B r i e f R e p o r t

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1 Exposé

2 Effective: January 2012 GERMAN FEDERAL INSURANCE AUTHORITY Structure and tasks ORGANISATIONAL POSITION OF THE GERMAN FEDERAL INSURANCE AUTHORITY The German Federal Insurance Authority (GFIA) is an independent Superior Federal Authority which was established by law in 1956 and responsible to the Federal Ministry of Labour and Social Affairs. As a legal supervisory authority for statutory pension and occupational accident insurance, the Federal Insurance Authority collaborates technically with the Federal Ministry of Labour and Social Affairs, and with regard to the legal supervision of the statutory health and long-term care insurance, with the Federal Ministry of Health. With regard to its supervisory activities, the Federal Insurance Authority is only bound to general instructions given by the federal ministries but is not subject to specific instructions regarding individual cases. Chairman: Vice-President: Dr. Maximilian Gaßner Sylvia Bohlen-Schöning At present, the German Federal Insurance Authority has approx. 590 employees, employed in 9 departments and 48 divisions. The main office of the German Federal Insurance Authority is located at Friedrich-Ebert-Allee 38, Bonn. RESPONSIBILITIES OF THE GERMAN FEDERAL INSURANCE AUTHORITY I. Supervision of social insurance funds and other institutions under direct federal control When a social insurance provider is responsible for more than three federal states, it becomes part of the federal administration system and is referred to as a social insurance fund under direct federal control. These social insurance providers under direct federal control ( : 101 funds) providing statutory health, pension and

3 - 2 - occupational accident insurance are subject to the legal supervision by the Federal Insurance Authority, and include: the German Federal Pension Insurance Institute (Deutsche Rentenversicherung Bund), the German Pension Insurance Mining-Railways- Seafaring (Deutsche Rentenversicherung Knappschaft-Bahn-See) as well as all compensatory funds and the funds created for long-term care insurance at the health insurance providers as well as all professional insurance associations, two agricultural social insurance funds and the Federal Accident Insurance Fund (Unfallkasse des Bundes), the Accident Insurance Fund for Deutsche Post and Deutsche Telekom (Unfallkasse Post und Telekom) and the Railway Accident Insurance Fund (Eisenbahn- Unfallkasse) (see annex). More than half of the persons insured under the statutory social security insurance system are covered by funds supervised by the German Federal Insurance Authority. The remaining social security insurance providers are under the supervision of the federal state in which they are located. The Federal Insurance Authority is also entrusted with the supervision of the German Federal Pension Insurance Institute to the extent to which the latter performs fundamental and cross-cutting tasks in accordance with Section 138 (1), Sentence 2, Nos. 2 to 4, 6 to 14, and 16, Vol. VI of the German Social Code on behalf of the overall pension insurance system, including the faculty to take binding decisions for all pension insurance funds. The Federal Insurance Authority is also responsible for supervising the Supplementary Provident Fund for Employees in Agriculture and Forestry (Zusatzversorgungskasse für Arbeitnehmer in der Land- und Forstwirtschaft), the Seafarers' Retirement Fund (Seemannskasse), the Artists Social Welfare Fund (Künstlersozialkasse), the German Pension Institution for District Master Chimney Sweeps (Versorgungsanstalt der deutschen Bezirksschornsteinfegermeister) and the Ernst Abbe Foundation (Ernst-Abbe- Stiftung) to the extent that these funds are established according to the Supplementary Pension Scheme Equal Treatment Act. In addition, there are also numerous associations of social insurance funds, such as the Association of the Compensatory Funds (vdek - Verband der Ersatzkassen), which are subject to supervision by the Federal Insurance Authority. Furthermore, the Federal Ministry of Labour and Social Affairs made use of the possibility provided by Section 87 (3), Sentence 2, Vol. IV of the German Social Code to entrust the Federal Insurance Authority with the legal supervision of the German Social Accident Insurance (DGUV - Spitzenverband

4 - 3 - Deutsche Gesetzliche Unfallversicherung e.v.) where the latter exercises the power to issue certain directives and concludes agreements regarding the provision of medical treatment and the remuneration of doctors. In addition, the Federal Insurance Authority exercises the supervision of the National Association of Agricultural Social Insurance Funds (Spitzenverband der landwirtschaftlichen Sozialversicherung) established 1 January 2009 which is, in addition to its association and administration tasks, entrusted with fundamental and cross-cutting tasks that include binding decisions for all agricultural social insurance funds. 1. Supervision: Consultancy and sanctions Any supervisory activities are carried out in the framework of a dialogue. Successful supervision is hence not measurable by the number of sanctions imposed but becomes mainly apparent in the effectiveness of advisory consultations. If any insurance provider fails to take remedial action to correct infringements despite having been advised to do so, the Federal Insurance Authority is entitled to issue a notice of obligation (ordering also its immediate enforcement if necessary). Social insurance providers must, by law, deploy funds in a cost-effective manner. This enables the Federal Insurance Authority to audit the economic behaviour of the providers as part of its supervisory tasks. Supervising selective agreements with health insurance providers (for GP-centred care, integrated health care, provision of aids and appliances, outsourcing etc.) is becoming an increasingly important part of the activities carried out by the Federal Insurance Authority. Social insurance providers are entitled to appeal against regulatory measures issued by the Federal Insurance Authority by submitting an objection to the Higher Social Courts of their respective Land. 2. Petitions and applications A significant part of the supervisory activities of the Federal Insurance Authority consists in handling petitions, applications and complaints concerning any social insurance

5 - 4 - issue. In 2011, about 5,925 cases were handled and mainly concerned health insurance issues. Among other things, applications and petitions highlight legal and practical problems encountered in the implementation of laws. In many cases they draw attention to wrongful conduct by social insurance providers and thus provide useful indications for supervisory audits. 3. Supervisory audits Supervisory audits carried out at the insurance providers are an important source of information for the Federal Insurance Authority. Audits are carried out on an on-going basis in accordance with an audit schedule established at the beginning of each year. The Federal Insurance Authority carries out around 180 supervisory audits annually. In addition, health insurance providers are audited by the Health Insurance Audit Service (see section III). 4. Tender procedures / Tender review body The Federal Insurance Authority is also responsible for reviewing tender procedures with regard to compliance with the provisions of: the Contracting Regulations on the Award of Public Supply Contracts (VOL/A - Verdingungsordnung für Leistungen, Teil A), the Contracting Regulations on the Award of Public Works Contracts (VOB/A - Vergabe- und Vertragsordnung für Bauleistungen, Teil A) and the Contracting Regulations on the Award of Contracts for Services Provided by Liberal Professions (VOF - Verdingungsordnung für freiberufliche Leistungen), the Law Against Restraints of Competition (GWB - Gesetz gegen Wettbewerbsbeschränkungen) as well as the Regulation on the Award of Public Contracts (VgV - Vergabeverordnung). In addition, the Federal Insurance Authority assumes the role of a tender review body for award procedures concerning construction works for social insurance providers under direct federal control. II. Participatory rights Numerous autonomous legislatives acts proposed by the self-regulatory bodies of the social insurance providers require approval by the Federal Insurance Authority. These

6 - 5 - include in particular: approval of by-laws of insurance providers (e.g. in case of health insurance institutions charging additional contributions or granting premiums, mergers of occupational accident insurance providers, health insurance and long-term care insurance institutions) and approval of or objection to budget plans, service regulations (including establishment plans), scales of risks established for accident insurance cover, decisions regarding reserve funds as well as reporting and approval of investments (purchase of land, loans, equity participations and construction works including the related leasing provisions). This kind of preventative supervision is very effective since the monitoring activities carried out by the Federal Insurance Authority help to achieve, on average, savings of five per cent on the construction volume planned by the social insurance providers. III. Legal and performance audit of health and long-term care insurance providers According to Section 274 (1), Vol. V of the Social Code, the business, accounting and operational management of health insurance institutions under direct federal control as well as their long-term care insurance funds and the relative associations shall at least be reviewed every five years by the Federal Insurance Authority. These audits are carried out by the local offices of the Federal Insurance Authority in Berlin, Cloppenburg, Duisburg, Fulda and Ingolstadt. At present, there are about 90 auditors working in single audit teams. In addition, an auditing team provides advisory audits known as PDL for agricultural social insurance providers. Besides monitoring the implementation of legislation, these audits serve to provide information to the competent parties and to promote considerations in relation to the further development of the insurance providers, as well as to provide orientation and support in decision-making. They are advisory in character and do not focus on finding individual mistakes. Primarily, they are intended to identify shortcomings and to have a preventive effect. In response to the structural changes that have affected the health insurance sector and also to the growing importance of information technology, the Audit Service has adapted its auditing procedures by deploying primarily specialized audit groups and using electronic auditing tools. Furthermore, the National Association of Statutory Health Insurance Funds (GKV- Spitzenverband) and the National Association of Statutory Health Insurance Physicians (Kassenärztliche Bundesvereinigungen) are subject to audits pursuant to Section 274, Vol. V of the Social Code.

7 - 6 - IV. Legislative powers of the Federal Insurance Authority The Further Organisational Development Act of the Statutory Health Insurance System (GKV-Organisationsweiterentwicklungsgesetz) obliges the health insurance providers and their associations to set aside sufficient cover capital and provisions for their pension-related liabilities (company pension commitments for their employees) by 31 December All pertinent details, in particular the definition of the relevant pensionrelated liabilities, the actuarial parameters for the determination of their cash value as well as the calculation of the allocations needed for establishing the required capital reserve are to be regulated by statutory order. With the Instrument of Delegation dated 12 February 2010 in Respect of Functions Concerning the Issuing of Regulatory Instruments in accordance with Vol. V of the Social Code (SGB V- Übertragungsverordnung), the Federal Ministry of Health entitled the Federal Insurance Authority to issue the respective regulatory orders. The Regulation Concerning Pension Accruals in the Health Insurance System (Krankenkassen-Altersrückstellungsverordnung) entered into force on 26 July V. Special administrative tasks of the Federal Insurance Authority Besides its duties as a supervisory authority, the Federal Insurance Authority is also entrusted with a series of administrative tasks. These include, in particular: 1. Federal subsidies granted to the statutory pension insurance scheme The federal authority contributes significantly to financing the social insurance system, particularly with regard to the statutory pension insurance scheme. The Federal Insurance Authority is responsible for the management of federal subsidies and all other financial allocations for social insurance funds. In the fiscal year 2011, the volume of federal funds earmarked for the statutory pension insurance scheme came to more than 80 billion Euros. By managing the federal subsidies allocated for the German Pension Fund, the Federal Insurance Authority is also part of the system established to ensure the financing of the statutory pension insurance scheme (federal guarantee).

8 Risk structure compensation schemes in statutory health insurance The German Federal Insurance Authority is responsible for implementing the risk structure compensation scheme (RSA - Risikostrukturausgleich) established in Any health insurance provider, except those established for the agricultural sector, fall under the RSA system. The essential idea behind the risk structure compensation scheme is to compensate the financial implications of disparities between the health insurance providers in the distribution of morbidity risks and allowances for family expenses. At the same time, by paying standardised allowances rather than the actual expenses incurred, health insurance providers should be stimulated to maintain a sound financial management. Since 2009, the risk structure compensation scheme has not only been based on the usual factors for compensation (age, sex and the drawing of disability benefits for reduced earning capacity), but also on morbidity groups which are part of a classification model for insured persons, which is established and regularly assessed by the Federal Insurance Authority. On the basis of in-patient diagnoses and prescriptions for medicine, this classification model groups insured persons into morbidity groups for which similar medical expenses may be expected in the subsequent year. The Scientific Advisory Board for the Further Development of the Risk Structure Compensation Scheme (Wissenschaftlicher Beirat zur Weiterentwicklung des Risikostrukturausgleichs) supports the Federal Insurance Authority in carrying out this task. The Scientific Advisory Board is composed by the director Prof. Dr. Jürgen Wasem and five experts with medical, pharmaceutical, statistical and health economic expertise. The Health Fund (see item 3) was established at the same time as the introduction of the morbidity-based risk structure compensation scheme. The revenue from the general contribution rate that is uniform at federal level is no longer administered by the health insurance institutions; instead, these revenues form the special Health Fund administered by the Federal Insurance Authority. In order to finance their expenditure, the health insurance providers receive now financial allocations from the Health Fund distinguishing between: allocations to cover mandatory services allocations for statutory and discretionary services

9 - 8 - allocations for expenditure related to the development and implementation of structured treatment programmes, and allocations to cover administrative expenses. The amount of these allocations is calculated by the Federal Insurance Authority on the basis of an updated version of the morbidity-based risk structure compensation scheme and monthly notification thereof is sent to health insurance providers. The Federal Insurance Authority controls this procedure by determining and publishing surcharge levels and by establishing individual parameters for the monthly allocations for each health insurance fund. In addition, the procedure takes account of changes in the risk structures of the health insurance providers by implementing three structural adjustments for each year of compensation. Once the annual accounts and business results have been submitted by the health insurance providers, the GFIA proceeds with the final annual adjustment. The respective calculations are based on a broad data set reported by the health insurance providers. In order to maintain the data set, the GFIA was entrusted with further review tasks. 3. Administration of the Health Fund Since 1 January 2009, the Federal Insurance Authority has been administered the incoming contributions for health insurance and collected these in a special fund (Health Fund) in accordance with Section 271 (1), Vol. V of the Social Code. These are health insurance contributions (including contributions from marginal employment) recovered by collecting agencies and contributions which are to be paid by the Federal Employment Agency (Bundesagentur für Arbeit), municipal providers recognised pursuant to Vol. II of the Social Code, the Federal Office for Defence Administration (Bundesamt für Wehrverwaltung), the Artists Social Welfare Fund as well as contributions which are to be paid for pension benefits. Additionally, the Health Fund is fed by federal funds as well as returns on capital gained over the course of each year. The inflow of funds takes place on a daily basis or according to respectively established due dates. Health insurance providers are informed of the amount of the monthly allocations by means of a notification (Section 39 (2), Sentence 2 of the Regulation

10 - 9 - concerning the risk structure compensation procedure in statutory health insurance - Verordnung über das Verfahren zum Risikostrukturausgleich in der gesetzlichen Krankenversicherung, RSAV). These notifications explain the basis for the instalments payable by the Health Fund during the payment month, the disbursement of which is based on incoming contributions. If the amounts received during a disbursement period are insufficient for the allocation, the related deficit will be temporarily compensated with funds from the federal budget (Section 271 (2) and (3), Vol. V of the Social Code. In this context, the Federal Insurance Authority is responsible for effecting the required payments (Section 39, RSAV) as well as for the accounting and reporting related to these payments (Section 220 (3), Vol. V of the Social Code). 4. Audit of contributions paid to the Health Fund Auditing the contributions paid to the Health Fund is of particular importance in this contexts. These audits aim at ensuring the revenue of the Health Fund and hence the long-term financial liquidity of the statutory health insurance system. In legal terms, different auditing approaches (Section 251 (5), Sentence 2, Vol. V of the Social Code, Section 28 q, Vol. IV of the Social Code, Section 252, (4), Vol. V of the Social Code) take into account the heterogeneity in the structure of the existing payment flows. In addition, internal audits are carried out based on the transmitted contribution statements, for instance audits in accordance with Section 271a, Vol. V of the Social Code. The Federal Insurance Authority is responsible, to a varying degree, for the installation, design, coordination, implementation and further development of the different audit procedures. The effective assessment of shortcomings of the authorities paying the contributions is effectively not only performed by personnel of the GFIA. In fact, the GFIA co-operates with pension insurance providers and the Federal Employment Agency (Section 28 q (1a), Vol. IV of the Social Code) and with health insurance providers and their associations (Section 251 (5), Sentence 2, Vol. V of the Social Code) within legal or contractual mandates. These audits do not only serve as a basis for the required compensation, but also aim at contributing decisively to the detection of shortcomings in the calculation and the payment proceedings of the contributions in order to create a preventive effect for the future.

11 Approval of structured treatment programmes for patients with chronic diseases The German Federal Insurance Authority has the core responsibility for the approval of structured treatment programmes for chronically ill patients, the so-called Disease Management Programmes (DMPs), covering diabetes mellitus types 1 and 2, breast cancer, coronary heart disease (CHD) including the module for chronic cardiac insufficiency, bronchial asthma and chronic obstructive pulmonary disease (COPD). The primary objective of these DMPs is to improve the care provided to insured persons with chronic diseases. These programmes aim in particular at avoiding the occurrence of certain consequent damages and complications that may arise for the affected insured persons due to chronic diseases. DMPs are hence intended to help ensure the provision of responsive and cost-effective care services, with a view to remedying existing deficiencies such as excessive, poor or incorrect care services in the health care system. These programmes additionally aim at reducing overall treatment costs by avoiding complications, hospitalisation and secondary damage. The Federal Insurance Authority assesses from a medical and a legal point of view, if the programmes proposed by the health insurance providers as well as all contracts concluded for their implementation between health insurance providers and service suppliers (e.g. doctors, hospitals) or third parties (e.g. data processing centres) are in accordance with the legal requirements. This ensures a standardised procedure and a neutral assessment of the prerequisites for programme accreditation. In order to maintain the accreditation, the programme must be subject to evaluation. To that purpose - in accordance with Section 28g (2) RSAV as amended prior to 31 December 2011 in conjunction with Section 321 of the Social Code - the Federal Insurance Authority is committed to working towards ensuring that evaluation of the DMPs proposed by the single health insurance providers is comparable from a diagnostic point of view by setting methodological criteria. The above shall apply until an appropriate directive of the Federal Joint Committee (Gemeinsamer Bundesausschuss, G-BA) has entered into force. A scientific board assists the GFIA in this task. In order to promote the DMPs, since 1 January 2009 health insurance providers have been allocated funding from the Health Fund for each insured person registered under the programmes to cover the required medical expenses as well as documentation and

12 coordination services (a so-called fixed programme expenditure allowance). For 2012, this allowance amounts to 153,12 Euros per registered insured person. Additional information is available in the "DMP" section of the GFIA website. 6. Financial equalisation in statutory long-term care insurance The German Federal Insurance Authority operates the monthly financial equalisation in the social long-term care insurance system. It is only due to this compensation scheme that the long-term care insurance system may adopt a contribution rate, which is uniform at federal level, of 1.95 per cent of the income subject to contributions plus a supplement of 0.25 per cent for childless contribution payers. When the monthly expenses of longterm care insurance providers exceed their income, the compensation scheme ensures that they are provided with funds up to the amount of the legal defined target working capital and reserves. At present, up to 0.8 billion Euros have to be paid out each month in order to ensure the liquidity of long-term care insurance providers. In order to finance these allocations, long-term care insurance providers with a monthly income exceeding their expenses transfer the difference between their income and their target working capital and reserves to the compensation fund. Since long-term care providers do not dispose of their own administrative staff and their respective tasks are carried out by the staff members of the health insurance providers, their administrative costs are reimbursed by the long-term care insurance providers on a lump sum basis. This reimbursement procedure is carried out by the Federal Insurance Authority on a per-incident basis. 7. Equalisation fund for long-term social care insurance The German Federal Insurance Authority administers the equalisation fund which ensures financial equalisation in the long-term care insurance system. This fund serves as a fluctuation reserve for all insurance providers and is used to carry out the financial equalisation. Besides transfer payments of long-term care insurance providers, the equalisation fund also contains the long-term care insurance contributions for pensioners received directly from pension insurance providers as well as certain contributions payable by the state, districts, and local governments in their capacity as social service providers. In addition, the equalisation fund receives contributions forwarded by the Health Fund (long-term care insurance contributions for recipients of Unemployment

13 Benefit I and II, lump sum contributions for conscripts on compulsory military or community service and long-term care insurance contributions from the Artists Social Welfare Fund). As the competent administration body, the Federal Insurance Authority is responsible for investing these funds in a safe and profitable manner that ensures liquidity. The equalisation fund is also the disbursing agent for funding of up to 25 million Euros granted by the National Association of Statutory Health Insurance Funds for the further development of care-giving structures in accordance with Section 45c and d, Vol. XI of the Social Code. This financial support is co-financed by the Länder granting funds of the same amount. Private compulsory long-term care insurance providers contribute 10 per cent of the funding provided by the long-term care insurance system. In addition, a budget of 5 million euros is granted annually for model projects implemented by the National Association of Statutory Health Insurance Funds for the further development of long-term care insurance in accordance with Section 8 (3), the Vol. XI of the Social Code. An additional budget of 60 million Euros was granted to fund care support centres in accordance with Section 92c, Vol. XI of the Social Code for the period from 1 July 2008 until 30 June Burden-sharing in the commercial occupational accident insurance system Every year, the Federal Insurance Authority carries out the procedure for sharing the burdens among all professional insurance associations. The new burden-sharing mechanism, which replaces the former system for burden-sharing in commercial occupational accident insurance, is being introduced step-by-step over a transitional period from 2008 to The new system provides that each professional insurance association bears its pension liabilities according its current economic structure while retaining the principle of sector specificity and primary responsibility of individual industry sectors for accidents at work and occupational diseases caused by them. Outstanding pension commitments (the socalled Überaltlast i.e. the difference that results when the total pension burden of all professional insurance associations is higher than the total structural burden) are shared jointly by all associations.

14 Transitional Body for the Social Insurance of the GDR (ÜLA - Überleitungsanstalt Sozialversicherung) As of 1 January 1992, the powers and pending tasks of the ÜLA were devolved to the president of the German Federal Insurance Authority. This entailed, in particular, the liquidation of the joint assets of the Mutual Social Insurance Provider of the GDR. The same applies to the premises that, being assets in administrative use, are due to the Social Insurance and are to be classified according to the Unification Treaty as joint property assets owned by the Social Insurance in the acceding territory. 10. Tasks under Compensation Pension Act / Head Office of the Commission Pursuant of the provisions of the Compensation Pension Act, the German Federal Insurance Authority decides upon the awarding of compensation pensions to victims of National Socialism within the acceding territory. The Federal Insurance Authority also decides whether existing claims are to be disallowed or reduced if a person claiming a pension is guilty of having violated rule-of-law or humanitarian principles in the former GDR. The German Federal Government has set up a commission which is responsible for submitting proposals. The offices of the commission are established at the Federal Insurance Authority. 11. Training for social security insurance provider employees The German Federal Insurance Authority is involved in the training of qualified recruits for the social insurance providers under direct federal control: Nominated under the Vocational Training Act (BBiG - Berufsbildungsgesetz) as the competent authority, the Federal Insurance Authority is responsible for monitoring the vocational training of social insurance clerks, administrative clerks, office communication and information services clerks, and also lends advisory support to the trainees. Furthermore, the GFIA is responsible holding interim and final examinations. In addition, the Federal Insurance Authority holds examinations under Section 54 BBiG for advanced training courses leading to government-recognised qualifications as social insurance business administration specialist for statutory

15 pension insurance and miners' social insurance (Sozialversicherungsfachwirt/in der Fachrichtungen gesetzliche Renten- und knappschaftliche Sozialversicherung), health insurance business administration specialist (Krankenkassenfachwirt/in) and specialist in public administration (Verwaltungsfachwirt/in). As the Examination Office for civil service examinations for candidates for higher service careers in non-technical areas of social insurance, the Federal Insurance Authority holds civil service grade examinations (Laufbahnprüfungen) for student candidates from the Departmental Branch of Social Security Administration of the Federal University of Applied Administrative Sciences aspiring to become civil servants within the German Federal Pension Insurance, German Pension Insurance Mining-Railways-Seafaring or at the GFIA itself. 12. Maternity Benefit Unit Female employees who are not covered by statutory health insurance receive their maternity benefit payments from the German Federal Insurance Authority. Approximately 22,000 applications for maternity benefit are processed each year. 13. Advisory support in political decision making Providing advisory support in political decision making is not part of the legally established duties of the German Federal Insurance Authority. However, the GFIA is increasingly being called upon to assist parliamentary consultations on pending legislation with its expertise as a competent authority.

16 Annex Institutions supervised by the German Federal Insurance Authority Insurance providers: Health Insurance (including long-term care insurance providers) Company Health Insurance Funds: 71 Trade Guild Health Insurance Funds: 3 Auxiliary Health Insurance Funds: 6 Agricultural Health Insurance Funds: 2 Miners' Health Insurance Fund: Insurance providers: Pension insurance German Federal Pension Insurance: 1 German Pension Insurance Mining-Railways-Seafaring: 1 Agricultural Pension Funds: Insurance providers: Occupational accident insurance Industry/Trade professional insurance associations: 9 Agricultural professional insurance associations: 2 Accident Insurance Funds: Other: National Association of Agricultural Social Insurance Funds German Social Accident Insurance Supplementary Provident Fund for Employees in Agriculture and Forestry Seafarers' Retirement Fund Artists Social Welfare Fund Ernst Abbe Foundation German Pension Institution for District Master Chimney Sweeps Associations of social insurance funds Effective: January 2012

17 German Federal Insurance Authority Postal Address Friedrich-Ebert-Allee Bonn Tel.: / Fax: / poststelle@bundesversicherungsamt.de Internet: