In late 2008, the Dow Jones Industrial Average had
|
|
- Nelson Simon
- 7 years ago
- Views:
Transcription
1 November December 203 Unemployment Claims Management: A Focus on Compliance By Greg Good Greg Good, Director of Product Marketing for Employer Services at Equifax Workforce Solutions, explains how compliance is the key to avoiding penalties imposed due to inadequate or delayed responses for requests for unemployment claim information. Greg Good is Director of Product Marketing for Employer Services at Equifax Workforce Solutions, a leader in human resource, data, and workforce analytic services. 203 G.Good. In late 2008, the Dow Jones Industrial Average had fallen nearly 50 percent, fueling a widespread economic recession that would see U.S. unemployment rates reach a new 25-year high (Fig.). During this period of time, unemployment insurance (UI) claims followed suit and spiked significantly, with state benefit payments reaching a high of $76.8 billion in As a result, states experienced severe trust fund deficits for several years, as unemployment tax revenues were eclipsed by unemployment benefit payments (Fig. 2). Further exacerbating the situation, the increases in unemployment benefit payments were accompanied by a corresponding increase in improper benefit payments. In 202, state UI benefit overpayments totaled approximately $4.88 billion, representing 0.8 percent of unemployment payments (Fig.3). While these improper charges include payments made to claimants who are in prison, or even deceased (through identity theft), the most common source of these overpayments are related to claimants collecting wages from a new employer while continuing to accrue their previous benefits. While the effects of the recent recession continue to impact state unemployment reserves, a renewed focus has been placed on the integrity of the UI system as states look to replenish insolvent trust funds moving forward. Eighteen states currently maintain insolvent unemployment trust funds. 3 27
2 Unemployment Claims Management: A Focus on Compliance Figure : National Unemployment Rate 2% Peak Recessionary Period 0% 7.8% 8% 6% 4% Source: U.S. Department of Labor, Quaterly Unemployment Rates, Figure 2: National Unemployment Benefit Contributions vs. Payments (000s) $80,000,000 $70,000,000 $60,000,000 $50,000,000 $40,000,000 $30,000,000 $20,000,000 $0,000,000 $ Q08 Q308 Q09 Q309 Q0 Q30 Q Q3 Q2 Q32 Revenue Benefits Paid Source: Compiled from U.S. DOL UI Data Summary, 2 mo. Rolling period The Unemployment Insurance System Both employers and state agencies share in the responsibility, as well as the administration, of the UI program. While states are required to ensure that individuals meet eligibility requirements and receive their UI benefits, employers remain responsible for providing the states with the information needed to make an accurate determination. To facilitate this collaboration, states notify employers when a request for unemployment benefits is made and maintain established parameters for timeliness and accuracy of employer response. However, despite the current system, UI benefit overpayments continue to occur as result of late, incomplete, or inaccurate responses to state UI information requests. New UI Integrity Legislation With a heightened focus on UI Integrity, a federal mandate was developed to address the timeliness and accuracy of employer response to unemployment claims. The Trade Adjustment Assistance Extension Act (TAAEA) of 20 provides for a statutory subsection in the Federal Unemployment Tax Act (FUTA), which mandates that state UI agencies prohibit relieving employers of benefit charges to their unemployment tax account when both of the following scenarios exist: CCH Incorporated. All Rights Reserved.
3 November December 203 Figure 3: 202 Unemployment Benefit Overpayments 0.8% Total Annual Unemployment Benefit Payments Figure 4: FUTA Subsection (Definitions) Because the federal UI mandate is open to state interpretation, additional guidance is as follows: Timely Response: A timely response has been interpreted by most states to be in the range of 7 0 days (similar to previous guidelines). Adequate Response: While it is clear that information must be provided in response to every questions in the RFI, the exact level of detail and documentation required is more difficult to define. Both employers and their Unemployment Cost Management providers will need to monitor state responses, including the level of detail that prompts successful appeals, in order to develop a reasonable understanding of the support required by states moving forward. Source: U.S. Department of Labor, 202 $4.88B in improper benefits ) UI benefits were improperly paid because the employer, or their agent, was at fault for failing to respond in a timely or adequate manner to the agency s request for information (RFI) relating to the unemployment claim. 2) The employer or agent has established a pattern of failing to respond to such requests in a timely or adequate manner. In addition, section 3303(f)(2) of FUTA permits states to impose even stricter standards in limiting relief from charges, such as, but not limited to, denying relief from charges to an employer after the first instance of an inadequate or delayed response to an RFI. States were required to have the necessary legislation in place by October 2, 203 (Fig. 5), otherwise employers in their state may be at risk for additional penalties. A Significant Shift in Perspective To ensure the successful implementation of this federal initiative, states are shifting increasing responsibility for UI Integrity to employers by enforcing more stringent penalties for noncompliance. Employer response to unemployment claims is no longer perceived as a choice, but as a requirement In 202, state UI benefit overpayments totaled approximately $4.88 billion, representing 0.8 percent of unemployment payments. Pattern of Failure: The criteria for sustaining a pattern of failure, on the other hand, has been more distinctly defined with most states interpreting this as two or more instances (or 2 percent or more of claims) within a calendar year. that must be fulfilled in order to remain compliant with the new state regulations. Specifically, the employer perspective toward response to state requests for information (RFIs) has transitioned in the following manner: Previously: Employers often made a choice between responding or not responding to an unemployment claim (i.e., while it was always technically required, a response was only considered worthwhile if the employer felt that benefits should not be paid to the claimant). Moving Forward: Employers are required to respond to all claims in order to not only remain in compliance with new state regulations, but now to avoid real financial repercussions as well. While employers have historically been inclined to respond (i.e., protest) only to those unemployment claims that were considered inaccurate, they will now be required to respond to all claims, regardless of their perceived legitimacy, in order to remain compliant with emerging state regulations and minimize financial exposure. Journal of State Taxation 29
4 Unemployment Claims Management: A Focus on Compliance Figure 5: State Adoption of UI Legislation WA OR NV CA HI ID UT AZ MT WY CO NM ND MN SD WI NY MI IA PA NE IL IN OH WV KS MO VA KY NC TN OK AR SC MS AL GA LA TX FL ME CT DC DE MA MD NH NJ PR RI VI VT In Effect (23 Jurisdictions) Passed (3 Jurisdictions) Pending (6 Jurisdictions) No action taken yet ( Jurisdictions) AK Source: U.S. DOL / ETA. 203; Data updated as of 8/7/3 The Bottom Line: Loss of Benefit Charge Relief The TAAEA of 20 directs all states to prohibit the relief of unemployment benefit charges resulting directly from an employer s (or their agent s) pattern of failure to adequately respond to state UI information requests. If states do not have the necessary legislation in place by October 2, 203, employers in their jurisdiction risk losing the 5.4-percent maximum federal unemployment insurance (FUTA) credit 4 thereby increasing the FUTA tax cost to employers by as much as $378 per employee. Under these new requirements, employers are expected to improve the quality of information provided to state unemployment agencies at the front end of the UI claim process, rather than waiting until after the initial determination is rendered to perfect their response. Even if an employer is able to reverse an unfavorable determination at an unemployment hearing, the consequence of not providing sufficient details up front is a loss of benefit charge relief from the date of initial charges through the date of suc- Figure 6: Additional State UI Penalties The Following states have implemented additional penalties, beyond non-relief of charges, for late or insufficient response to UI related requests for information: California: Louisiana: Maryland: Mass: Minnesota: Nebraska: Oregon: Vermont: Virginia: Up to 0 times the weekly benefit amount (false statement penalty) $50 $000 (false statement penalty) $5 penalty per instance $25 penalty per instance and loss of appeal rights Employer must pay the trust fund the amount of the overpaid benefits (insufficient response penalty); Up to $500 (false statement penalty) Loss of appeal rights 2 to 0 times the benefit amount (false statement penalty) $00 penalty per instance $75 penalty after third offense Implemented by state prior to new UI Integrity legislation (MN already had the $500 false statement penalty) 2 Because many states have yet to enact their new UI legislation, this list is expected to increase in size CCH Incorporated. All Rights Reserved.
5 November December 203 Figure 7: State Adoption of SIDES WA OR NV CA HI ID UT AZ MT WY CO NM ND MN SD WI NY MI NE IA PA IL IN OH WV KS MO VA KY NC TN OK AR SC MS AL GA LA TX FL ME CT DC DE MA MD NH NJ PR RI VI VT Already live (38 Jurisdictions) Live in 203 (4 Jurisdictions) Live in 204 (4 Jurisdictions) Unknown (7 Jurisdictions) AK Source: NASWA / UISIDES. org. 203; Data provided as of 8/9/203 cessful appeal or hearing. Should this increase in benefit charges negatively impact employer UI tax rates moving forward, the monetary impact could be significant. Because the new UI Integrity legislation does not specifically indicate that employers lose appeal rights due to insufficient response, employers may still (in most states) appeal an unfavorable claim determination and potentially eliminate the remainder of the charges. However, as the TAAEA does allow states to increase the severity of the penalties for noncompliance to UI related information requests, several jurisdictions have taken it upon themselves to legislate the loss of appeal rights to employers who provide an insufficient claim response. As a result, employers in these states may lose the opportunity for claims relief for the full duration of the unemployment claim. A Successful Strategy for UI Compliance Providing timely, accurate, and complete documentation in response to all claims is critical to not only avoiding noncompliance penalties, but to ensure proper determinations and minimize improper payments as well. With compliance functioning as a critical element of the unemployment claims management process moving forward, there are several strategies for preventing unnecessary benefit payments, minimizing unemployment costs and risks, and conforming to these new regulations. Rapid and accurate claims response: Providing timely, accurate, and complete documentation in response to all claims is critical to not only avoiding noncompliance penalties, but to ensure proper determinations and minimize improper payments as well. The use of the State Information Data Exchange System (SIDES), which is now available in the majority of states (Fig. 7), expedites the delivery of critical claims informa- Journal of State Taxation 3
6 Unemployment Claims Management: A Focus on Compliance tion online, while simultaneously supporting data integrity. Front-end applications developed by thirdparty administrators can further enhance the SIDES interface through a customized information response system. This ensures that employers provide adequate claims response in the most efficient manner, while simultaneously avoiding the generation of unneeded documentation. Comprehensive employee training: It is critical that HR personnel, as well as any managers involved in the hiring and termination process, are provided with training regarding how to most effectively take the required steps for employee review, document cases of misconduct, and respond to requests from state agencies. Easy access to employee data and case history: The availability of key data, notes, and documentation, which is needed in response to state RFIs regarding unemployment claims, ensures that employers are able to provide required information in a timely and accurate manner. Comprehensive workforce data reporting and benchmarking: Robust reporting of unemployment claims management results, such as protest rates, win rates, and hearing results, can help employers identify opportunities for improvement while assessing performance in comparison to industry standards. Updating state databases: By responding promptly to Wage Earning Verification requests and reporting new hires and re-hires to the states (including the National Directory of New Hires within 20 days of hire), employers ensure that state agencies are provided with data necessary for accurate unemployment eligibility determinations. Adherence to these guidelines will not only reduce benefit overpayments, but will help improve state agencies efficiency in administering the process while ensuring that employers financial exposure (in light of new compliance legislation) is kept to a minimum. Endnotes U.S. Bureau of Labor Statistics, U.S. Department of Labor, Benefit Accuracy Measurement Data Summary, U.S. Treasury, Internal Revenue Service (FUTA), 203. This article is reprinted with the publisher s permission from the Journal of State Taxation, a bimonthly journal published by CCH, a part of Wolters Kluwer. Copying or distribution without the publisher s permission is prohibited. To subscribe to the Journal of State Taxation or other CCH, a part of Wolters Kluwer journals please call or visit CCHGroup.com. All views expressed in the articles and columns are those of the author and not necessarily those of CCH, a part of Wolters Kluwer or any other person CCH Incorporated. All Rights Reserved.
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 informationHow To Rate Plan On A Credit Card With A Credit Union
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 informationFederation 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 informationUnderstanding Payroll Recordkeeping Requirements
Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements
More informationFederation 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 informationStandardized 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 informationState 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 informationPayroll Tax Chart Results
Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision
More informationVCF 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 informationFederation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements
These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is
More informationNAAUSA 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 informationRegional 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 informationTITLE 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 informationNew 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 informationFederation 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 informationI N T E R N A T I O N A L E X E C U T I V E S E R V I C E S T A X
I N T E R N A T I O N A L E X E C U T I V E S E R V I C E S Taxation Without Representation: U.S. State Tax Considerations and the Globally Mobile Assignee T A X KPMG LLP ANY TAX ADVICE IN THIS COMMUNICATION
More informationLIMITED LIABILITY COMPANY ORGANIZATION CHART
LIMITED LIABILITY COMPANY ORGANIZATION CHART The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited liability company in all 50 states
More informationSuitability 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 informationNHIS 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 informationehealth 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 informationFlorida 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 informationTable 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 informationUnited 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 informationThe 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 informationNotices 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 informationOVERPAYMENTS IN GENERAL
IN GENERAL This chapter deals with state law provisions identifying, establishing, and collecting overpayments. All states have provisions addressing these matters. A state s law generally differs in the
More informationLIMITED PARTNERSHIP FORMATION
LIMITED PARTNERSHIP FORMATION The following Chart has been designed to allow you in a summary format, determine the minimum requirements to form a limited partnership in all 50 states and the District
More informationUnited 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 informationWhat 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 informationSTATE 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 informationINTRODUCTION. 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 informationAmerican Equity Investment Life Insurance Company Bonus Gold (Index 1-07) PFG Marketing Group, Inc.
A Fixed Indexed Annuity with a 16-year surrender period. This product is not available in AK AL CT DE MN NJ NV NY OH OK OR PR TX UT VI WA Ratings A.M. Best : A- Standard & Poor's: BBB+ 1 Year S&P 500 Annual
More informationLexisNexis 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 informationU.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 information2016 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 informationANTHONY 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 informationFOREIGN LIMITED LIABILITY COMPANY REGISTRATION CHART
FOREIGN LIMITED LIABILITY COMPANY REGISTRATION CHART When a Limited Liability Company desires to transact business in a jurisdiction other than its state of formation it must comply with the statutes of
More informationAAIS 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 informationOffer in Compromise. Attach Application Fee and Payment (check or money order) here. IRS Received Date. (Rev. May 2012) Section 3
Form 656 (Rev. May 2012) Department of the Treasury Internal Revenue Service Offer in Compromise Attach Application Fee and Payment (check or money order) here. Section 1 Your Contact Information Your
More informationBroadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers
Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers National Telecommunications and Information Agency (NTIA) U. S. Department of Commerce Funded by the
More informationHealth Workforce Data Collection: Findings from a Survey of States
Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY
More informationEnrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013
Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists
More informationVocational Rehabilitation
Vocational Rehabilitation Senate Education Appropriations Committee October 7, 2015 Emily Sikes, Chief Legislative Analyst, OPPAGA oppaga THE FLORIDA LEGISLATURE S OFFICE OF PROGRAM POLICY ANALYSIS & GOVERNMENT
More informationTable 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 informationDental Therapist Initiatives, Access, and Changing State Practice Acts The ADHA Perspective: An Update
Dental Therapist Initiatives, Access, and Changing State Practice Acts The ADHA Perspective: An Update Pam Quinones, RDH, BS President, ADHA April 29, 2012 I. The Dental Hygiene Workforce as a Partner
More informationState Annual Report Due Dates for Business Entities page 1 of 10
State Annual Report Due Dates for Business Entities page 1 of 10 If you form a formal business entity with the state, you may be required to file periodic reports on the status of your entity to preserve
More informationDownload at www.iii.org/presentations
Residual Markets, Uninsured Motorists and Competition in Maryland Auto Insurance Maryland Auto Insurance Plan Senate Hearing on Uninsured Motorists Annapolis, MD December 16, 2015 Download at www.iii.org/presentations
More informationPreapproval Inspections for Manufacturing. Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH
Preapproval Inspections for Manufacturing Christy Foreman Deputy Director Division of Enforcement B Office of Compliance/CDRH Major Steps Review of the Quality System information Inspection requests generated
More informationUniform Application for Business Entity Adjuster License/Registration (Please Print or Type)
Business Entity License/Registration (Please Print or Type) Check appropriate box for license requested. Resident License Resident Designated Home State: License #: Non-Resident Designated Home State:
More informationSurety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011
Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for
More informationFixed 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 informationLexisNexis Law Firm Billable Hours Survey Report
LexisNexis Law Firm Billable Hours Survey Report Executive Summary Despite the critical impact on a firm s bottom line, it remains challenging for some attorneys and legal staff to efficiently capture
More informationState and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004
State and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004 by Dr. Donald Bruce, Research Assistant Professor dbruce@utk.edu and Dr. William F. Fox, Professor and Director billfox@utk.edu
More informationENS 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 informationDashboard. 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 informationAmGUARD Insurance Company EastGUARD Insurance Company NorGUARD Insurance Company WestGUARD Insurance Company GUARD
About Us For over 30 years, we have protected the interests of the small- to mid-sized businesses that insure with us. At Berkshire Hathaway Insurance Companies, we dedicate our efforts in the areas that
More information10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation 11:00 11:30. Scott Coleman. Channel Sales Manager
11:00 11:30 10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation Scott Coleman Channel Sales Manager Agenda Landscape of the Market Today 10 Reasons Why Vertex SMB is a
More informationAnnual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015
Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: Economy-Wide Statistics Division Briefs: Public Sector Graphical Summary By Phillip Vidal Released
More informationPrescription Drug Marketing Act (PDMA): Understanding the Regulations
Prescription Drug Marketing Act (PDMA): Understanding the Regulations Ron Greenbaum, RPh Director of Compliance and QA Dendrite Interactive Marketing BuzzeoPDMA, Totowa, NJ Agenda - PDMA Introduction Purpose
More informationFlorida 1/1/2015 Workers Compensation Rate Filing
Florida 1/1/2015 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 14, 2014 1 $ Billions 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.873 0.106 Florida s Workers Compensation Premium Volume 2.681 2.368
More informationIn Utilization and Trend In Quality
AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization
More informationA R R A P R E S E N T A T I O N
A R R A P R E S E N T A T I O N May 14, 2 0 0 9 U. S. G E N E R A L S E R V I C E S A D M I N I S T R A T I O N G S A S P U B L I C B U I L D I N G S S E R V I C E Portfolio of 354 M rentable square feet
More informationEstimating college enrollment rates for Virginia public high school graduates
ISSUES& ANSWERS REL 2011 No. 104 Estimating college enrollment rates for Virginia public high school graduates ISSUES& ANSWERS REL 2011 No. 104 Estimating college enrollment rates for Virginia public high
More informationSTATUS OF ITEM FILINGS
National Council on Compensation Insurance Regulatory Services JUNE 3, 2016 STATUS OF ITEM FILINGS IF-2016-06-01 ACTION NEEDED BACKGROUND IMPACT NCCI ACTION PERSON TO CONTACT Review changes in the Status
More informationStates 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 informationMoving TIM from Good to Great?
FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety
More informationHow To Know If You Can Pay More For Health Insurance
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 informationReturn-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 informationFinal 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 informationAN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA
AN INSIDE LOOK AT SOCIAL RECRUITING IN THE USA THE BULLHORN REACH RANKINGS REPORT TM WWW.BULLHORNREACH.COM @BULLHORNREACH JUNE 2012 COPYRIGHT 2012 BULLHORN, INC. ALL RIGHTS RESERVED. EXECUTIVE SUMMARY
More informationRates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States
Rates and Bills An Analysis of Average Electricity Rates & Bills in Georgia and the United States During regulatory and public policy discussions of electricity costs for Georgia ratepayers, the conversation
More informationFunding Your Technology and Archive Conversion Needs
Funding Your Technology and Archive Conversion Needs Presented at the NACRC Legislative Conference March 5, 2011 Facilitators: Larry Burtness & Carol Foglesong Technology funding The question was asked
More informationHail-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 informationCINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS
CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE
More information1. Does your state automatically adopt each new edition of the NESC?
Survey Information United States Regulatory Commissions Adoption of the IEEE National Electrical Safety Code (NESC) The IEEE has conducted a survey of the regulatory bodies in the United States regarding
More informationState Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION
MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN
More informationLegal Concepts Meet Technology: A 50 State Survey of Privacy Laws
Legal Concepts Meet Technology: A 50 State Survey of Privacy Laws Miriam B. Russom University of Illinois at Chicago, Computer Science Department Robert H. Sloan University of Illinois at Chicago, Computer
More informationANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE
ANALYSIS OF US AND STATE-BY-STATE CARBON DIOXIDE EMISSIONS AND POTENTIAL SAVINGS IN FUTURE GLOBAL TEMPERATURE AND GLOBAL SEA LEVEL RISE by Paul Knappenberger SPPI ORIGINAL PAPER Updated April 2013 ANALYSIS
More informationOverview of Workers Compensation Benefits
Overview of Workers Compensation Benefits Presented to the EAIC 3/30/2010 Ann Clayton Ann Clayton and Associates 1 Source: CompScope : Benchmarks 8 th Edition, The Databook, Workers Compensation Research
More informationA descriptive analysis of state-supported formative assessment initiatives in New York and Vermont
ISSUES& ANSWERS REL 2012 No. 112 At Education Development Center, Inc. A descriptive analysis of state-supported formative assessment initiatives in New York and Vermont ISSUES& ANSWERS REL 2012 No. 112
More informationBenefits 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 informationIRA Distribution Form
Use this form to request distributions from your IRA account and to close an IRA. Instructions 1. Complete the form and include any necessary supporting documents. 2. Sign and send us the completed form.
More informationAlaska (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 informationPEER Analysis of OSHA Recordkeeping Inspections Done Pursuant to its National Emphasis Program (NEP)(10/09-8/10) SUMMARY OF DATA
PEER Analysis of OSHA Recordkeeping Inspections Done Pursuant to its National Emphasis Program (NEP)(10/09-8/10) SUMMARY OF DATA 1 The Senate appropriated $1,000,000 to OSHA in January 2009 for use in
More informationEnrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014
Enrollment Snapshot of, Radiation Therapy and Nuclear Medicine Technology Programs 2014 January 2015 2015 ASRT. All rights reserved. Reproduction in any form is forbidden without written permission from
More informationHealth 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 informationHow To Regulate Rate Regulation
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 information50-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 informationAmbulance Industry Receives Financial Relief Through the MMA
Ambulance Industry Receives Financial Relief Through the MMA On June 25, 2004, the Centers for Medicare and Medicaid Services (CMS) issued Transmittal 220 to Medicare Contractors outlining changes to the
More informationPharmacist Administered Vaccines Types of Vaccines Authorized to Administer
5 4 Pharmacist Administered Vaccines Types of Vaccines Authorized to Administer 46 Any vaccine I, P, Z 5 Other combos Number of states / territories Any vaccine Influenza, Pneumo and Zoster (I, P, Z) Other
More informationFIELD SERVICE BULLETIN
FSB_971_1A HUGHES NETWORK SYSTEMS FIELD SERVICE BULLETIN SUBJECT: Updated Commissioning Rules FSB NUMBER: FSB_971_1A FSB ISSUE DATE: 7/1/9 SUBMITTED BY: J. Callow APPROVED BY: D. Dostalik CHANGE TO BE
More informationAthene 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 informationTrends 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 informationAAIS Personal and Premises Liability Program
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 informationState Small Business Credit Initiative. SSBCI Overview
6/11/2014 State Small Business Credit Initiative Opportunity Finance Network June 10, 2014 SSBCI Overview Created in Small Business Jobs Act of 2010 to spur up to $15 billion in lending and investing to
More informationForethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1
Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS 1 Company History Forethought Financial Group, Inc., through its subsidiaries,
More informationCDFI FUND NEW MARKETS TAX CREDIT PROGRAM:
CDFI FUND US Department of the Treasury NEW MARKETS TAX CREDIT PROGRAM: SECOND ROUND (2003-2004) Allocatees Serving Allocatee Name (Award Amount) AK 1 Alaska Growth Capital BIDCO, Inc. ($35 million) Total:
More informationNational Student Clearinghouse. CACG Meeting
National Student Clearinghouse Presentation for CACG Meeting February 2010 Dr. Jeff Tanner, Vice President The Clearinghouse A non-profit organization founded in 1993 in affiliation with several educational
More informationThe Vermont Legislative Research Shop
The Vermont Legislative Research Shop State Responses to Terrorism Every state has responded in some way to the events of September 11 th. Most states have named a Director of Homeland or a liaison to
More information