House Bill 2622 would create a state-run workers' compensation insurance company, while failing …

House Bill 2622 would create a state-run workers’ compensation insurance company, while failing to address the real problems with Illinois’ workers’ compensation system – the most expensive in the region.

On Aug. 18, Gov. Bruce Rauner vetoed a bill that would’ve created a state-run workers’ compensation company. Proponents of the bill claimed the new state-run insurance provider would mitigate Illinois’ highest-in-the-region workers’ compensation costs.

But Rauner stated that the proposal “does nothing to address the actual cost drivers and broken aspects of our workers’ compensation system,” according to the Chicago Tribune.

House Bill 2622 would mandate the creation of the Illinois Employers Mutual Insurance Company, or IEMIC. The state-based provider would be a nonprofit started with a $10 million loan from the Illinois Workers’ Compensation Commission Operations Fund.

If passed, the measure would have the governor select the board of the IEMIC with Senate approval. At that point, the government-appointed board would hire a CEO to run the company.

Supporters of HB 2622 claim the creation of IEMIC would bring more competition to the workers’ compensation insurance market, forcing private sector insurers to drop rates. However, Illinois’ market is already competitive, and this is unlikely to remedy the state’s high workers’ compensation costs.

Illinois has more than 330 companies writing workers’ compensation insurance, more than any other state, according to a 2016 report by the Illinois Department of Insurance, or DOI. There’s also evidence from DOI that Illinois workers’ compensation insurers have slimmer profit margins than in other states. From 2010-2014, Illinois workers’ compensation insurance companies had average annual profit rates of 2.7 percent, far lower than the national average of 7.1 percent.

While increased competition is good for the market, the establishment of the state-run IEMIC would not bring down insurance costs because it does not tackle the massive cost drivers of Illinois’ workers’ compensation.

Currently, Illinois employers in certain industries can save 5 percent of their payroll costs by moving to Wisconsin, and 10 percent of payroll costs by moving to Indiana. For blue-collar work, this makes Illinois uncompetitive and costly. Companies such as Hoist Liftruck have left Illinois for this very reason.

If lawmakers truly want to lower the cost of workers’ compensation, they should embrace commonsense reforms that have brought down workers’ compensation costs in other states. Tying medical fee schedules to Medicare or private insurance reimbursement rates, reforming overly generous maximum and minimum wage replacement rates, getting rid of financial incentives for doctors to overprescribe certain medication such as painkillers, and instituting light-duty work programs could all help cut high workers’ compensation costs in the Land of Lincoln. This would make Illinois more competitive for attracting blue-collar jobs.

Lawmakers should consider these policy ideas if they are serious about reducing workers’ compensation costs, and pass on the IEMIC.

Source link

Iowans can sound off Saturday about 57% health insurance increases

Iowans facing health insurance premium increases of 57 percent or more will have a chance to air their grievances to the state’s insurance commissioner Saturday.

They’ll likely gain the commissioner’s sympathy, but not much relief.

Commissioner Doug Ommen has said that without federal intervention, there is little he can do to rein in skyrocketing premiums for individual health insurance policies.

Only one carrier, Medica, plans to sell such policies in Iowa next year, and it has proposed raising its rates by 57 percent. For many consumers who currently have such coverage from lower-cost carriers, the effective premium increase could be 100 percent, the commissioner has estimated.

The increases are slated to affect about 72,000 Iowans who buy their own insurance instead of obtaining it from an employer or from a government program, such as Medicare or Medicaid. A public hearing is to start at 10 a.m. Saturday at Mercy College of Health Sciences in Des Moines. Consumers also can participate via video systems set up at 6 locations around the state.

Medica originally proposed a 44 percent average increase in its Iowa premiums for next year. But it raised that level last week to 57 percent, citing President Trump’s threats to block billions of dollars in Affordable Care Act payments to help insurers cover deductibles and co-pays for moderate-income customers.

About 44,000 of the affected Iowans would be shielded from the staggering premium increases, because their incomes are low enough to qualify them for separate federal subsidies to help pay their premiums. But the other 28,000 affected consumers make too much money to qualify for the subsidies, so they would have to shoulder the entire cost.

Iowa Insurance Commissioner Doug Ommen.

Iowa Insurance Commissioner Doug Ommen. (Photo: Special to the Register)

Even before the hearing, complaints about the proposed increases have been flowing in to the insurance division’s website.

“We can barely make the monthly payment now, and any increase would be truly be a hardship, as we are living on a limited income. We must have health insurance, but we need to be able to afford it also,” one woman wrote.

Another woman wrote: “I can barely afford to pay for insurance now and if they are going to get an increase like that, it will be a decision between insurance, taxes, and food for some people. If they get that much this year, are they going to ask for more next year?”

Ommen will hold Saturday’s hearing while waiting to learn whether federal officials will approve his “stopgap” plan to shore up the state’s individual health-insurance market. He has predicted up to 22,000 consumers would drop their insurance under the current rules because they couldn’t afford premiums stretching past $30,000 annually.

Ommen’s plan would reroute some Affordable Care Act subsidies toward higher-income and younger customers. His plan also would reinstate a federally financed “reinsurance” program, which would shelter insurance carriers from the cost of customers with medical bills topping $100,000 per year. Ommen predicts his plan would lead to significantly lower premiums, which would encourage young, healthy Iowans to maintain insurance.

The commissioner said Tuesday that he was required to hold Saturday’s hearing under the assumption current Obamacare rules would remain in place. “We’re going down both tracks at once,” he said.

At Saturday’s hearing, the commissioner also will take comments on premium increases ranging up to 14 percent for nearly 40,000 Iowans who hold “grandfathered” or “grandmothered” policies from Wellmark Blue Cross & Blue Shield. Those policies were sold before the Affordable Care Act took effect in 2014.

The insurance commissioner considers public comments and independent experts’; reports before deciding whether to approve premium increase requests. 

The 10 a.m. hearing will be centered at Mercy College of Health Sciences, 928 Sixth Ave., Des Moines. Consumers also can participate via video-conferencing locations at the public libraries in Atlantic, Columbus Junction, Eldora, Spencer and West Union, and at Linn Hall of Kirkwood Community College in Cedar Rapids.

Read or Share this story:

Source link

Fulfill Evans attorney, Ogungbeje, reputed for ‘unpopular cases’

Lagos – Just whenever Nigerians believed no attorney will walk out to defend well known billionaire kidnapper, Chukwudumeme Onwuamadike a. e. a. Evans, Voice Olukoya Ogungbeje offers proven very.

Ogungbeje whom heads Lawflex Chambers and it is the Leader of Tone of voice Vanguard, walked out Wed.

Tone of voice Olukoya Ogungbeje

He or she grabbed the particular headlines when he filed a significant rights fit on behalf of Evans, by pulling the Inspector General associated with Police, plus 3 other people before analysis High Courtroom in Lagos over Evans alleged unlawful detention.

Joined up with as participants are the Nigeria Police Force, Office of Law enforcement Lagos Condition, and the Particular Anti-Robbery Team, Lagos Condition Police Order.

In his essential rights the particular confessed kidnapper is searching for a courtroom order leading the participants to instantly charge your pet to courtroom if there is any kind of case towards him.
He is within the alternative, searching for an purchase, compelling the particular respondents in order to immediately discharge him unconditionally in the lack of any offence warranting the charged.

Within the suit noticeable, FHC/L/CS/1012/2017, Evans is fighting that their continued detention by the participants since 06 10, with no charge, or even release upon bail is definitely an infringement in the fundamental legal rights.

He contended that the participants ought to possess charged your pet to courtroom in accordance with the particular provisions associated with Sections thirty-5 and thirty 6 of the Cosmetic.

It was additional argued which the alleged offence committed by applicant (Evans) are correspondingly intertwined using the constitutional shields as supplied under Areas 35 plus 36 from the Constitution.

Within a 27-paragraph affidavit in support of the particular motion deposed to simply by Evan’s dad, Stephen Onwuamadike, it was averred that the candidate has been exposed to media demo without any court’s order from the respondents.

Onwuamadike further averred that the mass media trial plus news orchestrated by the participants have continuing to generate responses in both printing and digital media without having his kid being provided fair listening to before the court associated with law.

The particular deponent furthermore averred that will since their son’s police arrest, all their family members have already been denied entry to him whilst media professionals have been given unfettered entry to him.

The newest suit is not assigned to the judge with no date continues to be fixed for your hearing.

Evans lawyer, exactly who identified themselves on Fb as Tone of voice Olukoya Ogungbeje had been involved with controversial situations in recent times.

Within April, he or she filed the suit inquiring the Federal government High Courtroom to stay process on the injury of dollar 43, 449, 947 (about N13billion), N23, 218, 500 and £27, 800 (about N10. 6 million) present in a flat within Ikoyi, Lagos.

He furthermore sought a good order leading the Financial and Monetary Crimes Payment (EFCC) in order to furnish the particular court having a report from the preliminary or even final analysis on the way to obtain the money, the owner, and exactly how the foreign currencies got into home.

Ogungbeje, inside a motion upon notice requested the courtroom not to purchase a permanent injury of the cash since there are promises and kitchen counter claims concerning its possession by the Streams State government as well as the National Cleverness Agency (NIA)and since the Government had setup the Osinbajo panel to get the truth in regards to the ownership from the money.

“This honourable courtroom has the natural jurisdiction below Section 6 (6)(b) from the Constitution in order to order plus direct comprehensive investigation at the sources of the particular monies, their particular owners, the particular owners from the Osborne Systems where the funds were discovered and how they will got into home.

The case failed to get anyplace as the cash was later on permanently given up to the Government.

Ogungbeje furthermore once submitted a match in Lagos in 2014 asking for the particular reinstatement associated with Murtala Nyako as chief excutive of Adamawa state. It was after Nyako was impeached by the condition assembly within July from the same 12 months and the loudspeaker of the condition assembly got taken over.

Once again, the case strike the stones.

Ogungbeje stated the Assembly’s alleged failing to assist Nyako individually with the impeachment notice broken his essential right to reasonable hearing because enshrined below Section thirty 6 of the 99 Constitution.

Following the court noticed arguments through parties plus judgment day fixed, Fintiri, through their lawyer, Key Wole Olanipekun (SAN) advised the determine not to provide the judgement.

The former Nigerian Bar Organization (NBA) chief executive prayed the particular court to put aside all of the proceedings carried out in the fit so far since his customers were not offered with the match in accordance with legislation.

According to your pet, the courtroom should hit out the whole action because the due procedure for law had not been followed.

Olanipekun, who was furthermore representing Mammadi and the Home of Set up, argued that this originating procedures were not correctly served in the clients.

Image: President Trump Hosts The Inaugural Law Enforcement Officers And First Responders Reception At The White House

F Agents Confront Trump’s Claims About Comey

Previous FBI Movie director James Comey was broadly admired simply by agents which worked pertaining to him, successful high ratings in unknown surveys intended for his ideals and dependability, even as he or she became involved in techniques over research related to the particular 2016 selection.

Comey had been fired in-may by Chief executive Donald Trump, who known as him the “showboat” along with a “grandstander, inch suggested this individual was inexperienced and defined the F as “in turmoil” below his management.

Afterwards, White-colored House spokesperson Sarah Huckabee Sanders mentioned she’;d discussed to “countless” FBI agencies who were pleased with Comey’;s elimination. “I possess heard from the large number of people who work at the particular FBI having said that they are happy with the president’s decision, ” she informed reporters.

The particular survey, launched by the F Wednesday, chemicals a different image.

Related: Schedule: What Resulted in FBI Movie director James Comey’s Firing

The particular agents, together with civilian F employees, had been questioned regarding Comey within March 2017, around the period Comey very first publicly verified that the F was checking out whether the Trump campaign colluded with Ruskies attempts in order to influence the particular 2016 political election. In account to Our elected representatives, Comey furthermore debunked Trump’;s claim that previous President Barack Obama acquired wiretapped Trump Tower. All those remarks designated a level in Comey’;s relationship along with Trump.

At that time, the upheaval over Comey’;s late-2016 general public statements regarding the FBI’;s übung of Hillary Clinton’;s utilization of a private e-mail server ─ which Clinton has said led to her beat ─ had been several months in past times.

Related: Wayne Comey, Ex-FBI Chief, Includes a Book Offer; Publication Arranged for Following Spring

The particular annual study asks real estate agents to price their movie director on a size of one in order to 5 upon various facets of his management and character. Anything over the 3. 6ty 8 average is known as a success.

Image: President Trump Hosts The Inaugural Law Enforcement Officers And First Responders Reception At The White House
President Jesse Trump plus then-FBI movie director James Comey in The month of january, before their particular relationship soured.