insurance company schemes have annual or lifetime coverage maxima. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.
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