Court Reporters Make Special Deals With Insurers

Size: px
Start display at page:

Download "Court Reporters Make Special Deals With Insurers"

Transcription

1 '-----'' Lawyers Weekly USA Oct 18,1999 by Eric Berkman Court Reporters Make Special Deals With Insurers Do Exclusive Colntracts Give the Defense an Unfair Advantage Most lawyers walt into a deposition assuming that the court reporter will be an impartial keeper of the record, But thanks to "exdlusive contracts" between court-reporting companies, this may no longer be the case. agencies and insurance Over the last decal, an increasing number of insurance companies have entered into long-term agreements with court-reporting agencies which require their counsel to use a particular agency for any deposition they call. In return, the insurance company gets reduced fees. Under some contracts, the court-reporting agency will also provide the insurance company with ex~edited transcript delivery, "deposition databases" to use in future cases and free deposition summaries..'-...,.-- But these contracts have encountered stiff opposition from plaintiffs' lawyers, smaller reporting agencies and even some members of the defense bar. Plaintiffs' lawyers Isay that these arrangements put them at an unfair disadvantage by giving defendants what amounts to free litigation support services. "I suspect [insurance companies] are getting their original transcript faster than I'm getting my copy," says Fred Halstrom, a personal-injury lawyer who practices in Boston. As Halstrom explains, having an extra couple of days to look over a deposition transcript before a hearing or to incorporate it into a legal brief can make all the difference in the world. I Ross Gallen, a plaintiffs' lawyer in San Antonio adds that these contracts compromise the court reporter's appearance of impartiality. Doubts about a reporter's impartiality can often be as harmful as actual bias, he says. "When a client learns that the court-reporting firm is financially tethered to the insurance company, he feelslthat maybe he's not getting the transcript he deserves," says Gallen. "One thing we could always count on in the past was the integrity of the court reporter. I could always make that assurance to my client. But now I can't vouch for something I don't know. " '~~' Similarly, many defense lawyers hate being told which court reporter they can use for a particular case. They'd rather pick the best one for the job instead of risking the shoddy,

2 unreliable service they say accompanies the discounted rates. ~~~- "It's a real reliability problem, especially when [the agency] sends a reporter who's not local," says a Penrlsylvania insurance-defense lawyer who asked not to be identified in this article. "They get lost on the way, they don't set things up in the right form and they don't know the local litigation culture, which is very important. If a judge sees a transcript in an unfamiliar ftat, it really hurts the litigant." Meanwhile, smaller court-reporting agencies fear that these exclusive contracts threaten their existence ani the affordable services they offer to small-scale litigants. "A lot of small ag9ncies have gone out of business," says Stephanie Grossman, who runs a small agency in Palo Alto, Calif. "And if this keeps going forward as it's happening, you'll see only big/agencies out there and the prices will go through the roof." Grossman adds that many plaintiffs' lawyers aren't aware that contracting agencies may?e gouging them 9n transcript copy rates to make up for the discount they've given the Insurance company. "So the plaintiff is!essentially subsidizing the other side's litigation," she says. "They're cost-shifting. " The larger agencies, however, insist that there's nothing improper about these contracts. ' "We're merely pro~iding a client what good court-reporting firms have done at the local level for years - quality service at a competitive price," says Carol Hughes, a senior vice president with kyork-based Esquire Communications Ltd., the nation's largest courtreporting agency. 'Large corporations and insurance companies are looking for valueadded services Ne1 an I that's what we're giving them.. And whatever's offered to one side is always offered to the other side at the same price." Hughes conceded] however, that the company does not provide the deposition databases to plaintiffs, but i~sists this is a minor point since the depositions are a matter of public record. Woody Waga, vige-president of Veri text, a large agency in Basking Ridge, N.J., adds that these contracts hle absolutely no bearing on a court reporter's impartiality. "Veritext agrees that the court reporter should be impartial," says Waga, a past-president of the National C~urt Reporters Association. "But it also agrees that a client - whether a I corporation, law firm or insurance company - should be entitled to a discount for largevolume discovel This is all about business and we see nothing wrong with that. " -- Nonetheless, concerns about these contracts have found a foothold among state legislators and court administrators across the country. Sixteen states have already passed legislation or cot rules either banning these arrangements or requiring disclosure to the

3 -'----- other side - and 10 more states are considering similar measures (see accompanying chart). Additionally, the National Court Reporters Association, the Association of Trial Lawyers of America and the American Judges Association have all passed resolutions advocating that these agreements be banned. Cost Shifting One of the more serious accusations against contracting agencies is that they're inflating plaintiffs' copying fees to make up for the discounts given to defendants. Grossman tells of a Louisiana-based court-reporting network that wanted her firm to cover some of its depositions in northern California for a company it had a contract with. "They were to be paid very little on the copy rate," says Grossman. "When I told her we don't work for that little, she said, 'Well then, we'll have to make it up somewhere,' because she'd given her client, who was calling the deposition, a very low rate. So they ended up charging the other side an outrageous amount." Grossman says the agency charged the other side $2.50 a page when the area going rate was between $1.75 and $2.00. She points out that this can really add up. '~~- "If it's a slip-and- fall, a deposition will go on for a few hours," she says. "But I've done as much as 18 volumes for one witness. And some depositions go on for days and days. So you're talking about a lot of money." Similar complaints have been fielded by the Court Reporters Board of California, a state consumer-protection agency, according to Rick Black, the agency's executive officer. He notes that the board does not oppose quantity discounts for court-reporting services. But a problem arises when the opposing side is charged more than market value to make up for it, he says. "It can really affect litigation," he says. "The reporter is helping to support one side's litigation at the expense of the other. It's not fair to consumers because they have to pay to offset the discounts the other side is getting." Wag a, the Veritext executive, says he's unaware of this practice. "We certainly do not shift costs to the other side," he says. "If the other side purchases a copy, we charge a copy rate. And if the other side takes a deposition in a cross-deposition setting - meaning they wish to depose when the other side is finished - they'll be charged the same amount of money. Or they can use their own court reporter and pay more." Hughes adds that "this may be happening in small, isolated cases, but it's certainly not something Esquire does." ~--

4 Databanking '----- Another accusation is that insurance companies gain an advantage by having access to the deposition databases created by these large court reporting agencies. In a September 1998 letter to the USAA insurance company, Esquire promises to develop and maintain a witness database which "will be extremely beneficial in analyzing and identifying witnesses that appear repeatedly on various cases." David Adkisson, a San Antonio plaintiffs' lawyer, says this puts plaintiffs' counsel at an extreme disadvantage. "If they have a database of prior testimony of witnesses, primarily expert witnesses, and they're providing that service to the defense, that's an enormous informational advantage," says Adkisson, who tried to have Esquire disqualified in one of his cases. "If we're presenting an expert and they blindside him with prior testimony, how can we be ready for that? You can take all kinds of testimony out of context and use it against someone when, in context, it's irrelevant." Hughes, however, says there's nothing unfair about this because deposition transcripts are public record in many states. But Adkisson counters that they're not public record in Texas. In Texas, he says, they can be released only upon the consent of the parties involved in the underlying litigation. ''--'/ And even in states where depositions are public record, he says the ease of access creates an advantage. "Let's put Mr. Defense Lawyer in the position of just being able to call up Esquire and get all the depositions on Dr. Smith in every case," he says. "What would we have to do? We'd have to track down every transcript in every courthouse in every state and check every case. That's really an onerous task." Although insurance companies are perfectly capable of creating deposition databases on their own, the idea of a neutral court officer performing litigation support for one side is troubling, according to Pam Pressley, a staff attorney for the Foundation for Taxpayer and Consumer Rights in Santa Monica, Calif. "The court reporter is the person who's supposed to be neutral and impartial," says Pressley, who monitors the court-reporting industry for her organization. "The court reporter has traditionally never helped one side in its litigation." '~..~

5 Speedy Delivery ',,---, Opponents also assert that agencies are delivering transcripts to parties with contracts long before the other side receives them. "You have situations where the contracting attorney will ask the reporter to produce the transcript, give it to him on Wednesday and not give it to opposing counsel until Friday," says veteran court reporter Irving Starkman of Philadelphia. "That's totally against our code. All parties to litigation should receive their transcript at the same time." Some contracts call for the court reporting firm to provide the contracting party with an ASCII disk of the testimony, according to John Prout of Basking Ridge, N.J., a past president of the court reporters' association. An ASCII disk is a digitized version of the deposition transcript which a party can download into their own computer and perform tasks like word-searches and incorporation into briefs that they couldn't do from hard copies, "That ASCII disk is made available [to the defendant] when the original is delivered or even before, but isn't always made available to the other side unless there's a specific request," he says. "And we had a recent incident in my area where that request was not honored for a considerable period of time. [Plaintiffs counsel] was preparing for trial and spent months trying to get a copy of the disk to help in his preparation. It really slowed him down." '''~-' Halstrom, the Boston personal injury lawyer, agrees that this can be a big problem for plaintiffs' lawyers. "If you're taking a lot of depositions in a case, you want the transcripts to be fast," he says. "They're getting an expedited copy free of charge whereas if we order it, we have to pay double per page. And no plaintiffs' lawyer has more money than an insurance company to finance a lawsuit so, to a degree, they can price us out of a case." Quality Issues Nor are exclusive court-reporting contracts a problem only for plaintiffs. Defense lawyers grumble that the contracts force them to bring in highly discounted but barely competent reporters to handle their depositions. For example, the Pennsylvania insurance-defense lawyer recalls an agency that sent a stringer who lived 100 miles from the litigation site. "This person had a five-hour commute every day and made all sorts of spelling errors and errors with names and places," he says. "When we complained, a substitute was sent who also lived a long distance away. "Ultimately during this seven-week deposition, the agency sent three different reporters. ~

6 '~ ; ''-..--, "So there was no continuity in terms of identifying names, locations and technical terms," he says. "In addition, [transcripts] from each day's deposition had to come from the outof-state headquarters for the reporting agency. And they would never send them on a regular basis or in sequence. This service was charging the insurance carrier a per-page rate so low that you wonder whether any competent reporter could afford it, even on a volume basis. It was awful." Gallen, who spent 20 years as an insurance-defense lawyer before opening his plaintiffs' practice, says he was "never satisfied" with the service he received when using contracting agencies. "We'd have to use these megafirms with hundreds of reporters," he says. "And what I've seen with some large contracting firms is that not all firms are equal. You'll say, 'Just a minute, I want the testimony read back,' and what's read back is not what you heard. It's a version of what was said. Whether or not that's enough to dirty up a record, I don't know. But I can tell you there were some records where I was very uncomfortable." The Pennsylvania lawyer adds that insurance companies suffer from tunnel vision with respect to reporting contracts. "They're fixated on the bottom line," he says. "It's all cost, not quality. It's very hard to explain to carriers who are very cost-conscious in terms of rates and expenses why this is so inefficient." ' For Appearance's Sake Although no one interviewed by Lawyers Weekly USA contended that a court reporter would fudge the record in favor of the insurance company, many said that the mere appearance of partiality is enough to cause discomfort. "It's no different from lawyers in terms of conflicts of interest," says Adkisson. "Ifthere's anything to create an appearance of impropriety, that lawyer can't be involved in the case. This also applies to judges and any officer of the court. And court reporters are officers of the court." Prout adds that there is no judge present during depositions. "The only impartial person in that room is a court reporter," he says. "So even if in fact the contract does not compromise the impartiality of a reporter, it certainly creates an appearance of partiality." Judge Ira J. Raab of the Nassau County District Court in New York agrees. "Whenever you have someone paying for a special service the opponent does not or cannot have, it's an impropriety as far as I'm concerned, not just an appearance," says Raab, who prepared the American Judges Association's resolution opposing exclusive contracts.

7 -''-...,.-,- Hughes, the Esquire executive, contends that there is no appearance of impropriety, "Is a court reporter really going to risk losing their license to be partial? Are they really going to do something special for one side's attorney? They don't know him from Adam," she says. "If you have [an independent] court reporter who's worked with one attorney for 20 years and they're personal friends, it seems like that's much more of a bonded relationship than a reporter who walks in and sees an attorney who happens to be there for an insurance company." Wag a adds that his company has no objection to rules requiring disclosure of long-term contracts between reporting agencies and insurance companies. "A more critical area is prohibition," he says. "We won't work in states where [these contracts] are prohibited." But prohibition is exactly what judges, trial lawyers and the court reporters' association are pushing for. "Disclosure is certainly better than nothing," says Mark Golden, executive director of the court reporters' association. "But it's really not adequate to protect impartiality and the fairness of the system." ~.,.-_/ The following is a list of states that have banned or otherwise restricted depositions taken by court reporters that have a long-term contractual relationship with one of the parties: COMPLETE BAN: Georgia, Hawaii, Indiana, Kentucky, Louisiana, North Carolina (allows parties to stipulate away the disqualification), Utah, West Virginia: Banned by state legislation. New Mexico: Banned by state supreme court rule change. Nevada: Banned by state administrative rule. PARTIAL BAN, which applies whenever any service is not offered to both parties: Arkansas: Banned by state supreme court ruling. Texas: Banned by state legislation. Illinois: Banned by state administrative rule. Minnesota: Banned by state legislation. Also requires disclosure of any contractual relationship with one of the parties. DISCLOSURE REQUIRED of any contractual relationship: Michigan, Oregon ST ATES THAT ARE CONSIDERING SIMILAR REGULATIONS:

8 ' California, Delaware, Massachusetts, Montana, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee Lawyers Weekly Inc., All Rights Reserved. ~"""--""~- "

Impacts of Sequestration on the States

Impacts of Sequestration on the States Impacts of Sequestration on the States Alabama Alabama will lose about $230,000 in Justice Assistance Grants that support law STOP Violence Against Women Program: Alabama could lose up to $102,000 in funds

More information

Three-Year Moving Averages by States % Home Internet Access

Three-Year Moving Averages by States % Home Internet Access Three-Year Moving Averages by States % Home Internet Access Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana

More information

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution

Public School Teacher Experience Distribution. Public School Teacher Experience Distribution Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile Mode Alabama Percent of Teachers FY Public School Teacher Experience Distribution Lower Quartile Median Upper Quartile

More information

Supreme Court Strikes Down DOMA, Clears Way for Same-Sex Marriage in California

Supreme Court Strikes Down DOMA, Clears Way for Same-Sex Marriage in California Brought to you by Alamo Insurance Group Supreme Court Strikes Down DOMA, Clears Way for Same-Sex On June 26, 2013, the U.S. Supreme Court announced decisions in two significant cases regarding laws affecting

More information

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST

NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST NON-RESIDENT INDEPENDENT, PUBLIC, AND COMPANY ADJUSTER LICENSING CHECKLIST ** Utilize this list to determine whether or not a non-resident applicant may waive the Oklahoma examination or become licensed

More information

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA ) ) ) ) ) ) ) ) ) ) ) ) ) ) CONSENT JUDGMENT

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA ) ) ) ) ) ) ) ) ) ) ) ) ) ) CONSENT JUDGMENT IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF COLUMBIA UNITED STATES OF AMERICA, et al., v. Plaintiffs, HSBC NORTH AMERICA HOLDINGS INC., et al., Defendants. ) ) ) ) ) ) ) ) ) ) ) ) ) ) Civil

More information

MAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena)

MAINE (Augusta) Maryland (Annapolis) MICHIGAN (Lansing) MINNESOTA (St. Paul) MISSISSIPPI (Jackson) MISSOURI (Jefferson City) MONTANA (Helena) HAWAII () IDAHO () Illinois () MAINE () Maryland () MASSACHUSETTS () NEBRASKA () NEVADA (Carson ) NEW HAMPSHIRE () OHIO () OKLAHOMA ( ) OREGON () TEXAS () UTAH ( ) VERMONT () ALABAMA () COLORADO () INDIANA

More information

An Ohio court authorized this notice. This is not a solicitation from a lawyer. You are not being sued.

An Ohio court authorized this notice. This is not a solicitation from a lawyer. You are not being sued. NOTICE OF CLASS ACTION, PROPOSED SETTLEMENT, FAIRNESS HEARING AND RIGHT TO APPEAR To all persons who purchased a single premium credit life and/or credit disability insurance policy from Protective Life

More information

Marriage Equality Relationships in the States

Marriage Equality Relationships in the States Marriage Equality Relationships in the States January 7, 2015 The legal recognition of same-sex relationships has been a divisive issue across the United States, particularly during the past two decades.

More information

Workers Compensation State Guidelines & Availability

Workers Compensation State Guidelines & Availability ALABAMA Alabama State Specific Release Form Control\Release Forms_pdf\Alabama 1-2 Weeks ALASKA ARIZONA Arizona State Specific Release Form Control\Release Forms_pdf\Arizona 7-8 Weeks by mail By Mail ARKANSAS

More information

Englishinusa.com Positions in MSN under different search terms.

Englishinusa.com Positions in MSN under different search terms. Englishinusa.com Positions in MSN under different search terms. Search Term Position 1 Accent Reduction Programs in USA 1 2 American English for Business Students 1 3 American English for Graduate Students

More information

List of State DMV Websites

List of State DMV Websites List of State DMV Websites Alabama Alabama Department of Revenue Motor Vehicle Division http://www.ador.state.al.us/motorvehicle/index.html Alaska Alaska Department of Administration Division of Motor

More information

Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees:

Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Chex Systems, Inc. does not currently charge a fee to place, lift or remove a freeze; however, we reserve the right to apply the following fees: Security Freeze Table AA, AP and AE Military addresses*

More information

Medical Malpractice VOIR DIRE QUESTIONS

Medical Malpractice VOIR DIRE QUESTIONS Medical Malpractice VOIR DIRE QUESTIONS INTRODUCTION: Tell the jurors that this is a very big and a very important case. Do a SHORT summary of the case and the damages we are seeking. This summary should

More information

Schedule B DS1 & DS3 Service

Schedule B DS1 & DS3 Service Schedule B DS1 & DS3 Service SCHEDULE B Private Line Data Services DS1 & DS3 Service... 2 DS-1 Local Access Channel... 2 DS-1 Local Access Channel, New Jersey... 2 DS-1 Local Access Channel, Out-of-State...

More information

Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value

Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value w Reports: Health Insurance Marketplace Exchange Enrollment Satisfaction Improves Significantly in Second Year Facing Cost-Sensitive Shoppers, Health Plan Providers Must Demonstrate Value WESTLAKE VILLAGE,

More information

Licensure Resources by State

Licensure Resources by State Licensure Resources by State Alabama Alabama State Board of Social Work Examiners http://socialwork.alabama.gov/ Alaska Alaska Board of Social Work Examiners http://commerce.state.ak.us/dnn/cbpl/professionallicensing/socialworkexaminers.as

More information

Consent to Appointment as Registered Agent

Consent to Appointment as Registered Agent Consent to Appointment as Registered Agent This form is used by the person or business entity that agrees to act as the registered agent for a limited liability company. Every person or business entity

More information

Non-Profit Entity Conversion. Question by: Julia Dale. Date: February 6, 2012. [Non-Profit Entity Conversion] [2012 February 07]

Non-Profit Entity Conversion. Question by: Julia Dale. Date: February 6, 2012. [Non-Profit Entity Conversion] [2012 February 07] Topic: n-profit Entity Conversion Question by: Julia Dale : Michigan Date: February 6, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California See below under additional comments Colorado

More information

Workers Compensation Small Medical-Only Claims: Should an employer pay them or turn them in to the insurance company?

Workers Compensation Small Medical-Only Claims: Should an employer pay them or turn them in to the insurance company? Workers Compensation Small Medical-Only Claims: Should an employer pay them or turn them in to the insurance company? by Maureen Gallagher The most common question an insurance agent gets from employers

More information

Verizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region

Verizon Wireless Ranks Highest in Wireless Network Quality Performance in Five Regions; AT&T Ranks Highest in One Region Reports: Tablet and Mobile Broadband Devices Generate Increased Data Quality Issues as Usage Patterns and Customer Expectations Impact Problem Incidence Ranks Highest in Wireless Network Quality Performance

More information

Tax Research: Understanding Sources of Tax Law (Why my IRC beats your Rev Proc!)

Tax Research: Understanding Sources of Tax Law (Why my IRC beats your Rev Proc!) Tax Research: Understanding Sources of Tax Law (Why my IRC beats your Rev Proc!) Understanding the Federal Courts There are three levels of Federal courts that hear tax cases. At the bottom of the hierarchy,

More information

BUSINESS DEVELOPMENT OUTCOMES

BUSINESS DEVELOPMENT OUTCOMES BUSINESS DEVELOPMENT OUTCOMES Small Business Ownership Description Total number of employer firms and self-employment in the state per 100 people in the labor force, 2003. Explanation Business ownership

More information

Data show key role for community colleges in 4-year

Data show key role for community colleges in 4-year Page 1 of 7 (https://www.insidehighered.com) Data show key role for community colleges in 4-year degree production Submitted by Doug Lederman on September 10, 2012-3:00am The notion that community colleges

More information

State Government Indigent Defense Expenditures, FY 2008 2012 Updated

State Government Indigent Defense Expenditures, FY 2008 2012 Updated U.S. Department of Justice Office of Justice Programs Bureau of Justice Statistics Revised April 21, 2015 Special Report JULY 2014 NCJ 246684 State Government Indigent Defense, FY 2008 2012 Updated Erinn

More information

Guide to On-the-Job Injuries

Guide to On-the-Job Injuries Guide to On-the-Job Injuries in the United States I got hurt on the job. What can I do? If you are hurt on the job you have a right to workers compensation benefits. You have a right to workers compensation

More information

Workers Compensation Cost Data

Workers Compensation Cost Data Workers Compensation Cost Data Edward M. Welch Workers Compensation Center School of Labor and Industrial Relations Michigan State University E-mail: welche@msu.edu Web Page: http://www.lir.msu.edu/wcc/

More information

Commission Membership

Commission Membership Multistate Tax Commission Update Joe Huddleston Executive Director 2008 Federation of Tax Administrators Annual Meeting Philadelphia, Pennsylvania Commission hip As of July 1, 2007 Compact Sovereignty

More information

Acceptable Certificates from States other than New York

Acceptable Certificates from States other than New York Alabama 2 2 Professional Educator Certificate 5 Years Teacher Yes Professional Educator Certificate 5 Years Support Services Yes Alaska 2 Regular Certificate, Type A 5 Years, renewable Teacher Yes At least

More information

High Risk Health Pools and Plans by State

High Risk Health Pools and Plans by State High Risk Health Pools and Plans by State State Program Contact Alabama Alabama Health 1-866-833-3375 Insurance Plan 1-334-263-8311 http://www.alseib.org/healthinsurance/ahip/ Alaska Alaska Comprehensive

More information

State Tax Information

State Tax Information State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither

More information

Impact of the House Full-Year Continuing Resolution for FY 2011 (H.R. 1)

Impact of the House Full-Year Continuing Resolution for FY 2011 (H.R. 1) U.S. DEPARTMENT OF EDUCATION DISCRETIONARY PROGRAMS Impact of the House Full-Year Continuing Resolution for (H.R. 1) Students Impacted* Job Losses Elementary & Secondary Education Programs Grants to Local

More information

2014 INCOME EARNED BY STATE INFORMATION

2014 INCOME EARNED BY STATE INFORMATION BY STATE INFORMATION This information is being provided to assist in your 2014 tax preparations. The information is also mailed to applicable Columbia fund non-corporate shareholders with their year-end

More information

Legal notice about a class action settlement involving payment of medical expenses under Liberty auto policies.

Legal notice about a class action settlement involving payment of medical expenses under Liberty auto policies. CIRCUIT COURT OF THE STATE OF ILLINOIS IN THE COUNTY OF ST. CLAIR Legal notice about a class action settlement involving payment of medical expenses under Liberty auto policies. A court authorized this

More information

American C.E. Requirements

American C.E. Requirements American C.E. Requirements Alaska Board of Nursing Two of the following: 30 contact hours 30 hours of professional nursing activities 320 hours of nursing employment Arizona State Board of Nursing Arkansas

More information

Problem Issues in Commercial General Liability, 2nd Edition

Problem Issues in Commercial General Liability, 2nd Edition Brochure More information from http://www.researchandmarkets.com/reports/1413760/ Problem Issues in Commercial General Liability, 2nd Edition Description: The commercial general liability policy is the

More information

SAME-SEX ADOPTION LAWS BY STATE

SAME-SEX ADOPTION LAWS BY STATE SAME-SEX ADOPTION LAWS BY STATE The issue of adoption by same-sex couples has moved to the forefront in recent years. Liberty Counsel was instrumental in upholding the constitutionality of Florida s ban

More information

Current State Regulations

Current State Regulations Current State Regulations Alabama: Enacted in 1996, the state of Alabama requires all licensed massage therapists to * A minimum of 650 classroom hours at an accredited school approved by the state of

More information

State Tax Information

State Tax Information State Tax Information The information contained in this document is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any state tax penalties. Neither

More information

Net-Temps Job Distribution Network

Net-Temps Job Distribution Network Net-Temps Job Distribution Network The Net-Temps Job Distribution Network is a group of 25,000 employment-related websites with a local, regional, national, industry and niche focus. Net-Temps customers'

More information

Does your agency have authority to prevent governing people from opening another business when significant tax debts are owed?

Does your agency have authority to prevent governing people from opening another business when significant tax debts are owed? Topic: Question by: : Turn and Burn Entities? Patrick Reed Washington Date: November 1, 2013 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Page 1

More information

22 States do not provide access to Chapter 9 Bankruptcy

22 States do not provide access to Chapter 9 Bankruptcy 22 States do not provide access to Chapter 9 Bankruptcy -Georgia explicitly denies access to municipal bankruptcy. (GA Code 36 80-5) States with No Statutes: Alaska Delaware Hawaii Indiana Kansas Maine

More information

STATE-SPECIFIC ANNUITY SUITABILITY REQUIREMENTS

STATE-SPECIFIC ANNUITY SUITABILITY REQUIREMENTS Alabama Alaska Arizona Arkansas California This jurisdiction has pending annuity training legislation/regulation Annuity Training Requirement Currently Effective Initial 8-Hour Annuity Training Requirement:

More information

Overview of School Choice Policies

Overview of School Choice Policies Overview of School Choice Policies Tonette Salazar, Director of State Relations Micah Wixom, Policy Analyst CSG West Education Committee July 29, 2015 Who we are The essential, indispensable member of

More information

State Tax of Social Security Income. State Tax of Pension Income. State

State Tax of Social Security Income. State Tax of Pension Income. State State Taxation of Retirement Income The following chart shows generally which states tax retirement income, including and pension States shaded indicate they do not tax these forms of retirement State

More information

STATE MOTORCYCLE LEMON LAW SUMMARIES

STATE MOTORCYCLE LEMON LAW SUMMARIES STATE MOTORCYCLE LEMON LAW SUMMARIES The Federal Lemon Law covers motorcycles and each state also has its own unique Lemon Law. In the chart below, Covered means whether or not a motorcycle is normally

More information

THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT

THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT THE BURDEN OF HEALTH INSURANCE PREMIUM INCREASES ON AMERICAN FAMILIES AN UPDATE ON THE REPORT BY THE EXECUTIVE OFFICE OF THE PRESIDENT INTRODUCTION In September 2009, the Executive Office of the President

More information

Use of "Mail Box" service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015]

Use of Mail Box service. Date: April 6, 2015. [Use of Mail Box Service] [April 6, 2015] Topic: Question by: : Use of "Mail Box" service Kathy M. Sachs Kansas Date: April 6, 2015 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District

More information

State-Specific Annuity Suitability Requirements

State-Specific Annuity Suitability Requirements Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Effective 10/16/11: Producers holding a life line of authority on or before 10/16/11 who sell or wish to sell

More information

State Specific Annuity Suitability Requirements updated 10/10/11

State Specific Annuity Suitability Requirements updated 10/10/11 Alabama Alaska Ai Arizona Arkansas California This jurisdiction has pending annuity training legislation/regulation Initial 8 Hour Annuity Training Requirement: Prior to selling annuities in California,

More information

Multijurisdictional Practice of Law for In-House Counsel

Multijurisdictional Practice of Law for In-House Counsel Multijurisdictional Practice of Law for In-House Counsel Presentation for Association of Corporate Counsel - Charlotte March 2010 Robinson, Bradshaw & Hinson, P.A. Robert E. Harrington and Peter C. Buck

More information

Preparing a Federal Case

Preparing a Federal Case Last Updated: October 2010 Federal Pro Se Clinic CENTRAL DISTRICT OF CALIFORNIA Preparing a Federal Case If you are reading this, you are probably proceeding on your own in court without the help of an

More information

FELONY DUI SYNOPSIS. 46 states have felony DUI. Charts 1 and 2 detail the felony threshold for each of the 46 states analyzed.

FELONY DUI SYNOPSIS. 46 states have felony DUI. Charts 1 and 2 detail the felony threshold for each of the 46 states analyzed. FELONY DUI SYNOPSIS The information in the following charts was compiled by examining the felony DUI laws in all 50 sates and the District of Columbia. The analysis focuses on the felony DUI threshold,

More information

We do require the name and mailing address of each person forming the LLC.

We do require the name and mailing address of each person forming the LLC. Topic: LLC Managers/Members Question by: Jeff Harvey : Idaho Date: March 7, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Arizona requires that member-managed LLCs

More information

Real Progress in Food Code Adoption

Real Progress in Food Code Adoption Real Progress in Food Code Adoption August 27, 2013 The Association of Food and Drug Officials (AFDO), under contract to the Food and Drug Administration, is gathering data on the progress of FDA Food

More information

1 copyright 2012 workers compensation research institute

1 copyright 2012 workers compensation research institute Fees For Worker's Source Of Payments To Worker's Worker's Fee Worker's Fee Formula Alabama Statutory formula: 15% N/A Alaska As stated, 25% of first $1,000 and 10% of 10% of recovery or actual fees, Paid

More information

Exhibit 57A. Approved Attorney Fees and Title Expenses

Exhibit 57A. Approved Attorney Fees and Title Expenses Exhibit 57A Approved Attorney Fees and Title Expenses Written pre-approval from Freddie Mac is required before incurring any expense in excess of any of the below amounts. See Sections 71.19 and 71.24

More information

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System (Board), the Federal Deposit

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System (Board), the Federal Deposit SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency

More information

14-Sep-15 State and Local Tax Deduction by State, Tax Year 2013

14-Sep-15 State and Local Tax Deduction by State, Tax Year 2013 14-Sep-15 State and Local Tax Deduction by State, Tax Year 2013 (millions) deduction in state dollars) claimed (dollars) taxes paid [1] state AGI United States 44.2 100.0 30.2 507.7 100.0 11,483 100.0

More information

Real Progress in Food Code Adoption

Real Progress in Food Code Adoption Real Progress in Food Code Adoption The Association of Food and Drug Officials (AFDO), under contract to the Food and Drug Administration, is gathering data on the progress of FDA Food Code adoptions by

More information

NAIC ANNUITY TRAINING Regulations By State

NAIC ANNUITY TRAINING Regulations By State Select a state below to display the current regulation and requirements, or continue to scroll down. Light grey text signifies states that have not adopted an annuity training program. Alabama Illinois

More information

Attachment A. Program approval is aligned to NCATE and is outcomes/performance based

Attachment A. Program approval is aligned to NCATE and is outcomes/performance based Attachment A The following table provides information on student teaching requirements across several states. There are several models for these requirements; minimum number of weeks, number of required

More information

Low-Profit Limited Liability Company (L3C) Date: July 29, 2013. [Low-Profit Limited Liability Company (L3C)] [July 29, 2013]

Low-Profit Limited Liability Company (L3C) Date: July 29, 2013. [Low-Profit Limited Liability Company (L3C)] [July 29, 2013] Topic: Question by: : Low-Profit Limited Liability Company (L3C) Kevin Rayburn, Esq., MBA Tennessee Date: July 29, 2013 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado

More information

University of Massachusetts School of Law: Career Services Office State-By-State Online Job Search Resources

University of Massachusetts School of Law: Career Services Office State-By-State Online Job Search Resources University of Massachusetts School of Law: Career Services Office State-By-State Online Job Search Resources Alabama http://www.alabar.org - Alabama Bar Association http://www.judicial.state.al.us - Alabama

More information

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. or branches outside of its home state primarily for the purpose of deposit production.

SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. or branches outside of its home state primarily for the purpose of deposit production. SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (the agencies)

More information

Medicaid Topics Impact of Medicare Dual Eligibles Stephen Wilhide, Consultant

Medicaid Topics Impact of Medicare Dual Eligibles Stephen Wilhide, Consultant Medicaid Topics Impact of Medicare Dual Eligibles Stephen Wilhide, Consultant Issue Summary The term dual eligible refers to the almost 7.5 milion low-income older individuals or younger persons with disabilities

More information

State Estate Taxes BECAUSE YOU ASKED ADVANCED MARKETS

State Estate Taxes BECAUSE YOU ASKED ADVANCED MARKETS ADVANCED MARKETS State Estate Taxes In 2001, President George W. Bush signed the Economic Growth and Tax Reconciliation Act (EGTRRA) into law. This legislation began a phaseout of the federal estate tax,

More information

State Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011

State Pest Control/Pesticide Application Laws & Regulations. As Compiled by NPMA, as of December 2011 State Pest Control/Pesticide Application Laws & As Compiled by NPMA, as of December 2011 Alabama http://alabamaadministrativecode.state.al.us/docs/agr/mcword10agr9.pdf Alabama Pest Control Alaska http://dec.alaska.gov/commish/regulations/pdfs/18%20aac%2090.pdf

More information

J.D. Power Reports: Strong Network Quality Performance Is Key to Higher Customer Retention for Wireless Carriers

J.D. Power Reports: Strong Network Quality Performance Is Key to Higher Customer Retention for Wireless Carriers Kw J.D. Power Reports: Strong Network Quality Performance Is Key to Higher Customer Retention for Wireless Carriers Ranks Highest in Wireless Network Quality Performance in All Six Regions WESTLAKE VILLAGE,

More information

Nurse Aide Training Requirements, 2011

Nurse Aide Training Requirements, 2011 Nurse Aide Training Requirements, 2011 Background Federal legislation (Omnibus Budget Reconciliation Act of 1987) and associated regulations (42 CFR 483.152) require that Medicare- and Medicaid-certified

More information

State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement

State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement State by State Summary of Nurses Allowed to Perform Conservative Sharp Debridement THE FOLLOWING ARE ONLY GENERAL SUMMARIES OF THE PRACTICE ACTS EACH STATE HAS REGARDING CONSERVATIVE SHARP DEBRIDEMENT

More information

State Insurance Department Websites: A Consumer Assessment

State Insurance Department Websites: A Consumer Assessment State Insurance Department Websites: A Consumer Assessment By J. Robert Hunter Director of Insurance November 2008 1 of 10 EXECUTIVE SUMMARY This report analyzes Internet websites for the nation s 51 major

More information

A GUIDE TO VOTING LEAVE LAWS BY STATE

A GUIDE TO VOTING LEAVE LAWS BY STATE State Alabama Public and private s Time necessary to vote, not exceeding one hour, unless employee has two hours before work or after work available to vote. Alaska All s Not specified, but must allow

More information

Preparing a Federal Case

Preparing a Federal Case Federal Pro Se Clinic CENTRAL DISTRICT OF CALIFORNIA Preparing a Federal Case If you are reading this, you are probably proceeding on your own in court without the help of an attorney. This is often called

More information

NEBRASKA ETHICS ADVISORY OPINION FOR LAWYERS NO 12-09. Upon termination of representation, a lawyer shall take steps to the

NEBRASKA ETHICS ADVISORY OPINION FOR LAWYERS NO 12-09. Upon termination of representation, a lawyer shall take steps to the NEBRASKA ETHICS ADVISORY OPINION FOR LAWYERS NO 12-09 Upon termination of representation, a lawyer shall take steps to the extent reasonably practicable to protect a client s interests, including surrendering

More information

A Mediation Primer for the Plaintiff s Attorney

A Mediation Primer for the Plaintiff s Attorney By: Bruce Brusavich A Mediation Primer for the Plaintiff s Attorney Making your case stand out to the other side, and what to do when they ask you to dance. Make the Defense Ask to Mediate Obtaining a

More information

AICPA State Society Survey State Regulatory and Legislative Issues Summary November 2014

AICPA State Society Survey State Regulatory and Legislative Issues Summary November 2014 Mat Young, Vice President, State Regulatory and Legislative Affairs, myoung@aicpa.org Suzanne Jolicoeur, Senior Manager, State Regulatory Outreach, sjolicoeur@aicpa.org James Cox, Senior Manager, State

More information

The Economic Impact of Physicians

The Economic Impact of Physicians The Economic Impact of Physicians A Fact Sheet Examining the Economic Contribution Physicians Make to Their Communities and to Their Affiliated Hospitals Prepared by: Merritt Hawkins, the nation s leading

More information

Who May Adopt, Be Adopted, or Place a Child for Adoption?

Who May Adopt, Be Adopted, or Place a Child for Adoption? State Statutes Series Current Through February 2006 Who May Adopt, Be Adopted, or Place a Child for Adoption? In order for an adoption to take place, a person available to be adopted must be placed in

More information

MASS MARKETING OF PROPERTY AND LIABILITY INSURANCE MODEL REGULATION

MASS MARKETING OF PROPERTY AND LIABILITY INSURANCE MODEL REGULATION Table of Contents Model Regulation Service January 1996 MASS MARKETING OF PROPERTY AND LIABILITY INSURANCE MODEL REGULATION Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 7.

More information

Why teens shouldn t text while driving! By: Kelsey Ickes

Why teens shouldn t text while driving! By: Kelsey Ickes Why teens shouldn t text while driving! By: Kelsey Ickes What is the push to ban cell phone use and texting while driving? Driving distractions such as calls and texting contributed to nearly 1,000 crashes

More information

Expanding Your Business Through Franchising What Steps You Need to Take to Successfully Franchise Your Business. By Robert J.

Expanding Your Business Through Franchising What Steps You Need to Take to Successfully Franchise Your Business. By Robert J. Expanding Your Business Through Franchising What Steps You Need to Take to Successfully Franchise Your Business By Robert J. Steinberger What is a Franchise? California Corporation Code Section 31005.

More information

********************

******************** THE SURETY & FIDELITY ASSOCIATION OF AMERICA 1101 Connecticut Avenue, N.W., Suite 800 Washington, D. C. 20036 Phone: (202) 463-0600 Fax: (202) 463-0606 Web page: www.surety.org APPLICATION Application

More information

RETAIL INSTALLMENT CREDIT AGREEMENT

RETAIL INSTALLMENT CREDIT AGREEMENT RETAIL INSTALLMENT CREDIT AGREEMENT In this Agreement, the words you and your refer to any person who signs this Agreement, has requested and is issued a Tiffany & Co. credit card, or is authorized to

More information

Alabama Kentucky North Dakota Alaska Kentucky Ohio Arkansas Louisiana Oklahoma

Alabama Kentucky North Dakota Alaska Kentucky Ohio Arkansas Louisiana Oklahoma Alabama Kentucky rth Dakota Alaska Kentucky Ohio Arkansas Louisiana Oklahoma California (Assault) Maine Oregon California (Battery Maryland Pennsylvania Colorado Massachusetts Rhode Island Connecticut

More information

State Tax Deductions for Contributions to 529 Plans Presented by Advisor Name

State Tax Deductions for Contributions to 529 Plans Presented by Advisor Name State Tax Deductions for Contributions to 529 Plans Presented by Advisor Name Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Contributions

More information

Please contact test@test.com if you have any questions regarding this survey.

Please contact test@test.com if you have any questions regarding this survey. 1. Which of the following best describes your position within the company? - CEO/owner - Partner/senior executive - Professional (consultant, legal, medical, architect) - Finance/accounting/purchasing

More information

COURIERS: INDEPENDENT CONTRACTORS OR EMPLOYEES? A STATE-BY-STATE SURVEY OF UNEMPLOYMENT COMPENSATION LAWS

COURIERS: INDEPENDENT CONTRACTORS OR EMPLOYEES? A STATE-BY-STATE SURVEY OF UNEMPLOYMENT COMPENSATION LAWS COURIERS: INDEPENDENT CONTRACTORS OR EMPLOYEES? A STATE-BY-STATE SURVEY OF UNEMPLOYMENT COMPENSATION LAWS Charles M. Watkins Webster, Chamberlain & Bean Washington, D.C. Introduction The purpose of this

More information

Nurse Aide Training Requirements, October 2014

Nurse Aide Training Requirements, October 2014 Nurse Aide Training Requirements, October 2014 Background Federal legislation (Omnibus Budget Reconciliation Act of 1987) and associated regulations (42 CFR 483.152) require that Medicare- and Medicaid-certified

More information

State Attorneys General Investigations Experience

State Attorneys General Investigations Experience State Attorneys General Investigations Experience Individual & Multistate Investigation Experience Multistate Investigation Experience Note: Click state name for experience information troutmansanders.com

More information

New York Law Journal. Wednesday, July 31, 2002

New York Law Journal. Wednesday, July 31, 2002 New York Law Journal Wednesday, July 31, 2002 HEADLINE: BYLINE: Trial Advocacy, Cross-Examination: The Basics Ben B. Rubinowitz and Evan Torgan BODY: Cross-examination involves relatively straightforward

More information

IRS Request for Assistance re New EIN and True Owner. Question by: Sarah Steinbeck on behalf of Leslie Reynolds. Date: 5 August 2010

IRS Request for Assistance re New EIN and True Owner. Question by: Sarah Steinbeck on behalf of Leslie Reynolds. Date: 5 August 2010 Topic: IRS Request for Assistance re New EIN and True Owner Question by: Sarah Steinbeck on behalf of Leslie Reynolds Jurisdiction: Colorado/NASS Date: 5 August 2010 Jurisdiction Question(s) Have you spoken

More information

2015 National Utilization and Compensation Survey Report. Section 3 Billing Rates. Based on Data Collected: 4 th Quarter 2014

2015 National Utilization and Compensation Survey Report. Section 3 Billing Rates. Based on Data Collected: 4 th Quarter 2014 2015 National Utilization and Compensation Survey Report Section 3 Billing s Based on Data Collected: 4 th Quarter Copyright 2015 Reproduction of this report or portions thereof without express written

More information

A-79. Appendix A Overview and Detailed Tables

A-79. Appendix A Overview and Detailed Tables Table A-8a. Overview: Laws Expressly Granting Minors the Right to Consent Disclosure of Related Information to Parents* Sexually Transmitted Disease and HIV/AIDS** Treatment Given or Needed Alabama 14

More information

In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1

In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1 In-state Tuition & Fees at Flagship Universities by State 2014-15 Rank School State In-state Tuition & Fees Penn State University Park Pennsylvania 1 $18,464 New New Hampshire 2 Hampshire $16,552 3 Vermont

More information

Foreign Entity Types with No Domestic Law. Jurisdiction. Date: May 14, 2012. [Foreign Entity Types with No Domestic Law] [2012-05-14]

Foreign Entity Types with No Domestic Law. Jurisdiction. Date: May 14, 2012. [Foreign Entity Types with No Domestic Law] [2012-05-14] Topic: Question by: : Foreign Entity Types with No Domestic Law Jeff Harvey Idaho Date: May 14, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware

More information

Exploring the Impact of the RAC Program on Hospitals Nationwide

Exploring the Impact of the RAC Program on Hospitals Nationwide Exploring the Impact of the RAC Program on Hospitals Nationwide Overview of AHA RACTrac Survey Results, 4 th Quarter 2010 For complete report go to: http://www.aha.org/aha/issues/rac/ractrac.html Agenda

More information

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT

Model Regulation Service January 2006 DISCLOSURE FOR SMALL FACE AMOUNT LIFE INSURANCE POLICIES MODEL ACT Table of Contents Section 1. Section 2. Section 3. Section 4. Section 5. Section 6. Section 1. Model Regulation Service January 2006 Purpose Definition Exemptions Disclosure Requirements Insurer Duties

More information