Long-Term Care Affordability and Security Act of 2007

Generic Biologics (S. 623; S. 1695; H.R. 1038); Health system / insurance / ERISA reform (H.R. 676; H.R. 506; H.R. 2034; H.R. 3163; S. 334; S. 1783; S. 1019; S. 2818; S. 1886; S. 2795; H.R. 6210); Health cost savings / comparative effectiveness / wellness promotion (H.R. 2184; H.R. 3162; S. 1342; S. 1753; S. 1754; H.R. 3717; H.R. 853; H.R. 2633; S. 3408); Health IT (S. 1693; H.R. 5442; H.R. 6357; H.R. 6898); High Risk Pools (S. 3230, Labor-HHS Approps.); Medicare (Medicare Advantage, electronic prescribing, sales and marketing of Medicare-related private insurance products H.R. 3162; S. 3101; H.R. 6331; H.R. 4296; S. 2408); medical liability reform (S. 243; S. 2662; H.R. 2580; H.R. 5480); insurance regulation (S. 40; H.R. 5611; H.R. 5840); Long Term Care (S. 1758; S. 2337; H.R. 3363); SCHIP reauthorization (H.R. 976; H.R. 3963); Health Insurance Tax Treatment (HSAs, FSAs, HRAs, Health Coverage Tax Credit H.R. 3920; H.R. 3943; H.R. 4341; S. 1739; S. 1848; H.R. 5719); Small business / national pooling of insurance health reform (S. 2795; H.R. 6210; H.R. 6582)

Client expense: $250,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

HR 3200/ S 40, "National Insurance Act," regarding all provisions; HR 3363/ S 2337, "Long-Term Care Affordability and Security Act of 2008," regarding all provisions; HR 1810/ S 1366, "Consolidated Returns," regarding all provisions; S 504, "Long-Term Care Trust Account Act of 2007", regarding all provisions; HR 2582, "Qualified Long-Term Care Fairness Act of 2007", regarding all provisions; S 1758 "Community Living Assistance Services and Supports Act", regarding all provisions; HR 5559, "Long-Term Care and Security Act of 2008", regarding all provisions; HR 6237, "Tax Relief for Long-Term Care Act of 2008", regarding all provisions; HR 5543/S 1288, "Women's Retirement Security Act of 2008", regarding all provisions; HR 5840, "Insurance Information Act of 2008, regarding all provisions.

Client expense: $830,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

TAX (Tax) (Legislative): H.R. 914: Tax Equity and Affordability Act (Ryan); H.R. 2302: Health Insurance Affordability Act (King); H.R. 2582: Qualified Long-term Care Fairness Act (Brown-Waite) (continued) (TAX (Tax) Legislative continued) H.R. 2639: Promoting Health for Future Generations Act (provisions relating to HSAs) (Boustany); H.R. 3088: Long-Term Care Act (Terry); H.R. 3234: HSA Improvement and Expansion Act (Cantor); H.R. 3306: Flexible Health Savings Act (Royce); H.R. 3363: Long-Term Care Affordability and Security Act (Pomeroy); H.R. 3920: Trade and Globalization Assistance Act (provisions relating to health care tax credits, COBRA continuation coverage, health insurance reforms) (Rangel); H.R. 5559: Long-Term Care and Retirement Security Act (Putnam); H.R. 5719: Taxpayer Assistance and Simplification Act (HSA provision); H.R. 6237: Tax Relief for Long-Term Care Act (Courtney); H.R. 7095: Comprehensive Long-Term Care Support (Sandlin) (provisions relating to LTC tax deduction); H.R. 7148: Beneficiary Freedom to Choose Act (Johnson) (provisions relating to HSA improvements); S. 397: Tax Equity and Affordability Act (Martinez); S. 504: Long-Term Care Trust Account Act (Smith); S. 897: Alzheimer's Family Assistance Act (Mikulski); S. 1809: Long-Term Care Act (Thune); S. 2237: Long-Term Care Affordability and Security Act (Grassley); S. 2835: Health Care Equity Act (DeMint); and S. 3626: Family Retirement and Health Investment Act (Hatch) (provisions relating to HSA improvements). TAX (Tax) Regulatory: Issues relating to Health Savings Accounts; issues relating to application of rules regarding excise tax reporting; and issues relating to withholding of government contract payments.

Client expense: $2,240,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Drug Enforcement Administration (DEA), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

H.R.3363, Long-Term Care Affordability and Security Act

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1424 - Paul Wellstone Mental Health & Addiction Equity Act of 2007; provisions relating to employer health benefit requirements H.R. 1693 Wired for Health Care Quality Act; provisions relating to employer health benefit plans and health information H.R. 1753 Healthy Workforce Act; tax provisions relating to business wellness pgms H.R. 1820 - Tax Equity for Health Plan Beneficiaries Act; entire bill H.R. 3363 - Long-Term Care Affordability and Security Act; entire bill H.R. 3800 - Promoting Health Information Technology Act; provisions relating to employee health benefit plans H.R. 4848 - A bill to extend the current application of mental health parity law for one year through 2008; entire bill H.R. 6357 - Protecting Records, Optimizing Treatment, and Easing Communication Through Healthcare Technology Act of 2008 The PRO (TECH)T Act of 2008; provisions relating to use of health information S. 358 - Genetic Information Nondiscrimination Act of 2007; provisions relating to employers benefit plans S. 558 Mental Health Parity Act; entire bill S. 1556 - Tax Equity for Domestic Partner and Health Plan Beneficiaries Act; entire bill S. 1693 - Wired for Health Care Quality Act; provisions relating to HIPAA and employer health benefit plans S. 2337 - Long-Term Care Affordability and Security Act; entire bill

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3185, 401(k) Fair Disclosure for Retirement Security Act of 2007, All provisions H.R. 3765, Defined Contribution Plan Fee Transparency Act of 2007, All provisions H.R. 2167, Automatic IRA Act of 2007 , All provisions H.R. 2205, Retirement Security for Life Act, All provisions H.R. 6143, Pension Protection Act ERISA Amendments of 2008, All provisions H.R. 3088, Long Term Care Act of 2007, All provisions H.R. 3363, Long-Term Care Affordability and Security Act of 2007, All provisions H.R. 6357, Protecting Records, Optimizing Treatment, and Easing Communication through Healthcare Technology Act of 2008, All provisions H.R.6382, Pension Technical Corrections, All provisions H.R. 3361, Pension Protection Technical Corrections Act of 2008 S. 1010 , Retirement Security for Life Act of 2007, All provisions S. 1141, Automatic IRA Act of 2007, All provisions S. 1725, Restoring Pension Promises to Workers Act, All provisions S. 1974, Pension Protection Technical Correction Act of 2007, All provisions S. 2473, Defined Contribution Fee Disclosure Act of 2007, All provisions [No Bill Number], Annuity Default Distribution Fiduciary Protection [No Bill Number], QDIA Guidance and Clarifications, All provisions [No Bill Number], Defined Benefit Risk Factor [No Bill Number], Section 408(b)(2) Disclosure, DOL Regulation [No Bill Number], Disclosure to Participants, DOL Regulation [No Bill Number], Investment Advice, DOL Regulation [No Bill Number], Defined Benefit Risk Factor, Treasury [No Bill Number], Incentives for Annuities and Guaranteed Lifetime Income in DC Plans, All provisions

Client expense: $1,710,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Executive Office of the President (EOP), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Optional Federal Charter, H.R. 3200, the National Insurance Act of 2007 S. 40, the National Insurance Act of 2007 Terrorism Insurance Reauthorization Flood Insurance, H.R. 1682, the Flood Insurance Reform & Modernization Act of 2007 H.R. 3121, the Flood Insurance Reform & Modernization Act of 2007, Long Term Care, H.R. 3363, Long-Term Care Affordability & Security Act of 2007 & S. 2337 H.R. 5840 Insurance Information Act of 2008 S. 2284, Flood Insurance Reform & Modernization Act of 2007

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Retirement Securities, S. 1725, the Restoring Pension Promises to Workers Act; H.R. 3185, the 401(k) Fair Disclosure for Retirement Security Act of 2007; H.R. 3363, Long-Term Care Affordability and Security Act of 2007, and S. 2337, Long-Term Care Affordability and Security Act of 2007; H.R. 7327, the Worker, Retiree and Employer Recovery Act

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Generic Biologics (S. 623; S. 1695; H.R. 1038); Health system / insurance / ERISA reform (H.R. 676; H.R. 506; H.R. 2034; H.R. 3163; S. 334; S. 1783; S. 1019; S. 2818; S. 1886; S. 2795; H.R. 6210); Health cost savings / comparative effectiveness / wellness promotion (H.R. 2184; H.R. 3162; S. 1342; S. 1753; S. 1754; H.R. 3717; H.R. 853; H.R. 2633); Health IT (S. 1693; H.R. 5442; H.R. 6357; H.R. 6898); High Risk Pools (S. 3230, Labor-HHS Approps.); Medicare (Medicare Advantage, electronic prescribing, sales and marketing of Medicare-related private insurance products H.R. 3162; S. 3101; H.R. 6331; H.R. 4296; S. 2408); medical liability reform (S. 243; S. 2662; H.R. 2580; H.R. 5480); insurance regulation (S. 40; H.R. 5611; H.R. 5840); Long Term Care (S. 2337; H.R. 3363); SCHIP reauthorization (H.R. 976); Health Insurance Tax Treatment (HSAs, FSAs, HRAs, Health Coverage Tax Credit H.R. 3920; H.R. 3943; H.R. 4341; S. 1739; S. 1848; H.R. 5719); Small business / national pooling of insurance health reform (S. 2795; H.R. 6210; H.R. 6582); Comparative effectiveness (S. 3408); SCHIP reauthorization (H.R. 976; H.R. 3963)

Client expense: $250,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

Proposals relating to long-term care insurance and health insurance proposals. H.R. 3363/S. 2337, Long-term Care Affordability and Security Act. H.R. 5719, Taxpayer Assistance and Simplification Act; H.R. 7242, to make technical corrections to The Pension Protection Act.

Client expense: Not reported · Firm income: Not reported

Proposals related to long-term care insurance, including S. 504, Long-Term Care Trust Account Act and S. 897, Alzheimer's Family Assistance Act and H.R. 3363/S. 2337, Long-term Care Affordability and Security Act. Proposals related to the tax treatment of carried interest, including H.R. 2834 and H.R. 3970 and H.R. 3996, and H.R. 6274; H.R. 1147/S. 2002, REIT Investment Diversification and Empowerment Act; H.R. 1424, Emregency Economic Stabiliation Act.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to retirement, health insurance, long-term care insurance and health savings accounts, including, S. 897, Alzheimer's Family Assistance Act and S. 504, Long-Term Care Trust Account Act; H.R. 3363/S. 2337, Long-Term Care Affordability and Security Act; Technical Corrections to The Pension Protection Act of 2006, including H.R. 7242, H.R. 3361, H.R. 6382, and S. 1974, Pension Protection Technical Corrections Act. H.R. 6143, Pension Protection Act ERISA Amendments, H.R. 5719, Taxpayer Assistance and Simplification Act.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.150: To prevent the nondisclosure of employer-owned life insurance coverage of employees as an unfair trade practice under the Federal Trade Commission Act, and for other purposes. H.R.377: To amend the Internal Revenue Code of 1986 to increase the dollar limitation on employer-provided group term life insurance that can be excluded from the gross income of the employee. H.R.385: To amend title II of the Social Security Act to eliminate reconsideration as an intervening step between initial benefit entitlement decisions and subsequent hearings on the record on such decisions. H.R.537: To establish a bipartisan commission on insurance reform. H.R.1065: To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R.1081: To further competition in the insurance industry. H.R. 2622: To amend title I of the Employee Retirement Income Security Act of 1974 to require de novo review of claims determinations made by employee benefit plans. H.R.2713: To amend title II of the Social Security Act to authorize waivers by the Commissioner of Social Security of the 5-month waiting period for entitlement to benefits based on disability in cases in which the Commissioner determines that such waiting period would cause undue hardship to terminally ill beneficiaries, and to provide for a study by the Commissioner regarding possible improvements in disability claims processing. H.R.2933: To amend title II of the Social Security Act to provide that the reductions in Social Security benefits which are required in the case of spouses and surviving spouses who are also receiving certain government pensions shall be equal to the amount by which two-thirds of the total amount of the combined monthly benefit (before reduction) and monthly pension exceeds $1,200, adjusted for inflation. H.R.2944: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. H.R.3046: To amend the Social Security Act to enhance Social Security account number privacy protections, to prevent fraudulent misuse of the Social Security account number, and to otherwise enhance protection against identity theft, and for other purposes. H.R.3200: To authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. H.R.3271: To prohibit the solicitation and display of Social Security account numbers, and for other purposes. H.R.3363: To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance. H.R.4181: To reform Social Security retirement and Medicare by establishing a Personal Social Security Savings Program to create a safer, healthier, more secure, and more prosperous retirement for all Americans and to reduce the burden on young Americans. H.R.5611: To reform the National Association of Registered Agents and Brokers, and for other purposes. H.R.5792: To amend the Liability Risk Retention Act of 1986 to increase insurance competition and available coverage for consumers. H.R.5840: To establish an Office of Insurance Information in the Department of the Treasury. H.R.6071: to amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. H.R.6210: to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible S. 40: to authorize the issuance of federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S.292: A bill to establish a bipartisan commission on insurance reform. S.618: A bill to further competition in the insurance industry. S.1736: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. S.1865: to provide for mandatory availability of life insurance that does not preclude future lawful travel, and for other purposes. S.2795:to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible. S.2818: to amend the Employee Retirement Income Security Act of 1974 and the Public Health Service Act to provide for enhanced health insurance marketplace pooling and relating market rating. S.3068: to require equitable coverage of prescription contraceptive drugs and devices, and contraceptive services under health plans. S.3115: to amend title I of the Employee Retirement Income Security Act of 1974, title XXVII of the Public Health Service Act, and the Internal Revenue Code of 1986 to prohibit preexisting condition exclusions for children in group health plans and health insurance coverage in the group and individual markets.

Client expense: $515,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

See Addendum S. 14, "Invest in America Act", provision relating to estate tax repeal. S. 158, "Access to Affordable Health Care Act", Section 224 (Premiums on Long-Term Care Qualified Contracts) S. 349, Small Business and Work Opportunity Act of 2007. S. 504, "Long-Term Care Trust Account Act of 2007". S. 601, Simplification Through Additional Reporting Tax Act of 2007 (Broker reporting of customer's basis in mutual fund transactions). S. 1010, "Retirement Security for Life Act of 2007". S. 1753, "Healthy Workforce Act". S. 1809, "Long-Term Care Act of 2007". S. 2044, "Independent Contractor Proper Classification Act of 2007". S. 2126, "Generating Retirement Ownership Through Long-Term Holding (Growth) Act of 2007. S. 2337, "Long-Term Care Affordability and Security Act of 2007". S. 3125, "Energy Independence and Tax Relief Act of 2008", Section 241, Subpart F - Exception for Active Financing Income. S. 3289, "To Permanently Extend the Estate Tax as in Effect in 2009". S. 3327, "Empowered at Home Act of 2008", provision allowing tax deductino for a certain percentage of long-term care premiums. H.R. 46, "Small Business Tax Fairness and Simplification Act of 2007". H.R. 6, "Energy Independance and Security Act of 2007" (mutual fund cost basis reporting). H.R. 411, To amend the Internal Revenue Code of 1986 to make permanent certain expiring provisions..., provision relating to estate tax repeal H.R. 878, Simplification Through Additional Reporting Tax Act of 2007 (S. 601, H.R. 878) (Broker reporting of customer's basis in mutual fund transactions). H.R. 976, "Small Business Tax Relief Act of 2007". H.R. 1424, Division C, "Tax Extenders and Alternative Minimum Relief Act of 2008", Section 301C, subpart F: income extended through 2009) and Section 403, mutual fund cost basis reporting requirements- - became Public Law No. 110-343. H.R. 2205, "Retirement Security for Life Act of 2007". H.R. 2380, "Death Tax Repeal Permanency Act of 2007". H.R. 2582, "Qualified Long-Term Care Fairness Act of 2007". H.R. 2796, "Generate Retirement Ownership through Long-Term Holding Act of 2007". H.R. 3088, "Long-Term Care Act of 2007". H.R. 3125, "Energy Independence and Tax Relief Act of 2008", Section 241, Subpart F - Exception for Active Financing Income. H.R. 3221, "American Housing Rescue and Foreclosure Prevention Act of 2008", Section 641 (related to mutual fund cost basis reporting). H.R. 3363, "Long-Term Care Affordability and Security Act". H.R. 3970, "Tax Reduction and Reform Act of 2007" - Provisions related to modification of unrelated business income tax rules for certain investment partnerships, basis reporting by brokers on sales of stocks, extension of special rules for regulated investment companies, reduction in corporate tax rate. H.R. 3996, "Temporary Tax Relief Act of 2007", Section 622 - Broker Reporting of Customer Basis in Securities Transactions; and Section 201 - Non-qualified Deferred Compensation from Certain Tax Indifferent Parties. H.R. 4912, "To amend the Internal Revenue Code of 1986 with respect to prepaid derivative contracts". H.R. 6049, "Renewable Energy and Job Creation Act of 2008", Section 239, Subpart F, "Exception for Active Financing Income". H.R. 6237, "Tax Relief for Long-Term Care Act of 2008". H.R. 6499, "Sensible Estate Tax Act of 2008". H.R. 7060, "Renewable Energy and Job Creation Act of 2008", Section 403, Broker Reporting of Customer Basis in Securities Transactions. IRS Notice 2008-18 (1/13/08) - Life Insurance Reserves: proposed AG VACARVM and Life PBR. Current tax treatment of Stranger-Originated Life Insurance (STOLI) - no bill number. Dividends Received Deduction for Life Insurers - no bill number. Life Insurance Company Reserves - no bill number. Senate Finance Committee, "Proposed Legislation on the Taxation of Exchange-Traded Notes" - no bill number.

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

See Addendum S. 40, The National Insurance Act of 2007. S. 618, Act to Further Competition in the Insurance Industry. S. 1693, "Wired for Health Care Quality Act". S. 1814, "Health Information Privacy and Security Act". S. 1865, "Life Insurance Fairness for Travelers Act of 2007". S. 2268, "Long Term Care Insurance Integrity Act of 2007". S. 2337, "Long Term Care Affordability and Security Act of 2007" S. 2490, "Reverse Mortgage Proceeds Protection Act". S.2794, "Senior Investor Protection Act of 2008" H.R. 150, "Life Insurance Employee Notification Act". H.R. 493, Genetic Information Nondiscrimination Act of 2007 (became Public Law No. 110-233).. H.R. 1065, "The Non-Admitted and Reinsurance Reform Act of 2007". H.R. 1081, Act to Further Competition in the Insurance Industry A bill to further competition in the insurance industry. H.R. 1424, "Emergency Economic Stabilization Act of 2008", Became P.L. 110-343. H.R. 3200, The National Insurance Act of 2007. H.R. 3363, "Long-Term Care Affordability and Security Act of 2007". H.R. 3997, "Emergency Economic Stabililzation Act of 2008". H.R. 4150, "Lifetime Pension Annuity for You Act of 2007". H.R. 4299, "Terrorism Risk Insurance Reauthorization Act of 2007". H.R. 5611, "The National Association of Agents and Brokers Return Act of 2008". H.R. 5840, "Insurance Information Act of 2008". The Department of Treasury, "Blueprint for a Modernized Financial Regulatory Structure" (3/31/08). The Department of Treasury, creation of an "Office of Insurance Information" within the Department of Treasury.

Client expense: $1,030,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

See attachment. RET Fourth Quarter Report 2008 H.R. 46 - Small Business Tax Fairness and Simplification Act. Issue: Long Term Care permitted to be offered in cafeteria plans and FSA. H.R. 1424 Emergency Economic Stabilization Act of 2008. Issue: executive com restrictions and 401(k) asset recovery. H.R. 2205/ S 1010 Retirement Security for Life Act. Issue:Tax Incentive for Non Qualified Annuities H.R. 2419 Farm Bill Extension Act. Issue: Roth treatment for 457 contracts. H.R. 2831 Lilly Ledbetter Fair Pay Act. Issue: civil penalty impact on retirement plans. H.R. 2582 Qualified Long-Term Care Fairness Act of 2007. Issue: above the line deduction for LTC. H.R. 3185, the 401(k) Fair Disclosure for Retirement Security Act of 2007. Issue: Retirement plan fee disclosure. H.R. 3361 -To make technical corrections related to the Pension Protection Act of 2006. Issue: technical corrections to PPA. H.R. 3997 Defenders of Freedom Tax Act/ Heroes Earnings Assistance and Relief Act. Issue: military access to retirement monies. H.R. 5160 Small Business Add Value for Employees Act of 2008. Issue: expand pension coverage. H.R. 5559 The Long Term Care and Retirement Security Act of 2008. Issue: LTC in cafeteria and FSA and above the line deductions for LTC premiums. H.R. 6143 Pension Protection Act ERISA Amendments of 2008. Issue: Retirement plan modifications. H.R. 6237 The Tax Relief for Long Term Care Act of 2008. Issue: tax credit for LTC insurance premiums. H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 6382 Pension Protection Act Technical Corrections. Issue: Retirement plan modifications H.R. 7242 Pension Protection Act IRC Amendments of 2008. Issue: LTC and annuity clarification; Tax free exchange provisions for LTC. H.R. 7327 Worker, Retiree and Employer Recovery Act. Issue: Retirement plan modification H. Con Res 431 Supporting the Goals and Ideals of a Long Term Awareness Week. Issue: LTC. S. 158 - Access to Affordable Health Care Act. Issue: above the line deduction for long term care insurance. S. 555 - Simple Cafeteria Plan Act. Issue: Long term care insurance permitted to be offered in cafeteria plans and FSA. S. 1087 Fair Pay Act. Issue: civil penalty impact on retirement plans. S. 1288 - Women's Retirement Act of 2007. Issue: federal tax treatment of annuities. S. 1693 The Wired for Healthcare Quality Act. Issue: affects of LTC ERISA preemption. S. 1758 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. S. 1809/ H.R. 3088 Long-Term Care Act of 2007. Issue: distributions from retirement plans should not be included in gross income if used to pay for LTC premiums. S.1974- the Pension Protection Technical Corrections Act of 2007. Issue: technical corrections to PPA. S. 2121 Caregiver Assistance and Relief Effort Act of 2007. Issue: above the line deduction for LTC. S. 2337/H.R. 3363 Long Term Care Affordability and Security Act of 2007. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 2473 Defined Contribution Fee Disclosure Act. Issue: retirement plan fee disclosure. S. 2794 The Senior Investor Protection Act of 2008. Issue: sales to seniors of annuity products. S. 3278/ HR 6708 - A bill which would limit the use of 401(k) debit cards and limit withdrawals from 401(k) plans. Issue: limit of withdrawals on retirement plans. S. 3327 Empowered at Home Act of 2008. Issue: Allows above the line tax deduction for LTC premiums. Allows LTC to be offered in cafeteria/ FSA plans. S. 3952 - Automatic IRA Act of 2007. Issue: expand pension coverage.

Client expense: $1,700,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to long-term care insurance, including H.R. 3363/S. 2337, Long-term Care Affordability and Security Act.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 2337/HR 3363 Long-Term Care Affordability and Security Act - Discussed consumer protections for LTC insurance. S 1070/HR 1783 Elder Justice Act/S 1577 Patient Safety and Abuse Prevention Act of 2007 - Support for both pieces of legislation, strategy for how they might both move forward next year. S 3327/HR 7212 - Empowered at Home Act - Lobbied to adjust budget neutrality requirement in waivers to include costs in both Medicare and Medicaid and other improvements to bill. Also lobbied in support of the bill. HR 7110/S 3604 Job Creation and Unemployment Relief Act - Lobbied for FMAP funding. HR 5613 Protecting the Medicaid Safety Net Act of 2008 - Supported this legislation, particularly provisions related to placing a moratorium on seven harmful Medicaid regulations. Discussed need to strengthen low-income programs by raising asset limits and streamlining rules, and to keep premiums affordable for all beneficiaries, and promote e-prescriptions in medicare (no bill number). S 2408/HR 4296 Medicare Electronic Medication and Safety Protection (E-Meds) Act of 2007- Supported provisions related to requiring e-prescribing in Medicare Part D, at first by providing incentive payments to providers who do and after 2011 lower payments to providers who do not. S 2641 Nursing Home Transparency and Improvement Act and HR 7128 Nursing Home Transparency and Quality of Care Improvement Act - Discussed the bill and provided suggestions for changes to the bill, nursing home quality and proposed five star rating system cms; poor performing nursing homes, family caregiving initiative, nursing home compliance guidelines, Home Health CAHPS, LTC Partnership Program (under Medicaid data reporting requirements), LTC Quality Alliance. To build support and obtain sponsors for Medicaid Family Caregiver Assessment Demonstration proposal (no bill number). Discussion and input on legislation to improve the health/LTC workforce and support family caregivers (no bill number). Advance directives and end-of-life care, education of the public about these issues, portability, and other issues relating to advance directives (no bill number). HR 7114/S3613 Independence at Home Act/Chronic Care Coordination - Lobbied on and support for legislation to provide chronic care coordination services to certain Medicare beneficiaries. S 3101/HR 6331 Medicare Improvements for Patients and Providers Act of 2008 - Discussed implementation to help improve Medicare. Lobbied for appeal notices for Medicare beneficiaries in Medicare Advantage plans (no bill number). S 1102 Part D Equity for Low-Income Services - Lobbied for legislation to increase Medicare Part D LIS. HR 1536 Prescription Coverage Now Act - Lobbied for legislation to increase Medicare Part D LIS asset limits. HR 6033 - Discussed provisions of Home-Based Health Services Job Training and Caregiving Act and ways to improve bill.

Client expense: $6,870,000 · Firm income: Not reported

Government targets: Administration on Aging, Commerce, Dept of (DOC), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), SENATE, Social Security Administration (SSA), Treasury, Dept of, White House Office

Tax issues - S 897, Alzheimer's Family Assistance Act of 2007; S 504, Long-Term Care Trust Account Act of 2007; HR 2639, Promoting Health for Future Generations Act of 2007; HR 2582, Qualified Long-term Care Fairness Act of 2007; HR 914, Tax Equity and Affordability Act of 2007; S 397, Tax Equity and Affordability Act of 2007; HR 2302, Health Insurance Affordability Act of 2007; S 1809, Long-Term Care Act of 2007; HR 3088, Long-Term Care Act of 2007; HR 3234, HSA Improvement and Expansion Act of 2007; HR 3306, Flexible Health Savings Act of 2007; HR 3363, Long-Term Care Affordability and Security Act of 2007; S 2337, Long-Term Care Affordability and Security Act of 2007; HR 3920, Trade and Globalization Assistance Act of 2007; HR 5559, Long-Term Care and Retirement Security Act of 2008; HR 5719, Taxpayer Assistance and Simplification Act of 2008; S 2835, To amend the Internal Revenue Code of 1986 to allow the purchase of health insurance with pre-tax dollars; HR 6237, Tax Relief for Long-Term Care Act of 2008; HR 7148, Medicare Beneficiary Freedom to Choose Act of 2008; S 3626, Family and Retirement Health Investment Act of 2008; HR 7095, Comprehensive Long-Term Care Support Act of 2008.

Client expense: Not reported · Firm income: $100,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

House Emergency Retiree Health Benefits Protection Act - H.R. 1322 Paul Wellstone Mental Health and Addiction Equity Act - H.R. 1424 Tax Equity for Health Plan Beneficiaries Act - H.R. 1820 Promoting Health for Future Generations Act H.R. 2639 Michelles Law H.R. 2851 Long-Term Care Affordability and Security Act of 2007 H.R. 3363 Defenders of Freedom Tax Relief Act H.R. 3997 Technologies for Restoring Users Security and Trust in (TRUST) in Health Information Act of 2008 H.R. 5442 Taxpayer Assistance and Simplification Act of 2008 - H.R. 5719 ERISA Amendments H.R. 6142 Pension Protection Act ERISA Amendments Act of 2008 H.R 6143 Promoting Health Information Technology Act of 2008 H.R. 6179 Patient-Controlled Health IT Act H.R. 6345 Protecting Records, Optimizing Treatment and Easing Communication Through Healthcare Technology Act, The Pro (TECHT) T Act of 2008 H.R. 6357 Health Insurance Source of Injury Clarification Act of 2008 H.R. 6908 Paul Wellstone and Pete Dominici Mental Health Parity and Addiction Equity Act H.R. 6983 Technical Correction S. 3712: Paul Wellstone and Pete Domenici Mental Health Parity Addiction Equity Act H.R. 6938 Several Approaches to Reduce the Uninsured Act H.R. 7129 Senate Mental Health Parity Act S. 558 Tax Equity for Domestic Partner and Health Plan Beneficiaries Act S. 1556 Wired for Health Care Quality Act S. 1693 Biologics Price Competition and Innovation Act 0f 2007 S. 1695 Long-Term Care Affordability and Security Act of 2007 S. 2337 Comparative Effectiveness Research Act S. 3408 Technical Correction S. 3712: Paul Wellstone and Pete Domenici Mental Health Parity Addiction Equity Act H.R. 6938 Discussion Draft of Legislation Requiring Form W-2 Reporting of Employer-Provided Health Care Costs - Submitted comments to a group of Senators Health Reform Call to Action Health Reform 2009 Finance & HELP Committees Regulatory communication with covered federal officials on legislative issues DOL/EBSA Genetic Information Nondiscrimination Act of 2008 (GINA) DOL Technical Correction S. 3712: Paul Wellstone and Pete Domenici Mental Health Parity Addiction Equity Act H.R. 6938 IRS proposed requirements for filing excise taxes

Client expense: $210,392 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

House Paul Wellstone Mental Health and Addiction Equity Act - H.R. 1424 The Emergency Economic Stabilization Act - H.R. 1424 Tax Equity for Health Plan Beneficiaries Act of 2007 - H.R. 1820 Lilly Ledbetter Fair Pay Act of 2007 H.R. 2831 401 (k) Fair Disclosure for Retirement Security Act H.R. 3185 The Worker Retiree, and Employer Recovery Act H.R. 3361 Long-Term Care Affordability and Security Act of 2007 H.R. 3363 Defined Contribution Plan Fee Transparency Act of 2007 H.R. 3765 AMT Credit Fairness and Relief Act H.R.3861 Defenders of Freedom Tax Relief Act of 2007 - H.R. 3997 Small Business Add Value for Employees (SAVE) Act of 2008 H.R. 5160 Energy Improvement and Extension Act of 2008 H.R. 6049 ERISA Amendments H.R. 6142 Pension Protection Act ERISA Amendments of 2008 H.R. 6143 Pension Protection Technical Corrections Act of 2008 H.R. 6382 401 (k) Plan Debit Card Bill H.R. 6708 Hurricane Tax Relief Act of 2008 H.R. 6958 Disaster Tax Relief Act of 2008 H.R. 7006 Defined Benefit Pension Funding Relief Measures The Worker, Retiree, and Employer Recovery Act H.R. 7327 Senate Tax Equity for Domestic Partner and Health Plan Beneficiaries Act S. 1556 Fair Pay Restoration Act S. 1843 Pension Protection Technical Corrections Act of 2007 S. 1974 Long-Term Care Affordability and Security Act of 2007 S. 2337 AMT Credit Fairness Act and Relief Act S. 2389 Defined Contribution Fee Disclosure Act of 2007 S. 2473 Incentives for Older Workers Act S. 2933 401 (k) Plan Debit Card Bill S. 3278 Jobs, Energy, Families, and Disaster Relief Act of 2008 S. 3335 Defined Benefit Pension Funding Relief Measures The Worker, Retiree, and Employer Recovery Act H.R. 7327 Regulatory communication with covered federal officials on legislative issues. White House - Defined Benefit Pension Funding Relief Measures H.R. 7327 Treasury Minimum Required Distribution relief H.R. 7327 DOL 401(k) fee disclosure - H.R. 3185, H.R. 3765, S. 2473 DOL Pension Protection Action Act of 2006 Technical Corrections, funding issues Treasury/IRS Hurricane relief, contribution and funding certification, Pension Protection Act of 2006 (PPA) Treasury/IRS Pension Protection Act of 2006 Technical Corrections, funding issues Treasury/IRS hybrid plan issues Treasury/IRS 409A and deferred compensation Treasury/IRS EESA issues H.R. 1424 Treasury/IRS HEART Act H.R. 3997 & 6081

Client expense: $210,392 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

H.R. 3363/S2337 - Long Term Care Affordability and Security Act; all provisions

Client expense: $1,520,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Association Health Plans and other proposals for small business health plans and small business market reforms. Including, proposals regarding health care coverage for all Americans and long term care, specifically, H.R. 3363 and S. 2337. Issues related to Health Savings Accounts (HSA's), and HSA improvement and expansion. More specifically, H.R. 5719, the Taxpayer Assistance and Simplification Act of 2008. Also, issues regarding Mental Health Parity and ERISA preemption.

Client expense: $183,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 46 - Small Business Tax Fairness and Simplification Act. Issue: Long Term Care permitted to be offered in cafeteria plans and FSA. S 158 - Access to Affordable Health Care Act. Issue: above the line deduction for long term care insurance. S. 555 - Simple Cafeteria Plan Act. Issue: Long term care insurance permitted to be offered in cafeteria plans and FSA. H.R. 2205/ S 1010 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities S. 1288 - Women's Retirement Act of 2007. Issue: federal tax treatment of annuities. S. 3952 - Automatic IRA Act of 2007. Issue: expand pension coverage. H.R.3361 -To make technical corrections related to the Pension Protection Act of 2006. Issue: technical corrections to PPA. S.1974- the Pension Protection Technical Corrections Act of 2007. Issue: technical corrections to PPA. H.R. 3185, the 401(k) Fair Disclosure for Retirement Security Act of 2007. Issue: Retirement plan fee disclosure. S. 2337/H.R. 3363 Long Term Care Affordability and Security Act of 2007. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 1809/ H.R. 3088 Long-Term Care Act of 2007. Issue: distributions from retirement plans should not be included in gross income if used to pay for LTC premiums. H.R. 3765 Defined Contribution Plan Fee Transparency Act of 2007. Issue: retirement plan fee disclosure. S. 1758 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. H.R. 2582 Qualified Long-Term Care Fairness Act of 2007. Issue: above the line deduction for LTC. S. 2121 Caregiver Assistance and Relief Effort Act of 2007. Issue: above the line deduction for LTC. S. 2473 Defined Contribution Fee Disclosure Act. Issue: retirement plan fee disclosure. S. 1087 Fair Pay Act. Issue: civil penalty impact on retirement plans. H.R. 2831 Lilly Ledbetter Fair Pay Act. Issue: civil penalty impact on retirement plans. H.R. 2419 Farm Bill Extension Act. Issue: Roth treatment for 457 contracts. H.R. 3997 Defenders of Freedom Tax Act/ Heroes Earnings Assistance and Relief Act. Issue: military access to retirement monies. H.R. 5160 Small Business Add Value for Employees Act of 2008. Issue: expand pension coverage. H.R. 5559 The Long Term Care and Retirement Security Act of 2008. Issue: LTC in cafeteria and FSA and above the line deductions for LTC premiums. S. 2794 The Senior Investor Protection Act of 2008. Issue: sales to seniors of annuity products. H.R. 6237 The Tax Relief for Long Term Care Act of 2008. Issue: tax credit for LTC insurance premiums. S. 1693 The Wired for Healthcare Quality Act. Issue: affects of LTC ERISA preemption. H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 6382 Pension Protection Act Technical Corrections. Issue: Retirement plan modifications H.R. 6143 Pension Protection Act ERISA Amendments of 2008. Issue: Retirement plan modifications. H.R. 7242 Pension Protection Act IRC Amendments of 2008. Issue: LTC and annuity clarification; Tax free exchange provisions for LTC. S. 3278/ HR 6708 - A bill which would limit the use of 401(k) debit cards and limit withdrawals from 401(k) plans. Issue: limit of withdrawals on retirement plans. H.R. 1424 Emergency Economic Stabilization Act of 2008. Issue: executive com restrictions and 401(k) asset recovery. H.R. 3765 Defined Contribution Plan Fee Transparency Act of 2007. Issue: retirement plan fee disclosure. S. 3327 Empowered at Home Act of 2008. Issue: Allows above the line tax deduction for LTC premiums. Allows LTC to be offered in cafeteria/ FSA plans. H. Con Res 431 Supporting the Goals and Ideals of a Long Term Awareness Week. Issue: LTC. H.R. 7327 Worker, Retiree and Employer Recovery Act. Issue: Retirement plan modification

Client expense: $1,472,800 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

S897 Alzheimer's Family Assistance Act of 2007 S504 Long Term Care Trust Accounts Act of 2007 S555 Simple Cafeteria Plan Act of 2007 HR493 Genetic Information Non-Discrimination Act of 2007 HR3363 Long Term Care Affordability and Security Act of 2007 S2337 Long Term Care Affordability and Security Act of 2007 HR5559 Long Term Care Retirement and Security Act of 2008

Client expense: $1,070,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of Thrift Supervision (OTS), SENATE, Treasury, Dept of

S. 349 - Small Business and Work Opportunity Act of 2007 S. 1366 - To amend the Internal Revenue Code of 1986 to permit the consolidation of life insurance companies with other companies H.R. 6049 - Energy and Tax Extenders Act of 2008 H.R. 7202 - Temporary Tax Relief Act of 2008 S. 3335 - Jobs, Energy, Families, and Disaster Relief Act of 2008 S. 2337 - Long-Term Care Affordability and Security Act of 2007 H.R. 3363 - Long-Term Care Affordability and Security Act of 2007 S. 1010 - To amend the Internal Revenue Code of 1986 to encourage guaranteed lifetime income payments from annuities and similar payments of life insurance proceeds at dates later than death by excluding from income a portion of such payments. S. 1141 - Automatic IRA Act of 2007 H.R. 976 - Small Business Tax Relief Act of 2007 H.R. 1810 - To amend the Internal Revenue Code of 1986 to permit the consolidation of life insurance companies with other companies. H.R. 2205 - To amend the Internal Revenue Code of 1986 to encourage guaranteed lifetime income payments from annuities and similar payments of life insurance proceeds at dates later than death by excluding from income a portion of such payments. H.R. 2380 - Death Tax Repeal Permanency Act of 2007 H.R. 2167 - Automatic IRA Act of 2007 H.R. 6983 - Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 H.R. 7005 - Alternative Minimum Tax Relief Act of 2008 H.R. 7006 - Disaster Tax Relief Act of 2008 H.R. 7060 - Renewable Energy and Job Creation Tax Act of 2008

Client expense: Not reported · Firm income: $100,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Health care reform, employee benefits and LTC insurance reform. HR 1424, HR 6331, HR 3363, S. 334, HR 3162, S. 2337, H.R. 2851, S. 3335, HR 3125, HR 3221, S 2795, HR 6210

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance reform: Advocate in support of an optional Federal Charter, .R. 3200 and S.40, both titled "The National Insurance Act of 2007". These bills would create an optional federal charter for insurance. Also advocate for H.R. 5840, the Insurance Information Act of 2008. This bill would create an office of Insurance Information with the Treasury Department to provide federal expertise on insurance matters and international negotiations. Long Term Care Insurance: Advocate in support of HR 3363 and S.2337, both titled the Long-term Care Affordability and Security Act of 2007. These bills would allow long-term care insurance to be offered in employer-sponsored cafeteria plans flexible spending arrangements. Annuities/Suitability: Followed S. 2794, the "Senior Investor Protection Act of 2008". a bill which would hold insurance and securities companies liable for any potential mis-selling of their products by agents and brokers. The bill also required disclosures of fees, costs, and commissions. Also, contacted Senate staff on the annuities suitability issues, separate from the introduction of the bill. Also followed SEC action on this issue, including the SEC's issuing of a finance rule affecting fixed-index annuities. This is Rule 151A. Holocaust insurance issues/ICHEIC: Lobbied against a bill introduced in the House, H.R. 1746, the "Holocaust Insurance Accountability Act of 2007", which would create a new cause of action against U.S. insurance companies with European affiliates that may have written life insurance policies involving Holocaust victims. The bill would also require any European insurer with policies written between 1900 and 1945 that may have involved holocaust victims to disclose all files on the policies, including names, to the U.S. Credit-based insurance scores: Lobbied against a bill introduced in the House, H.R. 5733, the "Nondiscriminatory Use of Consumer Reports and Consumer Information Act of 2008", which would restrict the ability of personal lines insurers to use credit information for underwriting or setting rates. Bond insurance: Follow issue, including attending hearings, which is how the subprime crisis has affected the bond insurance industry and the municipal securities they insure. Medicare secondary payer/workers compensation: Flow issue, including trade association efforts to meet with the Centers for Medicare and Medicaid Services (CM'S), an agency at the Department of Health and Human Services. CMS is working on guidance/rules on this issue and insurance trade associations are weighing in. McCarran-Ferguson Reform: Follow and oppose two bills, S.618 and H.R. 1081, the Insurance Industry Competition Act, which would repeal the McCarran-Ferguston Act, which provides insurers a limited exemption from federal antitrust law. Broker licensing: Followed introduction of bill H.R. 5611, the National Association of Registered Agents and Brokers Reform Act. This bill, which is generally opposed by trade groups we belong to, would create a self regulating organization for insurance producers. Flood and national catastrophe insurance: Lobbied in the House for reform of the National Flood Insurance Program, which is set to expire in March. Also lobbied against the inclusion of wind in the NFIP. Lobbied against the adoption of legislation that would create a federal backstop for natural catastrophe insurance.

Client expense: $350,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Risk Management Agency, SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of

See attachment. RET Third Quarter Report 2008 HR 46 - Small Business Tax Fairness and Simplification Act. Issue: Long Term Care permitted to be offered in cafeteria plans and FSA. H.R. 1424 Emergency Economic Stabilization Act of 2008. Issue: executive com restrictions and 401(k) asset recovery. H.R. 2205/ S 1010 Retirement Security for Life Act. Issue:Tax Incentive for Non Qualified Annuities H.R. 2419 Farm Bill Extension Act. Issue: Roth treatment for 457 contracts. H.R. 2582 Qualified Long-Term Care Fairness Act of 2007. Issue: above the line deduction for LTC. H.R. 3185, the 401(k) Fair Disclosure for Retirement Security Act of 2007. Issue: Retirement plan fee disclosure. H.R. 3361 -To make technical corrections related to the Pension Protection Act of 2006. Issue: technical corrections to PPA. H.R. 3765 Defined Contribution Plan Fee Transparency Act of 2007. Issue: retirement plan fee disclosure. H.R. 3997 Defenders of Freedom Tax Act/ Heroes Earnings Assistance and Relief Act. Issue: military access to retirement monies. H.R. 5160 Small Business Add Value for Employees Act of 2008. Issue: expand pension coverage. H.R. 5559 The Long Term Care and Retirement Security Act of 2008. Issue: LTC in cafeteria and FSA and above the line deductions for LTC premiums. H.R. 6143 Pension Protection Act ERISA Amendments of 2008. Issue: Retirement plan modifications. H.R. 6237 The Tax Relief for Long Term Care Act of 2008. Issue: tax credit for LTC insurance premiums. H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 6382 Pension Protection Act Technical Corrections. Issue: Retirement plan modifications H.R. 7242 Pension Protection Act IRC Amendments of 2008. Issue: LTC and annuity clarification; Tax free exchange provisions for LTC. S. 158 - Access to Affordable Health Care Act. Issue: above the line deduction for long term care insurance. S. 555 - Simple Cafeteria Plan Act. Issue: Long term care insurance permitted to be offered in cafeteria plans and FSA. S. 1288 - Women's Retirement Act of 2007. Issue: federal tax treatment of annuities. S. 1693 The Wired for Healthcare Quality Act. Issue: affects of LTC ERISA preemption. S. 1758 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. S. 1809/ H.R. 3088 Long-Term Care Act of 2007. Issue: distributions from retirement plans should not be included in gross income if used to pay for LTC premiums. S. 1974- the Pension Protection Technical Corrections Act of 2007. Issue: technical corrections to PPA. S. 2121 Caregiver Assistance and Relief Effort Act of 2007. Issue: above the line deduction for LTC. S. 2337/H.R. 3363 Long Term Care Affordability and Security Act of 2007. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 2473 Defined Contribution Fee Disclosure Act. Issue: retirement plan fee disclosure. S. 2794 The Senior Investor Protection Act of 2008. Issue: sales to seniors of annuity products. S. 3278/ HR 6708 - A bill which would limit the use of 401(k) debit cards and limit withdrawals from 401(k) plans. Issue: limit of withdrawals on retirement plans. S. 3327 Empowered at Home Act of 2008. Issue: Allows above the line tax deduction for LTC premiums. Allows LTC to be offered in cafeteria/ FSA plans. S. 3952 - Automatic IRA Act of 2007. Issue: expand pension coverage. H. Con Res 431 Supporting the Goals and Ideals of a Long Term Awareness Week. Issue: LTC.

Client expense: $830,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Long Term Care: Class Act: HR 3001; S 1758. Long Term Care: Cafeteria plan: FSA Legislation: HR 3363; S 555. Pension Protection Act (Technical Correction, 2nd round): HR 6143; S 190. 401(k) plan fee issues: HR 3185. Life non-life consolidated returns: S 1366; HR 1810. Life Insurance, Annuities, Company Tax issues Education.

Client expense: $1,420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Advantage, electronic prescribing and sales and marketing-HR 3162; S 3101; HR 6331; HR 4296; S 2408); medical liability reform (S 243; S 2662; HR 2580; HR 5480); mental health parity (HR 1424; S 558); insurance regulation (S 40; HR 5611; HR 5840); Long Term Care (S 2337; HR 3363); SCHIP reauthorization (HR 976); Health Insurance Tax Treatment (HSAs, FSAs, HRAs, Health Care Tax Credit-HR 3920; HR 3943; HR 4341; S. 1739; S 1848; HR 5719

Client expense: $250,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

DAC Tax - current legislation and issues as they relate to the insurance industry; HR.3363: Long-Term Care Affordability and Security Act of 2007 - cafeteria plans and how they effect the insurance industry; Consolidated tax filing - as it relates to the insurance industry

Client expense: $60,000 · Firm income: Not reported

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE

HR 3200/ S 40, "National Insurance Act," regarding all provisions; HR 3363/ S 2337, "Long-Term Care Affordability and Security Act of 2008," regarding all provisions; HR 1810/ S 1366, "Consolidated Returns," regarding all provisions; S 504, "Long-Term Care Trust Account Act of 2007", regarding all provisions; HR 2582, "Qualified Long-Term Care Fairness Act of 2007", regarding all provisions; S 1758 "Community Living Assistance Services and Supports Act", regarding all provisions; HR 5559, "Long-Term Care and Security Act of 2008", regarding all provisions; HR 6237, "Tax Relief for Long-Term Care Act of 2008", regarding all provisions; HR 5543/S 1288, "Women's Retirement Security Act of 2008", regarding all provisions; HR 5840, "Insurance Information Act of 2008, regarding all provisions.

Client expense: $910,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Flexible Spending Accounts Growth and Opportunities Act of 2007 - H.R. 298 The Breast Cancer Patient Protection Act of 2008 H.R. 758 Emergency Retiree Health Benefits Protection Act of 2007 - H.R. 1322 Paul Wellstone Mental Health and Addiction Equity Act 0f 2007 - H.R. 1424 Tax Equity for Health Plan Beneficiaries Act - H.R. 1820 Patient Protection and Innovative Biologic Medicines Act of 2007 - H.R. 1956 Promoting Health for Future Generations Act - H.R. 2639 Michelles Law H.R. 2851 Childrens Health and Medicare Act of 2007 - H.R. 3162 Healthy Americans Act - H.R. 3163 HSA Improvement and Expansion Act - H.R. 3234 Flexible Health Savings Act - H.R. 3306 Long-Term Care Affordability and Security Act of 2007 - H.R. 3363 Employment Non-Discrimination Act - H.R. 3685 Promoting Health Information Technology Act H.R. 3800 Defenders of Freedom Tax Relief Act of 2007/Heroes Earnings Assistance and Tax Relief Act of 2007-title as passed - H.R. 3997 Medicare Electronic Medication and Safety Protection (E-Meds) H.R. 4848 Mental Health Parity Extension Legislation - H.R. 4848 Technologies for Restoring Users Security and Trust in (TRUST) in Health Information Act of 2008 - H.R. 5442 Taxpayer Assistance and Simplification Act H.R. 5719 Promoting Health Information Technology Act of 2008 H.R. 6179 Retiree Health Account Act of 2008 H.R. 6288 Pension Protection Act ERISA Amendments H.R. 6143 ERISA Amendments HR 6142 Medicare Improvements for Patients and Providers Act of 2008 H.R. 6331 Patient-Controlled Health IT Act H.R. 6345 Protecting Records, Optimizing Treatment, and Easing Communication Through Healthcare Technology Act of 2008 The Pro (TECH) T Act of 2008 - H.R. 6357 Health Insurance Source of Injury Clarification Act of 2008 H.R. 6908 Health-e Information Technology Act of 2008 H.R. 6898 Senate Health Partnership Act - S. 325 Healthy Americans Act - S. 334 Genetic Information Nondiscrimination Act - 358 Mental Health Parity Act of 2007 - S. 558 Access to Life-Saving Medicine Act - S. 623 Universal Health Care Choice and Access Act - S. 1019 State-based Health Care Reform Act - S. 1169 Medicare Quality Enhancement Act - S. 1544 Tax Equity for Domestic Partner and Health Beneficiaries Act - S. 1556 Wired for Health Care Quality Act - S. 1693 Biologics Price Competition and Innovation Act - S. 1695 Healthy Workforce Act - S. 1753 Community Living Assistance Services and Supports Act (the CLASS Act) - S. 1758 Childrens Health Insurance Reauthorization Act - S. 1893 Long-Term Care Affordability and Security Act of 2007 - S. 2337 Medicare, Medicaid and SCHIP Extension Act of 2007 - S. 2499 Medicare Funding Warning Response Act of 2008 - S. 2662 Disability Savings Act - S. 2741 Medicare Improvements for Patients and Providers Act of 2008 - S. 3101 Preserving Access to Medicare Act of 2008 S. 3118 Comparative Effectiveness Research Act S. 3408

Client expense: $246,723 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of

Shareholder Votes on Executive Compensation Act - H.R. 1257 Paycheck Fairness Act H.R. 1338 Emergency Economic Stabilization Act - H.R. 1424 Tax Equity for Health Plan Beneficiaries Act of 2007 - H.R. 1820 Pension Security Act of 2007 - H.R. 2683 Lilly Ledbetter Fair Pay Act of 2007 - H.R. 2831 Federal Aviation Administration (FAA) Reauthorization Act (benefits provisions) H.R. 2881 Tax Collection Responsibility Act of 2007 - H.R. 3056 401 (k) Fair Disclosure for Retirement Security Act - H.R. 3185 ADA Restoration Act of 2007 - H.R. 3195 Mutual Fund Fee Reform Act H.R. 3225 Pension Protection Technical Corrections Act of 2007 - H.R. 3361 Long-Term Care Affordability and Security Act of 2007 - H.R. 3363 Protecting Employees and Retirees in Business Bankruptcies Act of 2007 - H.R. 3652 Defined Contribution Plan Fee Transparency Act of 2007 - H.R. 3765 AMT Credit Fairness and Relief Act - H.R. 3861 Tax Reduction and Reform Act of 2007 - H. R. 3970 The Temporary Tax Relief Act of 2007/Tax Increase Prevention Act of 2007 - H.R. 3996 Defenders of Freedom Tax Relief Act of 2007/Heroes Earnings Assistance and Tax Relief Act of 2007 title as passed - H.R. 3997 AMT Relief Act of 2007 - H.R. 4351 The Small Business Add Value for Employees (SAVE) Act of 2008 H.R. 5160 Energy and Tax Extenders Act of 2008/Renewable Energy and Job Creation Act of 2008/Energy Improvement and Extension Act of 2008 H.R. 6049 Heroes Earnings Assistance and Relief Tax Act H.R. 6081 Roadmap for Americas Future Act of 2008 H.R. 6110 Pension Protection Act ERISA Amendments of 2008 H.R. 6143 ERISA Amendments H.R. 6142 Pension Protection Technical Corrections Act of 2008 H.R. 6382 Commodity Markets Transparency and Accountability Act & Substitute amendment H.R. 6604 401 (k) Plan Debit Card Bill H.R. 6708 Hurricane Tax Relief Act of 2008 H.R. 6958 Alternative Minimum Tax Relief Act of 2008 H.R. 7005 Disaster Tax Relief Act of 2008 H.R. 7006 Renewable Energy and Job Creation Tax Act of 2008 (tax extenders) H.R. 7060 Senate Tax Equity for Domestic Partner and Health Plan Beneficiaries Act - S. 1556 Defenders of Freedom Tax Relief Act of 2007 - S. 1593 Alternative Investments, Amending Internal Revenue Code provisions taxing partnerships involving alternative investments S.1624 Restoring Pension Promises to Workers Act S. 1725 Fair Pay Restoration Act - S. 1843 Americans with Disabilities Act Restoration Act of 2007 - S. 1881 Pension Protection Technical Corrections Act of 2007 - S. 1974 Independent Contractor Proper Classification Act of 2007 - S. 2044 Protecting Employees and Retirees in Business Bankruptcies Act of 2007 - S. 2092 Offshore Deferred Compensation Reform Act of 2007 - S. 2199 Long-Term Care Affordability and Security Act of 2007 - S. 2337 Defined Contribution Fee Disclosure Act of 2007 - S. 2473 AMT Credit Fairness and Relief Act S. 2389 Incentives for Older Workers Act S. 2933 Alternative Minimum Tax and Extenders Tax Relief Act of 2008 S. 3098 Energy Independence and Tax Relief Act of 2008 S. 3125 Title VII Fairness Act S. 3209 Commodity Speculation Reform Act of 2008 - S. 3248 Stop Excessive Energy Speculation Act of 2008 - S. 3268 401 (k) Plan Debit Card Bill S. 3278 The Jobs, Energy, Families, and Disaster Relief Act S.3335 (extenders, deferred comp) ADA Amendments Act S. 3406 Regulatory communication with covered federal officials on legislative issues. Legislation Treasury/IRS Emergency Economic Stabilization Act H.R. 1424 Treasury/IRS - Pension Protection Act Technical Corrections (PPA) - H.R. 3361, H.R. 6382, S. 1974 DOL on 401 (k) fee disclosure - H.R. 3185, H.R. 3765, S. 2473 Treasury/IRS - on hybrid plan issues Treasury/IRS on 409A and deferred compensation Treasury/IRS on pension funding Treasury/IRS - guidance on benefits provisions of the HEART Act H.R. 6081 Treasury/IRS on benefit accruals and anti-backloading Treasury/IRS Hurricane relief H.R. 6958, H.R. 7006

Client expense: $246,723 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Treasury, Dept of

HR 3221 Housing and Economic Recovery Act of 2008 S 3335 Jobs, Energy, Families, and Disaster Relief Act of 2008 HR 3361 Pension Protection Technical Corrections Act HR 6049 Renewable Energy and Job Creation Act of 2008 HR 3363 Long-Term Care Affordability and Security Act of 2007 HR 7060 Renewable Energy and Job Creation Tax Act of 2008 HR 6382 Pension Protection Technical Corrections Act of 2008

Client expense: $541,199 · Firm income: Not reported

Government targets: Education, Dept of, Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE

Tax issues - S 897, Alzheimer's Family Assistance Act of 2007; S 504, Long-Term Care Trust Account Act of 2007; HR 2639, Promoting Health for Future Generations Act of 2007; HR 2582, Qualified Long-term Care Fairness Act of 2007; HR 914, Tax Equity and Affordability Act of 2007; S 397, Tax Equity and Affordability Act of 2007; HR 2302, Health Insurance Affordability Act of 2007; S 1809, Long-Term Care Act of 2007; HR 3088, Long-Term Care Act of 2007; HR 3234, HSA Improvement and Expansion Act of 2007; HR 3306, Flexible Health Savings Act of 2007; HR 3363, Long-Term Care Affordability and Security Act of 2007; S 2337, Long-Term Care Affordability and Security Act of 2007; HR 3920, Trade and Globalization Assistance Act of 2007; HR 5559, Long-Term Care and Retirement Security Act of 2008; HR 5719, Taxpayer Assistance and Simplification Act of 2008; S 2835, To amend the Internal Revenue Code of 1986 to allow the purchase of health insurance with pre-tax dollars; HR 6237, Tax Relief for Long-Term Care Act of 2008; HR 7148, Medicare Beneficiary Freedom to Choose Act of 2008; S 3626, Family and Retirement Health Investment Act of 2008; HR 7095, Comprehensive Long-Term Care Support Act of 2008.

Client expense: Not reported · Firm income: $100,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

Generic Biologics (S. 623; S. 1695; H.R. 1038); Genetic Nondiscrimination (H.R. 493; S. 358); Health system / insurance / ERISA reform (H.R. 676; H.R. 506; H.R. 2034; H.R. 3163; S. 334; S. 1783; S. 1019; S. 2818; S. 1886; S. 2795; H.R. 6210); Health cost savings / comparative effectiveness / wellness promotion (H.R. 2184; H.R. 3162; S. 1342; S. 1753; S. 1754; H.R. 3717; H.R. 853; H.R. 2633); Health IT (S. 1693; H.R. 5442; H.R. 6357); High Risk Pools (S. 3230, Labor-HHS Approps.); Medicare (Medicare Advantage, electronic prescribing, sales and marketing H.R. 3162; S. 3101; H.R. 6331; H.R. 4296; S. 2408); medical liability reform (S. 243; S. 2662; H.R. 2580; H.R. 5480); mental health parity (H.R. 1424; S. 558); insurance regulation (S. 40; H.R. 5611; H.R. 5840); Long Term Care (S. 2337; H.R. 3363); SCHIP reauthorization (H.R. 976); Health Insurance Tax Treatment (HSAs, FSAs, HRAs, Health Coverage Tax Credit H.R. 3920; H.R. 3943; H.R. 4341; S. 1739; S. 1848; H.R. 5719) Small business health reform (H.R. 6582); Health IT (H.R. 6898); Comparative effectiveness (S. 3408); H.R. 6210 (SHOP companion)

Client expense: $250,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Congressional Budget Office (CBO), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

H.R. 1424 - Paul Wellstone Mental Health & Addiction Equity Act of 2007; provisions relating to employer health benefit requirements H.R. 1693 - Wired for Health Care Quality Act; provisions relating to employer health benefit plans and health information H.R. 1753 - Healthy Workforce Act; tax provisions relating to business wellness pgms H.R. 1820 - Tax Equity for Health Plan Beneficiaries Act; entire bill H.R. 3363 - Long-Term Care Affordability and Security Act; entire bill H.R. 3800 - Promoting Health Information Technology Act; provisions relating to employee health benefit plans H.R. 4848 - A bill to extend the current application of mental health parity law for one year through 2008; entire bill H.R. 6357 - Protecting Records, Optimizing Treatment, and Easing Communication Through Healthcare Technology Act of 2008 The PRO (TECH)T Act of 2008; provisions relating to use of health information S. 358 - Genetic Information Nondiscrimination Act of 2007; provisions relating to employers benefit plans S. 558 Mental Health Parity Act; entire bill S. 1556 - Tax Equity for Domestic Partner and Health Plan Beneficiaries Act; entire bill S. 1693 - Wired for Health Care Quality Act; provisions relating to HIPAA and employer health benefit plans S. 2337 - Long-Term Care Affordability and Security Act; entire bill

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

TAX (Tax) (Legislative): H.R. 914: Tax Equity and Affordability Act (Ryan); H.R. 2302: Health Insurance Affordability Act (King); H.R. 2582: Qualified Long-term Care Fairness Act (Brown-Waite) (continued) (TAX (Tax) Legislative continued) H.R. 2639: Promoting Health for Future Generations Act (provisions relating to HSAs) (Boustany); H.R. 3088: Long-Term Care Act (Terry); H.R. 3234: HSA Improvement and Expansion Act (Cantor); H.R. 3306: Flexible Health Savings Act (Royce); H.R. 3363: Long-Term Care Affordability and Security Act (Pomeroy); H.R. 3920: Trade and Globalization Assistance Act (provisions relating to health care tax credits, COBRA continuation coverage, health insurance reforms) (Rangel); H.R. 5559: Long-Term Care and Retirement Security Act (Putnam); H.R. 5719: Taxpayer Assistance and Simplification Act (HSA provision); H.R. 6237: Tax Relief for Long-Term Care Act (Courtney); H.R. 7095: Comprehensive Long-Term Care Support (Sandlin) (provisions relating to LTC tax deduction); H.R. 7148: Beneficiary Freedom to Choose Act (Johnson) (provisions relating to HSA improvements); S. 397: Tax Equity and Affordability Act (Martinez); S. 504: Long-Term Care Trust Account Act (Smith); S. 897: Alzheimer's Family Assistance Act (Mikulski); S. 1809: Long-Term Care Act (Thune); S. 2237: Long-Term Care Affordability and Security Act (Grassley); S. 2835: Health Care Equity Act (DeMint); and S. 3626: Family Retirement and Health Investment Act (Hatch) (provisions relating to HSA improvements). TAX (Tax) Regulatory: Issues relating to Health Savings Accounts; issues relating to application of rules regarding excise tax reporting; and issues relating to withholding of government contract payments.

Client expense: $1,630,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Drug Enforcement Administration (DEA), Executive Office of the President (EOP), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

H.R.3363, Long-Term Care Affordability and Security Act

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.150: To prevent the nondisclosure of employer-owned life insurance coverage of employees as an unfair trade practice under the Federal Trade Commission Act, and for other purposes. H.R.377: To amend the Internal Revenue Code of 1986 to increase the dollar limitation on employer-provided group term life insurance that can be excluded from the gross income of the employee. H.R.385: To amend title II of the Social Security Act to eliminate reconsideration as an intervening step between initial benefit entitlement decisions and subsequent hearings on the record on such decisions. H.R.537: To establish a bipartisan commission on insurance reform. H.R.1065: To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R.1081: To further competition in the insurance industry. H.R. 2622: To amend title I of the Employee Retirement Income Security Act of 1974 to require de novo review of claims determinations made by employee benefit plans. H.R.2713: To amend title II of the Social Security Act to authorize waivers by the Commissioner of Social Security of the 5-month waiting period for entitlement to benefits based on disability in cases in which the Commissioner determines that such waiting period would cause undue hardship to terminally ill beneficiaries, and to provide for a study by the Commissioner regarding possible improvements in disability claims processing. H.R.2933: To amend title II of the Social Security Act to provide that the reductions in Social Security benefits which are required in the case of spouses and surviving spouses who are also receiving certain government pensions shall be equal to the amount by which two-thirds of the total amount of the combined monthly benefit (before reduction) and monthly pension exceeds $1,200, adjusted for inflation. H.R.2944: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. H.R.3046: To amend the Social Security Act to enhance Social Security account number privacy protections, to prevent fraudulent misuse of the Social Security account number, and to otherwise enhance protection against identity theft, and for other purposes. H.R.3200: To authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. H.R.3271: To prohibit the solicitation and display of Social Security account numbers, and for other purposes. H.R.3363: To amend the Internal Revenue Code of 1986 to allow long-term care insurance to be offered under cafeteria plans and flexible spending arrangements and to provide additional consumer protections for long-term care insurance. H.R.4181: To reform Social Security retirement and Medicare by establishing a Personal Social Security Savings Program to create a safer, healthier, more secure, and more prosperous retirement for all Americans and to reduce the burden on young Americans. H.R.5611: To reform the National Association of Registered Agents and Brokers, and for other purposes. H.R.5792: To amend the Liability Risk Retention Act of 1986 to increase insurance competition and available coverage for consumers. H.R.5840: To establish an Office of Insurance Information in the Department of the Treasury. H.R.6071: to amend the Public Health Service Act to require reinstatement upon payment of all premiums due of group or individual health insurance coverage terminated by reason of nonpayment of premiums. H.R.6210: to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible S. 40: to authorize the issuance of federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S.292: A bill to establish a bipartisan commission on insurance reform. S.618: A bill to further competition in the insurance industry. S.1736: to amend title II of the Social Security Act to provide that the eligibility requirement for disability insurance benefits under which an individual must have 20 quarters of Social Security coverage in the 40 quarters preceding a disability shall not be applicable in the case of a disabled individual suffering from a covered terminal disease. S.1865: to provide for mandatory availability of life insurance that does not preclude future lawful travel, and for other purposes. S.2795:to amend the Public Health Service Act to establish a nationwide health insurance purchasing pool for small businesses and the self-employed that would offer a choice of private health plans and make health coverage more affordable, predictable, and accessible. S.2818: to amend the Employee Retirement Income Security Act of 1974 and the Public Health Service Act to provide for enhanced health insurance marketplace pooling and relating market rating. S.3068: to require equitable coverage of prescription contraceptive drugs and devices, and contraceptive services under health plans. S.3115: to amend title I of the Employee Retirement Income Security Act of 1974, title XXVII of the Public Health Service Act, and the Internal Revenue Code of 1986 to prohibit preexisting condition exclusions for children in group health plans and health insurance coverage in the group and individual markets.

Client expense: $470,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR)

See attachment. RET Second Quarter Report 2008 H.R. 2 - Fair Minimum Wage Act H.R. 46 - Small Business Tax Fairness and Simplification Act H.R. 914 - Tax Equity and Affordability Act H.R. 976 - Small Business Tax Relief Act H.R. 1807 - Alzheimers Family Assistance Act H.R. 2205/ S. 1010 - Tax Incentive for Non Qualified Annuities H.R. 2419 Farm Bill Extension Act H.R. 2582 Qualified Long-Term Care Fairness Act of 2007 H.R. 3088 Long-Term Care Act of 2007 H.R. 3185 - The 401(k) Fair Disclosure for Retirement Security Act of 2007 H.R. 3361 - To make technical corrections related to the Pension Protection Act of 2006 H.R. 3363 Long Term Care Affordability and Security Act of 2007 H.R. 4839 Tax Technical Corrections H.R. 5160 Small Business Add Value for Employees Act of 2008 H.R. 5559 The Long Term Care and Retirement Security Act of 2008 H.R. 6143 Pension Protection Act ERISA Amendments of 2008 H.R. 6237 The Tax Relief for Long Term Care Act of 2008 H.R. 6357 Protecting Records, Optimizing Treatments, and Easing Communications Through Healthcare Technology Act of 2008 (ProTECHt Act) H.R. 6382 Pension Protection Act Technical Corrections H.R. (Concurrent Resolution) 133 - Supporting the Goals of the Long Term Care Awareness Week S. 555 - Simple Cafeteria Plan Act S. 897 - Alzheimers Family Assistance Act S. 1288 - Women's Retirement Act of 2007 S. 1974 - The Pension Protection Technical Corrections Act of 2007 S. 1809 Long-Term Care Act of 2007 S. 2337 - Long Term Care Affordability and Security Act of 2007 S. 3952 - Automatic IRA Act of 2007 S. 1758 Community Living Assistance Services and Supports Act S. 2121 Caregiver Assistance and Relief Effort Act of 2007 S. 2268 Long-Term Care Insurance Integrity Act of 2007 S. 2473 Defined Contribution Fee Disclosure Act S. 2794 The Senior Investor Protection Act of 2008 S. 1693 The Wired for Healthcare Quality Act Final 403(b) Regulations/Revenue Proceeding 2007-71 - issues related to timing relief, clarification of transition relief, grandfathering, effective date and restrictions on immediate redeemability. Department of Labor - Regulation on annual reporting obligations 29 CFR 2920-103-1; 72 FR 221 Notice of adoption of revisisions to annual return/report forms. Department of Labor - Final Revised Form 5500 (2009) - New Fee Reporting Rules - request changes to final rules.

Client expense: $910,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Retirement Securities, S. 1725, the Restoring Pension Promises to Workers Act; H.R. 3185, the 401(k) Fair Disclosure for Retirement Security Act of 2007; H.R. 3363, Long-Term Care Affordability and Security Act of 2007, and S. 2337, Long-Term Care Affordability and Security Act of 2007;

Client expense: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Optional Federal Charter, H.R. 3200, the National Insurance Act of 2007, S. 40, the National Insurance Act of 2007, Terrorism Insurance Reauthorization, Flood Insurance, H.R. 1682, the Flood Insurance Reform & Modernization Act of 2007, H.R. 3121, the Flood Insurance Reform & Modernization Act of 2007, Long Term Care, H.R. 3363, Long-Term Care Affordability & Security Act of 2007 & S. 2337; H.R. 5840 Insurance Information Act of 2008; S. 2284, Flood Insurance Reform & Modernization Act of 2007 H.R. 5611, NARAB II; H.R. 1065, The Non-admitted & Reinsurance Reform Act of 2007;H.R. 6870, Payment System Protection Act of 2008

Client expense: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office