hahu herald · 2013. if not, i urge you to actually write down a business plan and keep it where...
TRANSCRIPT
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January 2013
Inside this issue:
President’s Message 2
NAHU Ad 3
401(k) Answers 4
Aflac Ad 5
Day at the Capitol 6
Ameriflex Ad 7
Humana Ad 8
Luncheon Menu
9
Holiday Bash Pictures 10
Calendar of Events 11
HR&P Ad 12
Board of Directors 13
Standard Life Ad 14
Education 15
Dental Select Ad 16
Inspirity Ad Disclaimer Ad Rates
17
NAHU Contest Winners 18
Membership Notes 19
CE Credit App Membership Application
20 21
A Monthly Publication of the Houston Association of Health Underwriters
HAHU HERALD
January Luncheon Speaker
Mark Bellman, RHU, SGS
United Healthcare Mark joined UnitedHealthcare as the Central Texas (San Antonio, Austin, and Waco) Vice President for Small Group Business (2-99) in February 2006. As of June 2012, Bellman assumed the role of Vice President of Small Business Sales and Account Management for the South Texas, adding Houston, Corpus Christi and the Rio Grande Valley to his territory. Prior to UHC, he worked with Humana for over four years in sales (Austin, Texas) and management (Tampa & Orlando, Florida) capacities with an emphasis on CDH plans. He was Humana’s CDH consultant of the year in 2005. He also worked for Great-West Life (Austin, Texas) from 1996 to 2000 selling self funded and 401(k) plans. He is a pioneer of the HB2015 underwriting process as well as the SB80 concept and products. Mark is an active participant in TAHU (Texas Association of Health Underwriters) and AAHU (Austin Association of Health Underwriters) Mark is the current 2nd Vice President on the TAHU Executive Committee for the 2011-2012 year. Mark is the President Elect of TAHU and will become President July of this year In 2004 Mark was honored with the TAHU Ken Martin Excellence in Communication and Journal-ism Award. In addition, in 2010 Mark was honored with the AAHU Shirley Hutzler Award. Mark has written education courses on a variety of subjects including Health Care Reform, Small Business Tax Credit Strategies, Senate Bill 80 qualified small business plans, Consumer Driven Health Plans, Self Funded plans, Healthy Texas, and Single Payer systems. He has conducted these courses to chapters across Texas as well as the TAHU state convention. Mark is also active with Health Alliance for Austin Musicians (HAAM) as a member of the HAAM Benefit Day committee and was a past Man of the Year candidate for the Leukemia and Lymphoma Society and a current board member. Mark is a graduate of The University of Texas at Austin, graduating with a B.A. in both Economics and Philosophy in 1993.
Course: Exchanges You Can Believe In --- Course #83209 Provider: United Healthcare --- Provider #37719 Educator: Mark Bellman, RHU, SGS
Credits: One hour of CE
Exchange You Can Believe In goes over the exchange model act which provides the framework and expectations of a state based public exchange. This course will also consider the potential affects a public exchange will have on the Texas small business insurance market.
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Page 2 HAHU Herald
From The President’ Desk
By
Craig Splawn
I hope this article finds our members recuperating
from the Christmas and New Year’s holidays and ready
and eager to get the new year started with a bang. I am
sure that a lot of you have already put together your business plan for
2013. If not, I urge you to actually write down a business plan and keep
it where you can see it on a daily basis. I don’t know about you, but for
me it is a case of “out of sight, out of mind”. Let’s have a year where
we can be proactive in our businesses and not reactive. I understand that
regardless of whether you are a broker, carrier representative, or third
party administrator, you are trying to figure out where you and your
business are going to fit into the Affordable Care Act and all of the
changes to our businesses that will need to take place as the new health-
care law is implemented.
I believe that is why we need each other and our members’ involve-
ment in HAHU, TAHU, and NAHU so that we can stay informed as to
what is going on both locally and
nationally that affects our ability to help our clients and continue to be
compensated for the work that we do for them. We travel to Austin on
the 22nd of this month to visit with our state legislators and express our
views on what the role of the insurance professional should be as they
implement the new health care law changes. I urge each of you to con-
sider taking the time to make the trip to Day at the Capitol, as we need
as many voices as we can muster so that we can make sure that our
views are heard.
In closing, I would like to ask each of you to be sure to contact any
of our board members with ideas that you may have for future luncheons
and events that will bring value to our members and clients.
Let’s go out and make it a great 2013!
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Owner Only Exemption
from PBGC Coverage By
Sadie Hooker
All defined benefit plans (including cash balance plans) are
covered by the PBGC unless the plan qualifies for a statutory
exemption from PBGC coverage. There is an exemption for
plans that cover only substantial owners. If a defined benefit
plan covers even one employee who is not a substantial owner, then the plan does not
qualify for this exemption.
In order to be a substantial owner, an individual must meet one of the following
requirements:
• Own 100% of an unincorporated trade or business
• Own directly or indirectly 10% or more of the capital interest in a partnership
• Own directly or indirectly 10% or more of the profit interest in a partnership
• Own more than 10% of the voting stock of a corporation
• Own stock representing more than 10% of a corporation’s value
In determining stock ownership, the ownership attribution rules used for determining controlled groups
apply. Under the controlled group ownership attribution rules, an owner’s spouse is treated as owning the stock
of the owner. Thus, the owner only exemption applies if all participants are substantial owners or spouses of
substantial owners. However, the child of a substantial owner is not generally attributed ownership, so if defined
benefit plan covers a substantial owner and his child, the plan is not exempt from PBGC coverage.
There are somDe other rules that are similar, but different for owners in the qualified plan arena. These
differences might lead to different reporting or testing requirements, but they do not necessarily change whether a
PBGC coverage exemption applies. First, certain owner-only plans are either exempt from filing a Form 5500 or
may file a Form 5500-EZ in lieu of the longer Form 5500-SF or Form 5500. A plan may file a Form 5500-EZ
instead of a Form 5500-SF/Form 5500 if the following requirements are met:
• The plan covers the 100% owner of an incorporated or incorporated business, or the plan covers only the
partners of a business partnership.
• The plan may additionally cover the spouse of an owner or partners.
• The plan may not cover any other employees.
Thus, to file a Form 5500-EZ, unlike the PBGC substantial owner exemption, there is no requirement that
each partner own more than 10% of the employer for a plan to be eligible to file a Form 5500-EZ in lieu of the
Form 5500-SF or Form 5500. Thus, not all plans that are eligible to file the Form 5500-EZ are exempt from
PBGC coverage..
Second, a 5% or more owner of an employer is considered a Highly Compensated Employee (HCE) for
nondiscrimination testing. The threshold for being an HCE and being a substantial owner are different. So, a
defined benefit plan that covers all HCEs is not necessarily exempt from PBGC coverage.
Third, when a PBGC covered plan terminates without enough assets to pay all benefits, the PBGC will
allow a majority owner to waive a portion of his benefit so that other participants will receive their entire
benefit. To be a majority owner, the participant must own 50% or more of the employer. The substantial owner
standard used to determine whether a plan is PBGC- covered is different from the majority owner standard used to
determine whether an owner in a PBGC-covered plan may waive his benefit.
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HAHU Herald Page 6
Day at the Capitol by
Marty Budinsky
On January 22nd members of TAHU, NAIFA and TALHI will meet in
Austin and have the opportunity to visit with legislators to discuss issues
affecting their clients. There have been over 300 bills pre filed before the start of this Legislative Session.
There are dozens of newly elected representatives who need to be educated, on the vital role of agents
and brokers. We will begin the day bright and early with a full breakfast buffet. Once breakfast is over,
we will load onto buses for meetings with legislators. After our morning meetings, we will then travel
back to the hotel for our lunch meeting. Attorney General Greg Abbott is the scheduled lunch speaker.
He led the way as Texas joined with several other states to challenge the constitutionality of the Patient
Protection and Affordable Care Act.
The deadline has passed for states to notify HHS if they are going to set up their own Health
Insurance Exchange. Governor Perry sent Secretary Kathleen Sebelius a letter on November 20th stating
Texas will not set up an Exchange. In the letter the Governor said, “This is a federally mandated
exchange with rules dictated by Washington.” Also in the letter, he added, ”It would not be fiscally
responsible to put hard working Texans on the hook for an unknown amount of money to operate a
system under which the rules have not even been written.”
Thank you, Governor Perry, for not subscribing to the same belief of some of the members of
Congress in Washington, who feel that they must pass Legislation just so we know what is in it! I am
thankful we have a Governor who strongly believes in states’ rights, especially where it comes to
regulation of insurance. As we start a new legislative year, it is essential we become involved in
promoting our industry. This Day at the Capitol is an excellent opportunity to have our voices heard.
Make plans to come and be part of the discussion.
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Your Ad Could Be Here!! Contact Crystal Hoffman
281-491-6565 or 713-253-4975
HAHU Herald
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Classifieds
HAHU posts – at no charge to members – job opportunities for our members on the HAHU website, www.hahu.org. Under ‘Resources,’ click on “Classifieds.” Ads are initially run for three weeks, but can be extended, so the ads should be current. We hope that all members needing employees will post their ads here, knowing that the applicants, as HAHU members, will be the cream of the crop. And members looking for a new position don’t have to rely on word of mouth or Internet postings, local newspaper
classifieds, etc. Check it out!
Tossed Salad
8oz Breaded Pork Chop
with Au Gratin Potatoes, Green Beans and Carrots
Or
Toscana Chicken
with Penne Pasta and French Cut Green Beans
DessertDessertDessertDessert
Chocolate Cappuccino Cake
Coffee & Tea
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Page 10
December “Holiday Bash” Photos
Page 10
Above, Dirk Blankenship & Kathi Sandler-winner of one of the many door prize draw-
ings.
To the left, Kay Nettles and Becky Stockstill Cobb
Below, Kathi Sandler and Jo Middleton
Below, Tom Cottar and guests enjoying the
Holiday Bash
To the left, Dirk awarding the
winner, Bill Shaw a gift card.
Below, Nelva Maxey-Toups and Sadie Hooker, probably discussing the future of insurance industry,
right?
To the right, another win-ner Pat Martin with Dirk
Blankenship,
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Calendar of Events
Page 11
January
8 4:00 PM HAHU Board Meeting 5433 Westheimer*
15 12:00 PM HAHU Luncheon The Hess Club*** 22 TAHU’S 19th Annual “Day at the Capital”
12 4:00 PM HAHU Board Meeting 5433 Westheimer* 19 12:00 PM HAHU Luncheon The Hess Club***
25-27 Capitol Conference - Hyatt Regency on Capitol Hill
12 4:00 PM HAHU Board Meeting 5433 Westheimer*
19 12:00 PM HAHU Luncheon The Hess Club***
*5433 Westheimer, Suite 740, Houston, TX 77056
*** The Hess Club, 5430 Westheimer, Houston, TX 77056
Register for any of these events at www.HAHU.org !
* All members are welcome to attend. Please check with Kathi Sandler regarding last minute changes to dates, times or location.
March
February
Lunch Sponsorship is a great way to Lunch Sponsorship is a great way to Lunch Sponsorship is a great way to Lunch Sponsorship is a great way to
“Show Your Stuff” “Show Your Stuff” “Show Your Stuff” “Show Your Stuff”
to the largest chapter in the Universeto the largest chapter in the Universeto the largest chapter in the Universeto the largest chapter in the Universe
UUUU
Lunch Sponsorship Package: Lunch Sponsorship Package: Lunch Sponsorship Package: Lunch Sponsorship Package: Includes strategically located table to display your lit-erature, a 3-5 minute commercial during the luncheon, one lunch, an opportunity to offer a door prize, a newsletter stuffer AND a banner on the new HAHU Website!
All of this for only $300! All of this for only $300! All of this for only $300! All of this for only $300! For more information contact:
Crystal Hoffman at [email protected]
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Houston Association of Health Underwriters
Board of Directors and Committees
President W. Craig Splawn 713.785.3290 [email protected]
President-Elect Jeff Bacot 713.446.7011 [email protected]
1st Vice President Jo Middleton 713.932.7777 [email protected]
2nd Vice President Stacey Bevil 832.651.0733 [email protected]
Secretary Nelva Toups Maxey 713.725.2139 [email protected]
Treasurer Sadie Hooker 832.971.8890 [email protected]
Media Michael Ledgerwood 832.687.0061 [email protected]
Awards Terry Bodkin Agris 281.630.2361 [email protected]
Communication Connie Carter 409.350.9598 [email protected]
Legislation – State Tom Cottar 713.545.1046 [email protected]
Legislation – Federal Marty Budinsky 281.799.6298 [email protected]
Membership Sarah Kramer 713.805.3323 [email protected]
Special Events Dirk Blankenship 713.582.6140 [email protected]
Marketing Crystal Hoffman 713.253.4975 [email protected]
Professional Development Kay Nettles 713.882.3621 [email protected]
Political Action Lee Ann Gibson 832.696.2988 [email protected]
Technology Kerry Kolb 713.416.1005 [email protected]
Public Service Kevin Roblyer 281.744.6542 [email protected]
Past President Terrell Rogers 713.775.8669 [email protected]
Trustee Don Jones 713.825.7816 [email protected]
Trustee Lonnie Klene 713.205.7034 [email protected]
Executive Director Kathi Sandler 713.443.9447 [email protected]
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January Luncheon CE We now have CE available online through Comedy CE
Go to http://comedyce.com/shop/comedyclub-hahu-members/ and register as a
HAHU member to receive a discounted annual membership rate of $80 compared
to the regular price of $100. The annual membership gives you unlimited CE via
the web and additional discounts on live events. Check it out today!!!
Association CE Credit
Many agents may not know that up to four hours of continuing education credit can be earned by an agent who is an active member of a state or national insurance association. For information about how the credit can be earned, you can review Chapter 4004.0535 of the Texas Insurance Code and §19.1011 and new §19.1020 of the Texas Administrative Code. The form can be found at: http://www.tdi.texas.gov/forms/lhllicensing/LHL617reqassocc.pdf and on page 20 of this newsletter.
REMINDER:
You must have your Agents License Number and Renewal Date to receive credit for CE. Please carry your license or at least place your number and renewal date in your cell phone so you can retrieve it. NO number and renewal date, NO CE Credit! We will not look up your number for you!
**Check Sircon.com for info on your CE credits—What you have and what you
need! Education Requests and Ideas:
Please forward any requests and suggestions for desired CE topics and speakers to [email protected]. Our goal is to provide you meaningful, exciting, and relevant speakers and topics. Your input is valuable in helping us achieve that goal.
Thank You to our Luncheon Sponsor Airrosti Rehab Centers
Education By Kay Nettles
Airrosti is a healthcare provider group committed to delivering high quality care
and consistent outcomes for musculoskeletal injuries and conditions. Through a
disciplined, evidence based approach, Airrosti providers are able to prevent
unnecessary imaging, pharmaceuticals, injections, and surgeries while resolving most
conditions in an average of 3 visits. We partner with employers to reduce healthcare
spend,
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Happy New Year
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First Name Last Name Company Sponsor
Kim Smith Aflac Crystal Hoffman
Kathy Hulsey Healthcare Consultants David Neider
William Downs BCBS of Texas - Small Market Sales Denise Kawas
Peggy Price McNeil Friedman Denise Kawas
Jessica Myers Bashaw & Atherton Don Atherton
Katherine Tatar Guardian Life Insurance Co. Dr. William Ben Keel Jr.
Laura Glaze Texas Associates Insurors Jeffrey Bacot
Ajith John Wheatstone Resource Group LLC Jeffrey Bacot
Lea Ann Gibson HR & P Kevin Roblyer
Jeffrey Barry Barry Insurance Group Kevin Roblyer
Donna Vogler North America Dental Plans, Inc. Kevin Roblyer
Eric Burrows Benefit Concepts Kimberly Cooke
Thomas Ehrig Benefit Concepts Kimberly Cooke
Susan Hammons Benefit Concepts, Inc. Kimberly Cooke
Alex Clamon Moody Insurance Group Lonnie Klene
Cynthia Siebold Klene & Bratsakis Lonnie Klene
Laura Wortham The Hartford Marty Budinsky
Tanisha Ramey Humana Inc Marty Budinsky
Jennifer Buzbee USI Rebecca Clark
Carter Freeman The Freeman Agency Sadie Hooker
Shanta Dronamraju Benefits Solution Sarah Kramer
Cooper Kinney Zurich Sarah Kramer
Dawn Hallaman Ameritas Sarah Kramer
Paul Sidello PBS Benefits Sarah Kramer
Lisa Munoz M Health Stacey Bevil
Michelle Schneider MHealth Stacey Bevil
Paul Teichert MHealth Stacey Bevil
Misty Carrion ProSource Management Solutions Susan F. Burdette
Ann Cook Kelsey-Seybold Clinic Tom Cottar
Frederick Goerges Kelsey-Seybold Clinic Tom Cottar
Stephen Holmes Humana Tom Cottar
T. Hoovestol IFSTX LTD Tom Cottar
Patti Nelson Legalshield Toni Foster
David Denure Entrust Inc Valerie Bagwell
Dixie Gunning Entrust Inc Valerie Bagwell
David Jacobson Entrust Inc Valerie Bagwell
Roberto Pflaumer Entrust Inc Valerie Bagwell
Jackie Rangel Splawn and Associates Craig Splawn
Alicia Cannon Flex Corp, a BPAS company Craig Splawn
Richard Cegielski Allstate Benefits Craig Splawn
NAHU FREE DUES CONTEST IS BACK Congratulations to the Winners of the Free Membership from NAHU
for sponsoring 4 New Members since July 2012 Valerie Bagwell
Tom Cottar Sarah Kramer
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Membership Notes
Welcome New Members:
Happy Anniversary to the following Members:
Page 20
First Name Last Name Company Sponsor
Ann Cook Kelsey-Seybold Clinic Tom Cottar
Frederick Goerges Kelsey-Seybold Clinic Tom Cottar
Cynthia Siebold Klene & Bratsakis Lonnie Klene
Kim Smith Aflac Crystal Hoffman
First Name Last Name Company Join Date Sponsor
Amy Armbruster-Mathis Aetna 1/31/2006 Kerstin Kornblum
Peter Dutka Humana 1/28/2004 Patricia Martin
William Fisher Benefit Specialists, Inc 1/28/2004 Rand Wall
Malana Hearn Talon Insurence Agency 1/12/2010 Tom Cottar
Kandice Horton United Healthcare 1/25/2008 Nicole Scott
Michael Muhs Sun Life 1/29/2010 Lonnie Klene
James Neff The Insurance Guy 1/21/2008 Judith Smith
Terrell Rogers United Healthcare 1/28/2004 Warren Kolb
New Member Contest for January
Ring in the New Year with a New Member
Sponsor a New Member between December 26- January 21, 2013
And your name goes into a drawing for a $50 American Express Gift Card
Donated by Lonnie Klene of Klene and Bratsakis
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