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Walt Bernard Podgurski,  Editor,  440-773-1108, 

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Editorial Mission Statement: The goal of this publication is to provide readers a broad selection of what is being written about the insurance industry and related issues. Some articles may have a “tilt” towards a particular perspective one way or another. Inclusion in this newsletter is not an endorsement of any views or content; but report the various and differing views appearing in media.
  Tuesday, 07/09/19 - https://DailyInsuranceReport.com 

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Appeals court to weigh Obamacare as case looms over 2020 healthcare debate
by Kimberly Leonard / Washington Examiner

Obamacare faces a three-judge panel Tuesday in New Orleans that will weigh whether the healthcare law is unconstitutional and should be struck down.

The timing of the case means that a decision from the court, and a potential appeal to the Supreme Court after that, could bring Obamacare's future to the center of political debate ahead of the 2020 presidential election. Such an outcome would put President Trump on the spot to argue his vision for an alternative while congressional Democrats would accuse Republicans of being uncommitted to Obamacare's protections for the sick, as they did ahead of the 2018 midterm elections.

The lawsuit, Texas v. United States, has the support of the Trump administration and was waged by Republican state officials who say that Obamacare must be thrown out as a result of the law's fine on the uninsured being zeroed out in the 2017 tax law. They argue that the fine, known as the "individual mandate," was central to making the rest of the law work and that without it the entire law should crumble.

The case heads Tuesday to the 5th Circuit Court of Appeals, which is considered one of the most conservative appeals courts in the U.S. Judges Carolyn Dineen King, Jennifer Walker Elrod, and Kurt Engelhardt will hear the oral arguments. They are appointees of President Jimmy Carter, President George W. Bush, and Trump, respectively.

UnitedHealthcare launches hearing insurance
By Kayla Webster / ebn

Benefit provider UnitedHealthcare expanded its voluntary offerings to include hearing care, the company announced Thursday.

All of UnitedHealthcare’s 25 million members now have access to check-ups with more than 5,000 audiologists and various hearing aids under employer, individual and Medicare sponsored plans.

The new offering, called UnitedHealthcare Hearing, is a merger between the country’s largest provider of hearing insurance, EPIC Hearing Healthcare, and hi HealthInnovations — a direct-to-consumer provider of hearing aids.

12 Overrated Employee Perks Your Company Should Avoid Offering
By YEC / all Business

In today’s highly competitive job market, employers often try to woo top talent by advertising a variety of perks of working for their company. While some of these benefits are indeed attractive to job seekers, others simply aren’t so effective when it comes to recruiting or retaining employees. To find out more, we asked members of the Young Entrepreneur Council the following question:

Q. What is one overrated work perk that companies should avoid offering?

1. Fully paid benefits
2. Attendance incentives
3. Nap pods
4. Unlimited vacation
5. Free (unhealthy) snacks
6. Mandatory team-building activities
7. A free company smartphone
8. “Fun” workspaces
9. Catered lunches
10. Gym memberships
11. Too much flexibility
12. Anything designed to keep people in the office longer

Jayapal Challenges Biden on Labor Unions and Health Insurance
Jessica Corbett / Common Dreams / truthdig

Democratic Rep. Pramila Jayapal—who favors creating a national single-payer system that ensures healthcare as a human right for all Americans—responded critically on Saturday to 2020 presidential primary front-runner Joe Biden’s recent comments about labor unions and employer-based health insurance.

The congresswoman from Washington state is the lead sponsor in the U.S. House of the Medicare for All Act of 2019. Jayapal’s response to the former vice president came in a series of tweets, and followed criticism of Biden from another 2020 contender—Sen Bernie Sanders (I-Vt.), a longtime single-payer advocate and lead sponsor of the Senate’s version of the bill.

Sharing the relevant clip from Biden’s interview, Jayapal tweeted Saturday, “This argument that ‘unions broke their neck to get employer-based insurance’ is an OLD argument that isn’t relevant today.”

The congresswoman listed some of the labor unions supporting her Medicare for All bill—including the American Federation of Teachers (AFT), the Service Employees International Union (SEIU), and National Nurses United (NNU)—and argued that these organizations “understand” the benefits of transforming the country’s for-profit healthcare system through proposals such as hers.

For example, Jayapal wrote, unions understand that “workers are paying more and more for their employer-insurance because for-profit insurance companies are raising premiums hugely for employer healthcare as well.”

“Unions understand that when they have to bargain for healthcare, they give up money that should be used for wages,” the congresswoman continued.

Employee engagement: Why it matters for workers enrolling in benefits
By Evelina Nedlund / ebn

What can companies do to get employees thinking about their benefits?

Every organization has a responsibility to communicate what benefit options employees have available to them. If people fully understand how the company supports work-life integration, that does a lot to help people believe that they've landed in a good place. [It also makes them feel] they're at an organization where people care about them and where they can have a very positive working experience.

Organizations can do a lot to help people become financially literate. When you're new to an organization or new to the working world, there’s a lot of jargon coming at you like a FMLA, W-2, VSP and a 401(k) or 403(b) — it's mind boggling.

Yeah, Right: One in Four Workers Will ‘Never Retire’
by John Sullivan, Editor-In-Chief / 401k Specialist

A growing number of Americans never plan to retire, believing they’ll work until they drop, but is it realistic, or even their decision?

A new poll finds just such a disconnection between individuals’ retirement plans and the realities of an aging workforce.

The Associated Press-NORC Center for Public Affairs Research notes that illness, injury, or some other form of incapacitation or unexpected event often force older workers to leave their jobs sooner than they’d like.

“Yet 23% of workers, including nearly two in 10 of those over 50, don’t expect to stop working at all,” according to the research. “Roughly another quarter of Americans say they will continue working beyond their 65th birthday.”


Monday, 07/08/19 - Kamala Harris Says ‘Medicare for All’ Wouldn’t End Private Insurance. It Would

Tuesday, 07/02/19 - Biden vows to oppose any Democrat or Republican who wants to dismantle ObamaCare

Wednesday, 06/26/19 - Trump signs executive order to make health costs more transparent

Thursday, 06/27/19 - A Trio of Trump Rules Will Remake U.S. Health Insurance Markets

Friday, 06-28-09 - Democrats clash over ‘Medicare for all’ in first debate

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Walt Bernard Podgurski - - Editor