With Medicare+Choice plan withdrawals

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "With Medicare+Choice plan withdrawals"

Transcription

1 MONITORING MEDICARE+CHOICE OPERATIONALInsights October 2003, Number 11 The Medigap Market: Product and Pricing Trends, With Medicare+Choice plan withdrawals and reductions in employersponsored retiree coverage, increasing numbers of Medicare beneficiaries have turned to the Medigap market. There are 10 federally standardized Medigap products with minimum rules for access to them. Recent changes in the distribution of enrollment among product types and In 2001, 28 percent of Medicare beneficiaries bought Medigap insurance, and 32 percent got supplemental coverage from an employer-sponsored plan. The Need for Medigap Coverage Medicare beneficiaries with conventional fee-for-service benefits can incur significant out-of-pocket costs for Medicare s Part A and Part B deductibles and coinsurance as well as major cost items not covered by Medicare, such as prescription drugs. Medigap insurance is designed to pay for some of these costs. In 1992, federal rules established 10 standard Medigap benefit designs: Plans A through J (see Figure 1). All plans cover the basic benefits in Plan A. Only three cover the Part B deductible (C, F, and J) or any prescription drugs (H, I, and J) 1, and just two cover preventive care (E and J). None of the standard Figure 1 Benefits Covered in Standard Medigap Policies by Deborah Chollet Medigap plans covers expenditures for long-term care, other than the skilled nursing or home health care Medicare covers when it is related to an acute condition. In three states that have waivers (Massachusetts, Minnesota, and Wisconsin), Medigap plans may differ from federal standards. In 2001, 28 percent of Medicare beneficiaries bought Medigap insurance, and 32 percent got supplemental coverage from an employer-sponsored plan (MedPAC, 2003). Among those without employer-sponsored coverage or Medicaid, less than half purchased Medigap coverage. However, a growing number of Medicare beneficiaries may be turning to Medigap in average premiums suggest that trouble is brewing in the Medigap market, as it is generally in the health insurance market. Between 1999 and 2001, enrollment in the basic benefit (Plan A) increased as much as enrollment in the other nine plans put together. Meanwhile, the average premium for even basic Medigap coverage jumped more than 13 percent per year. Benefits A B C D E F G H I J a Part A coinsurance and lifetime days Part B coinsurance Blood (first 3 pints a year) Part A deductible Skilled nursing coinsurance Foreign travel emergency At-home recovery Part B excess charges 100% 80% 100% 100% Part B deductible Basic drug benefit b $1,250 $1,250 $3,000 limit limit limit Preventive care SOURCE: Adapted from Accessed August 5, a May be sold with no deductible or with a high deductible (for Plan F, $1,530 per year). b Each plan design requires a separate $250 deductible and 50 percent coinsurance on drugs, up to the limit on covered expenses. The Monitoring Medicare+Choice Project of Mathematica Policy Research, Inc., seeks to provide credible and timely information on insurance decisions made by Medicare beneficiaries. It is funded by The Robert Wood Johnson Foundation.

2 2 insurance as alternative sources of supplemental coverage decline. Enrollment in Medicare+Choice plans has dropped dramatically, and many plans have withdrawn from even the largest urban markets (Gold and McCoy, 2002). And while few employers anticipate terminating coverage for current retirees, many either no longer cover new retirees or anticipate reducing or terminating coverage for future retirees (Kaiser Family Foundation, 2002). In most states and nationwide, Medigap enrollment rose between 1999 and At the national level, the gain in Medigap enrollment approximately offset the decline in Medicare+Choice. At the state level, however, the changes were rarely offsetting, suggesting the importance of other influences on Medigap enrollment. Enrollment by Type of Plan The only available national data about enrollment in different types of Medigap plans are derived from insurer reporting to each state s department of insurance. Compiled across states by the National Association of Insurance Commissioners (NAIC), these data offer a national picture of Medigap insurance ever purchased during the year. In 2001, 67 percent of Medigap policyholders had standard coverage (see Table 1). However, nearly 27 percent had prestandard coverage that is, a Medigap policy that had been issued before 1992 and renewed continuously since then. About 7 percent had health maintenance organization (HMO) supplemental coverage or nonstandard coverage sold in waivered states.the benefit designs of prestandard policies are unknown, but they probably do not offer particularly generous coverage compared to most standard Medigap plans. Some may offer nominal coverage for prescription drugs. While some prestandard policyholders may have purchased coverage before age 65 as disabled Medicare beneficiaries, the vast majority were at least 77 years old in While Plan A provides coverage only for the basic benefit, its premium is lower than those for other available policies, apparently making it the most coverage that increasing numbers of Medicare beneficiaries can afford. Plan F accounted for about a third of all standard Medigap policies sold in In addition to basic Medigap benefits, this plan covers Part B excess charges and the coinsurance for care in a skilled nursing facility (SNF); it typically is sold with no deductible. Plan F provides the same benefits as Plan C, but also covers excess charges. Because physicians rarely have billed Medicare beneficiaries for excess charges, many view the benefits of Plans F and C as in effect identical. Together, these plans accounted for 40 percent of Medigap policyholders in In contrast, less than 6 percent of Medigap policyholders in 2001 were enrolled in Plans H, I, or J the only standard policies that cover prescription drugs. Of these policyholders, about half (2.8 percent) purchased Table 1 Distribution of Medigap Enrollees by Type of Plan, 2001 the most comprehensive benefit, Plan J. In addition to a higher limit on covered drug expenses ($6,000 per year with 50 percent coinsurance), Plan J covers the Part B deductible and preventive care not otherwise covered by Medicare. All insurers are required to offer Plan A with guaranteed issue to any applicant at any time. 2 Unless state law requires insurers to offer standard policies other than A on a guaranteed-issue basis, prestandard Medigap policyholders may be able to obtain comparable standard coverage only if an insurer is willing to accept them. In 2001, enrollment in Plan A accounted for just 10 percent of enrollment in all standard Medigap policies and 7 percent of Medigap enrollment overall. However, Policy Form Covered Lives, 2001 Distribution of Covered Estimated Change in Estimated Percent (in thousands) Lives, 2001 Covered Lives, Change in Covered (in percent) (in thousands) Lives, Standard Plans, Total 6, % % Total A-G 6, A B C 1, D E F 2, G Total H, I, and J H I J Other a Prestandard 2, NOTE: Medigap-covered lives include double-counting of part-year policyholders. a Includes supplemental HMO plans as well as nonstandard policies sold in Massachusetts, Minnesota, and Wisconsin.

3 between 1999 and 2001, enrollment in Plan A grew faster than it did in any other standard Medigap plan type gaining about a half-million covered lives and nearly tripling enrollment. The net increase in Plan A enrollment between 1999 and 2001 was approximately equal to the net increase in all other standard Medigap plans combined. While the reasons for fast-growing enrollment in the Medigap basic benefit warrant further study, it seems likely that rising Medigap prices, combined with price sensitivity among Medicare beneficiaries leaving Medicare+Choice plans, are contributing factors. Medicare beneficiaries who enter (or re-enter) Medigap coverage at older ages may confront either age- or community-rated premiums that cost much more than the Medicare+Choice plans they left. Moreover, these plans leave beneficiaries with steep costs for items like prescription drugs and still do not meet their growing needs and expenditures for long-term care. While Plan A provides coverage only for the basic benefit, its premium is lower than those for other available policies, apparently making it the most coverage that increasing numbers of Medicare beneficiaries can afford. Premiums Vary Widely The premiums Medicare beneficiaries paid for Medigap coverage varied widely in (see Table 2). On average nationwide, Medigap policyholders paid $1,085 for Plan A, 24 percent less than those with Plan F ($1,433) paid and less than half the premium those in Plan J ($2,130) paid. Reflecting the older age of policyholders in prestandard coverage, Medicare beneficiaries with these policies paid substantially more than those with most standard plan designs $1,754, compared to average premiums of $1,433 and $1,359 for the most popular plans (F and C, respectively). Average premiums rose sharply between 1999 and 2001 for the policy types that also experienced the fastest growth in enrollment. Table 2 Average Premium by Plan Type in 2001 and Change since 1999 Policy Form Average Premium, Premium Change, Percent Change A $1,085 $ % B $1,221 $ C $1,359 $ D $1,359 $ E $1,292 $ F $1,433 $ G $1,458 $ H $1,417 -$4-0.3 I $2,091 $ J $2,130 $ Other a $1,713 $ Prestandard $1,754 $ NOTE: Average premiums are weighted by covered lives. a Includes supplemental HMO plans as well as nonstandard policies sold in Massachusetts, Minnesota, and Wisconsin. Average premiums for Plan A increased 28 percent (more than 13 percent per year). Premiums for Plans F and C increased nearly 17 percent, while those for Plan G surged 49 percent. Medicare beneficiaries with Medigap policies that covered prescription drugs also paid significantly more in 2001 than they did in However, reflecting these plans low limits on drug coverage, premiums for Plans H, I, and J did not rise noticeably faster than premiums for other standard plan types. Average premiums for Plan H changed very little and, nationally, actually declined slightly with the net increase in policyholders. For the relatively popular J coverage, The premiums Medicare beneficiaries paid for Medigap coverage varied widely in 2001, from a nationwide average of $1,085 for Plan A to $2,130 for Plan J. 3 average premiums increased 27 percent, almost the same rate of increase paid by policyholders with A coverage. Average premiums for Medigap policies differed greatly from state to state. Medicare beneficiaries in California, Florida, and Louisiana paid the highest premiums in the nation for Plans A through G in 2001 averaging as much as $1,842 in California (see Table 3). In Florida and Louisiana, the average premium for a Medigap plan with prescription drug coverage (H, I, and J) also was among the highest in the nation ($2,721 and $2,530, respectively). Only in New York and Idaho were the average premiums for a Medigap drug policy higher ($2,860 and $2,825, respectively). Averaging across all standard Medigap policies, Medicare beneficiaries in the most expensive states paid about twice as much for Medigap coverage as did those in the least expensive states such as Montana, Pennsylvania, Utah, and Vermont. Number of Insurers In most states, a large number of insurers offer Medigap coverage, although most offer just one or two standard plan designs in addition to Plan A. While a much larger number of insurers actually write coverage, many

4 4 Table 3 Covered Lives and Average Premiums by State for A-G and H-J Policies, 2001 ALL STANDARD POLICIES A-G POLICIES H-J POLICIES State Covered Lives Average Premium Covered Lives Average Premium Covered Lives Average Premium (in thousands) (in thousands) (in thousands) AK 6.1 $1, $1, $1,804 AL $1, $1, $2,460 AR $1, $1, $2,443 AZ $1, $1, $2,011 CA $1, $1, $2,203 CO 91.6 $1, $1, $2,103 CT $1, $1, $1,945 DC 7.2 $1, $1, $1,866 DE 27.7 $1, $1, $1,698 FL $1, $1, $2,721 GA $1, $1, $2,319 HI 5.8 $1, $1, $1,739 IA $1, $1, $2,013 ID 59.9 $1, $1, $2,825 IL $1, $1, $2,934 IN $1, $1, $2,188 KS $1, $1, $2,555 KY $1, $1, $2,248 LA $1, $1, $2,530 MA na na na na na MD $1, $1, $1,570 ME 86.9 $1, $1, $2,129 MI $1, $1, $2,178 MN na na na na na MO $1, $1, $2,410 MS $1, $1, $2,497 MT $ $ $244 NC $1, $1, $2,393 ND 62.6 $1, $1, $1,860 NE $1, $1, $2,435 NH 70.0 $1, $1, $2,075 NJ $1, $1, $2,146 NM 47.6 $1, $1, $1,646 NV 35.3 $1, $1, $2,150 NY $1, $1, $2,860 OH $1, $1, $2,170 OK 87.5 $1, $1, $2,475 OR 89.6 $1, $1, $2,253 PA 1,059.6 $ $ $1,108 RI 13.5 $1, $1, $2,244 SC $1, $1, $2,222 SD 69.5 $1, $1, $2,726 TN $1, $1, $2,225 TX $1, $1, $2,527 UT 84.4 $1, $1, $1,952 VA $1, $1, $1,933 VT 35.0 $1, $1, $1,653 WA $1, $1, $2,205 WI na na na na na WV 72.1 $1, $1, $2,099 WY 26.5 $1, $1, $1,819 NOTE: Total covered lives include nonstandard and HMO enrollees not included in standard policy enrollment totals; all counts include double-counting of part-year policyholders. Average premiums are weighted by covered lives and are not presented for Massachusetts, Minnesota, and Wisconsin, where Medigap benefit designs may differ from federal standards.

5 The presence of more insurers per capita may reflect practices that discourage consumers from changing insurers and make persistently low market share feasible. renew existing coverage but do not accept new applicants. The variation in available Medigap insurers across states is remarkable even when adjusted for the number of Medicare beneficiaries in the state and beneficiaries choice of insurer may be significantly greater in some states than in others. Similar to the pattern observed in major medical health insurance markets (Chollet et al., 2003), states with more people typically have many fewer Medigap insurers per person. Thus, Massachusetts, New York, California, and New Jersey have a fraction of the number of Medigap insurers per Medicare beneficiary that Montana, North Dakota, South Dakota, Alaska, and Wyoming have (see Table 4). However, some states (such as Montana and South Dakota) also have high absolute numbers of Medigap insurers, many with very little business in the state. It is unclear whether the presence of more insurers per capita represents greater competition. Instead, it may reflect uncompetitive markets, with insurer practices that discourage consumers from changing insurers and make persistently low market share feasible. In either case, insurers with very low market share may be quite vulnerable to a major change in Medicare benefits. Lessons from Medigap Markets The Medigap market suggests several lessons that may be relevant to the Medicare Part D (prescription drug) proposals passed by the House and Senate this year (H.R. 1 and S. 1, respectively) 4. First, without specific attention to prestandard policyholders, many may remain in their current coverage choosing not to pay for Part D as well as for drug coverage in their prestandard Medigap plan, however meager it may be. Both proposals would terminate drug coverage in Plans H, I, and J and require insurers to notify policyholders about their reduced coverage and new Part D options. However, neither would require insurers to notify the much larger block of prestandard policyholders or guarantee their entry into standard Medigap coverage other than Plan A. Thus, despite launching a major information campaign, it may take a number of years for many Medicare beneficiaries to trade prestandard Medigap coverage for the complex array of Part D coverage choices that both proposals envision. Ironically, since these policyholders are now at least 77 years old, they may be in even greater need of drug coverage than younger beneficiaries. Second, the variation in Medigap premiums across and within states is notorious and persistent (Chollet and Kirk, 2001; Weiss Ratings, 2003). Federal efforts to develop more comprehensive coverage for prescription drugs may result in an even wider spread of costs than Plans H, I, and J currently experience, as the limits on drug coverage are raised. Broad participation in a Medicare drug plan would reduce the adverse selection that now contributes to relatively high costs and premiums for Plans H, I, and J. Differences in health status, prescribing practices, drug prices, and state regulation of Medigap plans, however, probably would continue to drive strong geographic differences in premiums and beneficiaries out-of-pocket costs. Finally, in states with a large number of Medigap insurers, very few may be poised to offer freestanding prescription drug coverage to Medicare beneficiaries. In these states, Medicare coverage of prescription drugs Table 4 Active Medigap Insurers and Change per Medicare Beneficiary by State, (states sorted by active insurers per beneficiary) State Number of Active Insurers Active Insurers, per 10, Medicare Beneficiaries, 2001 WY AK SD ND MT DE DC ID NE NM VT UT NV MS NH KS WV OK RI CO ME IA SC AR KY HI OR AZ LA IN TN MO WI VA GA WA AL CT MN MD NC IL OH MI TX PA FL NJ CA NY MA US average NOTE: Active insurers are defined as those that have in force at least one policy issued during the past three years. 5

6 6 could change the Medigap market radically if beneficiaries felt forced to choose between Medicare drug coverage and their current Medigap coverage either dropping Medigap altogether or moving in still greater numbers to Plan A. Medigap insurers with low market share may not be able to tolerate both the loss of their conventional business and the cost of developing new products with new federal standards, even if the service areas for prescription drug plans encompassed several states. Thus, the development of Medicare drug plans could force the exit of many Medigap insurers from states that have more crowded markets, possibly disrupting coverage for many Medicare beneficiaries. About the Data Information is based primarily on insurers reporting to each state s department of insurance and compiled by the NAIC. These data offer a state-level picture of Medigap insurance ever purchased during the year. Because the data double-count individuals who change policies during the year, the total number of policyholders in a year may exceed the number of Medicare beneficiaries who report having Medigap coverage. The data measure shifts in enrollment conservatively, counting policyholders who change coverage mid-year as two separate enrollees rather than as a shift in enrollment. Notes 1. Plans H and I have a $250 annual prescription drug deductible, and then they pay 50 percent of prescription drug expenditures up to $2,500 per year. The policyholder pays out of pocket all additional costs for prescription drugs. J plans also have a $250 annual deductible and pay 50 percent of prescription drug expenditures up to $6,000 per year. 2. Insurers offering guaranteed-issue policies may not deny coverage to any applicant because of his or her health status. All Medigap insurers must offer Plan A with guaranteed issue. Insurers that offer Plans B, C, or F also must accept Medicare beneficiaries when they lose coverage from an employer plan (due to plan termination or benefit change) or a Medicare managed care plan (due to market exit). Beneficiaries in either situation must purchase coverage within 63 days. 3. Because enrollment in plans with more comprehensive benefits may be greater in states where premiums are lower, national average premiums for plans with less comprehensive benefits are sometimes greater than those for more comprehensive benefits. Within states, premium patterns are more regular. 4. The Congressional Budget Office (2003) and Health Policy Alternatives (2003) offer comparison and analysis of these bills. References Chollet, Deborah, and Adele Kirk. Medicare Supplement Insurance Markets: Structure, Change and Implications for Medicare. Report to the Assistant Secretary for Planning and Evaluation, U.S. Department of Health and Human Services, Chollet, Deborah, Fabrice Smieliauskas, and Madeleine Konig. Mapping Health Insurance Markets 2001: Market Structure and Change. The Robert Wood Johnson Foundation s State Coverage Initiatives Program. Washington, DC: AcademyHealth, September Congressional Budget Office. Congressional Budget Office Cost Estimate: H.R.1 and S. 1. ftp://ftp.cbo.gov/44xx/doc4438/hr1s1.pdf (July 22, 2003). Accessed August 27, Gold, Marsha, and John McCoy. Medicare+Choice Withdrawals: Experiences in Major Metropolitan Areas. Operational Insights No. 8. Washington, DC: Mathematica Policy Research, Inc., September Health Policy Alternatives, Inc. A Side-by-Side Comparison of the Prescription Drug Coverage Provisions of S. 1 and H.R. 1. (August 8, 2003). Accessed August 27, Kaiser Family Foundation. Employee Health Benefits: 2002 Annual Survey. Accessed August 28, Medicare Payment Advisory Commission (MedPAC). Report to the Congress: Variation and Innovation in Medicare. Washington, DC: MedPAC, June Weiss Ratings, Inc. Consumers Face Huge Disparities in Medigap Rates. (July 14, 2003). Accessed August 27, Operational Insights is published by the Washington office of Mathematica Policy Research, Inc. Visit our Web site at Princeton Office P.O. Box 2393 Princeton, NJ Phone: (609) Fax: (609) Washington Office 600 Maryland Ave., S.W., Suite 550 Washington, DC Phone: (202) Fax: (202) Cambridge Office 50 Church St., 4th Floor Cambridge, MA Phone: (617) Fax: (617) Marsha Gold: Project Director, Monitoring Medicare+Choice The Stein Group: Editor designmind: Design

Trends in Medigap Coverage and Enrollment, 2011

Trends in Medigap Coverage and Enrollment, 2011 Trends in Medigap Coverage and Enrollment, 2011 May 2012 SUMMARY This report presents trends in enrollment in Medicare Supplement (Medigap) insurance coverage, using data on the number of policies in force

More information

Trends in Medigap Enrollment and Coverage Options, 2013

Trends in Medigap Enrollment and Coverage Options, 2013 November 2014 Trends in Medigap Enrollment and Coverage Options, 2013 www.ahipresearch.org LIST OF TABLES AND FIGURES TABLE 1. TABLE 2. TABLE 3. TABLE 4. Distribution of Medigap Companies with Standardized

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Licensure Endorsement The table below lists the licensure requirements for already-licensed PTs and PTAs applying for licensure in another jurisdiction. Summary Number of jurisdictions requiring license from: license was ever

More information

Other State Policy. CA Policy. Increase Requested

Other State Policy. CA Policy. Increase Requested Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006

More information

2016 Individual Exchange Premiums updated November 4, 2015

2016 Individual Exchange Premiums updated November 4, 2015 2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2012

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2012 The Cost and Benefits of Individual & Family Health Insurance Plans November 2012 Table of Contents Introduction and Background... 3 Methodology Summary... 3 Report Highlights... 4 Major Medical Policies

More information

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014

ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium

More information

Pooling of Risk In applying rating factors, carriers will group policyholders into classes and blocks of business.

Pooling of Risk In applying rating factors, carriers will group policyholders into classes and blocks of business. Rate Regulation Introduction Concerns over the fairness and equity of insurer rating practices that attempt to charge higher premiums to those with higher actual and expected claims costs have increased

More information

Although the Medicare+Choice legislation

Although the Medicare+Choice legislation MONITORING MEDICARE+CHOICE OPERATIONALInsights October 2003, Number 12 Medicare s Experience with PPOs and Private Fee-for-Service Plans Although the Medicare+Choice legislation calls for a variety of

More information

Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of January 1, 2014

Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of January 1, 2014 January 2014 Fact Sheet Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of January 1, 2014 As part of the Affordable Care Act s goal to reduce the number

More information

Health Insurance Exchanges and the Medicaid Expansion After the Supreme Court Decision: State Actions and Key Implementation Issues

Health Insurance Exchanges and the Medicaid Expansion After the Supreme Court Decision: State Actions and Key Implementation Issues Health Insurance Exchanges and the Medicaid Expansion After the Supreme Court Decision: State Actions and Key Implementation Issues Sara R. Collins, Ph.D. Vice President, Affordable Health Insurance The

More information

Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of April 1, 2014

Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of April 1, 2014 Where Are States Today? Medicaid and CHIP Eligibility Levels for Children and Non-Disabled Adults as of April 1, 2014 As part of the Affordable Care Act s goal to reduce the number of uninsured, it makes

More information

Health Insurance Price Index Report for Open Enrollment and Q1 2014. May 2014

Health Insurance Price Index Report for Open Enrollment and Q1 2014. May 2014 Health Insurance Price Index Report for Open Enrollment and May 2014 ehealth 5.2014 Table of Contents Introduction... 3 Executive Summary and Highlights... 4 Nationwide Health Insurance Costs National

More information

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending

U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants

More information

Notices of Cancellation / Nonrenewal and / or Other Related Forms

Notices of Cancellation / Nonrenewal and / or Other Related Forms Forms are listed alphabetically by form title. INDEX POLICY CODES 1. Auto 2. Fire and Multiple Peril 3. Liability 4. Property, other than Fire and Multiple Peril (e.g. Crime & Inland Marine) 5. Workers

More information

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT

STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT Zurich American Life Insurance Company (ZALICO) Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 800/449-0523 This document is intended to

More information

The Lincoln National Life Insurance Company Variable Life Portfolio

The Lincoln National Life Insurance Company Variable Life Portfolio The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE

More information

Youth Voter Turnout in the 2008 and 2006 Elections: A State-by-State Comparison

Youth Voter Turnout in the 2008 and 2006 Elections: A State-by-State Comparison Youth in the 2008 and 2006 Elections: A State-by-State Comparison By Surbhi Godsay, Amanda Nover, and Emily Hoban Kirby 1 September 2010 The 2008 presidential election saw a two percentage point increase

More information

Health Insurance Coverage of Children Under Age 19: 2008 and 2009

Health Insurance Coverage of Children Under Age 19: 2008 and 2009 Health Insurance Coverage of Children Under Age 19: 2008 and 2009 American Community Survey Briefs Issued September 2010 ACSBR/09-11 IntroductIon Health insurance, whether private or public, improves children

More information

HEALTH CARE IN RETIREMENT. GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced. Forces driving growth in health care spending

HEALTH CARE IN RETIREMENT. GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced. Forces driving growth in health care spending HEALTH CARE IN RETIREMENT GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced overall inflation. From 1982 to 2013, spending on health care increased at an average of 5.1%, faster than all

More information

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences?

When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? When Medicare-Medicaid enrollees lose their Medicaid coverage: Who loses it, for how long, and what are the consequences? Gerald Riley Lirong Zhao Negussie Tilahun Medicare-Medicaid enrollees Vulnerable

More information

kaiser medicaid and the uninsured commission on The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis

kaiser medicaid and the uninsured commission on The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis kaiser commission on medicaid and the uninsured The Cost and Coverage Implications of the ACA Medicaid Expansion: National and State-by-State Analysis John Holahan, Matthew Buettgens, Caitlin Carroll,

More information

Kaiser Family Foundation/eHealthInsurance. August 2004

Kaiser Family Foundation/eHealthInsurance. August 2004 AUGUST 2004 Revised Update on Individual Health Insurance Kaiser Family Foundation/eHealthInsurance August 2004 Revised Update on Individual Health Insurance B a c k g r o u n d In recent years, President

More information

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012

LexisNexis Law Firm Billable Hours Survey Top Line Report. June 11, 2012 LexisNexis Law Firm Billable Hours Survey Top Line Report June 11, 2012 Executive Summary by Law Firm Size According to the survey, we found that attorneys were not billing all the time they worked. There

More information

INTRODUCTION. Figure 1. Contributions by Source and Year: 2012 2014 (Billions of dollars)

INTRODUCTION. Figure 1. Contributions by Source and Year: 2012 2014 (Billions of dollars) Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Report: Economy-Wide Statistics Division Briefs: Public Sector By Phillip Vidal Released July 2015 G14-ASPP-SL

More information

AAIS Mobile-Homeowners 2008 Series

AAIS Mobile-Homeowners 2008 Series Policy Forms and Endorsements IT IS WOLTERS KLUWER FINANCIAL SERVICES' POLICY TO LIMIT THE SALE OF BUREAU FORMS TO THE MEMBERS AND SUBSCRIBERS OF THOSE RESPECTIVE BUREAUS. PURCHASE AND USE OF BUREAU FORMS

More information

Cost and Benefits of Individual and Family Health Insurance. December 2013

Cost and Benefits of Individual and Family Health Insurance. December 2013 Cost and Benefits of Individual and Family Health Insurance December 2013 ehealth 12.2013 Table of Contents Introduction and Background... 3 Methodology Summary... 3 Report Highlights - Policies active

More information

HEALTH INSURANCE PRICE INDEX REPORT FOR THE 2015

HEALTH INSURANCE PRICE INDEX REPORT FOR THE 2015 HEALTH INSURANCE PRICE INDEX REPORT FOR THE 2015 OPEN ENROLLMENT PERIOD March 2015 ehealth 3.2015 Table of Contents Introduction... 3 Executive Summary and Highlights... 4 Nationwide Health Insurance Costs

More information

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL

ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL State-Level Analysis HELP WANTED PROJECTIONS of JOBS and EDUCATION REQUIREMENTS Through 2018 JUNE 2010 ANTHONY P. CARNEVALE NICOLE SMITH JEFF STROHL Contents 1 Introduction 3 U.S. Maps: Educational concentrations

More information

NHIS State Health insurance data

NHIS State Health insurance data State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND

More information

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011

The Cost and Benefits of Individual & Family Health Insurance Plans. November 2011 2011 policies surveyed were active in February 2011 The Cost and Benefits of Individual & Family Health Insurance Plans November 2011 2011 policies surveyed were active in February 2011 Table of Contents Introduction and Background...3 Methodology Summary...3

More information

Aetna Companies: - American Continental Insurance (ACI) - Continental Life Insurance Company of Brentwood, Tennessee (CLI) Genworth Companies

Aetna Companies: - American Continental Insurance (ACI) - Continental Life Insurance Company of Brentwood, Tennessee (CLI) Genworth Companies Aetna Companies: - American Continental Insurance (ACI) - Continental Life Insurance Company of Brentwood, Tennessee (CLI) Genworth Companies (administered by Aetna Life Insurance Company): - Genworth

More information

MEDIGAP: Spotlight on Enrollment, Premiums, and recent TrendS 1

MEDIGAP: Spotlight on Enrollment, Premiums, and recent TrendS 1 MEDIGAP: Spotlight on Enrollment, Premiums, and Recent Trends EXECUTIVE SUMMARY Medicare supplemental insurance, also known as Medigap, is an important source of supplemental coverage for nearly one in

More information

Escheat Requirements *Indicates updates in laws or regulations for the state

Escheat Requirements *Indicates updates in laws or regulations for the state Escheat Requirements *Indicates updates in laws or regulations for the state California: See General Reporting Instructions for Holders of Unclaimed Property Missouri: Limitation does not affect property

More information

Foreign Language Enrollments in K 12 Public Schools: Are Students Prepared for a Global Society?

Foreign Language Enrollments in K 12 Public Schools: Are Students Prepared for a Global Society? Foreign Language s in K 2 Public Schools: Are Students Prepared for a Global Society? Section I: Introduction Since 968, the American Council on the Teaching of Foreign Languages (ACTFL) has conducted

More information

Larry R. Kaiser, MD. President The University of Texas Health Science Center at Houston

Larry R. Kaiser, MD. President The University of Texas Health Science Center at Houston Larry R. Kaiser, MD President The University of Texas Health Science Center at Houston HealthCare Workforce: UTHealth Experience CHALLENGE To train the Healthcare Workforce of the 21 st Century SOLUTIONS:

More information

WHAT STATES IS IT ILLEGAL TO DO BPO S?

WHAT STATES IS IT ILLEGAL TO DO BPO S? WHAT STATES IS IT ILLEGAL TO DO BPO S? Copyright Protected by BPO University Nicole Ocean 2010 My name is Nicole Ocean, founder and administrator of the BPO University. I am a certified real estate instructor

More information

The Cost And Benefits Of Individual Health Insurance Plans: 2007

The Cost And Benefits Of Individual Health Insurance Plans: 2007 The Cost And Benefits Of Individual Health Insurance Plans: 2007 Contents Introduction and overview 3 Methodology summary 4 Report summary 5 Major Medical Plan Premiums Profile of ehealthinsurance policy

More information

Regional PPOs in Medicare: What Are The Prospects?

Regional PPOs in Medicare: What Are The Prospects? Regional PPOs in Medicare: What Are The Prospects? How Do They Contain Rising Costs? By Steven D. Pizer, Austin B. Frakt and Roger Feldman* February 2007 * Steven D. Pizer, Ph.D. is assistant professor

More information

Final Expense Life Insurance

Final Expense Life Insurance Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company

More information

Dartmouth / SilverScript Retiree Prescription Drug Plan

Dartmouth / SilverScript Retiree Prescription Drug Plan Dartmouth / SilverScript Retiree Prescription Drug Plan Agenda What s Happening /Why the Change? What is Medicare Part-D? Who is SilverScript? How is this affecting my Dartmouth coverage? What do I need

More information

Florida Workers Compensation Market

Florida Workers Compensation Market Florida Workers Compensation Market Lori Lovgren Lori_Lovgren@NCCI.com 561-893-3337 Copyright 2011 National Council on Compensation Insurance, Inc. All Rights Reserved. Florida Workers Compensation Rates

More information

Medigap Coverage for Prescription Drugs. Statement of Deborah J. Chollet, Senior Fellow Mathematica Policy Research, Inc.

Medigap Coverage for Prescription Drugs. Statement of Deborah J. Chollet, Senior Fellow Mathematica Policy Research, Inc. Medigap Coverage for Prescription Drugs Statement of Deborah J. Chollet, Senior Fellow Mathematica Policy Research, Inc. Washington, DC Testimony before the U.S. Senate Committee on Finance Finding the

More information

Aetna Health and Life Insurance Company (AHLIC) American Continental Insurance Company (ACI) Continental Life Insurance Company of Brentwood,

Aetna Health and Life Insurance Company (AHLIC) American Continental Insurance Company (ACI) Continental Life Insurance Company of Brentwood, Aetna Health and Life Insurance Company (AHLIC) American Continental Insurance Company (ACI) Continental Life Insurance Company of Brentwood, Tennessee (CLI) Aetna Inc. For Agent Use Only. Not to be shared

More information

Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans

Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans Required Minimum Distribution Election Form for IRA s, 403(b)/TSA and other Qualified Plans For Policyholders who have not annuitized their deferred annuity contracts Zurich American Life Insurance Company

More information

United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS

United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors

More information

Arizona Reaching International Competitiveness by National Center for Higher Education Management Systems

Arizona Reaching International Competitiveness by National Center for Higher Education Management Systems Arizona Reaching International Competitiveness by 2025 National Center for Higher Education Management Systems Differences in College Attainment (Associate and Higher) Between Young and Older Adults U.S.

More information

United States Bankruptcy Court District of Arizona

United States Bankruptcy Court District of Arizona United States Bankruptcy Court District of Arizona NOTICE TO: DEBTOR ATTORNEYS, BANKRUPTCY PETITION PREPARERS AND DEBTORS UPDATED REQUIREMENTS FOR FORMAT OF MASTER MAILING LIST The meeting of creditors

More information

State Corporate Income Tax-Calculation

State Corporate Income Tax-Calculation State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from

More information

Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO)

Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Beth Radtke 50 Included in the report: 7/22/2015 11:15:28 AM Alaska (AK) Arizona (AZ) Arkansas (AR) California-RN (CA-RN) Colorado (CO) Connecticut (CT) Delaware (DE) District Columbia (DC) Florida (FL)

More information

Hail-related claims under comprehensive coverage

Hail-related claims under comprehensive coverage Bulletin Vol. 29, No. 3 : April 2012 Hail-related claims under comprehensive coverage Claims for hail damage more than doubled in 2011 compared with the previous three years. Hail claims are primarily

More information

50-State Analysis. School Attendance Age Limits. 700 Broadway, Suite 810 Denver, CO 80203-3442 303.299.3600 Fax: 303.296.8332

50-State Analysis. School Attendance Age Limits. 700 Broadway, Suite 810 Denver, CO 80203-3442 303.299.3600 Fax: 303.296.8332 0-State Analysis School Attendance Age Limits 700 Broadway, Suite 810 Denver, CO 80203-32 303.299.3600 Fax: 303.296.8332 Introduction School Attendance Age Limits By Marga Mikulecky April 2013 This 0-State

More information

MAPPING STATE HEALTH INSURANCE MARKETS:

MAPPING STATE HEALTH INSURANCE MARKETS: State Coverage I nitiatives MAPPING STATE HEALTH INSURANCE MARKETS: STRUCTURE AND CHANGE IN THE STATES GROUP AND INDIVIDUAL HEALTH INSURANCE MARKETS, 1995-1997 by Deborah J. Chollet Adele M. Kirk Marc

More information

Regional Electricity Forecasting

Regional Electricity Forecasting Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began

More information

Student Location and Movement

Student Location and Movement Student Location and Movement Analysis from By the Numbers: Matriculating Student Survey 2014 INTRODUCTION Each year, PAEA s Matriculating Student Survey (MSS) attempts to capture a snapshot of firstyear

More information

Health Coverage for the Hispanic Population Today and Under the Affordable Care Act

Health Coverage for the Hispanic Population Today and Under the Affordable Care Act on on medicaid and and the the uninsured Health Coverage for the Population Today and Under the Affordable Care Act April 2013 Over 50 million s currently live in the United States, comprising 17 percent

More information

7 th National RAC (and MAC) Summit December 5 6, 2012 Washington, DC

7 th National RAC (and MAC) Summit December 5 6, 2012 Washington, DC 7 th National RAC (and MAC) Summit December 5 6, 2012 Washington, DC Jane Snecinski P.O. Box 12078 Atlanta, GA 30355 www.postacuteadvisors.com National client base (both public and private sector) based

More information

New York Public School Spending In Perspec7ve

New York Public School Spending In Perspec7ve New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013

More information

NAAUSA Security Survey

NAAUSA Security Survey NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking

More information

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015)

VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) VCF Program Statistics (Represents activity through the end of the day on June 30, 2015) As of June 30, 2015, the VCF has made 12,712 eligibility decisions, finding 11,770 claimants eligible for compensation.

More information

Marketplaces (Exchanges): Information for Employers and Individuals Lisa Klinger, J.D. www.leavitt.com/healthcarereform.com

Marketplaces (Exchanges): Information for Employers and Individuals Lisa Klinger, J.D. www.leavitt.com/healthcarereform.com 10-21- 2013 As of January 1, 2014, the Patient Protection and Affordable Care Act (PPACA) requires most U.S. citizens and lawful residents to either have minimum essential coverage or to pay a federal

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice

More information

The Case for Change The Case for Whopping Big Change

The Case for Change The Case for Whopping Big Change TESTIMONY The California Assembly Higher Education Committee October 7, 2013 Presentation by: David Longanecker President, Western Interstate Commission for Higher Education (WICHE) FINANCING CALIFORNIA

More information

TITLE POLICY ENDORSEMENTS BY STATE

TITLE POLICY ENDORSEMENTS BY STATE TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies

More information

ENS Governmental Format Status (As of 06/16/2008)

ENS Governmental Format Status (As of 06/16/2008) Alaska AK Production (G) Region D Tan - Development Required Alabama AL Production (G) Region C Arkansas AR Production (G) Region C D Yellow - Pended for required Beta Site Green - In Production - Direct

More information

Where Are States Today? Medicaid and CHIP Eligibility Levels for Adults, Children, and Pregnant Women as of January 2015

Where Are States Today? Medicaid and CHIP Eligibility Levels for Adults, Children, and Pregnant Women as of January 2015 February 2015 Fact Sheet Where Are States Today? Medicaid and CHIP Eligibility Levels for Adults, Children, and Pregnant Women as of This fact sheet provides an overview of eligibility levels for parents,

More information

Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends. Preliminary Tables and Figures

Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends. Preliminary Tables and Figures Nurse Practitioners and Physician Assistants in the United States: Current Patterns of Distribution and Recent Trends Preliminary Tables and Figures Kevin M. Stange, PhD Assistant Professor Gerald R. Ford

More information

Benefits of Selling WorkLife 65

Benefits of Selling WorkLife 65 PruTerm WorkLife 65 SM LEARN ABOUT THE PRODUCT AND MARKET Benefits of Selling WorkLife 65 Pru s new and innovative term product will resonate with your clients. WorkLife 65 is a new and innovative term

More information

Standardized Pharmacy Technician Education and Training

Standardized Pharmacy Technician Education and Training Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians

More information

Dashboard. Campaign for Action. Welcome to the Future of Nursing:

Dashboard. Campaign for Action. Welcome to the Future of Nursing: Welcome to the Future of Nursing: Campaign for Action Dashboard About this Dashboard: These are graphic representations of measurable goals that the Campaign has selected to evaluate our efforts in support

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education

More information

Florida Workers Comp Market

Florida Workers Comp Market Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office

More information

COMMERCIAL FINANCE ASSOCIATION. Annual Asset-Based Lending and Factoring Surveys, 2008

COMMERCIAL FINANCE ASSOCIATION. Annual Asset-Based Lending and Factoring Surveys, 2008 COMMERCIAL FINANCE ASSOCIATION Annual Asset-Based Lending and Factoring Surveys, 2008 Non-Member Edition May 6, 2009 R.S. Carmichael & Co., Inc. Commercial Finance Association 70 West Red Oak Lane (4 th

More information

Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net

Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net Cancellation of Debt (COD) R. Bruce McCommons Harford County, MD TrC 12/4/2013 rbrucemcc@comcast.net 1 Cancellation of debt (COD)... Generally, if a debt for which the taxpayer was personally responsible

More information

FOCUS. Health Reform. Health Insurance Market Reforms: Rate Restrictions JUNE 2012. Overview. What are rate restrictions?

FOCUS. Health Reform. Health Insurance Market Reforms: Rate Restrictions JUNE 2012. Overview. What are rate restrictions? JUNE 2012 Health Insurance Market Reforms: Rate Restrictis Overview What are rate restrictis? Rate restrictis limit how much insurance companies can vary premiums charged to individuals and businesses

More information

SEASON FINAL REGISTRATION REPORTS

SEASON FINAL REGISTRATION REPORTS Materials Included: 2014-2015 SEASON FINAL REGISTRATION REPORTS 2013-14 & 2014-15 Comparison by Group 2 2014-15 USA Hockey Member Counts 3 2014-15 8 and Under Report 4 2014-15 Players & Girls/Women by

More information

The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums

The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums SUMMARY The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums The Affordable Care Act holds health insurers accountable to consumers and ensures that American families receive value for their

More information

New Federal Rating Rules

New Federal Rating Rules New Federal Rating Rules The Patient Protection and Affordable Care Act ( PPACA ) includes new federal rules limiting the extent to which insurance companies can impose premium surcharges on individuals

More information

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction

Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the

More information

Suitability Agent Continuing Education Requirements by State

Suitability Agent Continuing Education Requirements by State Suitability Agent Continuing Education Requirements by State STATE AL AK AZ AR CA CO CT DE DC FL GA HI ID Insurance producers holding a life line of insurance license must complete a one-time 4 hour annuity

More information

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes

Effects of Booster Seat Laws on Injury Risk Among Children in Crashes Effects of Booster Seat Laws on Injury Risk Among Children in Crashes SAE Government / Industry Meeting Washington, DC January 26, 2012 Angela H. Eichelberger, Ph.D. Co-authors Aline O. Chouinard Jessica

More information

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

Table 11: Residual Workers Compensation Insurance Market By Jurisdiction Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend

More information

STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE

STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE Responsibility and Work Opportunity Reconciliation Act.... STATE SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM PARTICIPATION RATES IN 2009 FOOD AND NUTRITION SERVICE Recent studies have examined national participation

More information

States Served. CDFI Fund 601 Thirteenth Street, NW, Suite 200, South, Washington, DC 20005 (202) 622-8662 25

States Served. CDFI Fund 601 Thirteenth Street, NW, Suite 200, South, Washington, DC 20005 (202) 622-8662 25 s Served CDFI Fund 601 Thirteenth Street, NW, Suite 200, South, Washington, DC 20005 (202) 622-8662 25 New Markets Tax Credit Program Sixth Round (2008) s Served NOTES: (1) Allocatees that are italicized

More information

September Townsend Hall University of Missouri Columbia, MO 65211

September Townsend Hall University of Missouri Columbia, MO 65211 Report of a Survey of State Mathematics Supervisors: What influence has NCTM s Curriculum Focal Points had on state-level specification of learning goals? September 2007 This paper was supported by funds

More information

Successes and Challenges in the Affordable Care Act: Beyond Access

Successes and Challenges in the Affordable Care Act: Beyond Access Successes and Challenges in the Affordable Care Act: Beyond Access Robert Greenwald Clinical Professor of Law, Harvard Law School Director, Center for Health Law and Policy Innovation/Treatment Access

More information

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web

U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web U.S. Department of Education NCES 2011-460 NAEP Tools on the Web Whether you re an educator, a member of the media, a parent, a student, a policymaker, or a researcher, there are many resources available

More information

Use and Characteristics of Electronic Health Record Systems Among Office-based Physician Practices: United States, 2001 2013

Use and Characteristics of Electronic Health Record Systems Among Office-based Physician Practices: United States, 2001 2013 Use and Characteristics of Electronic Health Record Systems Among Office-based Physician Practices: United States, 2001 2013 Chun-Ju Hsiao, Ph.D., and Esther Hing, M.P.H. Key findings In 2013, 78% of office-based

More information

Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue

Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue Table 1: Advertising, Marketing and Promotional Expense as a Percentage of Net Operating Revenue NAIC Group % Attorney s Title 3.8% Chicago / Fidelity 0.9% Diversified 0.6% First American 2.7% Investors

More information

States Future Economic Standing

States Future Economic Standing States Future Economic Standing if current education levels remain the same. Presentation by Joe Marks SREB Director of Data Services State Leaders Forum St. Petersburg, Florida November 17, 2004 1 The

More information

Fixed Indexed Annuity Rates

Fixed Indexed Annuity Rates Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity

More information

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?

Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses? Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval

More information

Rates are valid through March 31, 2014.

Rates are valid through March 31, 2014. The data in this chart was compiled from the physician fee schedule information posted on the CMS website as of January 2014. CPT codes and descriptions are copyright 2012 American Medical Association.

More information

Who provides this training? Are there any requirements? The parents/guardians and the doctor go through the medication curriculum with the student.

Who provides this training? Are there any requirements? The parents/guardians and the doctor go through the medication curriculum with the student. AL AK AZ AR Student, if they have a chronic condition school nurse or school administrators The student, if their parent/guardian authorizes them to. Trained school personnel can also administer Students

More information

What does Georgia gain. by investing in its

What does Georgia gain. by investing in its What does Georgia gain by investing in its colleges and universities 2 A tremendous return: More economic prosperity. Less government spending. A stronger competitive advantage. A higher quality of life.

More information

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value

More information

Athene Annuity (DE) Rates

Athene Annuity (DE) Rates January 29, 2015 Athene Annuity (DE) s Athene Benefit 10 SM, Athene Choice, Athene Max and Athene 7 MYG SM rates will remain unchanged for the Athene Annuity (DE) product series. Guaranteed payout rates

More information

OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV

OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV OPPORTUNITIES IN THE AFFORDABLE CARE ACT TO IMPROVE HEALTH CARE COORDINATION AND DELIVERY FOR PEOPLE LIVING WITH HIV Center for Health Law and Policy Innovation chlpi@law.harvard.edu www.chlpi.org CARMEL

More information

STATES VEHICLE ASSET POLICIES IN THE FOOD STAMP PROGRAM

STATES VEHICLE ASSET POLICIES IN THE FOOD STAMP PROGRAM 820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org Revised July 1, 2008 STATES VEHICLE ASSET POLICIES IN THE FOOD STAMP PROGRAM States

More information

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries

Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Yonatan Ben-Shalom Arif Mamun Presented at the CSDP Forum Washington, DC September 17, 2014 Acknowledgments The research

More information