BRCA1 and BRCA2: Cancer Risk and Genetic Testing Key Points What are BRCA1 and BRCA2 How do BRCA1 and BRCA2

Size: px
Start display at page:

Download "BRCA1 and BRCA2: Cancer Risk and Genetic Testing Key Points What are BRCA1 and BRCA2 How do BRCA1 and BRCA2"

Transcription

1 BRCA1 and BRCA2: Cancer Risk and Genetic Testing Key Pints BRCA1 and BRCA2 are human genes that belng t a class f genes knwn as tumr suppressrs. Mutatin f these genes has been linked t hereditary breast and varian cancer. A wman's risk f develping breast and/r varian cancer is greatly increased if she inherits a deleterius (harmful) BRCA1 r BRCA2 mutatin. Men with these mutatins als have an increased risk f breast cancer. Bth men and wmen wh have harmful BRCA1 r BRCA2 mutatins may be at increased risk f ther cancers. Genetic tests are available t check fr BRCA1 and BRCA2 mutatins. A bld sample is required fr these tests, and genetic cunseling is recmmended befre and after the tests. If a harmful BRCA1 r BRCA2 mutatin is fund, several ptins are available t help a persn manage their cancer risk. Federal and state laws help ensure the privacy f a persn s genetic infrmatin and prvide prtectin against discriminatin in health insurance and emplyment practices. Many research studies are being cnducted t find newer and better ways f detecting, treating, and preventing cancer in BRCA1 and BRCA2 mutatin carriers. Additinal studies are fcused n imprving genetic cunseling methds and utcmes. Our knwledge in these areas is evlving rapidly. 1. What are BRCA1 and BRCA2? BRCA1 and BRCA2 are human genes that belng t a class f genes knwn as tumr suppressrs. In nrmal cells, BRCA1 and BRCA2 help ensure the stability f the cell s genetic material (DNA) and help prevent uncntrlled cell grwth. Mutatin f these genes has been linked t the develpment f hereditary breast and varian cancer. The names BRCA1 and BRCA2 stand fr breast cancer susceptibility gene 1 and breast cancer susceptibility gene 2, respectively. 2. Hw d BRCA1 and BRCA2 gene mutatins affect a persn's risk f cancer? Nt all gene changes, r mutatins, are deleterius (harmful). Sme mutatins may be beneficial, whereas thers may have n bvius effect (neutral). Harmful mutatins can increase a persn s risk f develping a disease, such as cancer. A wman s lifetime risk f develping breast and/r varian cancer is greatly increased if she inherits a harmful mutatin in BRCA1 r BRCA2. Such a wman has an increased risk f develping breast and/r varian cancer at an early age (befre menpause) and ften has multiple, clse family members wh have been diagnsed with these diseases. Harmful BRCA1 mutatins may als increase a wman s risk f develping cervical, uterine, pancreatic, and cln cancer (1, 2). Harmful BRCA2 mutatins may additinally increase the risk f pancreatic cancer, stmach cancer, gallbladder and bile duct cancer, and melanma (3). Men with harmful BRCA1 mutatins als have an increased risk f breast cancer and, pssibly, f pancreatic cancer, testicular cancer, and early-nset prstate cancer. Hwever, male breast cancer, pancreatic cancer, and prstate cancer appear t be mre strngly assciated with BRCA2 gene mutatins (2 4).

2 The likelihd that a breast and/r varian cancer is assciated with a harmful mutatin in BRCA1 r BRCA2 is highest in families with a histry f multiple cases f breast cancer, cases f bth breast and varian cancer, ne r mre family members with tw primary cancers (riginal tumrs that develp at different sites in the bdy), r an Ashkenazi (Central and Eastern Eurpean) Jewish backgrund (see Questin 6). Hwever, nt every wman in such families carries a harmful BRCA1 r BRCA2 mutatin, and nt every cancer in such families is linked t a harmful mutatin in ne f these genes. Furthermre, nt every wman wh has a harmful BRCA1 r BRCA2 mutatin will develp breast and/r varian cancer. Accrding t estimates f lifetime risk, abut 12.0 percent f wmen (120 ut f 1,000) in the general ppulatin will develp breast cancer smetime during their lives cmpared with abut 60 percent f wmen (600 ut f 1,000) wh have inherited a harmful mutatin in BRCA1 r BRCA2 (4, 5). In ther wrds, a wman wh has inherited a harmful mutatin in BRCA1 r BRCA2 is abut five times mre likely t develp breast cancer than a wman wh des nt have such a mutatin. Lifetime risk estimates fr varian cancer amng wmen in the general ppulatin indicate that 1.4 percent (14 ut f 1,000) will be diagnsed with varian cancer cmpared with 15 t 40 percent f wmen ( ut f 1,000) wh have a harmful BRCA1 r BRCA2 mutatin (4, 5). It is imprtant t nte, hwever, that mst research related t BRCA1 and BRCA2 has been dne n large families with many individuals affected by cancer. Estimates f breast and varian cancer risk assciated with BRCA1 and BRCA2 mutatins have been calculated frm studies f these families. Because family members share a prprtin f their genes and, ften, their envirnment, it is pssible that the large number f cancer cases seen in these families may be due in part t ther genetic r envirnmental factrs. Therefre, risk estimates that are based n families with many affected members may nt accurately reflect the levels f risk fr BRCA1 and BRCA2 mutatin carriers in the general ppulatin. In additin, n data are available frm lng-term studies f the general ppulatin cmparing cancer risk in wmen wh have harmful BRCA1 r BRCA2 mutatins with wmen wh d nt have such mutatins. Therefre, the percentages given abve are estimates that may change as mre data becme available. 3. D inherited mutatins in ther genes increase the risk f breast and/r varian tumrs? Yes. Mutatins in several ther genes, including TP53, PTEN, STK11/LKB1, CDH1, CHEK2, ATM, MLH1, and MSH2, have been assciated with hereditary breast and/r varian tumrs (4, 6, 7). Hwever, the majrity f hereditary breast cancers can be accunted fr by inherited mutatins in BRCA1 and BRCA2 (8). Overall, it has been estimated that inherited BRCA1 and BRCA2 mutatins accunt fr 5 t 10 percent f breast cancers and 10 t 15 percent f varian cancers amng white wmen in the United States (6). 4. Are specific mutatins in BRCA1 and BRCA2 mre cmmn in certain ppulatins? Yes. Fr example, three specific mutatins, tw in the BRCA1 gene and ne in the BRCA2 gene, are the mst cmmn mutatins fund in these genes in the Ashkenazi Jewish ppulatin. In ne study, 2.3 percent f participants (120 ut f 5,318) carried ne f these three mutatins (9). This frequency is abut five times higher than that fund in the general ppulatin (10). It is nt knwn whether the increased frequency f these

3 mutatins is respnsible fr the increased risk f breast cancer in Jewish ppulatins cmpared with nn-jewish ppulatins. Other ethnic and gegraphic ppulatins arund the wrld, such as the Nrwegian, Dutch, and Icelandic peples, als have higher frequencies f specific BRCA1 and BRCA2 mutatins. In additin, limited data indicate that the frequencies f specific BRCA1 and BRCA2 mutatins may vary amng individual racial and ethnic grups in the United States, including African Americans, Hispanics, Asian Americans, and nn-hispanic whites (11 13). This infrmatin abut genetic differences between racial and ethnic grups may help health care prviders in selecting the mst apprpriate genetic test(s) (see Questin 5). 5. Are genetic tests available t detect BRCA1 and BRCA2 mutatins, and hw are they perfrmed? Yes. Several methds are available t test fr BRCA1 and BRCA2 mutatins (14). Mst f these methds lk fr changes in BRCA1 and BRCA2 DNA. At least ne methd lks fr changes in the prteins prduced by these genes. Frequently, a cmbinatin f methds is used. A bld sample is needed fr these tests. The bld is drawn in a labratry, dctr's ffice, hspital, r clinic and then sent t a labratry that specializes in the tests. It usually takes several weeks r lnger t get the test results. Individuals wh decide t get tested shuld check with their health care prvider t find ut when their test results might be available. Genetic cunseling is generally recmmended befre and after a genetic test. This cunseling shuld be perfrmed by a health care prfessinal wh is experienced in cancer genetics (see Questin 17). Genetic cunseling usually invlves a risk assessment based n the individual s persnal and family medical histry and discussins abut the apprpriateness f genetic testing, the specific test(s) that might be used and the technical accuracy f the test(s), the medical implicatins f a psitive r a negative test result, the pssibility that a test result might nt be infrmative (an ambiguus result) (see belw), the psychlgical risks and benefits f genetic test results, and the risk f passing a mutatin t children. 6. Hw d peple knw if they shuld cnsider genetic testing fr BRCA1 and BRCA2 mutatins? Currently, there are n standard criteria fr recmmending r referring smene fr BRCA1 r BRCA2 mutatin testing. In a family with a histry f breast and/r varian cancer, it may be mst infrmative t first test a family member wh has breast r varian cancer. If that persn is fund t have a harmful BRCA1 r BRCA2 mutatin, then ther family members can be tested t see if they als have the mutatin. Regardless, wmen wh have a relative with a harmful BRCA1 r BRCA2 mutatin and wmen wh appear t be at increased risk f breast and/r varian cancer because f their family histry shuld cnsider genetic cunseling t learn mre abut their ptential risks and abut BRCA1 and BRCA2 genetic tests. The likelihd f a harmful mutatin in BRCA1 r BRCA2 is increased with certain familial patterns f cancer. These patterns include the fllwing (15):

4 Fr wmen wh are nt f Ashkenazi Jewish descent: tw first-degree relatives (mther, daughter, r sister) diagnsed with breast cancer, ne f whm was diagnsed at age 50 r yunger; three r mre first-degree r secnd-degree (grandmther r aunt) relatives diagnsed with breast cancer regardless f their age at diagnsis; a cmbinatin f first- and secnd-degree relatives diagnsed with breast cancer and varian cancer (ne cancer type per persn); a first-degree relative with cancer diagnsed in bth breasts (bilateral breast cancer); a cmbinatin f tw r mre first- r secnd-degree relatives diagnsed with varian cancer regardless f age at diagnsis; a first- r secnd-degree relative diagnsed with bth breast and varian cancer regardless f age at diagnsis; and breast cancer diagnsed in a male relative. Fr wmen f Ashkenazi Jewish descent: any first-degree relative diagnsed with breast r varian cancer; and tw secnd-degree relatives n the same side f the family diagnsed with breast r varian cancer. These family histry patterns apply t abut 2 percent f adult wmen in the general ppulatin. Wmen wh have nne f these family histry patterns have a lw prbability f having a harmful BRCA1 r BRCA2 mutatin. 7. Hw much des BRCA1 and BRCA2 mutatin testing cst? The cst fr BRCA1 and BRCA2 mutatin testing usually ranges frm several hundred t several thusand dllars. Insurance plicies vary with regard t whether r nt the cst f testing is cvered. Peple wh are cnsidering BRCA1 and BRCA2 mutatin testing may want t find ut abut their insurance cmpany s plicies regarding genetic tests. 8. What des a psitive BRCA1 r BRCA2 test result mean? A psitive test result generally indicates that a persn has inherited a knwn harmful mutatin in BRCA1 r BRCA2 and, therefre, has an increased risk f develping certain cancers, as described abve. Hwever, a psitive test result prvides infrmatin nly abut a persn s risk f develping cancer. It cannt tell whether an individual will actually develp cancer r when. Nt all wmen wh inherit a harmful BRCA1 r BRCA2 mutatin will develp breast r varian cancer. A psitive genetic test result may have imprtant health and scial implicatins fr family members, including future generatins. Unlike mst ther medical tests, genetic tests can reveal infrmatin nt nly abut the persn being tested but als abut that persn s relatives. Bth men and wmen wh inherit harmful BRCA1 r BRCA2 mutatins, whether they develp cancer themselves r nt, may pass the mutatins n t their sns and daughters. Hwever, nt all children f peple wh have a harmful mutatin will inherit the mutatin. 9. What des a negative BRCA1 r BRCA2 test result mean? Hw a negative test result will be interpreted depends n whether r nt smene in the tested persn s family is knwn t carry a harmful BRCA1 r BRCA2 mutatin. If smene in the family has a knwn mutatin, testing ther family members fr the same

5 mutatin can prvide infrmatin abut their cancer risk. If a persn tests negative fr a knwn mutatin in his r her family, it is unlikely that they have an inherited susceptibility t cancer assciated with BRCA1 r BRCA2. Such a test result is called a true negative. Having a true negative test result des nt mean that a persn will nt develp cancer; it means that the persn s risk f cancer is prbably the same as that f peple in the general ppulatin. In cases in which a family has a histry f breast and/r varian cancer and n knwn mutatin in BRCA1 r BRCA2 has been previusly identified, a negative test result is nt infrmative. It is nt pssible t tell whether an individual has a harmful BRCA1 r BRCA2 mutatin that was nt detected by testing (a false negative ) r whether the result is a true negative. In additin, it is pssible fr peple t have a mutatin in a gene ther than BRCA1 r BRCA2 that increases their cancer risk but is nt detectable by the test(s) used. 10. What des an ambiguus BRCA1 r BRCA2 test result mean? If genetic testing shws a change in BRCA1 r BRCA2 that has nt been previusly assciated with cancer in ther peple, the persn s test result may be interpreted as ambiguus (uncertain). One study fund that 10 percent f wmen wh underwent BRCA1 and BRCA2 mutatin testing had this type f ambiguus result (16). Because everyne has genetic differences that are nt assciated with an increased risk f disease, it is smetimes nt knwn whether a specific DNA change affects a persn s risk f develping cancer. As mre research is cnducted and mre peple are tested fr BRCA1 r BRCA2 changes, scientists will learn mre abut these changes and cancer risk. 11. What are the ptins fr a persn wh has a psitive test result? Several ptins are available fr managing cancer risk in individuals wh have a harmful BRCA1 r BRCA2 mutatin. Hwever, high-quality data n the effectiveness f these ptins are limited. Surveillance Surveillance means cancer screening, r a way f detecting the disease early. Screening des nt, hwever, change the risk f develping cancer. The gal is t find cancer early, when it may be mst treatable. Surveillance methds fr breast cancer may include mammgraphy and clinical breast exams. Studies are currently under way t test the effectiveness f ther breast cancer screening methds, such as magnetic resnance imaging (MRI), in wmen with BRCA1 r BRCA2 mutatins. With careful surveillance, many breast cancers will be diagnsed early enugh t be successfully treated. Fr varian cancer, surveillance methds may include transvaginal ultrasund, bld tests fr CA 125 antigen, and clinical exams. Surveillance can smetimes find varian cancer at an early stage, but it is uncertain whether these methds can help reduce a wman's chance f dying frm this disease. Prphylactic Surgery This type f surgery invlves remving as much f the "at-risk" tissue as pssible in rder t reduce the chance f develping cancer. Bilateral prphylactic mastectmy (remval f healthy breasts) and prphylactic salping-phrectmy (remval f healthy fallpian tubes and varies) d nt, hwever, ffer a guarantee against develping cancer. Because nt all at-risk tissue can be remved by these prcedures, sme wmen have develped breast

6 cancer, varian cancer, r primary peritneal carcinmatsis (a type f cancer similar t varian cancer) even after prphylactic surgery. In additin, sme evidence suggests that the amunt f prtectin salping-phrectmy prvides against the develpment f breast and varian cancer may differ between carriers f BRCA1 and BRCA2 mutatins (17). Risk Avidance Certain behavirs have been assciated with breast and varian cancer risk in the general ppulatin (see Questin 16). Research results n the benefits f mdifying individual behavirs t reduce the risk f develping cancer amng BRCA1 r BRCA2 mutatin carriers are limited. Chempreventin This apprach invlves the use f natural r synthetic substances t reduce the risk f develping cancer r t reduce the chance that cancer will cme back. Fr example, the drug tamxifen has been shwn in numerus clinical studies t reduce the risk f develping breast cancer by abut 50 percent in wmen wh are at increased risk f this disease and t reduce the recurrence f breast cancer in wmen underging treatment fr a previusly diagnsed breast tumr. As a result, tamxifen was apprved by the U.S. Fd and Drug Administratin (FDA) as a breast cancer treatment and t reduce the risk f breast cancer develpment in premenpausal and pstmenpausal wmen wh are at increased risk f this disease. Few studies, hwever, have evaluated the effectiveness f tamxifen in wmen with BRCA1 r BRCA2 mutatins. Data frm three studies suggest that tamxifen may be able t help lwer the risk f breast cancer in BRCA1 and BRCA2 mutatin carriers (18 20). Tw f these studies examined the effectiveness f tamxifen in helping t reduce the develpment f cancer in the ppsite breast f wmen underging treatment fr an initial breast cancer (19, 20). Anther drug, ralxifene, was shwn in a large clinical trial spnsred by the Natinal Cancer Institute (NCI) t reduce the risk f develping invasive breast cancer in pstmenpausal wmen at increased risk f this disease by abut the same amunt as tamxifen. As a result, ralxifene was apprved by the FDA fr breast cancer risk reductin in pstmenpausal wmen. Since tamxifen and ralxifene inhibit the grwth f breast cancer cells in similar ways, ralxifene may be able t help reduce breast cancer risk in pstmenpausal BRCA1 and BRCA2 mutatin carriers. Hwever, this has nt been studied directly. 12. What are sme f the benefits f genetic testing fr breast and varian cancer risk? There can be benefits t genetic testing, whether a persn receives a psitive r a negative result. The ptential benefits f a negative result include a sense f relief and the pssibility that special preventive checkups, tests, r surgeries may nt be needed. A psitive test result can bring relief frm uncertainty and allw peple t make infrmed decisins abut their future, including taking steps t reduce their cancer risk. In additin, many peple wh have a psitive test result may be able t participate in medical research that culd, in the lng run, help reduce deaths frm breast cancer. 13. What are sme f the risks f genetic testing fr breast and varian cancer risk? The direct medical risks, r harms, f genetic testing are very small, but test results may have an effect n a persn s emtins, scial relatinships, finances, and medical chices.

7 Peple wh receive a psitive test result may feel anxius, depressed, r angry. They may chse t underg preventive measures, such as prphylactic surgery, that have serius lng-term implicatins and whse effectiveness is uncertain. Peple wh receive a negative test result may experience survivr guilt, caused by the knwledge that they likely d nt have an increased risk f develping a disease that affects ne r mre lved nes. Because genetic testing can reveal infrmatin abut mre than ne family member, the emtins caused by test results can create tensin within families. Test results can als affect persnal chices, such as marriage and childbearing. Issues surrunding the privacy and cnfidentiality f genetic test results are additinal ptential risks (see belw). 14. What can happen when genetic test results are placed in medical recrds? Clinical test results are nrmally included in a persn s medical recrds. Cnsequently, individuals cnsidering genetic testing must understand that their results might nt be kept private. Because a persn s genetic infrmatin is cnsidered health infrmatin, it is cvered by the Privacy Rule f the Health Infrmatin Prtability and Accuntability Act (HIPAA) f 1996 (21). The Privacy Rule requires that health care prviders and thers prtect the privacy f health infrmatin, sets bundaries n the use and release f health recrds, and empwers individuals t cntrl certain uses and disclsures f their health-related infrmatin. Many states als have laws t prtect the privacy and limit the release f genetic and ther health infrmatin. In 2008, the Genetic Infrmatin Nndiscriminatin Act (GINA) became Federal law (see Questin 15). GINA prhibits discriminatin based n genetic infrmatin in relatin t health insurance and emplyment, but the law des nt cver life insurance, disability insurance, and lng-term care insurance. When applying fr these types f insurance, peple may be asked t sign frms that give an insurance cmpany permissin t access their medical recrds. The insurance cmpany may take genetic test results int accunt when making decisins abut cverage. Sme physicians keep genetic test results ut f medical recrds. Hwever, even if such results are nt included in a persn s medical recrds, infrmatin abut a persn s genetic prfile can smetimes be gathered frm that persn s family medical histry. 15. What is genetic discriminatin, and are there laws t prtect peple frm this type f discriminatin? Genetic discriminatin ccurs when peple are treated differently by insurance cmpanies r emplyers because they have a gene mutatin that increases their risk f a disease, such as cancer. Hwever, in 2008, GINA was enacted t prtect U.S. citizens against discriminatin based n their genetic infrmatin in relatin t health insurance and emplyment (22, 23). The parts f the law relating t health insurers will take effect between May 2009 and May 2010, and thse relating t emplyers will take effect by Nvember The law des nt cver life insurance, disability insurance, and lngterm care insurance. In additin, the law des nt cver members f the military. Sme f the prtectins under GINA with regard t health insurance include the fllwing:

8 Premiums r cntributins t a grup health plan cannt be increased based n the genetic infrmatin f an individual(s) enrlled in the plan. Insurers cannt require an individual r family member t underg a genetic test befre enrllment in a grup health plan. Insurers cannt request, require, r purchase genetic infrmatin abut an individual befre the persn s enrllment in a grup health plan r in cnnectin with that persn s enrllment in the plan. Health insurers cannt use genetic infrmatin as the nly basis upn which t claim a pre-existing cnditin is present and, therefre, t deny cverage. Sme f the prtectins under GINA with regard t emplyment include the fllwing: Emplyers cannt refuse t hire and cannt fire individuals based n their genetic infrmatin. Emplyers cannt discriminate against emplyees with regard t salary, terms and cnditins f emplyment, privileges, and pprtunities fr the future because f their genetic infrmatin. Emplyers cannt request, require, r purchase genetic infrmatin abut an emplyee except under specific circumstances. Emplyers cannt disclse an emplyee's genetic infrmatin except under specific circumstances. Befre GINA was passed, many states enacted laws against genetic discriminatin. The amunt f prtectin prvided by these laws varies widely frm state t state. GINA sets a minimum standard f prtectin that must be met by all states. It des nt weaken the prtectins prvided by any state law. 16. In general, what factrs increase r decrease the chance f develping breast cancer and/r varian cancer? The fllwing factrs have been assciated with increased r decreased risk f develping breast and/r varian cancer in the general ppulatin. It is nt yet knwn exactly hw these factrs influence risk in peple with BRCA1 r BRCA2 mutatins. In additin, a significant prtin f hereditary breast cancers are nt assciated with BRCA1 r BRCA2 mutatins (8). Age The risks f breast and varian cancer increase with age. Mst breast and varian cancers ccur in wmen ver the age f 50. Wmen with harmful BRCA1 r BRCA2 mutatins ften develp breast r varian cancer befre age 50. Family Histry Wmen wh have a first-degree relative (mther, sister, r daughter) r ther clse relative with breast and/r varian cancer may be at increased risk f develping these cancers. In additin, wmen with relatives wh have had cln cancer may be at increased risk f develping varian cancer. Medical Histry Wmen wh have already had breast cancer are at increased risk f develping breast cancer again, r f develping varian cancer. Hrmnal Influences Estrgen is a hrmne that is naturally prduced by the bdy and stimulates the nrmal grwth f breast tissue. It is thught that excess estrgen may cntribute t breast cancer risk because f its natural rle in stimulating breast cell grwth. Wmen wh had their first menstrual perid befre the age f 12 r experienced menpause after age 55 have a slightly increased risk f breast cancer, as d wmen wh had their first child after age 30. Each f these

9 factrs increases the amunt f time a wman s bdy is expsed t estrgen. Remval f a wman s varies, which are the main surce f estrgen prductin, reduces the risk f breast cancer. Breast-feeding als reduces breast cancer risk and is thught t exert its effects thrugh hrmnal mechanisms (24). Birth Cntrl Pills (Oral Cntraceptives) Mst studies have shwn a slight increase r n change in risk f breast cancer amng wmen taking birth cntrl pills (24). In cntrast, numerus studies have shwn that taking birth cntrl pills decreases a wman s risk f develping varian cancer (25). This prtective benefit appears t increase with the duratin f ral cntraceptive use and persists up t 25 years after discntinuing use. It als appears that the use f birth cntrl pills lwers the risk f varian cancer in wmen wh carry harmful BRCA1 r BRCA2 mutatins (26). Hrmne Replacement Therapy Dctrs may prescribe hrmne replacement therapy (HRT) t reduce the discmfrt f certain symptms f menpause, such as ht flashes. Hwever, the results f the Wmen s Health Initiative (WHI), a large clinical study cnducted by the Natinal Heart, Lung, and Bld Institute, part f the Natinal Institutes f Health (NIH), shwed that HRT with the hrmnes estrgen and prgestin is assciated with harmful side effects, including an increased risk f breast cancer and increased risks f heart attack, bld clts, and strke. The WHI als shwed that HRT with estrgen alne was assciated with increased risks f bld clts and strke, but the effect n breast cancer risk was uncertain (27). In additin, the WHI shwed an increase in varian cancer risk amng wmen wh received estrgen and prgestin HRT, but this finding was nt statistically significant (28). Because f these ptential harmful side effects, the FDA has recmmended that HRT be used nly at the lwest dses fr the shrtest perid f time needed t achieve treatment gals. N data have been reprted t date regarding the effects f HRT n breast cancer risk amng wmen carrying harmful BRCA1 r BRCA2 mutatins, and nly limited data are available regarding HRT use and varian cancer risk amng such wmen. In ne study, HRT use did nt appear t affect varian cancer risk amng wmen with BRCA1 r BRCA2 mutatins (29). When cnsidering HRT use, bth the ptential harms and benefits f this type f treatment shuld be discussed carefully by a wman and her health care prvider. Obesity Substantial evidence indicates that besity is assciated with an increased risk f breast cancer, especially amng pstmenpausal wmen wh have nt used HRT (24). Evidence als suggests that besity is assciated with increased mrtality (death) frm varian cancer (30). Physical Activity Numerus studies have examined the relatinship between physical activity and breast cancer risk, and mst f these studies have shwn that physical activity, especially strenuus physical activity, is assciated with reduced risk. This decrease in risk appears t be mre prnunced in premenpausal wmen and wmen with lwer-than-nrmal bdy weight (24). Alchl There is substantial evidence that alchl cnsumptin is assciated with increased breast cancer risk. Hwever, it is uncertain whether reducing alchl cnsumptin wuld decrease breast cancer risk (24).

10 Dietary Fat Althugh early studies suggested a pssible assciatin between a high-fat diet and increased breast cancer risk, mre recent studies have been incnclusive. In the WHI, a lw-fat diet did nt help reduce breast cancer risk (31). 17. Where can peple get mre infrmatin abut genetic testing fr cancer risk? A persn wh is cnsidering genetic testing shuld speak with a prfessinal trained in genetics befre deciding whether t be tested. These prfessinals may include dctrs, genetic cunselrs, and ther health care wrkers trained in genetics (such as nurses, psychlgists, r scial wrkers). Fr help finding a health care prfessinal trained in genetics, please visit NCI s Cancer Genetics Services Directry at n the Internet. Alternatively, please cntact NCI s Cancer Infrmatin Service (CIS) (see belw fr cntact infrmatin). The CIS can prvide mre infrmatin abut genetic testing and help in finding a health care prfessinal trained in genetics. 18. What research is currently being dne t help individuals with harmful BRCA1 r BRCA2 mutatins? Research studies are being cnducted t find newer and better ways f detecting, treating, and preventing cancer in BRCA1 and BRCA2 mutatin carriers. Additinal studies are fcused n imprving genetic cunseling methds and utcmes. Our knwledge in these areas is evlving rapidly. Infrmatin abut active clinical trials (research studies with peple) fr individuals with BRCA1 r BRCA2 mutatins is available n NCI s Web site. The fllwing links will initiate searches f NCI s clinical trials database and retrieve lists f trials pen t individuals with BRCA1 r BRCA2 mutatins. BRCA1 mutatin carriers BRCA2 mutatin carriers In additin, NCI s CIS can prvide infrmatin abut clinical trials and help with clinical trial searches (see belw fr cntact infrmatin).

Hereditary Breast and Ovarian Cancer (HBOC) Syndrome Testing Criteria*

Hereditary Breast and Ovarian Cancer (HBOC) Syndrome Testing Criteria* Breast Cancer Gene 1 and 2 (BRCA) Benefits t Change fr Texas Medicaid Effective July 1, 2015 Infrmatin psted May 15, 2015 Nte: This article applies t claims submitted t TMHP fr prcessing. Fr claims prcessed

More information

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions. This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015

RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 RIVERSIDE TRANSIT AGENCY FULL-TIME ATU EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely prud f the package f benefits available t yu. The benefits package prvided

More information

Health and Safety Training and Supervision

Health and Safety Training and Supervision Intrductin: Health and Safety Training and Supervisin University f Nttingham is cmmitted t maintaining and develping standards f excellence in all aspects f its business. T that end, the University aspires

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

Medication Guide ANDROGEL (AN DROW JEL) CIII (testosterone gel) 1.62%

Medication Guide ANDROGEL (AN DROW JEL) CIII (testosterone gel) 1.62% Medicatin Guide ANDROGEL (AN DROW JEL) CIII (teststerne gel) 1.62% Read this Medicatin Guide befre yu start using ANDROGEL 1.62% and each time yu get a refill. There may be new infrmatin. This infrmatin

More information

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC?

Issue Brief. SBC Distribution Rules for Employer Sponsored Health Plans October 2012. Summary. Which Plans Are Required to Provide the SBC? Issue Brief SBC Distributin Rules fr Emplyer Spnsred Health Plans Octber 2012 Summary The Affrdable Care Act (ACA) expands ERISA's disclsure requirements by requiring that a summary f benefits and cverage

More information

Retirement Planning Options Annuities

Retirement Planning Options Annuities Retirement Planning Optins Annuities Everyne wants a glden retirement. But saving fr retirement is n easy task. The baby bmer generatin is graying. Mre and mre peple are appraching retirement age. With

More information

Data Protection Act Data security breach management

Data Protection Act Data security breach management Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust

More information

An employer s Guide to engaging an occupational health physician

An employer s Guide to engaging an occupational health physician An emplyer s Guide t engaging an ccupatinal health physician When and why d emplyers need the services f ccupatinal physicians? Being in business invlves risk. Business pprtunities are inherently uncertain

More information

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy

WHAT YOU NEED TO KNOW ABOUT. Protecting your Privacy WHAT YOU NEED TO KNOW ABOUT Prtecting yur Privacy YOUR PRIVACY IS OUR PRIORITY Credit unins have a histry f respecting the privacy f ur members and custmers. Yur Bard f Directrs has adpted the Credit Unin

More information

The Importance of Market Research

The Importance of Market Research The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which

More information

Phi Kappa Sigma International Fraternity Insurance Billing Methodology

Phi Kappa Sigma International Fraternity Insurance Billing Methodology Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t

More information

Patient Participation Report

Patient Participation Report Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they

More information

COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS for STUDY ABROAD PROGRAMS

COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS for STUDY ABROAD PROGRAMS COMPREHENSIVE SAFETY ASSESSMENT INSTRUCTIONS fr STUDY ABROAD PROGRAMS Belw is a list f items t address and questins that need t be addressed in the cmprehensive safety assessment. In additin t the safety

More information

The Patient Choice, Affordability, Responsibility, and Empowerment Act

The Patient Choice, Affordability, Responsibility, and Empowerment Act The Patient Chice, Affrdability, Respnsibility, and Empwerment Act January 30, 2014 In January 2014, Senatrs Richard Burr (NC), Tm Cburn (OK), and Orrin Hatch (UT) made public a prpsal the Patient Chice,

More information

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES REFERENCES AND RELATED POLICIES A. UC PPSM 2 -Definitin f Terms B. UC PPSM 12 -Nndiscriminatin in Emplyment C. UC PPSM 14 -Affirmative

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

NHPCO Guidelines for Using CAHPS Hospice Survey Results

NHPCO Guidelines for Using CAHPS Hospice Survey Results Intrductin NHPCO Guidelines fr Using CAHPS Hspice Survey Results The Centers fr Medicare and Medicaid Services (CMS) has develped the Cnsumer Assessment f Healthcare Prviders and Systems (CAHPS ) Hspice

More information

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance An American Benefits Cnsulting White Paper American Benefits Cnsulting, LLC 99 Park Ave, 25 th Flr New Yrk, NY 10016 212 716-3400 http://www.abcsys.cm Grup Term Life Insurance: Table I Straddle Testing

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

Privacy Breach and Complaint Protocol

Privacy Breach and Complaint Protocol Privacy Breach and Cmplaint Prtcl Effective: December 31, 2012 Apprved by: Le McKenna, CFO 1.0 General Privacy breaches and privacy cmplaints will be handled in accrdance with this prtcl. This prtcl is

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

Workers Compensation Employee Packet

Workers Compensation Employee Packet Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).

More information

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles Health Care Refrm Patient Prtectin Affrdable Care Act (PPACA) Overview Key Principles DESCRIPTION: Healthcare Refrm/Patient Prtectin & Affrdable Care Act (PPACA) were passed int law March 23. 2010. Hwever,

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

Process for Responding to Privacy Breaches

Process for Responding to Privacy Breaches Prcess fr Respnding t Privacy Breaches 1. Purpse 1.1 This dcument sets ut the steps that ministries must fllw when respnding t a privacy breach. It must be read in cnjunctin with the Infrmatin Incident

More information

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011 Watlingtn and Chalgrve GP - Patient Satisfactin Survey 2011 Backgrund During ne week in Nvember last year patients attending either the Chalgrve r the Watlingtn surgeries were asked t cmplete a survey

More information

Crnwall Partners in Care

Crnwall Partners in Care Crnwall Partners in Care Mving Frward Versin 2.0 8 th January 2014 By Richard Mnk Crnwall Partners in Care August 2013 Page 1 f 6 CPIC mving frward This dcument has been created t help prvide a little

More information

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15

AMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15 AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc.

HIPAA Notice of Privacy Practices. Central Ohio Surgical Associates, Inc. HIPAA Ntice f Privacy Practices Central Ohi Surgical Assciates, Inc. THIS NOTICE OF PRIVACY PRACTICES (THE NOTICE ) DESCRIBES HOW HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN

More information

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

How To Tax An Hsa Distributin

How To Tax An Hsa Distributin Brught t yu by Haylr, Freyer & Cn, Inc. Health Savings Accunts (HSAs) Distributin Rules A Health Savings Accunt (HSA) is a trust r accunt used t pay medical expenses that a high deductible health plan

More information

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM

THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM THE CITY UNIVERSITY OF NEW YORK IDENTITY THEFT PREVENTION PROGRAM 1. Prgram Adptin The City University f New Yrk (the "University") develped this Identity Theft Preventin Prgram (the "Prgram") pursuant

More information

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES

Project Open Hand Atlanta. Health Insurance Portability and Accountability Act (HIPAA) NOTICE OF PRIVACY PRACTICES Prject Open Hand Atlanta Effective Date: April 14, 2003 Health Insurance Prtability and Accuntability Act (HIPAA) The Health Insurance Prtability and Accuntability Act f 1996 (HIPAA) directs health care

More information

CHECKING ACCOUNTS AND ATM TRANSACTIONS

CHECKING ACCOUNTS AND ATM TRANSACTIONS 1 Grades 6-8 Lessn 1 CHECKING ACCOUNTS AND ATM TRANSACTIONS Tpic t Teach: This lessn is intended fr middle schl students in sixth thrugh eighth grades during a frty minute time perid. The lessn teaches

More information

FAQs. Pick up the deceased and transport the body to the funeral home (anytime day or night)

FAQs. Pick up the deceased and transport the body to the funeral home (anytime day or night) FAQs Why have a Funeral? Funerals fill an imprtant rle fr thse murning the lss f a lved ne. By prviding surviving family and friends with an atmsphere f care and supprt in which t share thughts and feelings

More information

Executive Summary DIABETES MELLITUS AND GLUCOSE CONTROL BIOTECHNOLOGY INNOVATION IN DIABETES: INSULIN ANALOGS EXECUTIVE SUMMARY

Executive Summary DIABETES MELLITUS AND GLUCOSE CONTROL BIOTECHNOLOGY INNOVATION IN DIABETES: INSULIN ANALOGS EXECUTIVE SUMMARY Executive Summary DIABETES MELLITUS AND GLUCOSE CONTROL Diabetes is widely acknwledged as an immense and grwing public health prblem. The disease is assciated with increased risk f death, decreased quality

More information

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF

INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF QUESTION WE VE BEEN ASKED QB 15/09 INCOME TAX INSURANCE PERSONAL SICKNESS AND ACCIDENT INSURANCE TAKEN OUT BY EMPLOYEE WITH EMPLOYER PAYING THE PREMIUMS ON EMPLOYEE S BEHALF All legislative references

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices

Hampton Roads Orthopaedics & Sports Medicine. Notice of Privacy Practices This is being prvided t yu as a requirement f the privacy regulatins issued under the Health Insurance Prtability and Accuntability Act f 1996 (HIPAA). This ntice describes hw HROSM may use and disclse

More information

POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES

POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES M. PĘCIŁŁO Central Institute fr Labur Prtectin ul. Czerniakwska

More information

Hearing Loss Regulations Vendor information pack

Hearing Loss Regulations Vendor information pack Hearing Lss Regulatins Vendr infrmatin pack Nvember 2010 Implementing the Accident Cmpensatin (Apprtining Entitlements fr Hearing Lss) Regulatins 2010 The Minister fr ACC, the Hn. Dr Nick Smith, has annunced

More information

Internet and Social Media Solicitations: Wise Giving Tips

Internet and Social Media Solicitations: Wise Giving Tips Internet and Scial Media Slicitatins: Wise Giving Tips Charities use a wide variety f methds t slicit charitable dnatins. New and pwerful technlgies utilize nt just the internet and email, but als scial

More information

In addition to assisting with the disaster planning process, it is hoped this document will also::

In addition to assisting with the disaster planning process, it is hoped this document will also:: First Step f a Disaster Recver Analysis: Knwing What Yu Have and Hw t Get t it Ntes abut using this dcument: This free tl is ffered as a guide and starting pint. It is des nt cver all pssible business

More information

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272 LOUISIANA TECH UNIVERSITY Divisin f Student Financial Aid Pst Office Bx 7925 Rustn, LA 71272 Dear Financial Aid Applicant, Accrding t yur 2011-2012 Student Aid Reprt (SAR), yu did nt include any parental

More information

Aim The aim of a communication plan states the overall goal of the communication effort.

Aim The aim of a communication plan states the overall goal of the communication effort. Develping a Cmmunicatin Plan- Aim Aim The aim f a cmmunicatin plan states the verall gal f the cmmunicatin effrt. Determining the Aim Ask yurself r yur team what the verall gal f the cmmunicatin plan is.

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

Group Income Protection (GIP) Claim Case Studies

Group Income Protection (GIP) Claim Case Studies www.gruprisk.rg.uk Grup Incme Prtectin (GIP) Claim Case Studies What is GIP? GIP is a plicy taken ut by emplyers t cver their prmise t prvide sick pay t emplyees if illness r injury prevents them wrking

More information

Financial advisr & Consultant Surveys - A Review

Financial advisr & Consultant Surveys - A Review INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

FIRST STEPS NUTRITION TRUST

FIRST STEPS NUTRITION TRUST FIRST STEPS NUTRITION TRUST Safety advice fr infant milk preparatin: Vacuum flasks, cmbined frmula mixer and bttle insulatr and milk preparatin machines. March 2015 This statement ffers advice t prfessinals

More information

High Deductible Health Plan/ Health Savings Account Presentation

High Deductible Health Plan/ Health Savings Account Presentation High Deductible Health Plan/ Health Savings Accunt Presentatin WHY CHANGE? Future plan structured s emplyees will think and act differently Prmte preventin and getting healthier Prmtes cnsumerism Current

More information

PROPOSAL SUMMARY. The Boeing Company

PROPOSAL SUMMARY. The Boeing Company PROPOSAL SUMMARY The Being Cmpany Emplyees Represented by Sciety f Prfessinal Engineering Emplyees in Aerspace (SPEEA), Prfessinal and Technical Units January 8, 2016 ACTIVE MEDICAL, DENTAL, AND INSURANCE

More information

FREQUENTLY ASKED QUESTIONS (FAQs)

FREQUENTLY ASKED QUESTIONS (FAQs) EMPLOYMENT PRACTICES LIABILITY fr small businesses FREQUENTLY ASKED QUESTIONS (FAQs) What is Emplyment Practices Liability Insurance? Emplyment Practices Liability (EPL) insurance prtects an emplyer frm

More information

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate August 7, 2009 Cmparisn f the Cverage Prvisins in the Affrdable Health Chices Act as Apprved by the Senate HELP Cmmittee and the Huse Tri-Cmmittee Bill, H.R. 3200, America s Affrdable Health Chices Act

More information

Improved ADP and ACP Safe Harbor Plan Designs

Improved ADP and ACP Safe Harbor Plan Designs Imprtant Infrmatin Plan Administratin and Operatin April 2000* Imprved ADP and ACP Safe Harbr Plan Designs WHO'S AFFECTED This infrmatin applies t defined cntributin plans with a 401(k) feature r emplyer

More information

WINDOW REPLACEMENT Survey

WINDOW REPLACEMENT Survey WINDOW REPLACEMENT Prperty wners and develpers undertaking rehabilitatin prjects fr bth Tax Act Certificatin and Sectin 106 Cmpliance are encuraged t repair and retain existing histric windws. Hwever,

More information

Knowledge and Perceptions of Cord Blood Donation among Pregnant Women

Knowledge and Perceptions of Cord Blood Donation among Pregnant Women Knwledge and Perceptins f Crd Bld Dnatin amng Pregnant Wmen Crd bld is cllected frm an infant s umbilical crd after delivery. This methd pses n risk t the mther r infant. Mst ften the cells are discarded

More information

Protocol for Conducting a finger-prick Prostate Specific Antigen Test

Protocol for Conducting a finger-prick Prostate Specific Antigen Test Cancer Assciatin f Suth Africa (CANSA) Prtcl fr Cnducting a finger-prick Prstate Specific Antigen Test It has been apprved that staff in the varius CANSA Business Units may cnduct the fllwing finger-prick

More information

DALBAR Due Diligence: Trust, but Verify

DALBAR Due Diligence: Trust, but Verify BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can

More information

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The

More information

Medical Administrative Assistants / Medical Receptionists. An employment guide for newcomers to British Columbia

Medical Administrative Assistants / Medical Receptionists. An employment guide for newcomers to British Columbia Medical Administrative Assistants / Medical Receptinists Cntents 1. What Wuld I D?... 2 2. Am I Suited Fr This Jb?... 3 3. What Are The Wages And Benefits?... 4 4. What Is The Jb Outlk In BC?... 6 5. Hw

More information

Policy on Free and Open-source Software. Government Policy of Iceland

Policy on Free and Open-source Software. Government Policy of Iceland Plicy n Free and Open-surce Sftware Gvernment Plicy f Iceland Prime Minister s Office December 2007 Intrductin Free and pen-surce sftware is sftware based n a surce cde which the authrs chse t make public

More information

How To Create A Veteran Prgram

How To Create A Veteran Prgram Millin Veteran Prgram Part I: Develpment & Use f Database Jel Kupersmith, MD Chief Research & Develpment Officer Millin Veteran Prgram The Millin Veteran Prgram will create a genmic database ver 5-7 years

More information

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick;

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick; The Affrdable Care Act Health Insurance Respnsibilities f Large, Midsize & Small Emplyers; Buying Insurance n the Individual Health Insurance Marketplace and the Small Business Health Optins Prgram Intrductin:

More information

Australian Institute of Psychology. Human Research Ethics Committee. Terms of Reference

Australian Institute of Psychology. Human Research Ethics Committee. Terms of Reference Australian Institute f Psychlgy Human Research Ethics Cmmittee Terms f Reference What is research? Accrding t the Natinal Statement research... is widely understd t include at least investigatin undertaken

More information

Enrollee Health Assessment Program Implementation Guide and Best Practices

Enrollee Health Assessment Program Implementation Guide and Best Practices Enrllee Health Assessment Prgram Implementatin Guide and Best Practices March 2015 033129 (03-2015) This guide will help yu answer these questins: What is the Enrllee Health Assessment (EHA) prgram and

More information

How Checking Accounts Work

How Checking Accounts Work Hw Checking Accunts Wrk LESSON PREPARATION AND TEACHER INFORMATION Lessn Summary: This lessn is intended fr high schl students during a frty minute time perid. The lessn teaches students the purpse f a

More information

Reduce Your Homeowner Insurance Rates

Reduce Your Homeowner Insurance Rates Reduce Yur Hmewner Insurance Rates One f the mst frequent cmplaints I get frm my clients is the cntinued escalatin f hme insurance rates. Rates are increasing because f the years lng series f weatherrelated

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Existing insurance coverage

NAVIPLAN PREMIUM LEARNING GUIDE. Existing insurance coverage NAVIPLAN PREMIUM LEARNING GUIDE Existing insurance cverage Cntents Existing insurance cverage 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Enter yur clients existing life, disability,

More information

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006)

Marketing Consultancy Division (MCD) Export Consultancy Unit (ECU) Export in Focus. Export Market Expansion Strategies. Rabi-I, 1427 (April, 2006) Marketing Cnsultancy Divisin (MCD) Exprt Cnsultancy Unit (ECU) Exprt in Fcus Exprt Market Expansin Strategies Rabi-I, 1427 (April, 2006) 1 Exprt Market Expansin Strategies Intrductin It is clear that glbalizatin

More information

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS

IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS IMPORTANT INFORMATION ABOUT MEDICAL CARE FOR YOUR WORK-RELATED INJURY OR ILLNESS MEDICAL PROVIDER NETWORK (MPN) NOTIFICATION If yu are injured at wrk, Califrnia Law requires yur emplyer t prvide and pay

More information

Briefing 4 Inquests and the disclosure of information to the coroner

Briefing 4 Inquests and the disclosure of information to the coroner briefing February 2013 The Francis Reprt Briefing 4 Inquests and the disclsure f infrmatin t the crner Key chapters Key recmmendatins 2, 11, 14, 22 274, 45, 273, 282, 283, 17 There is a requirement nt

More information

MARKETING PLAN BY JESSICA FLETCHER JANUARY 20, 2015

MARKETING PLAN BY JESSICA FLETCHER JANUARY 20, 2015 MARKETING PLAN BY JESSICA FLETCHER JANUARY 20, 2015 TABLE OF CONTENTS GOALS... 3 KEY POINTS... 3 MARKETING AUDIT... 3 MARKET RESEARCH... 4 MARKET ANALYSIS... 4 COMPETITIVE RESEARCH... 4 SPT RESEARCH...5

More information

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

More information

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3 EEC Single Sign In (SSI) Applicatin The EEC Single Sign In (SSI) Single Sign In (SSI) is the secure, nline applicatin that cntrls access t all f the Department f Early Educatin and Care (EEC) web applicatins.

More information

Equal Pay Audit 2014 Summary

Equal Pay Audit 2014 Summary Equal Pay Audit 2014 Summary Abut the dcument The fllwing summary is an abridged versin f Ofcm s equal pay audit 2014. In the full versin f the reprt we set ut ur key findings, cmment n any issues arising

More information

CMS Eligibility Requirements Checklist for MSSP ACO Participation

CMS Eligibility Requirements Checklist for MSSP ACO Participation ATTACHMENT 1 CMS Eligibility Requirements Checklist fr MSSP ACO Participatin 1. General Eligibility Requirements ACO participants wrk tgether t manage and crdinate care fr Medicare fee-fr-service beneficiaries.

More information

ERISA Compliance FAQs: Fiduciary Responsibilities

ERISA Compliance FAQs: Fiduciary Responsibilities Brught t yu by Mrris & Reynlds Insurance ERISA Cmpliance FAQs: Fiduciary Respnsibilities The Emplyee Retirement Incme Security Act f 1974 (ERISA) is a federal law that sets minimum standards fr emplyee

More information

CTF-ENDORSED NF CLINICS: PRINCIPLES OF OPERATION

CTF-ENDORSED NF CLINICS: PRINCIPLES OF OPERATION Pilt Guidelines 2006 CTF-ENDORSED NF CLINICS: PRINCIPLES OF OPERATION Backgrund Children s Tumr Fundatin supprts research directed tward finding treatments fr neurfibrmatsis (NF) as well as effrts fcused

More information

NextGenJustice Florida attorneys have prepared the following Frequently Asked Questions to help you with your uncontested divorce.

NextGenJustice Florida attorneys have prepared the following Frequently Asked Questions to help you with your uncontested divorce. NextGenJustice Flrida attrneys have prepared the fllwing Frequently Asked Questins t help yu with yur uncntested divrce. Frequently asked questins abut yur uncntested Flrida divrce: Q. Hw lng will my divrce

More information

PART 6. Chapter 12. How to collect and use feedback from readers. Should you do audio or video recording of your sessions?

PART 6. Chapter 12. How to collect and use feedback from readers. Should you do audio or video recording of your sessions? TOOLKIT fr Making Written Material Clear and Effective SECTION 3: Methds fr testing written material with readers PART 6 Hw t cllect and use feedback frm readers Chapter 12 Shuld yu d audi r vide recrding

More information

Data Protection Policy & Procedure

Data Protection Policy & Procedure Data Prtectin Plicy & Prcedure Page 1 Prcnnect Marketing Data Prtectin Plicy V1.2 Data prtectin plicy Cntext and verview Key details Plicy prepared by: Adam Haycck Apprved by bard / management n: 01/01/2015

More information

Accident Investigation

Accident Investigation Accident Investigatin APPLICABLE STANDARD: 1960.29 EMPLOYEES AFFECTED: All emplyees WHAT IS IT? Accident investigatin is the prcess f determining the rt causes f accidents, n-the-jb injuries, prperty damage,

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Ntice f Prtectin Prvided by Utah Life and Health Insurance Guaranty Assciatin This ntice prvides a brief summary f the Utah Life and Health Insurance Guaranty Assciatin ("the Assciatin") and the prtectin

More information

A Guide to Understanding and Claiming the Disability Tax Credit:

A Guide to Understanding and Claiming the Disability Tax Credit: A Guide t Understanding and Claiming the Disability Tax Credit: The Gvernment f Canada ffers a variety f tax benefits t peple with disabilities. These benefits are prvided under the assumptin that peple

More information