2014 Calendar of Events - NAIFA Columbus

 

Wednesday, March 19, 2014

NAIFA-COLUMBUS MEMBERSHIP BREAKFAST
8:00 a.m. - 9:15 a.m.
Cost: FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

CE SEMINAR (offering 2 hours of CE credit)
9:30 a.m. - 11:30 a.m.
Cost: FREE for NAIFA-Columbus Members / $35 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

Wednesday, April 16, 2014

CE SEMINAR on CHARITABLE GIVING (offering 2 hours of CE credit)
9:00 a.m. - 11:00 a.m.
Cost: FREE for NAIFA-Columbus Members / $35 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

NAIFA-COLUMBUS MEMBERSHIP LUNCHEON
11:30 a.m. - 1:00 p.m.
Cost: FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 430

Wednesday, May 21, 2014

CE SEMINAR (offering 2 hours of CE credit)
9:00 a.m. - 11:00 a.m.
Cost: FREE for NAIFA-Columbus Members / $35 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

NAIFA-COLUMBUS I. DAVID COHEN LIFETIME ACHIEVEMENT AWARD LUNCHEON
11:30 a.m. - 1:00 p.m.
Cost: FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

Wednesday, September 17, 2014

CE SEMINAR (offering 2 hours of CE credit)
9:00 a.m. - 11:00 a.m.
Cost: FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

NAIFA-COLUMBUS MEMBERSHIP LUNCHEON
11:30 a.m. - 1:00 p.m.
Cost: FREE for NAIFA-Columbus Members / $25 for Guests or Non-Members
Location: J. Liu Restaurant, 6880 N. High Street, Worthington 43085

Member Services

Aaron Forbes
Member Services Committee Chair

Have you ever visited the NAIFA Virtual Library?

Did you know that as a member of NAIFA you receive all of the benefits in this library free?

Resources include client presentations, planning tools, tax information, fact finders, along with many other resources to help you keep your clients and prospects informed. In addition to consumer facing materials at the bottom of the page there is a New Professional Practice section to help you build a strong practice at any stage of your career.

Check out the many helpful sections at the NAIFA Virtual Library today!

 

New mEMBERs

Welcome goes to the following new members.

Greg Beavers, CLTC
Bankers Life and Casualty

Jason C. Brandon
Farmers Insurance

Rich Galzarano
21st Century Financial

David Kopelcheck
The Rucker Company

John M. Kwasnik, CLTC, LUTCF
Bankers Life / Proequities

Christopher Todd Painter
Northwestern Mutual - The Kemelgor Financial Group

 

Join NAIFA-Columbus

Join NAIFA-Columbus


March 2014 Meeting

NAIFA Membership Breakfast and CE Seminar

Wednesday, March 19, 2014
8:00 a.m. – 11:30 a.m.
J. Liu Restaurant, 6880 N. High Street, Worthington OH

Membership Breakfast Meeting 

The State of The Disability Industry
Time: 8:00 a.m. – 9:15 a.m.
Speaker: George Wilkins, Guardian Life/Bershire Life

Free for NAIFA-Columbus Members / $25 for Non-Members/Guests  - Register: 740.879.4456

George Wilkins received his BA from Westminster College in Economics and Business Administration. George accepted the position of Mid-Central Regional IDI Wholesaler with Berkshire Life/ Guardian Life in January 2009. Prior to Berkshire Life, George joined MassMutual’s Disability Income insurance market back in May 1999. His total focus is the non-cancelable individual Disability Income insurance market (individual, small business and worksite). Prior to getting into the financial service’s industry, George spent 21 years in retail sales management with Tandy Corporation (9 years) as Store Director and OfficeMax (12 years) as the Regional Store Trainer and Store Director. George is actively involved in assisting General Agents, Disability Income Specialists, Guardian FR’s and brokers grow their Disability Income product line. He has attended several Industry conferences and qualified for DI Sales Conferences throughout his career. He is passionate about insuring client’s most valuable individual asset...their ability to generate income. He has been a member of the Kansas City Life Underwriters Association (NAFIA) for eleven years – LUTC chair 2004; Program Chair 2005; Secretary/Treasurer 2006, 2007, 2008 and is currently a board member 2009-2014. George has been married for twenty -six years and has two daughters, ages 23 and 20.

CE Seminar - Offering 2 Hours of CE Credit

Time: 9:30 a.m. – 11:30 a.m
Speakers: Brian Cahal and Kevin Quinn, Principal Financial Group

Hour #1: “Trends in the Medical Market and What They Mean to the IDI Producer”
Hour #2 “Trends in the Dental Market and What They Mean to the IDI Producer”

Free for NAIFA-Columbus Members / $35 for Non-Members/Guests  - Register: 740.879.4456

Speaker: George Wilkins, Guardian Life/Bershire Life

The first hour titled “Trends in the Medical Market and What they Mean to the IDI Producer” will cover the following:

  • Understand the major trends in the changes and restructuring of the healthcare industry
  • Identify areas of growth in the population of non-physician providers
  • Identify market opportunities and median annual income for healthcare providers
  • Understand selected career beliefs and awareness about disability and individual disability insurance of mid-level healthcare providers
  • Understand differences in career beliefs of non-surgical physicians vs. surgeons
  • Identify levels of awareness about disability and individual disability insurance of physicians as employees and business owners

The second hour titled “Trends in the Dental Market and What they Mean to the IDI Producer” will cover the following:

  • Understand the major trends in the changes and restructuring of the dental industry
  • Identify areas of growth in the population of mid-level providers
  • Identify market opportunities by understanding changing economic and financial concerns for dental provide
  • Understand individual disability product design solutions and how they apply in a changing dental market

    Sponsored by:

    


National Committee Report

Cort Bradbury, National Committee-person

Cort Bradbury

NAIFA GovTalk

NAIFS'S Unique Franchise...voters, taxpayers, job creators in every state and district



Administration Partially Delays ACA Employer Mandate Penalties for Second Year
 

Issue: Health Insurance (Employer Penalties)

Date: February 11, 2014

Action Taken: On February 10, the Treasury Department issued final regulations implementing the Affordable Care Act’s (ACA) employer responsibility rules. The final regulations provide conditional penalty delays for 2014 and, in some cases, for 2015 – marking the second year of delays for some provisions.

For employers with 50 to 100 full-time equivalent workers, the employer responsibility provisions will not apply until 2016, provided that employers taking advantage of this relief certify to the Treasury that:

  • They are not reducing the size of their workforces or the overall hours of service of their employees between February 9, 2014 and December 31, 2014, and;
  • They are not eliminating or materially reducing the health coverage, if any, offered as of February 9, 2014. The final regulations provide rules and examples as to what constitutes “material reduction” of health insurance coverage.

For employers with more than 100 full-time employees, qualified affordable coverage must be offered to full-time employees in 2015, but there will be no assessment in 2015 if affordable, qualified health insurance is offered to at least 70 percent of their full-time employees. As of 2016, the qualified, affordable coverage must be offered to at least 95 percent of all full-time employees to avoid triggering the need to calculate whether there will be an assessment.

The regulations also defined other general provisions of the employer responsibility rule and delay, including calculations to determine an employee’s full-time status, safe-harbors to determine an employee’s contribution, employer obligations to provide dependent coverage, among others. Additional summary information is available in the U.S. Treasury Department Fact Sheet, which can be found here.

Background: On July 2, 2013, the Administration previously delayed employer penalties through 2014. The regulations released this week clarify and build upon this previous delay. This most recent delay is just one in a long line of delays in ACA implementation, stretching back to February 2013.

Provisional Delays to the Affordable Care Act Implementation (as of 2/11/14)

PROVISION DELAYED

DELAY ANNOUNCED

ORIGINAL
EFFECTIVE DATE

DELAYED
EFFECTIVE DATE

Rules governing and implementation of the
Medicaid-like Basic Health Program (BHP) delayed

2/8/2013

1/1/2014

1/1/2015

Out-of-pocket dollar maximums for consumers delayed

2/2013

1/1/2014

1/1/2015

SHOP exchange delays plan options, limiting
businesses to one available plan for 2014

4/1/2013

1/1/2014

1/1/2015

Employer mandate penalty delay for not
offering qualified coverage

7/2/2013

1/1/2014

1/1/2015

Launching of federal SHOP exchange delayed one month

9/26/2013

10/1/2013

11/31/2013

Individuals granted application grace
period for open enrollment

10/23/2013

2/15/2014

3/31/2014

Insurers allowed to temporarily reinstate
cancelled plans not meeting ACA standards

11/14/2013

1/1/2014

1/1/2015

Individual application grace period for coverage
beginning January 1, 2014

11/22/2013

12/15/2013

12/23/2013

Beginning of 2014 open enrollment season delayed

11/22/2013

10/15/2014

11/15/2014

Launching of online federal SHOP exchange
delayed for second time

11/27/13

11/31/2013*

11/2014

Administration urges insurers to allow additional time for consumers to pay first month premiums

12/12/2013

12/31/2013

1/10/2014

State preexisting condition risk pool program (PCIP)
phase out delayed

12/12/2013

12/31/2013

1/31/2014

Individuals with cancelled policies allowed to purchase catastrophic coverage, avoid penalties for 2014

12/19/2013

1/1/2014

1/1/2015

Individual application grace period for coverage beginning January 1, 2014 extended for one day

12/23/2013

12/23/2013*

12/24/2014

Individuals demonstrating enrollment difficulties for coverage beginning
January 1, 2014 eligible for “special enrollment period” of unspecified length

12/24/2013

12/24/2013*

---

State preexisting condition risk pool program (PCIP)
phase out delayed for second time

1/14/2014

1/31/2014*

3/31/2014

Employer mandate penalty for not offering qualified
coverage partially delayed for second time

2/10/2014

1/1/2015*

1/1/2016

*Indicates previously revised date

Next Step: As difficulties and delays with ACA implementation continue, opportunities for legislative and regulatory reform present themselves. NAIFA and its coalition partners have increased pressure to implement commonsense revisions to the law that benefit agents and consumers. You can track progress with the law’s rollout, learn more about NAIFA’s policy reform proposals, and access resources at NAIFA’s ACA microsite found at www.naifa.org/aca.

NAIFA Staff Contact: Diane Boyle, Vice President – Federal Government Relations, at dboyle@naifa.org; Kyle Kunkler, Program Manager – Federal Government Relations, at kkunkler@naifa.org.



Ohio BWC

Workers Compensation Group Rating Program

By: Ohio Bureau of Workers’ Compensation

The Ohio Bureau of Workers’ Compensation has created Destination: Excellence, their package of programs to help employers prevent workplace injuries and return injured workers back to the job as safely and quickly as possible while potentially saving on workers’ compensation costs.

Below, you’ll find a link to an introductory video that the Ohio Bureau of Workers’ Compensation has produced about Destination: Excellence. They are currently in an enrollment period for many of the Destination: Excellence programs.

The link to the video is here: http://youtu.be/SduxnIqCOcQ.

 


Community Service Committee

By: Robert H. Johnson III
Community Services Chairperson


CLEAN YOUR OFFICE! 

FREE eRecycling

Date: Wednesday, April 16, 2014 (during our upcoming CE seminar and Luncheon meeting)
Time: 10:00 am to 2:00 pm
Place: J. Liu Restaurant, 6880 N. High Street, Worthington OH

We will accept and recycle computers (hard drives will be wiped clean, free of charge), printers, cell phones, washers, dryers, cables, wires, TVs, and projectors at no cost.

We will not accept so please do not bring old style tube TVs, air conditioners or dehumidifiers.

Recycling provided by Ohio Drop Off.

 

January Membership Meeting Highlights

 

On January 15th, NAIFA-Columbus held a Membership Breakfast Meeting at J. Liu Restaurant in Worthington. During this breakfast, Brady Green with JP Morgan Chase discussed “General Market Update.” He shared insights on today’s most critical economic and investment topics. He highlighted the newest pages of the Q1 Guide to the Markets, discussed the current market environment and shared the J.P. Morgan Asset Management market outlook.

President Duane Borcherding gave his President’s Message; Cort Bradbury provided a PAC/PIC Committee Report; and Matt Ferris gave a report on the IFAPAC Reception.

 

Jan-Photos-1

 

NAIFA Quality Awards were presented to the following members:

    1 YEAR – Gary Griffin Thrivent Financial for Lutherans
    1 YEAR – Paul Hensley Northwestern Mutual
    1 YEAR – Jessica Hughes NMFN - Kemelgor Financial Group
    1 YEAR – Brandon McIntyre NMFN - Kemelgor Financial Group
    1 YEAR – Shawn Phelps NMFN - Kemelgor Financial Group
    1 YEAR – David Ritter Thrivent Financial for Lutherans
    1 YEAR – Romney Willman Thrivent Financial for Lutherans
  2 YEARS – Matthew Beeghley NMFN - Kemelgor Financial Group
  2 YEARS – Adam Edwards NMFN - Kemelgor Financial Group
  2 YEARS – Christopher Moore Northwestern Mutual
  4 YEARS – Lori Seckel Modern Woodmen of America
  5 YEARS – Jonathan Cross NMFN - Kemelgor Financial Group
  5 YEARS – Ryan Johnson NMFN - Kemelgor Financial Group
  5 YEARS – Troy Kemelgor NMFN - Kemelgor Financial Group
  6 YEARS – Travis Falk NMFN - Kemelgor Financial Group
  6 YEARS – Terrance Lumpkins, Sr. NMFN - Kemelgor Financial Group
  6 YEARS – Brandon Smith NMFN - Kemelgor Financial Group
  7 YEARS – Brett Bumgarner NMFN - Kemelgor Financial Group
  7 YEARS – Michael Cohen NMFN - Kemelgor Financial Group
  7 YEARS – Jared Dosch NMFN - Kemelgor Financial Group
  8 YEARS – Daniel Neary NMFN - Kemelgor Financial Group
  9 YEARS – Jeffrey Ritter Thrivent Financial for Lutherans
12 YEARS – Alberta Lewis Modern Woodmen of America
13 YEARS – William Gibson Thrivent Financial for Lutherans
15 YEARS – John Brush NMFN - Kemelgor Financial Group
16 YEARS – Louise Fleming NMFN - Kemelgor Financial Group
20 YEARS – Michael Silberstein NMFN - Kemelgor Financial Group
23 YEARS – Douglas Eastman NMFN - Kemelgor Financial Group
27 YEARS – Allan Lepley NMFN - Kemelgor Financial Group
28 YEARS – Ralph Williamson NMFN - Kemelgor Financial Group
29 YEARS – James Hayden NMFN - Kemelgor Financial Group
30 YEARS – Frank Dosch NMFN - Kemelgor Financial Group
32 YEARS – Gregg Kearns NMFN - Kemelgor Financial Group
37 YEARS – Daniel Snow NMFN - Kemelgor Financial Group
42 YEARS – Robert Roach NMFN - Kemelgor Financial Group

 

A two-hour CE seminar was held following this breakfast from 9:30 am to 11:30 am. Brian Cahal with Principal Financial Group discussed “Qualified Retirement Plan Solutions to Benefit Key Employees” and Kevin Quinn with Principal Financial Group discussed “Solutions for the Highly Compensated.”

Thank you to our breakfast sponsor, APPS Para Medical Services.