June 29, 2009 – Newsletter

Posted on: June 29th, 2009 by admin No Comments

Health Reform

You’d have to be living under a rock to not be aware that the Obama administration is currently pushing for some major changes to the U.S. Health Care System! And, of course, Benefits by Design is following along closely to what is transpiring.

We are all aware that there are many problems and frustrations with our current healthcare system. We have been working for years behind the scenes to try to help with issues relating to the uninsured and so forth. No one knows what the perfect solution is at this point, but we can all agree, some changes must be made! However, one change that will destroy the level of care that we all have come to expect is a government run system.

One of the main reasons we do not support a government run health system is that the role of the agent and broker would be drastically reduced or eliminated, to the detriment of small employers and individuals! We know that we provide a valuable service to our clients! Please take some time to share this website with any colleagues, friends or family who do not completely understand the important role of agents! www.brokersmakingadifference.org

At this point, it’s nearly impossible to predict what the legislation will entail, but one thing is certain, things are going to change!

In case you didn’t know, Kristine and Jennifer are both current members and past State Presidents (along with various other board positions) of our trade association (much like the AMA is for doctors) called NAHU (www.nahu.org). They have a big presence in Washington DC and luckily have been asked to be at the table for much of what has been going on. We are very supportive of their efforts and may even be calling on you at some point for assistance. We are also proud to announce that our new team member, Juli Quain will be attending a Washington DC “Fly In” mid-July to participate in lobbying efforts to Senate and Congress! Juli has recently been elected President of NAIFA-Scottsdale (www.naifa.org), another trade association that we support.

Please feel free to call us if you ever have any questions or concerns as to what is happening.
Brokers Making a Difference

Benefits by Design Welcomes Newest Team Member
….Juliana Quain!
Please help us welcome the newest member to our team, Juli Quain.

Juli’s focus is going to be on marketing and selling Long Term Care, Medicare and other speciatly products such as life and disability insurance for business owners.

Juli entered the Insurance industry in 1998, after four years as a Combat Paramedic in the U.S. Army. Over the years she wore numerous hats as a lead policy analyst, field underwriter, trainer and product specialist. In April of 2009 she joined Benefits by Design focusing on Individual Long Term Care Insurance, Medicare products, Life Insurance, Disability and Business Overhead Expense coverage. She is currently the President of the Scottsdale Chapter of the National Association of Insurance and Financial Advisors (NAIFA), a member of numerous trade and community groups and holds her professional designation as a Certified Professional in Long Term Care matters.

Kristine Kassel Awarded NAWBO President’s Choice Award!
June 3, 2009
Wednesday, June 3, 2009, Kristine was presented with NAWBO’s President’s Choice Award for her outstanding volunteer work over the years. Kristine has been a member of NAWBO since 2002 and has served on the board in various positions throughout this time. “It really is an honor to be a part of such an energizing organization and to be recognized by my peers, ” said Kristine.

NAWBO is the only dues-based national organization representing the interests of all women entrepreneurs in all industries. It currently has over 8,000 members in more than 80 chapters nationwide. This association of woman business owners is dedicated to assisting women to achieve success by uniting in common goals, promoting leadership, developing entrepreneurial skills and business acumen, and advocating and influencing public policy affecting women in business.

Please let Kristine know if you would like more information on NAWBO!

Client Spotlight
Sindel Technology Solutions
Today, protecting your data is more important than ever. If you lose access to your information due to a failure you are literally unable to work. The most important investment you can make on your network is to keep it maintained. By maintained we mean:

  • Backing up your data and making sure it’s recoverable.
  • Having the most recent updates and patches.
  • Develop and follow security policies.
  • Make sure your network is completely documented and your equipment and software are accounted for.

Proper maintenance of your network can prolong the life of your hardware delaying costly equipment purchases.

Sindel Technology Solutions designs, implements, and manages I.T. for small businesses. Our highly trained professionals are ready to assist your company in the design, installation, and support of your company’s technology.

Call us today! Del Martinez Co-Founder, VP Sales and Product Development Bus. 480-968-5006 ext. 103

Did you know that Benefits by Design can help with Medicare policies?
If you or someone you know is on Medicare and have purchased or are thinking of purchasing a Medicare supplement or advantage plan, they ought to be working with a trustworthy & knowledgeable broker.

Please let us know if we can help!

Please call Julianna Quain at our office for more information or for a quote! 480-831-7700

IRS Releases 2010 HSA Contribution Limits
The IRS has released the 2010 cost-of-living adjustments for HSA contribution limits and for HDHP deductibles and out-of-pocket maximums, in Revenue Procedure 2009-29.

  • HSA Contribution Limits: The 2010 annual HSA contribution limit for individuals with self-only HDHP coverage is $3,050 (up $50 from 2009) and for individuals with family HDHP coverage is $6,150 (up $200 from 2009).
  • HDHP Minimum Required Deductibles: The 2010 minimum annual deductible for self-only HDHP coverage is $1,200 (up $50 from 2009) and for family HDHP coverage is $2,400 (up $100 from 2009).
  • HDHP Out-of-Pocket Maximum: The 2010 maximum limit on out-of-pocket expenses (including items such as deductibles, co-payments, and co- insurance, but not premiums) for self-only HDHP coverage is $5,950 (up $150 from 2009) and for family HDHP coverage is $11,900 (up $300 from 2009).

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