Expanding Private Disability Insurance Coverage to Help the SSDI Program
|
|
|
- Lambert Rodgers
- 8 years ago
- Views:
Transcription
1 Expanding Private Disability Insurance Coverage to Help the SSDI Program by David F. Babbel and Mark F. Meyer Committee for a Responsible Federal Budget McCrery-Pomeroy SSDI Solutions Initiative Conference August 4, 2015 Presented by: Mark F. Meyer
2 Comparison of SSDI and Private Group Disability Coverage Characteristic SSDI Group Disability Time until benefits start Percent of pre-disability income replaced Work incentives / return to work programs Employees covered Minimum 5 months, with exceptions; but many wait a year or more for benefits. Generally less than 35%, and declines as income increases; averages $13,757 per year. Trial work period, Extended period of eligibility, Ticket to work program. Those with sufficient Social Security work credits; over 110 million. Typically 3 to 6 months, often integrated with short term coverage. Varies, but 60% is typical; e.g., $30k for $50k salary. Comprehensive disability management programs. Around 40 million, approximately 1/3 of private sector work force. Beneficiaries 8.9 million disabled workers. Approximately 870,000. Premiums 1.8% of salary up to limit, $900 for $50k salary, $2,133 maximum in $250 to $400 per year, 0.1% of compensation. 2
3 Effect of Delay on Employment of SSDI Applicants Calculated from regression results presented in Autor, et al. 2011, 30 Table 6. 3
4 Employment by Participation in Ticket to Work Programs Social Security Disability Insurance Recipients Percentage of all SSDI beneficiaries experiencing first STW (suspension or termination of benefits for work) event Ticket-to-Work participants 2.58% 3.76% 4.11% 4.54% 3.84% Milestone-outcome 3.66% 5.73% 5.04% 6.08% 4.71% Outcome-only 4.23% 9.69% 9.43% 8.48% 6.57% Traditional 2.33% 3.22% 3.79% 4.21% 3.64% Nonparticipants 0.87% 0.83% 0.77% 0.77% 0.65% Schimmel & Stapleton 2011, 87. In this study, the Ticket to Work participants were placed into one of three different programs: Milestone-outcome, Outcome-only and Traditional. As reported in the table above, the programs had different rates of beneficiaries experiencing first STW event. 4
5 Estimated Rates of Suspension or Termination for Work Among SVRA Enrollees, Matched and Unmatched Comparison Groups by SVRA Application Time Relative to DI Award 5 O Neill et al., Return to Work Disability Insurance Beneficiaries Who Do and Do Not Access State Vocational Rehabilitation Agency Services, Journal of Disability Policy Studies, 2015, Figure 3.
6 Recovery Rate Experience by Disability Insurance Company Grouping Society of Actuaries 2009, 70-71, Chart 10.1.B and Table 10.1.A. 6
7 Taxonomy of Situations by Recovery and SSDI Status Recovery Status Not Working Working SSDI Status Eligible Receiving SSDI. Exited or reduced time on SSDI status. Not Eligible Avoided SSDI status. Avoided SSDI status. 7
8 Estimating the Number of Individuals Avoiding Federal Programs Due to Private Sector Disability Insurance Programs Recovery Status SSDI Status Not Working Eligible None Not Eligible ~50,000 Working At least 15,000 Bardos, Burak & Ben-Shalom (2015, 2): with just modest assistance, more than 120,000 [SSDI recipients] could have returned to work but did not. 8
9 Costs of Disability to Federal Budget Average SSDI benefit of $13,757 for 8.9 million worker beneficiaries. Private disability coverage currently saves nearly $900 million per year. Average Supplemental Nutrition Assistance Program expenditure of $2,450 for 4.0 million nonelderly individuals with disabilities. Private disability coverage currently saves nearly $160 million per year. Average Medicaid expenditure of $17,255 for 9.7 million individuals with disabilities. Private disability coverage currently saves $1,120 million per year. Using $30,000 annual figure for those avoiding or exiting SSDI results in $1,950 million per year in federal savings. Ten year projection at least $20 billion in savings. Bardos, Burak, & Ben-Shalom (2015, 35) report federal savings of $160,000 to $290,000 for each disabled employee returning to work. 9
10 Growth in 401(k) Plans and Participants Using Opt Out Enrollment Plan Sponsor Council of America 2014, 66; PSCA 2012, 50; PSCA 2010, 56; and PSCA 2008, 40; Vanguard 2013, 19 for plans and 20 for participants; Society for Human Resource Management 2011 for Schwab figures. 10
11 Additional 401(k) Participation from Opt Out Enrollment by Plan Size Plan Sponsor Council of America 2014,
12 Projections of SSDI Savings from Opt Out Current levels of group disability coverage around 1/3 rd of private sector work force yield at least $900 million per year in savings to SSDI approximately $10 billion over next ten years. Each 10 percentage point increase in proportion of workers with group disability coverage means 20,000 to 25,000 additional workers avoid or exit SSDI saving an additional $280 to $350 million per year or an additional $2.8 to $3.5 billion over ten years. If opt out could achieve 50% to 55% participation in group disability coverage, savings could be an additional $500 million to $700 million per year or an additional $5 to $7 billion, or more, over ten years. Group disability coverage also generates savings for other federal programs (TANF, SNAP, SSI, etc.), as well as increased tax revenue. Opt out benefits come with minimal costs to government. Opt out benefits are independent of, and in addition to, other SSDI program-specific proposals. 12
9. Expanding Private Disability Insurance Coverage to Help the SSDI Program
9. Expanding Private Disability Insurance Coverage to Help the SSDI Program David F. Babbel and Mark F. Meyer INTRODUCTION For working Americans facing a disabling illness or injury, private group long-term
Disability Benefits Suspended or Terminated
Disability enefits Suspended or Terminated ecause of Work by ody Schimmel and David C. Stapleton* We use a new variable in the Social Security Administration s Ticket Research File to produce statistics
Private Disability Insurance and Return-to-Work: Cost Savings to SSDI and Other Federal Programs
Prepared For: America s Health Insurance Plans 601 Pennsylvania Avenue NW Washington, DC 20004 Private Disability Insurance and Return-to-Work: Cost Savings to SSDI and Other Federal Programs Prepared
Work Incentives For Individuals Receiving SSDI or SSI Payments
Work Incentives For Individuals Receiving SSDI or SSI Payments SSDI Work Incentives * Continuation of Benefits While in a Rehabilitation Program * Continuation of Medicare Coverage * Exemption of Scholarships
The Standard Long Term Disability Plans and Rates 2014-15 Plan Year (no change from 2013-14)
Plans and Rates Page 1 of 5 Voluntary Enrollment / Employee Paid plans allow each employee to choose whether or not they wish to enroll, and premiums must be paid by the employee. Plan 1 Plan 2 Plan 3
The American Council of Life Insurers. Written Statement for the Record. for. Maintaining the Disability Insurance Trust Fund s Solvency.
The American Council of Life Insurers Written Statement for the Record for Maintaining the Disability Insurance Trust Fund s Solvency Before the United States House Committee on Ways and Means Subcommittee
Kalman Rupp (SSA) and Gerald F. Riley (CMS)
Longitudinal patterns of public health insurance coverage among disability beneficiaries early results based on administrative records on DI, SSI, Medicare and Medicaid Kalman Rupp (SSA) and Gerald F.
SCHEDULE OF BENEFITS: Administrators, Directors, Accounting A. Administrative 1. Employer: Holland Public Schools 2. Plan Number: 3997 3.
SCHEDULE OF BENEFITS: Administrators, Directors, Accounting 5. Eligible Class: 01 Administrators, Directors, Accounting Supervisor and Administration Assistants 8. New Employee Eligibility Date: Upon completion
SSA Payments to State Vocational Rehabilitation Agencies (SVRAs) for Beneficiaries Who Work
SSA Payments to State Vocational Rehabilitation Agencies (SVRAs) for Beneficiaries Who Work Jody Schimmel Hyde (Mathematica) Paul O Leary (SSA) DRC Annual Research Meeting Washington, DC August 5, 2015
Philosophy and Background of the Working Healthy Program
Philosophy and Background of the Working Healthy Program Disincentives to work The unemployment rate for people with disabilities remains about 70%. The great majority (72%) of those not working say they
UNDERSTANDING EXPEDITED REINSTATEMENT
UNDERSTANDING EXPEDITED REINSTATEMENT FEBRUARY 2008 Introduction The Ticket to Work and Work Incentives Improvement Act (TWWIIA) of 1999 created an important work incentive called Expedited Reinstatement
MYTH BUSTERS HOW EMPLOYMENT IMPACTS BENEFITS A CRASH COURSE IN SOCIAL SECURITY WORK INCENTIVES
MYTH BUSTERS HOW EMPLOYMENT IMPACTS BENEFITS A CRASH COURSE IN SOCIAL SECURITY WORK INCENTIVES TOPICS TO BE COVERED TODAY SSI SSDI (Supplemental Security Income) (Social Security Disability Insurance)
Supplemental Security Income (SSI): Beneficiary Income/Resource Limits and Accounts Exempt from Benefit Determinations
Supplemental Security Income (SSI): Beneficiary Income/Resource Limits and Accounts Exempt from Benefit Determinations Umar Moulta Ali Analyst in Disability Policy August 9, 2011 The House Ways and Means
Introduction to Social Security Work Incentives 3.19.14
Introduction to Social Security Work Incentives 3.19.14 Presented by the Disability Employment Initiative (DEI) a Federal grant operated by the Alaska Dept. of Labor and Workforce Development (DOL&WD),
Glossary of SSA Disability Programs and Related Terms
Glossary of SSA Disability Programs and Related Terms A D V A N C I N G T H E W O R L D O F W O R K N O V E M B E R 2 0 0 7 Age 18 Re-determination (SSI): Any person who was found eligible for SSI as a
Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries
Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Yonatan Ben-Shalom Arif Mamun Presented at the CSDP Forum Washington, DC September 17, 2014 Acknowledgments The research
Impact of Federal Policies on an Aging Workforce with Disabilities
Number 6 January 2011 March 2012 Impact of Federal Policies on an Aging Workforce with Disabilities by Richard W. Johnson Introduction Moving older working-age adults with disabilities into the labor force
Prescription drugs are a critical component of health care. Because of the role of drugs in treating conditions, it is important that Medicare ensures that its beneficiaries have access to appropriate
Cost Sharing for Medicare Advantage Plans
Cost Sharing for Medicare Advantage Plans CMS/CMSO/DEHPG/DEEO: 5/9/07 Questions have been raised by States, providers and Medicare Advantage plans regarding the obligations of State Medicaid programs,
A Desktop Guide to Social Security & SSI Work Incentives 2016
California s Protection & Advocacy System Toll-Free (800) 776-5746 A Desktop Guide to Social Security & SSI Work Incentives 2016 March 2016, Pub. #5516.01 Special rules make it possible for people with
SSDI and SSI Comparison Chart
SSDI and SSI Comparison Chart Source of Payments: Initial Qualification: Health Insurance: Family Members: SSDI Disability trust fund (FICA taxes)! Meet medical criteria! Not working at Substantial Gainful
Why Are Some SSDI-Only Beneficiaries Poor? Insights from the National Beneficiary Survey
DRC Brief Number: 2014-04 Why Are Some SSDI-Only Beneficiaries Poor? Insights from the National Beneficiary Survey Gina Livermore and Maura Bardos The Social Security disability programs are a critical
Achieving a Better Life Experience (ABLE) in Ohio Frequently Asked Questions
Achieving a Better Life Experience (ABLE) in Ohio Frequently Asked Questions BASICS Q: What is an ABLE account? A: An ABLE account is a financial account available to individuals with a disability who
for individuals receiving disability benefits
2013 workbook Work Understanding work and benefit options of SSDI, SSI, Medicare and Medicaid benefits you for individuals receiving disability benefits This is for you if: You have a job or want a job
Employment Supports Under Social Security Disability, Medicare, Supplemental Security Income and MassHealth in Massachusetts
Employment Supports Under Social Security Disability, Medicare, Supplemental Security Income and MassHealth in Massachusetts Many people with disabilities are ready, able and willing to work, at least
Medicare Design Part A: Inpatient care, hospice, and some home health care Part B: Physician services + outpatient care Part C ( Medicare Advantage
Medicare Design Part A: Inpatient care, hospice, and some home health care Part B: Physician services + outpatient care Part C ( Medicare Advantage ): Private plan alternative to Parts A and B Part D:
Work Incentives for Youth - Health Insurance
Welcome to this Works for Me webcast series entitled Promoting a Basic Understanding of Work Incentives for Professionals Who Support Youth and Young Adults in Transition. This module addresses different
Social Security Disability Insurance (SSDI) and Medicare: The 24-Month Waiting Period for SSDI Beneficiaries Under Age 65
Social Security Disability Insurance (SSDI) and Medicare: The 24-Month Waiting Period for SSDI Beneficiaries Under Age 65 Scott Szymendera Analyst in Disability Policy January 7, 2009 The House Ways and
WikiLeaks Document Release
WikiLeaks Document Release February 2, 2009 Congressional Research Service Report RS22195 Social Security Disability Insurance (SSDI) and Medicare: The 24-Month Waiting Period for SSDI Beneficiaries Under
When looking to resolve catastrophic claims, we always get
Resolving Catastrophic Claims for Duel-Eligible Beneficiaries of Medicare and Medicaid by David J. Korch When looking to resolve catastrophic claims, we always get into the dilemma of how to address the
Health Insurance and Financing of care for seniors : An Overview"
Health Insurance and Financing of care for seniors : An Overview" Peter C. Damiano! Director, Public Policy Center! University of Iowa! Senior College! September 30, 2011! Today s topics! Principles of
Supplemental Security Income. The SSI Program Background
Supplemental Security Income Social Security Administration The SSI Program Background n Cash assistance program n Administered by SSA n Authorized by Title XVI of the Social Security Act in 1972 n Assures
An Overview of Pathways to Careers
An Overview of Pathways to Careers Presentation to the National Disability Rights Network Martin Gerry Executive Managing Director Therese Fimian Senior Research Manager December 13, 2013 Pathways to Careers
STATISTICAL BRIEF #48
Medical Expenditure Panel Survey STATISTICAL BRIEF #48 Agency for Healthcare Research and Quality July 24 Employer-Sponsored Health Insurance Characteristics, by Payroll for the Private Sector, 22 John
November 9, 2013. Beth Sufian, JD.
November 9, 2013 CF Education Day Beth Sufian, JD. SUFIAN & PASSAMANO, L.L.P. LP 1 800 622 0385 www.sufianpassamano.com Disclaimer Nothing in this presentation is meant to be legal advice about a specific
Are you a Social Security beneficiary who is considering returning to work? Many people
WORKING AND KEEPING YOUR MEDICAL ASSISTANCE (MEDICAID) BENEFITS: A FACT SHEET FOR SOCIAL SECURITY BENEFICIARIES Prepared by the Disability Rights Network of Pennsylvania Are you a Social Security beneficiary
Provider Experiences Under the Revised Ticket to Work Regulations. Final Report
Provider Experiences Under the Revised Ticket to Work Regulations Final Report September 19, 2011 (Updated in February 2013 with errata and corrected information) Norma Altshuler Sarah Prenovitz Bonnie
Busting the Myths About Disability Benefits and Work Presented by Jill Hannemann, CWIC The Work Incentives Network
Busting the Myths About Disability Benefits and Work Presented by Jill Hannemann, CWIC The Work Incentives Network 1 Why work? Benefits programs are only meant to provide for the basic necessities of living:
MASSACHUSETTS UNDER THE AFFORDABLE CARE ACT: EMPLOYER-RELATED ISSUES AND POLICY OPTIONS
MASSACHUSETTS UNDER THE AFFORDABLE CARE ACT: EMPLOYER-RELATED ISSUES AND POLICY OPTIONS JULY 2012 Fredric Blavin, Linda J. Blumberg, Matthew Buettgens, and Jeremy Roth of the Urban Institute ABOUT THE
Agency Response to OPPAGA s Progress Report. Medicaid Disease Management Initiative Has Not Yet Met Cost-Savings and Health Outcomes Expectations
Agency Response to OPPAGA s Progress Report Medicaid Disease Management Initiative Has Not Yet Met Cost-Savings and Health Outcomes Expectations May 7, 2004 OPPAGA Comments to Agency s Response Rather
PBT MediCap Medicare Supplement Plans Enrollment Form
PBT MediCap Medicare Supplement Plans Enrollment Form Complete this enrollment form if you or your spouse is over age 65 or if medically disabled. ISMS and CMS members call 1-800-621-0748 ISDS members
CRS Report for Congress
CRS Report for Congress.Received through the CRS Web Order Code RS22195 July 14, 2005 Social Security Disability Insurance (SSDI) and Medicare: The 24-Month Waiting Period for SSDI Beneficiaries Under
TICKET TO WORK Free Support Services for People Who Have a Disability and Are Ready to Work
TICKET TO WORK Free Support Services for People Who Have a Disability and Are Ready to Work Using Your Ticket to Work: Your Journey to Financial Independence Social Security Administration Ticket to Work
Symposium at Chautauqua Pathways to Careers Martin Gerry Executive Managing Director Institute for Economic Empowerment July 23, 2013
Symposium at Chautauqua Pathways to Careers Martin Gerry Executive Managing Director Institute for Economic Empowerment July 23, 2013 Pathways to Careers Goal All youth and adults with significant disabilities
Safety-Net Program Participation for Working-Age Persons with Disabilities. Andrew J. Houtenville, Ph.D. Debra Brucker, M.P.A., Ph.D.
Safety-Net Program Participation for Working-Age Persons with Disabilities Andrew J. Houtenville, Ph.D. Debra Brucker, M.P.A., Ph.D. University of New Hampshire Introduction Purpose of Presentation: To
Unemployment, welfare, and Social Security Disability/SSI benefits: How they affect one another
Originally published as: Liebkemann, K., & Cebula, R. (2006, December) Unemployment, welfare, and Social Security Disability/SSI benefits: How they affect one. Looking out for Your Legal Rights: New Jersey
Statistical Brief #25: Employer-Sponsored Health Insurance Characteristics by Average Payroll for the Private Sector in 2001
Statistical Brief #25: Employer-Sponsored Health Insurance Characteristics by Average Payroll for the Private Sector in 2001 By: John Sommers, Ph.D. Introduction One of the primary sources of health coverage
Medicare: Who, What, When, Where
Medicare: Who, What, When, Where 1. Who administers Medicare? The Centers for Medicare and Medicaid Services (CMS), a part of the Department of Health and Human Services (HHS), administers the Federal
What happens when a person receiving disability benefits goes to work? Understanding Benefits & Work Incentives
What happens when a person receiving disability benefits goes to work? Understanding Benefits & Work Incentives Presented by Granite State Independent Living s Financial Planning for Employment and Benefit
Household health care spending: comparing the Consumer Expenditure Survey and the National Health Expenditure Accounts Ann C.
Household health care spending: comparing the Consumer Expenditure Survey and the National Health Expenditure Accounts Ann C. Foster Health care spending data produced by the Federal Government include
Medicare and People with Disabilities: An Overview
FACT SHEET Medicare and People with Disabilities: An Overview (I-001) p. 1 of 5 Medicare and People with Disabilities: An Overview This fact sheet provides basic information on Medicare for people with
The Interaction of Workforce Development Programs and Unemployment Compensation by Individuals with Disabilities in Washington State
Number 6 January 2011 June 2011 The Interaction of Workforce Development Programs and Unemployment Compensation by Individuals with Disabilities in Washington State by Kevin Hollenbeck Introduction The
Statewide Medicaid Managed Care (SMMC) Patient Responsibility and Reimbursement of Nursing Facility Services
Statewide Medicaid Managed Care (SMMC) Patient Responsibility and Reimbursement of Nursing Facility Services I. Overview of Patient Responsibility for Nursing Facility Services Patient responsibility is
Benefits through the stages of your life. DISABILITY BENEFITS
Benefits through the stages of your life. DISABILITY BENEFITS Table of Contents 1. Disability Benefits Death and Disability Plan...1 Overview.... 1 Eligibility and Enrollment... 3 Disability Benefits....
INSIGHT on the Issues
INSIGHT on the Issues Social Security Disability Insurance: A Primer AARP Public Policy Institute For most U.S. workers and their families, Social Security Disability Insurance (SSDI or DI) provides protection
DIAGNOSING WHAT AILS YOUR DISABILITY PLAN
DIAGNOSING WHAT AILS YOUR DISABILITY PLAN The Prudential Insurance Company of America (Prudential) 751 Broad Street, Newark, NJ 0261896 Table of contents Introduction... 1 Striking a Delicate Balance...
11 LC 28 5349 A BILL TO BE ENTITLED AN ACT
Senate Bill 215 By: Senator Hill of the 32nd A BILL TO BE ENTITLED AN ACT 1 2 3 4 5 6 7 8 9 To amend Title 49 of the Official Code of Georgia Annotated, relating to social services, so as to convert Medicaid
Gale P. Arden, Director ~ Disabled and Elderly Healt~Programs Group. Medicaid Obligations for Cost-Sharing in Medicare Part C Plans
DEPARTMENT OF HEALTH & HUMAN SERVICES Centers for Medicare & Medicaid Services 7500 Security Boulevard, Mail Stop S2-14-26 Baltimore, Maryland 21244-1850 CENTERS formed/care & MEDICAID SERVICES Center
ACHIEVING A BETTER LIFE EXPERIENCE ACT 113 th Congress
ACHIEVING A BETTER LIFE EXPERIENCE ACT 113 th Congress BASICS Frequently Asked Questions (1) What is the purpose of this legislation? ANSWER: The purpose of this legislation is to provide a tax deferred
Supplemental Disability Insurance Calculation
Supplemental Disability Insurance Calculation Supplemental Disability Monthly Rates for 2013 Age Waiting Period 7 Days 30 Days 90 Days 180 Days Under 35 $0.0088 $0.0032 $0.0028 $0.0011 35 39 0.0093 0.0036
The American Council of Life Insurers. Written Statement for the Record. for
The American Council of Life Insurers Written Statement for the Record for Do Private Long-Term Disability Policies Provide the Protection They Promise? Before the United States Senate Finance Committee
Health Reform Employer Impact Analysis. Sample Employer. Prepared for. Date
Health Reform Employer Impact Analysis Prepared for Sample Employer Date 2 Health Reform Employer Impact Analysis Overview Beginning in 2014, an applicable large employer becomes subject to what are referred
Group to Individual Trend - How Health Plans Can Optimize Retention
Get Smart. Get Covered. Get Going. Group to Individual Trend - How Health Plans Can Optimize Retention Wellthie s Retail Ready White Paper Series What is the group to individual trend? Small group employers
By Hugh Berry & Megan A. Jones. Introduction
Social Security Disability Insurance and Supplemental Security Income for Undergraduates with Disabilities: An Analysis of the National Postsecondary Student Aid Survey (NPSAS 2000) By Hugh Berry & Megan
Health care reform for large businesses
FOR PRODUCERS AND EMPLOYERS Health care reform for large businesses A guide to what you need to know now DECEMBER 2013 CONTENTS 2 Introduction Since 2010 when the Affordable Care Act (ACA) was signed into
Some individuals are dual eligible meaning they qualify for both Medicaid and Medicare. In
Understanding Dual Eligibility The Interplay between Medicare and Medicaid Jason D. Lazarus, Esq. Introduction Some individuals are dual eligible meaning they qualify for both Medicaid and Medicare. In
Moral Hazard and Claims Deterrence in Private Disability Insurance *
Moral Hazard and Claims Deterrence in Private Disability Insurance * David Autor, MIT and NBER Mark Duggan, Wharton School, University of Pennsylvania, and NBER Jonathan Gruber, MIT and NBER June 2012
Working While Disabled How We Can Help
Working While Disabled How We Can Help 2015 Contacting Social Security Visit our website At our website, www.socialsecurity.gov, you can: Create a my Social Security account to review your Social Security
APPLY FOR SOCIAL SECURITY DISABILITY BENEFITS
APPLY FOR SOCIAL SECURITY DISABILITY BENEFITS When a person age 18 or older applies for SSI, the Social Security Administration also determines whether s/he may be eligible for Social Security Disability
Glossary of SSA Disability Programs and Related Terms
Glossary of SSA Disability Programs and Related Terms Authors: Thomas P. Golden M.S., C.R.C. Employment and Disability Institute Raymond A. Cebula, Esq. Employment and Disability Institute Edwin J. Lopez-Soto,
Connecticut State Employee Collective Bargaining and Retirement Benefits
Background Connecticut State Employee Collective Bargaining and Retirement Benefits State employees through their bargaining units have had the authority under state law to collectively bargain on wages,
President Bush s Health Care Tax Deduction Proposal: Coverage, Cost and Distributional Impacts. John Sheils and Randy Haught
www.lewin.com President Bush s Health Care Tax Deduction Proposal: Coverage, Cost and Distributional Impacts John Sheils and Randy Haught President Bush proposes to replace the existing tax exemption for
Finding the Best Medical Assistance for Working Beneficiaries
Finding the Best Medical Assistance for Working Beneficiaries Federal/State funded, financial needs based health insurance States required to cover certain mandatory services States required to cover certain
Updated Estimates for the Insurance Coverage Provisions of the Affordable Care Act
MARCH 2012 Updated Estimates for the Insurance Coverage Provisions of the Affordable Care Act In preparing the March 2012 baseline budget projections, the Congressional Budget Office (CBO) and the staff
In preparing the February 2014 baseline budget
APPENDIX B Updated Estimates of the Insurance Coverage Provisions of the Affordable Care Act In preparing the February 2014 baseline budget projections, the Congressional Budget Office () and the staff
Medicare Eligibility Guidance. For Patients with Amyotrophic Lateral Sclerosis (ALS)
Medicare Eligibility Guidance For Patients with Amyotrophic Lateral Sclerosis (ALS) Medicare Eligibility Guidance Synapse Biomedical, Inc. has prepared this background information for clinicians who work
Group Long Term Disability. Income Protection. For State IIA Association Members Effective July, 2001. with monthly benefits to $10,000
Group Long Term Disability Income Protection with monthly benefits to $10,000 Since 1964 KELSEY NATIONAL CORPORATION With Your State IIA Endorsed Group Long Term Disability Income Protection You Get These
Frequently Asked Questions for Retirement 1. Who is eligible to retire? Employees with five years of CalPERS service, at 50 years of age or older.
Frequently Asked Questions for Retirement 1. Who is eligible to retire? Employees with five years of CalPERS service, at 50 years of age or older. 2. Are all employees eligible for retirement health benefits?
Programs. Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured. Medical Assistance for Families (SB 6)
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
LIFT Perspective. Role of Government Series November 29, 2006. Reforming the Funding Mechanism of the Texas Health Insurance Risk Pool
LIFT Perspective Role of Government Series November 29, 2006 Reforming the Funding Mechanism of the Texas Health Insurance Risk Pool Recommendation The Texas Health Insurance Risk Pool plays an essential
Office of the Actuary
DEPARTMENT OF HEALTH & HUMAN SERVICES Centers for Medicare & Medicaid Services 7500 Security Boulevard, Mail Stop N3-01-21 Baltimore, Maryland 21244-1850 Office of the Actuary DATE: March 25, 2008 FROM:
Restructuring Medicare Cost Sharing: Options and Implications
Restructuring Medicare Cost Sharing: Options and Implications Alliance for Health Reform Washington, D.C. Juliette Cubanski, Ph.D. Associate Director, Program on Medicare Policy Kaiser Family Foundation
Medicare Benefits. As of 2012, approximately 50 million people were Medicare beneficiaries.
Medicare Benefits Medicare is the federal health insurance program for people age 65 and older, and those of all ages with certain disabilities, End-Stage Renal Disease (ESRD), or Lou Gehrig s disease
The ABLE Act Explained. A Joint WealthCounsel / ElderCounsel Thought Paper
The ABLE Act Explained A Joint WealthCounsel / ElderCounsel Thought Paper The ABLE Act Explained A Joint WealthCounsel / ElderCounsel Thought Paper Jeremiah H. Barlow, J.D. Stephen W. Dale, J.D., LLM.
Full- Time Employees Overview of Life Insurance Coverage Options for Full- Time Employees
Life Insurance The Company offers different life insurance coverage options to protect you and your family in the case of your death or accidental injury (AD&D insurance only applies to full- time employees).
The Costs of a Medicare Prescription Drug Benefit: A Comparison of Alternatives
This executive summary provides an overview of work that is described in more detail in The Costs of a Medicare Prescription Drug Benefit: A Comparison of Alternatives, RAND MR-1529.0-NIA, by Dana P. Goldman,
to Health Care Reform
The Employer s Guide to Health Care Reform What you need to know now to: Consider your choices Decide what s best for you Follow the rules 2013-2014 Health care reform is the law of the land. Some don
Preliminary Health Insurance Landscape Analysis
Preliminary Health Insurance Landscape Analysis Prior to addressing some of the issues listed under Section 3.1 3.5 of the HRSA State Planning Grant report template, here is some of the information available
Answering Questions about Your Family s Income When Applying for Health Insurance
What You Need to Know about Health Insurance Applying for Health Insurance Answering Questions about Your Family s Income When Applying for Health Insurance About this fact sheet You may be able to get
June 2016. John Kregel* Lucy Miller DRC BRIEF NUMBER: 2016-07
DRC BRIEF NUMBER: 2016-07 Disability Benefits for Veterans: Interactions Among Department of Defense, Department of Veterans Affairs, and Social Security Administration Programs June 2016 John Kregel*
THE FUTURE OF EMPLOYER BASED HEALTH INSURANCE FOLLOWING HEALTH REFORM
THE FUTURE OF EMPLOYER BASED HEALTH INSURANCE FOLLOWING HEALTH REFORM National Congress on Health Insurance Reform Washington, D.C., January 20, 2011 Elise Gould, PhD Health Policy Research Director Economic
Medicare Part D: Creditable Coverage & Retiree Drug Subsidy
For Distribution to Brokers/Wholesalers/Administrators Only September 23, 2005 Medicare Part D: Creditable Coverage & Retiree Drug Subsidy Market: All CareFirst would like to keep you informed of the latest
IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 113
Diageo: Your 2015 Employee Benefits 113 Disability Plans Diageo NA offers the Short-term and Long-term Disability Plans through Hartford Life to provide financial protection for you and your family if
Anthem Life Insurance Company VOLUNTARY SHORT TERM DISABILITY PLAN
Anthem Life Insurance Company VOLUNTARY SHORT TERM DISABILITY PLAN FREQUENTLY ASKED QUESTIONS BUS MEMBERS ONLY This document provides a brief overview of the Anthem Life Insurance Company (Anthem) Voluntary
SPECIAL MEDICAL ASSISTANCE PROGRAMS
SPECIAL MEDICAL ASSISTANCE PROGRAMS Use this brochure for information on Qualified Medicare Beneficiaries (QMB), Specified Low Income Medicare Beneficiaries (SLMB), and Qualified Disabled and Working Individuals
St. Thomas University
St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit
Medicaid Basics and Indiana Health Coverage Programs (IHCPs) Module #2 Training Resource for Indiana Navigators
Medicaid Basics and Indiana Health Coverage Programs (IHCPs) Module #2 Training Resource for Indiana Navigators 2 Module #2 Objectives After reviewing this module, you will be able to: Assess whether someone
Long Term Disability Insurance
Revised July 3, 2006 Long Term Disability Insurance Benefit Highlights Tennessee Board of Regents Exempt Employees This guide is designed to provide a general overview of your long term disability benefits.
Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007
Information provided by NYS Civil Service Medicare for Disability Retirees - September 2007 For employees of New York State agencies who are awarded a Disability Retirement Disability Retirees Must Enroll