Confidence in Long-Term Care Insurance Act of 2009

- HR 1721/ S 697, "A bill 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", a/k/a, "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title VI and Title I Subtitle G. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

Implementation of healthcare reform laws - Executive Branch actions re PL 111-148 and PL 111-152. Repeal Patient Protection and Affordable Health Care Acts (PL 111-148/PL 111-152) - HR 4901, To repeal the Patient Protection and Affordable Care Act; HR 4903, To repeal the Patient Protection and Affordable Care Act; HR 4910, To repeal the Patient Protection and Affordable Care Act and enact the Empowering Patients First Act in order to provide incentives to encourage health insurance coverage; HR 4919, To repeal the Patient Protection and Affordable Care Act; HR 4972, To repeal the Patient Protection and Affordable Care Act; HR 5005, To repeal the Patient Protection and Affordable Care Act; HR 5073, To repeal the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 and enact the OPTION Act of 2009; HR 5216, To repeal the Patient Protection and Affordable Care Act; HR 5421, To repeal the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010, repeal the 7.5 percent threshold on the deduction for medical expenses, provide for increased funding for high-risk pools, allow acquiring health insurance across State lines, and allow for the creation of association health plans; HR 5424, Reform Americans Can Afford Act of 2010 ; HR 5444, Private Option Health Care Act; HR 6355, STAT Act of 2010; S 3147, Patient Choice Restoration Act; S 3152, A bill to repeal the Patient Protection and Affordable Care Act. *High risk pools - HR 5664, High-Risk Pool Fairness Act. *Effective date for prohibitionon rescissions - HR 5761, To amend the Patient Protection and Affordable Care Act to expedite the application of the provision prohibiting rescissions of health insurance coverage. *Government-run plan - HR 5808, To amend the Patient Protection and Affordable Care Act to establish a public health insurance option. *Guarantee-issue and open enrollment for Medigap policies - HR 5844, Fairness in Medigap Options Act of 2010. *Regulations of LTC insurance - HR 5890, Long-Term Care Insurance Reform Act of 2010. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010. *Requirements for private disability insurers - HR 6066, Preventing Social Security Fraud Act of 2010. *Supplemental disability insurance for Federal employees - HR 6368, Federal Employee Disability Insurance Act of 2010. *FTC authority - S 3685, Insurance Competition and Transparency Act of 2010. *Health coverage tax credit - S 3793, Job Creation and Tax Cuts Act of 2010. *State innovation waivers - S 3958, Empowering States to Innovate Act. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, 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. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comprehensive proposals related to long-term care insurance, including S. 1177, Confidence in Long-Term Care Insurance Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, Treasury, Dept of

HR 525 & S 406 - Association Health Plans. NAIFA opposes exempting AHP's from state benefit, regulatory oversight and solvency laws. S. 1995 allows AHP's to offer only issued plans that are subject to state solvency standards. Some regulatory oversight and an "average" of state mandated coverages. S. 725, HR 1470 - would amend IRC of 1986 to allow self emloyed individuals to deduct health insurance costs in computing self-employment taxes. NAIFA supports. S 207 - Amend the IRC of 1986 to allow deduction for health insurance premiums. NAIFA supports. HR 176 & HR 1177 - would allow unused flexible spending arrangement funds to be carried over to the next year. NAIFA & AHIA favors this option. HR 27 - An "Above the line" deduction for "higher deductible" health plans coupled with HSA's. NAIFA supports. HR 37, S. 978, HR 1872, HR 2063, HR 3873 creates Health Savings Accounts. NAIFA supports. HR 3511, S. 1569. NAIFA supports allowing states to establish LTC partnerships. HR 6331 - Would cut funding for Medicare Advantage - NAIFA opposes. HR 2096 & S. 702 - The Long-Term Care Affordability and Security Act of 2009 expands the authority under IRC Sectioin 125 that allows individuals to pay for certain benefits offered through cafeteria plans and/or flexible spending arrangement s with pre-tax dollars. AHIA & NAIFA support. HR 897 - Allows for Long Term Care insurance to be offered through cafeteria plans and/or FSA's as well as creates an above the line deduction for LTC premiums and provides a tax credit for caregivers. NAIFA & AHIA support. S.82 - A bill to amend title XXI of the Social Security Act to reauthorize the State Children's Health Insurance Program, to limit income eligibility expansions under that program until the lowest income eligible individuals are enrolled, and for other purposes. NAIFA supports. HR 1468 - To provide health care liability reform, and for other purposes. NAIFA supports. HR 1413 - To amend the Internal Revenue Code of 1986 to allow certain public employees a deductioin for distributions from governmental plans for health and long-term care insurance,and for other purposes. NAIFA supports. HR 1279 - To amend the Internal Revenue Code of 1986 to increase the contribution limits to dependent care flexible spending accounts and to provide for a carryover of unused dependent care benefits. NAIFA supports. S. 1177 - Confidence in Long Term Care Insurance Act would instruct the Health and Human Services Department to ask the NAIC to collect data and also create a website called "LTC Insurance Compare" to help consumers research long term care insurance. NAIFA supports. HR 563 - To amend title XXI of the Social Security Act to require States to provide priority under the State Children's Health Insurance Program (SCHIP) to children in families with gross income below 200 percent of the Federal poverty level. NAIFA supports. HR 542 - To amend titles XIX and XXI of the Social Security Act to permit States to rely on findings from an express plan agency to conduct simplified eligibility determinations under Medicaid and the State Children's Health Insurance Program. NAIFA supports. HR 198 - To amend the Internal Revenue Code of 1986 to allow a deduction for amounts paid for health insurance and prescription drug costs of individuals. NAIFA supports. HR 194 - To amend the Social Security Act to guarantee comprehensive health care coverage for all children born after 2009, and for other purposes. NAIFA opposes. HR 2 - To amend title XXI of the Social Security Act to extend and improve the Children's Health Insurance Program, and for other purposes. NAIFA opposes. S 94 - A bill to amend the Internal Revenue Code of 1986 to provide for a nonrefundable tax credit for long-term care insurance premiums. NAIFA supports. HR 1891 - To amend the Internal Revenue Code of 1986 to allow an above-the-line deduction for half of an individual's long-term care insruance premiums. NAIFA supports. HR 897 - To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs. NAIFA supports. HR 3590, HR 4872 - Enacts the "Patient Protection and Affordable Care Act." NAIFA opposes certain provisions.

Client expense: $315,000 · Firm income: Not reported

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

H.R.1192 To amend the Internal Revenue Code of 1986 to provide more help to Alzheimer's disease caregivers. Long Term Care Trust Accounts Act S.702 Long Term Care Affordability and Security Act S.697 CLASS Act S1177 Confidence In LongTerm Care Insurance Act of 2009 H.R.519 To authorize additional appropriations for the family caregiver support program under the Older Americans Act of 1965, and for the National Clearinghouse for Long-Term Care Information, for fiscal years 2010, 2011, and 2012 H.R.2096 Long Term Care Cafeteria and Flexible Spending Account H.R.1721 CLASS Act H.R.897 Deduction for Long Term Care Insurance Premiums under Cafeteria Plans and Flexible Spending Arrangements S.1626 Long Term Care insurance Integrity Act of 2009 S.1796 An original bill to provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes H.R.3200 America's Affordable Health Choices Right-to-Know Act of 2009 S.1679 Affordable Health Choices Act H.R.3962 Affordable Healthcare for America Act S1728 Patient Protection and Affordable Care Act of 2009 HR5890 Long Term Insurance Reform Act of 2010

Client expense: $900,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R.1192 To amend the Internal Revenue Code of 1986 to provide more help to Alzheimer's disease caregivers. Long Term Care Trust Accounts Act S.702 Long Term Care Affordability and Security Act S.697 CLASS Act S1177 Confidence In LongTerm Care Insurance Act of 2009 H.R.519 To authorize additional appropriations for the family caregiver support program under the Older Americans Act of 1965, and for the National Clearinghouse for Long-Term Care Information, for fiscal years 2010, 2011, and 2012 H.R.2096 Long Term Care Cafeteria and Flexible Spending Account H.R.1721 CLASS Act H.R.897 Deduction for Long Term Care Insurance Premiums under Cafeteria Plans and Flexible Spending Arrangements S.1626 Long Term Care insurance Integrity Act of 2009 S.1796 An original bill to provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes H.R.3200 America's Affordable Health Choices Right-to-Know Act of 2009 S.1679 Affordable Health Choices Act H.R.3962 Affordable Healthcare for America Act S1728 Patient Protection and Affordable Care Act of 2009 HR5890 Long Term Insurance Reform Act of 2010

Client expense: $980,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH REFORM, AND MEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT (FKA: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010); ALL PROVISIONS OF THE BILL H.R. 4213: AMERICAN JOBS AND CLOSING TAX LOOPHOLES ACT OF 2010; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES (SAVE) ACT OF 2009; PROVISIONS RELATED TO SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION H.R. 5297: SMALL BUSINESS JOBS AND CREDIT ACT OF 2010; PROVISIONS RELATED TO PARTIAL ANNUITIZATION AND ROTH CONVERSIONS OF 401(K) SAVINGS S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG-TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S. 1626: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO REGULATORY REFORM

Client expense: $590,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act (Burgess) disclosure of coverage exclusions; H.R. 1583, Insurance Industry Competition Act (DeFazio) McCarran-Ferguson reforms (cont.) H.R. 1691, Breast Cancer Patient Protection Act (DeLauro) hospital stays for breast cancer patients; H.R. 1880, National Insurance Consumer Protection Act (Bean) regulatory reform; H.R. 2609, Insurance Information Act (Kanjorski) Federal Office of Insurance Information; H.R. 3217, Health Care Choice Act (Shadegg) national marketplace; H.R. 3584, Health Care Consumer Protection Act (Forbes) reinstatement of coverage upon payment of overdue premiums; H.R. 3596, Health Insurance Industry Antitrust Enforcement Act (Conyers) McCarran-Ferguson reforms; H.R. 4078, Long-Term Care Insurance Disclosure Act (Perriello) model disclosure form for long-term care insurance; H.R. 4563, Cancer Screening Coverage Act (Maloney) coverage requirement for cancer screening; H.R. 4626, Health Insurance Industry Fair Competition Act (Perriello) McCarran-Ferguson reforms; H.R. 4757, Health Insurance Rate Authority Act (Schakowsky) federal rate review process; H.R. 5000, Dental Coverage Value and Transparency Act (Andrews) requirements for dental coverage; H.R. 5297, Small Business Jobs Act (Frank) amendments on employer reporting requirement and individual coverage requirement; H.R. 5664, High Risk Pool Fairness Act (Ellsworth ) high risk pools; H.R. 5761 (Melancon) effective date for prohibition on rescissions; H.R. 5808 (Woolsey) government-run plan; H.R. 5844, Fairness in Medigap Options Act (Rothman) guarantee issue and open enrollment for Medigap policies; H.R. 5853, Fiscal Responsibility and Retirement Security Act (Boustany) delaying implementation of the CLASS program; H.R. 5890, Long-Term Care Insurance Reform Act (Doggett) regulation of LTC insurance; H.R. 5982, Small Business Tax Relief Act (Levin) employer reporting requirements; H.R. 6066, Preventing Social Security Fraud Act (Sanchez) requirements for private disability insurers; H.R. 6368, Federal Employee Disability Insurance Act (Holmes-Norton) supplemental disability insurance for federal employees; S. 688, Breast Cancer Patient Protection Act (Snowe) hospital stays for breast cancer patients; S. 1177, Confidence in Long-Term Care Insurance Act (Kohl) LTC consumer protections; S. 1459, Health Care Choice Act (DeMint) national marketplace; S. 1626, Long Term Care Insurance Integrity Act (Klobuchar) third party review of LTCI disputed claims; S. 1636, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms for LTC insurance; S. 1681, Health Insurance Industry Antitrust Enforcement Act (Leahy) McCarran-Ferguson reforms; S. 3078, Health Insurance Rate Authority Act (Feinstein) federal rate review process; S. 3685 Insurance Competition and Transparency Act (Pryor) FTC authority; and S. 3793, Job Creation and Tax Cuts Act (Baucus) health coverage tax credit. INS (Regulatory) Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials; implementation of the Mental Health Parity Act requirements; issues related to COBRA subsidy requirements, issues related to genetic nondiscrimination; medical loss ratios; review of rates for reasonableness; health insurance exchanges; pre-existing condition insurance plans; accountable care organizations; internal claims and appeals and external review processes; coverage of preventive services; pre-existing condition exclusions; lifetime and annual dollar limits on benefits rescissions; patient protections; grandfathered health plan provisions; health insurance web portal requirements; dependent coverage; and other issues relating to health care reform implementation.

Client expense: $2,330,000 · 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), Medicare Payment Advisory Commission (MedPAC), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

Comprehensive proposals related to long-term care insurance, including S. 1177, Confidence in Long-Term Care Insurance Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, White House Office

H.R.3590, Patient Protection and Affordable Care Act - Lobbied in support of and on implementation of health care legislation that would reform the health care system to provide affordable quality health care and expand access to long-term services and supports. Provided information on the need for nursing education capacity and the retention of newer and older nurses in the workplace (no bill). S.1569/H.R.3185, Medicare Graduate Nursing Education Act - Advocated for modernizing Medicare funding so that nursing education funds are directed to advanced nurse practice programs to help produce more highly-skilled nurses to care for the Medicare population. S. 623/HR 1558, Pre-existing Condition Patient Protection Act of 2009 - Lobbied in support of bill that would prohibit insurers from denying health insurance or delaying coverage for people with pre-existing conditions. H.R. 2778, Health Equity and Accountability through Research Act of 2009 - Lobbied in support of bill that would address racial and ethnic disparities in care. S. 979/HR 2360, Small Business Health Options Programs Act - Lobbied in support of bill that would 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.1213, Patient-Centered Outcomes Research Act - Lobbied in support of bill that would create a public-private partnership to conduct and disseminate comparative effectiveness research. S. 726/H.R. 1427, Promoting Innovation and Access to Life Saving Medicines - Discussed legislation which would create a pathway for approval of safe, effective biosimilar and generic biologic drugs. H.R. 3090, Health Equity and Accountability Act - Discussed need to end racial and ethnic disparities in care. S. 3686, Labor, HHS, Education and Related Agencies Appropriations Act FY 2011 - Lobbied for funding for healthcare services, research and training involving NIH, AHRQ, CMS, HRSA, HHS and AOA. H.R. 4872, Health Care and Education Reconciliation Act - Lobbied in support of health care law which makes improvements such as closing the Part D coverage gap, in the Patient Protection and Affordable Care Act and implementation of some provisions. H.R. 5364, Special Care Dentistry Act - Discussed bill that would require states to provide oral health coverage for aged, blind, or disabled individuals through a separate state adult dental program, with 100% federal match. H.R. 4213, American Workers, State and Business Relief Act/American Jobs and Closing Tax Loopholes Act - Lobbied for extension of UI, COBRA, FMAP, and SGR. H.R. 3081, Continuing Resolution, FY 2011 - Lobbied for funding for SSA, various health care, employment, aging services and nutrition programs. H.R. 5795, Personalize Your Care Act - Bill gives Americans the opportunity to make advance care plans should he or she become unable to direct their own care. S. 1177, Confidence in Long-Term Care Insurance Act - Bill provides options to help Americans pay for the long-term services and supports they may need, including to help them live in their homes and communities. H.R. 5890, Long-Term Care Insurance Reform Act - Bill provides options to help Americans pay for the long-term services and supports they may need, including to help them live in their homes and communities. S. 776, Promoting Small House Nursing Homes Act - Provides incentives for new, affordable models of long-term services and supports. H.R. 4224, Together We Care Act - Bill creates a three-year pilot program to train public housing residents to provide covered home-based health services. H.R. 5853, Fiscal Responsibility and Retirement Security Act - Bill requires review and approval by law prior to collection of premiums under the CLASS program, to require notice to individuals prior to enrollment, and to require termination of the program in the event of actuarial unsoundness, and for other purposes. S. 2814, Home Health Care Planning Improvement Act of 2010 - Bill recognizes and authorizes nurse practitioners, clinical nurse specialists, certified nurse-midwives and physician assistants as eligible health care professionals who can order home health services under Medicare. H.R. 4993, Home Health Care Planning Improvement Act of 2010 - Bill recognizes and authorizes nurse practitioners, clinical nurse specialists, certified nurse-midwives and physician assistants as eligible health care professionals who can order home health services under Medicare.

Client expense: $4,710,000 · Firm income: Not reported

Government targets: Administration on Aging, Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Federal Communications Commission (FCC), Food & Drug Administration (FDA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Vice President of the United States, SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), Transportation, Dept of (DOT), Treasury, Dept of, White House Office

HR 525 & S 406 - Association Health Plans. NAIFA opposes exempting AHP's from state benefit, regulatory oversight and solvency laws. S. 1995 allows AHP's to offer only issued plans that are subject to state solvency standards. Some regulatory oversight and an "average" of state mandated coverages. S. 725, HR 1470 - would amend IRC of 1986 to allow self emloyed individuals to deduct health insurance costs in computing self-employment taxes. NAIFA supports. S 207 - Amend the IRC of 1986 to allow deduction for health insurance premiums. NAIFA supports. HR 176 & HR 1177 - would allow unused flexible spending arrangement funds to be carried over to the next year. NAIFA & AHIA favors this option. HR 27 - An "Above the line" deduction for "higher deductible" health plans coupled with HSA's. NAIFA supports. HR 37, S. 978, HR 1872, HR 2063, HR 3873 creates Health Savings Accounts. NAIFA supports. HR 3511, S. 1569. NAIFA supports allowing states to establish LTC partnerships. HR 6331 - Would cut funding for Medicare Advantage - NAIFA opposes. HR 2096 & S. 702 - The Long-Term Care Affordability and Security Act of 2009 expands the authority under IRC Sectioin 125 that allows individuals to pay for certain benefits offered through cafeteria plans and/or flexible spending arrangement s with pre-tax dollars. AHIA & NAIFA support. HR 897 - Allows for Long Term Care insurance to be offered through cafeteria plans and/or FSA's as well as creates an above the line deduction for LTC premiums and provides a tax credit for caregivers. NAIFA & AHIA support. S.82 - A bill to amend title XXI of the Social Security Act to reauthorize the State Children's Health Insurance Program, to limit income eligibility expansions under that program until the lowest income eligible individuals are enrolled, and for other purposes. NAIFA supports. HR 1468 - To provide health care liability reform, and for other purposes. NAIFA supports. HR 1413 - To amend the Internal Revenue Code of 1986 to allow certain public employees a deductioin for distributions from governmental plans for health and long-term care insurance,and for other purposes. NAIFA supports. HR 1279 - To amend the Internal Revenue Code of 1986 to increase the contribution limits to dependent care flexible spending accounts and to provide for a carryover of unused dependent care benefits. NAIFA supports. S. 1177 - Confidence in Long Term Care Insurance Act would instruct the Health and Human Services Department to ask the NAIC to collect data and also create a website called "LTC Insurance Compare" to help consumers research long term care insurance. NAIFA supports. HR 563 - To amend title XXI of the Social Security Act to require States to provide priority under the State Children's Health Insurance Program (SCHIP) to children in families with gross income below 200 percent of the Federal poverty level. NAIFA supports. HR 542 - To amend titles XIX and XXI of the Social Security Act to permit States to rely on findings from an express plan agency to conduct simplified eligibility determinations under Medicaid and the State Children's Health Insurance Program. NAIFA supports. HR 198 - To amend the Internal Revenue Code of 1986 to allow a deduction for amounts paid for health insurance and prescription drug costs of individuals. NAIFA supports. HR 194 - To amend the Social Security Act to guarantee comprehensive health care coverage for all children born after 2009, and for other purposes. NAIFA opposes. HR 2 - To amend title XXI of the Social Security Act to extend and improve the Children's Health Insurance Program, and for other purposes. NAIFA opposes. S 94 - A bill to amend the Internal Revenue Code of 1986 to provide for a nonrefundable tax credit for long-term care insurance premiums. NAIFA supports. HR 1891 - To amend the Internal Revenue Code of 1986 to allow an above-the-line deduction for half of an individual's long-term care insruance premiums. NAIFA supports. HR 897 - To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs. NAIFA supports. HR 3590, HR 4872 - Enacts the "Patient Protection and Affordable Care Act." NAIFA opposes certain provisions.

Client expense: $315,000 · Firm income: Not reported

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

- HR 1721/ S 697, "A bill 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", a/k/a, "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title VI and Title I Subtitle G. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

Client expense: $1,150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

- HR 109, "To provide for the offering of Health Benefit Plans to individuals, to increase funding for State high risk health insurance pools, and to promote best practice protocols for State high risk pools" a/k/a "America's Affordable Health Care Act", regarding all provisions. - S 391/HR 1321, "A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away" a/k/a "Healthy Americans Act", regarding all provisions. - HR 1, "Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for fiscal year ending September 30, 2009, and for other purposes" a/k/a "American Recovery and Reinvestment Act of 2009", regarding COBRA Benefits Section 3002 and Comparative Effectiveness Council Section 9201. - HR 2096/S 702, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2520, "To provide comprehensive solutions for the health care system of the United States, and for other purposes", a/k/a "Patients Choice Act", regarding all provisions. - S 1099, "A bill to provide comprehensive solutions for the health care system of the United States, and for other purposes", a/k/a "Patients Choice Act", regarding all provisions. - S 1213, "A bill to amend title XI of the Social Security Act to provide for the conduct of comparative effectiveness research and to amend the Internal Revenue Code of 1986 to establish a Patient-Centered Outcomes Research Trust Fund, and for other purposes", a/k/a "Patient-Centered Outcome Research Act of 2009", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1679, "An original bill to make quality, affordable health care available to all Americans, reduce costs, improve health care quality, enhance disease prevention, and strengthen the health care workforce", a/k/a "Affordable Health Choices Act", regarding all provisions. - S 1730, "A bill to provide for minimum loss ratios for health insurance coverage", a/k/a "Fairness in Health Insurance Act of 2009", regarding all provisions. - HR 3200, "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes", a/k/a "America's Affordable Health Choices Act of 2009" regarding all provisions. - HR 3962, "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes", a/k/a, "Affordable Health Care for America Act", regarding all provisions. - HR 3590, "Patient Protection & Affordable Care Act", regarding all provisions. - S 1636, "A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance", a/k/a "Long-Term Care Insurance Consumer Right-to-Know Act", regarding all provisions. - HR 4372, "Health Care and Education Affordability Reconciliation Act", regarding all provisions.

Client expense: $1,150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

Implementation of healthcare reform legislation, health insurance cooperatives, multi-State plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, Federal rate review process restrictions on recissions, healthcare choice compacts, appeals procedures, disclosure requirements, high risk pool program - Executive Branch actions re PL 111-148 and PL 111-152. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *Regulatory reform - HR 1880, To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *Federal office of insurance information - HR 2609, To establish an Office of Insurance Information in the Department of the Treasury. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, 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. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers. *High risk pools - HR 5664, High-Risk Pool Fairness Act. *Effective date for prohibitionon rescissions - HR 5761, To amend the Patient Protection and Affordable Care Act to expedite the application of the provision prohibiting rescissions of health insurance coverage. *Government-run plan - HR 5808, To amend the Patient Protection and Affordable Care Act to establish a public health insurance option. *Guarantee-issue and open enrollment for Medigap policies - HR 5844, Fairness in Medigap Options Act of 2010. *Delaying implementation of the CLASS program - HR 5853, Fiscal Responsibility and Retirement Security Act. *Regulations of LTC insurance - HR 5890, Long-Term Care Insurance Reform Act of 2010. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010. *Employer reporting requirements - HR 5982, Small Business Tax Relief Act of 2010. *Requirements for private disability insurers - HR 6066, Preventing Social Security Fraud Act of 2010. *Supplemental disability insurance for Federal employees - HR 6368, Federal Employee Disability Insurance Act of 2010. *FTC authority - S 3685, Insurance Competition and Transparency Act of 2010. *Health coverage tax credit - S 3793, Job Creation and Tax Cuts Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Community Pharmacy Fairness Act of 2009 H.R. 1204 Healthy Americans Act H.R. 1321 Emergency Retiree Health Benefits Protection Act H.R. 1322 Long-Term Care Affordability and Security Act of 2009 H.R. 2096 Healthy Families Act H.R. 2460 The Patients Choice Act H.R. 2520 Family Leave Insurance Act of 2009 H.R. 1723 Tax Equity for Health Plan Beneficiaries Act of 2009 H.R. 2625 Prevent application of ERISA preemption to state law causes of action - H.R. 3925 Preservation of Access to Care for Medicare Beneficiaries and Pension Relief Act of 2010 -H.R. 3962/Public Law No: 111-192 Common Sense Health Care Reform and Affordability Act H.R. 4038 American Workers, State, and Business Relief Act H.R. 4213, Unemployment Compensation Extension Act of 2010 Public Law No: 111-205 Health Care Reform regulatory implementation and compliance issues from the Patient Protection and Affordable Care Act (PPACA) Public Law No: 111-148 & the Health Care and Education Reconciliation Act of 2010 (HCERA) Public Law No: 111-152 Senate Healthy Americans Act - S. 391 Long-Term Care Affordability and Security Act of 2009 S. 702 The Patients Choice Act S. 1099 Healthy Families Act S. 1152 Tax Equity for Health Plan Beneficiaries Act of 2009 S. 1153 Confidence in Long-Term Care Insurance Act S. 1177 Patient Centered Outcomes Research Act S. 1213 American Jobs Protection Act S. 3501 American Workers, State, and Business Relief Act H.R. 4213 & substitute amendment Health Care Reform regulatory implementation and compliance issues from the Patient Protection and Affordable Care Act (PPACA) Public Law No: 111-148 & the Health Care and Education Reconciliation Act of 2010 (HCERA) Public Law 111-152 Regulatory communication with covered federal officials on legislative issues Proposed rule on application of ERISA to state/local health reform efforts. COBRA premium subsidy assistance extension American Recovery and Reinvestment Act of 2009 (ARRA) included in the Department of Defense Appropriations Act of 2010 Guidance for and implementation of the Patient Protection and Affordable Care Act (PPACA) & the Health Care and Education Reconciliation Act of 2010 (HCERA) employer responsibility provisions, tax treatment of certain plans, transition period and good faith compliance standard, CLASS Act provisions, Early Retiree Reinsurance Program (ERRP), retiree only plans, grandfathered plans, grandfathering rules as applied to collectively bargained health plans, coverage of adult children, medical loss ratios (MLRs), limited benefit plans, quality improvement initiatives, meaningful use rules, preventive care, preexisting conditions, annual & lifetime limits, patient protections, claims and appeals procedures, external review, health information technology & electronic health records, health literacy and insurance exchanges Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 comments on Interim Final Regulations. Health Information Technology for Economic and Clinical Health (HITECH) Act

Client expense: $199,380 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act (Burgess) disclosure of coverage exclusions; H.R. 1583, Insurance Industry Competition Act (DeFazio) McCarran-Ferguson reforms; (cont.) H.R. 1691, Breast Cancer Patient Protection Act (DeLauro) hospital stays for breast cancer patients; H.R. 1880, National Insurance Consumer Protection Act (Bean) regulatory reform; H.R. 2609, Insurance Information Act (Kanjorski) Federal Office of Insurance Information; H.R. 3217, Health Care Choice Act (Shadegg) national marketplace; H.R. 3584, Health Care Consumer Protection Act (Forbes) reinstatement of coverage upon payment of overdue premiums; H.R. 3590, Patient Protection and Affordable Care Act (Reid) health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, restrictions on rescissions, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program; H.R. 3596, Health Insurance Industry Antitrust Enforcement Act (Conyers) McCarran-Ferguson reforms; H.R. 4078, Long-Term Care Insurance Disclosure Act (Perriello) model disclosure form for long-term care insurance; H.R. 4563, Cancer Screening Coverage Act (Maloney) coverage requirement for cancer screening; H.R. 4626, Health Insurance Industry Fair Competition Act (Perriello) McCarran-Ferguson reforms; H.R. 4757, Health Insurance Rate Authority Act (Schakowsky) federal rate review process; H.R. 4872, Health Care and Education Reconciliation Act (Spratt) changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; H.R. 5000, Dental Coverage Value and Transparency Act (Andrews) requirements for dental coverage; S. 688, Breast Cancer Patient Protection Act (Snowe) hospital stays for breast cancer patients; S. 1177, Confidence in Long-Term Care Insurance Act (Kohl) LTC consumer protections; S. 1459, Health Care Choice Act (DeMint) national marketplace; S. 1626, Long Term Care Insurance Integrity Act (Klobuchar) third party review of LTCI disputed claims; S. 1636, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms for LTC insurance; S. 1681, Health Insurance Industry Antitrust Enforcement Act (Leahy) McCarran-Ferguson reforms; S. 3078, Health Insurance Rate Authority Act (Feinstein) federal rate review process; S. 3217, Restoring American Financial Stability Act (Dodd) Leahy amendment on McCarran-Ferguson reforms INS (Regulatory) Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials; implementation of the Mental Health Parity Act requirements; issues related to COBRA subsidy requirements, issues related to genetic nondiscrimination, and issues relating to health care reform implementation.

Client expense: $2,290,000 · 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), Medicare Payment Advisory Commission (MedPAC), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

- HR 1721/ S 697, "A bill 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" a/k/a "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "Dodd-Frank Act", a/k/a, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title II, V, IX. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

Client expense: $1,270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

- HR 109, "To provide for the offering of Health Benefit Plans to individuals, to increase funding for State high risk health insurance pools, and to promote best practice protocols for State high risk pools" a/k/a "America's Affordable Health Care Act", regarding all provisions. - S 391/HR 1321, "A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away" a/k/a "Healthy Americans Act", regarding all provisions. - HR 1, "Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for fiscal year ending September 30, 2009, and for other purposes" a/k/a "American Recovery and Reinvestment Act of 2009", regarding COBRA Benefits Section 3002 and Comparative Effectiveness Council Section 9201. - HR 2096/S 702, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2520, "To provide comprehensive solutions for the health care system of the United States, and for other purposes", a/k/a "Patients Choice Act", regarding all provisions. - S 1099, "A bill to provide comprehensive solutions for the health care system of the United States, and for other purposes", a/k/a "Patients Choice Act", regarding all provisions. - S 1213, "A bill to amend title XI of the Social Security Act to provide for the conduct of comparative effectiveness research and to amend the Internal Revenue Code of 1986 to establish a Patient-Centered Outcomes Research Trust Fund, and for other purposes", a/k/a "Patient-Centered Outcome Research Act of 2009", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1679, "An original bill to make quality, affordable health care available to all Americans, reduce costs, improve health care quality, enhance disease prevention, and strengthen the health care workforce", a/k/a "Affordable Health Choices Act", regarding all provisions. - S 1730, "A bill to provide for minimum loss ratios for health insurance coverage", a/k/a "Fairness in Health Insurance Act of 2009", regarding all provisions. - HR 3200, "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes", a/k/a "America's Affordable Health Choices Act of 2009" regarding all provisions. - HR 3962, "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes", a/k/a, "Affordable Health Care for America Act", regarding all provisions. - HR 3590, "Patient Protection & Affordable Care Act", regarding all provisions. - S 1636, "A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance", a/k/a "Long-Term Care Insurance Consumer Right-to-Know Act", regarding all provisions. - HR 4372, "Health Care and Education Affordability Reconciliation Act", regarding all provisions.

Client expense: $1,270,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

Community Pharmacy Fairness Act of 2009 H.R. 1204 Healthy Americans Act H.R. 1321A Emergency Retiree Health Benefits Protection Act H.R. 1322 Family Leave Insurance Act of 2009 H.R. 1723 Long-Term Care Affordability and Security Act of 2009 H.R. 2096 Healthy Families Act H.R. 2460 The Patients Choice Act H.R. 2520 Tax Equity for Health Plan Beneficiaries Act of 2009 H.R. 2625 Health Care Reform regulatory implementation and compliance issues from the Patient Protection and Affordable Care Act (PPACA) Public Law No: 111-148 & the Health Care and Education Reconciliation Act of 2010 (HCERA) Public Law No: 111-152 Prevent application of ERISA preemption to state law causes of action - H.R. 3925 Affordable Health Care for America Act H.R. 3962 Common Sense Health Care Reform and Affordability Act H.R. 4038 American Workers, State, and Business Relief Act H.R. 4213, & substitute amendment Jobs for Main Street Act House Amendment to the Senate Amendment to H.R. 2847 Senate Healthy Americans Act - S. 391 Long-Term Care Affordability and Security Act of 2009 S. 702 The Patients Choice Act S. 1099 Healthy Families Act S. 1152 Tax Equity for Health Plan Beneficiaries Act of 2009 S. 1153 Confidence in Long-Term Care Insurance Act S. 1177 Patient Centered Outcomes Research Act S. 1213 The COBRA Subsidy Extension and Enhancement Act S. 2730 Health Care Reform regulatory implementation and compliance issues from the Patient Protection and Affordable Care Act (PPACA) Public Law No: 111-148 & the Health Care and Education Reconciliation Act of 2010 (HCERA) Public Law 111-152 American Workers, State, and Business Relief Act H.R. 4213 & substitute amendment Temporary Extension Act of 2010 H.R. 4691 Public Law No: 111-144 COBRA Subsidy Program extension Continuing Extension Act H.R. 4851: short-term COBRA extension The Democratic Substitute/Revised Version to the Continuing Extension Act H.R. 4851 Regulatory communication with covered federal officials on legislative issues Proposed rule on application of ERISA to state/local health reform efforts. COBRA premium subsidy assistance extension American Recovery and Reinvestment Act of 2009 (ARRA) included in the Department of Defense Appropriations Act of 2010. Guidance for and implementation of the Patient Protection and Affordable Care Act (PPACA) & the Health Care and Education Reconciliation Act of 2010 (HCERA) employer responsibility provisions, tax treatment of certain plans, transition period and good faith compliance standard, CLASS Act provisions, Early Retiree Reinsurance Program (ERRP), grandfathered plans, grandfathering rules as applied to collectively bargained health plans, coverage of adult children, medical loss ratios (MLRs), quality improvement initiatives, retiree-only plans, preexisting conditions, annual & lifetime limits, patient protections. Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 comments on Interim Final Regulations. Genetic Information Nondiscrimination Act (GINA) of 2008

Client expense: $222,965 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of, Vice President of the U.S., White House Office

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS, AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE FINANCING, AND MEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173/S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010 (FKA: WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009); PROVISIONS RELATED TO THE EXCLUSION OF RETIREMENT BENEFITS FROM CONSUMER FINANCIAL PROTECTION AGENCY, AND SENIOR INVESTOR PROTECTION ACT H.R. 4213: AMERICAN JOBS AND CLOSING TAX LOOPHOLES ACT OF 2010; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES (SAVE) ACT OF 2009; PROVISIONS RELATED TO SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHIN HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION H.R. 5297: SMALL BUSINESS JOBS AND CREDIT ACT OF 2010; PROVISIONS RELATED TO PARTIAL ANNUITIZATION AND ROTH CONVERSIONS OF 401(K) SAVINGS S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG-TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S. 1626: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS

Client expense: $810,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See attachment. RET Second Quarter Report 2010 H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit H.R. 1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H.R. 4213: American Jobs and Closing Tax Loopholes Act. Issue: Inclusion of 401 (k) plan fee disclosure. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. H.R. 5297 Small Business Lending Fund Act. Issue: Partial Annuitization and Roth Conversions of 401 (k) savings. S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. S. 3217/H.R. 4173 - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB.

Client expense: $1,620,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

McCarren-Ferguson health antitrust amendment - HR 4173, Restoring American Financial Stability Act of 2010; S 3217, Restoring American Financial Stability Act of 2010; S 1681, Health Insurance Industry Antitrust Enforcement Act of 2009. Durbin amendment re interchange fees - HR 4173, Restoring American Financial Stability Act of 2010; S 3217, Restoring American Financial Stability Act of 2010. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *Regulatory reform - HR 1880, To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *Federal office of insurance information - HR 2609, To establish an Office of Insurance Information in the Department of the Treasury. *National marketplace - HR 3217, Health Care Choice Act of 2009; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, 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. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers. *Third-party review of LTC insurance disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010. *Health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, Federal rate review process, restrictions on rescissions, healthcare choice compacts, appeals procedures, disclosure requirements, high-risk pool program - HR 3590, Patient Protection and Affordable Care Act. *Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *Requirements for dental coverage - HR 5000, Dental Coverage Value and Transparency Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 525 & S 406 - Association Health Plans. NAIFA opposes exempting AHP's from state benefit, regulatory oversight and solvency laws. S. 1995 allows AHP's to offer only issued plans that are subject to state solvency standards. Some regulatory oversight and an "average" of state mandated coverages. S. 725, HR 1470 - would amend IRC of 1986 to allow self emloyed individuals to deduct health insurance costs in computing self-employment taxes. NAIFA supports. S 207 - Amend the IRC of 1986 to allow deduction for health insurance premiums. NAIFA supports. HR 176 & HR 1177 - would allow unused flexible spending arrangement funds to be carried over to the next year. NAIFA & AHIA favors this option. HR 27 - An "Above the line" deduction for "higher deductible" health plans coupled with HSA's. NAIFA supports. HR 37, S. 978, HR 1872, HR 2063, HR 3873 creates Health Savings Accounts. NAIFA supports. HR 3511, S. 1569. NAIFA supports allowing states to establish LTC partnerships. HR 6331 - Would cut funding for Medicare Advantage - NAIFA opposes. HR 2096 & S. 702 - The Long-Term Care Affordability and Security Act of 2009 expands the authority under IRC Sectioin 125 that allows individuals to pay for certain benefits offered through cafeteria plans and/or flexible spending arrangement s with pre-tax dollars. AHIA & NAIFA support. HR 897 - Allows for Long Term Care insurance to be offered through cafeteria plans and/or FSA's as well as creates an above the line deduction for LTC premiums and provides a tax credit for caregivers. NAIFA & AHIA support. S.82 - A bill to amend title XXI of the Social Security Act to reauthorize the State Children's Health Insurance Program, to limit income eligibility expansions under that program until the lowest income eligible individuals are enrolled, and for other purposes. NAIFA supports. HR 1468 - To provide health care liability reform, and for other purposes. NAIFA supports. HR 1413 - To amend the Internal Revenue Code of 1986 to allow certain public employees a deductioin for distributions from governmental plans for health and long-term care insurance,and for other purposes. NAIFA supports. HR 1279 - To amend the Internal Revenue Code of 1986 to increase the contribution limits to dependent care flexible spending accounts and to provide for a carryover of unused dependent care benefits. NAIFA supports. S. 1177 - Confidence in Long Term Care Insurance Act would instruct the Health and Human Services Department to ask the NAIC to collect data and also create a website called "LTC Insurance Compare" to help consumers research long term care insurance. NAIFA supports. HR 563 - To amend title XXI of the Social Security Act to require States to provide priority under the State Children's Health Insurance Program (SCHIP) to children in families with gross income below 200 percent of the Federal poverty level. NAIFA supports. HR 542 - To amend titles XIX and XXI of the Social Security Act to permit States to rely on findings from an express plan agency to conduct simplified eligibility determinations under Medicaid and the State Children's Health Insurance Program. NAIFA supports. HR 198 - To amend the Internal Revenue Code of 1986 to allow a deduction for amounts paid for health insurance and prescription drug costs of individuals. NAIFA supports. HR 194 - To amend the Social Security Act to guarantee comprehensive health care coverage for all children born after 2009, and for other purposes. NAIFA opposes. HR 2 - To amend title XXI of the Social Security Act to extend and improve the Children's Health Insurance Program, and for other purposes. NAIFA opposes. S 94 - A bill to amend the Internal Revenue Code of 1986 to provide for a nonrefundable tax credit for long-term care insurance premiums. NAIFA supports. HR 1891 - To amend the Internal Revenue Code of 1986 to allow an above-the-line deduction for half of an individual's long-term care insruance premiums. NAIFA supports. HR 897 - To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs. NAIFA supports. HR 3590, HR 4872 - To enact the "Patient Protection and Affordable Care Act." NAIFA opposes certain provisions.

Client expense: $315,000 · Firm income: Not reported

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

S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R.1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. S.3217/H.R. 4173 - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB. H.R. 5297 Small Business Lending Fund Act. Issue: Partial Annuitization and Roth Conversions of 401 (k) savings. H.R. 4213: American Jobs and Closing Tax Loopholes Act. Issue: Inclusion of 401 (k) plan fee disclosure.

Client expense: $2,316,895 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 796, to repeal the authority of the Secretary of the Treasury to enter into private debt collection contracts H.R. 673, Law Enforcement Officers Equity Act H.R. 1655, Putting our Resources Toward Security (PORTS) Act H.R. 1722, Telework Improvement Act H.R. 1867, Border Violence Prevention Act of 2009 H.R. 1448, Border Reinforcement and Violence Reduction Act of 2009 H.R. 495, Southwest Border Violence Reduction Act of 2009 H.R. 1517, CBP Overseas Employment Bill H.R. 264, Save America Comprehensive Immigration Act of 2009 H.R. 235, Social Security Fairness Act of 2009 S. 484, Social Security Fairness Act of 2009 H.R. 626, the Federal Employees Paid Parental Leave Act S. 354, the Federal Employees Paid Parental Leave Act H.R. 1507, the Whistleblower Protection Enhancement Act of 2009 S. 707, Telework Act S. 515, Patent Reform Act H.R. 3126, the Consumer Financial Protection Agency Act H.R. 3114, Patent and Trademark fee Bill S. 1358, Patent and Trademark fee Bill H.R. 828, FERS Redeposit Act H.R. 2736, To Ensure Efficient Performance of Agency Functions S. 924, To Ensure Efficient Performance of Agency Functions S. 736, Federal Hiring Process H.R. 2200, TSA Authorization Act S. 1631, the Customs Facilitation and Trade Enforcement Act of 2009 H.R. 3264, Federal Internship Improvement Act S. 1177, Long Term Care Insurance Act of 2009 Comprehensive Hiring Reform H.R. 4173, Wall Street Reform and Consumer Protection Act S.2901, Acquisition Workforce Improvement Act H.R. 4832, One America, Many Voices Act H.R. 4735, To Require the Federal Government to Fire Workers who have Federal Tax Liabilities H.R. 4865, the Federal Employees and Uniformed Services Retirement Equity Act S. 674, Supervisor Training Bill S. 2789, Roosevelt Scholars Act H.R. 5136, Department of Defense Authorization Act, FY 2011 S. 806, Federal Executive Board Authorization Act, 2009 H.R. 4213, American Jobs and Closing Tax Loopholes Act of 2010 H.R. 4994, Taxpayer Assistance Act of 2010 S. 3215, Taxpayer Bill of Rights Act of 2010 H.R. 5136, Department of Defense Authorization Act of 2011 S. 3454, Department of Defense Authorization Act of 2011 H.Res. 1187, Public awareness of attacks against Federal employees H.R. 5590, Counterterrorism Enforcement and DHS Authorization Act of 2010 S. 3243 Anti-Border Corruption Act of 2010

Client expense: $173,167 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Defense, Dept of (DOD), Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Food & Drug Administration (FDA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Customs & Border Protection

Comprehensive proposals related to long-term care insurance, including S. 1177, Confidence in Long-Term Care Insurance Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1192 To amend the Internal Revenue Code of 1986 to provide more help to Alzheimer's disease caregivers. Long Term Care Trust Accounts Act S.702 Long Term Care Affordability and Security Act S.697 CLASS Act S.1177 A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. H.R.519 To authorize additional appropriations for the family caregiver support program under the Older Americans Act of 1965, and for the National Clearinghouse for Long-Term Care Information, for fiscal years 2010, 2011, and 2012. H.R.2096 Long Term Care Cafeteria and Flexible Spending Account H.R.1721 CLASS Act H.R.897 Deduction for Long Term Care Insurance Premiums under Cafeteria Plans and Flexible Spending Arrangements S.1626 Long Term Care insurance Integrity Act of 2009 S.1796 An original bill to provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes. H.R.3200 America's Affordable Health Choices Right-to-Know Act of 2009 S.1679 Affordable Health Choices Act H.R.3962 Affordable Healthcare for America Act S1728 Patient Protection and Affordable Care Act of 2009

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE HR 1721/S. 697: COMMUNITY LIVING ASSISTANCE SERVICES AND SUPPORTS ACT; PROVISIONS RELATED TO REFORM OF LONG TERM CARE FINANCING H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT HR 2096/S 702: LONG TERM CARE AFFORDABILITY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE IN CAFETERIA PLANS AND FLEXIBLE SPENDING ARRANGEMENTS H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS, AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE AND SUPPLEMENTAL PRODUCTS FINANCING, ANDMEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009; PROVISIONS RELATED TO THE EXCLUSION OF RETIREMENT BENEFITS FROM CONSUMER FINANCIAL PROTECTION AGENCY, SUITIBILITY OF INSURANCE PRODUCT SALES TO SENIORS, AND SALE OF ANNUITIES H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES ACT OF 2009; PROVISIONS RELATED TO FOR SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHING HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1226: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO SENIOR INVESTOR PROTECTION ACT, AND EMPLOYER BENEFIT PLANS WITHIN CONSUMER FINANCIAL PROTECTION BUREAU

Client expense: $1,020,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 519: ELDER CAREGIVER SUPPORT AND INFORMATION ENHANCEMENT ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE INFORMATION CLEARINGHOUSE HR 1721/S. 697: COMMUNITY LIVING ASSISTANCE SERVICES AND SUPPORTS ACT; PROVISIONS RELATED TO REFORM OF LONG TERM CARE FINANCING H.R. 1961: SAVINGS FOR AMERICAN FAMILIES FUTURE ACT OF 2009; PROVISIONS RELATED TO SAVERS' CREDIT H.R.1984: 401(K) FAIR DISCLOSURE FOR RETIREMENT SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 1988: CONFLICTED INVESTMENT ADVICE PROHIBITION ACT OF 2009; PROVISIONS RELATED TO INVESTMENT ADVICE H.R. 2021: SAVINGS RECOVERY ACT OF 2009; PROVISIONS RELATED TO SAVERS CREDIT HR 2096/S 702: LONG TERM CARE AFFORDABILITY AND SECURITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE IN CAFETERIA PLANS AND FLEXIBLE SPENDING ARRANGEMENTS H.R. 2733/S. 1389: FIXED INDEXED ANNUITIES AND INSURANCE PRODUCTS CLASSIFICATION ACT OF 2009; PROVISIONS RELATED TO CLARIFICATION FOR FIXED ANNUITIES REGULATION H.R. 2748: RETIREMENT SECURITY NEEDS LIFETIME PAY ACT OF 2009; PROVISIONS RELATED TO TAX INCENTIVES FOR ANNUITIES H.R. 2779: DEFINED CONTRIBUTION PLAN FEE TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE H.R. 2792: RETIREMENT SAVINGS TRANSPARENCY ACT OF 2009; PROVISIONS RELATED TO PLAN FEE DISCLOSURE H.R. 2989: 401 (K) FAIR DISCLOSURE AND PENSION SECURITY ACT OF 2009; PROVISIONS RELATED TO RETIREMENT PLAN FEE DISCLOSURE H.R. 3551 /S. 1661/S. 906: SENIOR INVESTMENT PROTECTION ACT OF 2009; PROVISIONS RELATED TO PRODUCT SALES TO SENIORS, AND ANNUITIES SALES H.R. 3590: THE PATIENT PROTECTION AND AFFORDABLE CARE ACT; PROVISIONS RELATED TO LONG TERM CARE AND SUPPLEMENTAL PRODUCTS FINANCING, ANDMEDICARE TAX ON NONQUALIFIED ANNUITY INCOME H.R. 4126: RETIREMENT FAIRNESS ACT OF 2009; PROVISIONS RELATED TO MODIFICATION OF 401(K) PLAN RULES H.R. 4173: WALL STREET REFORM AND CONSUMER PROTECTION ACT OF 2009; PROVISIONS RELATED TO THE EXCLUSION OF RETIREMENT BENEFITS FROM CONSUMER FINANCIAL PROTECTION AGENCY, SUITIBILITY OF INSURANCE PRODUCT SALES TO SENIORS, AND SALE OF ANNUITIES H.R. 4626: HEALTH INSURANCE INDUSTRY FAIR COMPETITION ACT; PROVISIONS RELATED TO INSURANCE ANTI-TRUST REGULATIONS (MCCARRON-FERGUSON) H.R. 4742: SMALL BUSINESSES ADD VALUE FOR EMPLOYEES ACT OF 2009; PROVISIONS RELATED TO FOR SIMPLIFICATION OF SIMPLE IRAS, AND VOLUNTARY AUTO IRAS H.R. 4872: HEALTH CARE AND EDUCATION RECONCILIATION ACT OF 2010; PROVISIONS RELATED TO LONG TERM CARE FINANCING WITHING HEALTH CARE REFORM, AND UNEARNED INCOME TAXATION S. 401: DEFINED CONTRIBUTION FEE DISCLOSURE ACT OF 2009; PROVISIONS RELATED TO 401(K) PLAN FEE DISCLOSURE S. 1177: CONFIDENCE IN LONG TERM CARE INSURANCE ACT OF 2009; PROVISIONS RELATED TO CONSUMER PROTECTION IN LONG TERM CARE S. 1226: LONG TERM CARE INSURANCE INTEGRITY ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE S. 1297: RETIREMENT SECURITY FOR LIFE ACT OF 2009; PROVISIONS RELATED TO NON-QUALIFIED ANNUITIES TAX INCENTIVES S.1636: LONG TERM CARE INSURANCE CONSUMER RIGHT-TO-KNOW ACT OF 2009; PROVISIONS RELATED TO LONG TERM CARE CONSUMER PROTECTIONS S. 2832: LIFETIME INCOME DISCLOSURE ACT; PROVISIONS RELATED TO ANNUITY ILLUSTRATION ON BENEFIT STATEMENTS S. 3217: RESTORING AMERICAN FINANCIAL STABILITY ACT OF 2010; PROVISIONS RELATED TO SENIOR INVESTOR PROTECTION ACT, AND EMPLOYER BENEFIT PLANS WITHIN CONSUMER FINANCIAL PROTECTION BUREAU

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 716, Access to Cancer Clinical Trials Act (Israel) clinical trials coverage mandate; H.R. 850, Small Business CHOICE Act (Velazquez) small employer health options; H.R. 859, Small Business CHOICE Act (Velazquez) small employer health options; (cont.) INS (Legislative) H.R. 1085, Health Insurance Coverage Protection Act (Eshoo) lifetime benefit limits; H.R. 1092, No Discrimination in Health Insurance Act (Kagen) preexisting condition exclusions, affiliation periods, uniform premiums; H.R. 1253, Health Insurance Restrictions and Limitations Clarification Act (Burgess) disclosure of coverage exclusions; H.R. 1321, Healthy Americans Act (Eshoo) comprehensive health reform; H.R. 1558, Preexisting Condition Patient Protection Act (Courtney) preexisting condition exclusions; H.R. 1583, Insurance Industry Competition Act (DeFazio) McCarran Ferguson reforms; H.R. 1619, Children's Health Protection Act (Schwartz) preexisting condition exclusions for children; H.R. 1691, Breast Cancer Patient Protection Act (DeLauro) rescissions, hospital stays for breast cancer patients; H.R. 1721, CLASS Act (Pallone) national LTC program; H.R. 1880, National Insurance Consumer Protection Act (Bean) regulatory reform; H.R. 2360, SHOP Act (Kind) small employer health options; H.R. 2402, Woman's Health Insurance Fairness Act (Neal) gender rating for health insurance; H.R. 2413, Autism Treatment Acceleration Act (Doyle) coverage for autism spectrum disorders; H.R. 2427, Informed Consumer Choices in Health Care Act (DeLauro) federal standards for health insurance, consumer information; H.R. 2457, Right to a Second Medical Opinion Act (Davis) coverage of second opinions; H.R. 2609, Insurance Information Act (Kanjorski) Federal Office of Insurance Information; H.R. 2635, Gender Equity in Health Premiums Act (Sanchez) gender rating for health insurance; H.R. 2833, Medical Loss Ratios (Ellison) medical loss ratios; H.R. 2940, Women's Obstetrician and Gynecologist Medical Access Now Act (Davis) direct access to ob/gyns; H.R. 3200, Americas Affordable Health Choices Act (Dingell) government-run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance; H.R. 3217, Health Care Choice Act (Shadegg) national marketplace; H.R. 3584, Health Care Consumer Protection Act (Forbes) reinstatement of coverage upon payment of overdue premiums; H.R. 3590, Patient Protection and Affordable Care Act (Reid) government-run health plan, health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program, McCarran-Ferguson Act; H.R. 3596, Health Insurance Industry Antitrust Enforcement Act (Conyers) changes to McCarran-Ferguson Act; H.R.3681, Fairness in Health Insurance Act (Ellison) medical loss ratios; H.R. 3962, Americas Affordable Health Choices Act (Dingell) government-run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, federal rate review process, health care choice compacts, high risk pool program, McCarran-Ferguson Act; H.R. 4078, Long-Term Care Insurance Disclosure Act (Perriello) model disclosure form for long-term care insurance; H.R. 4563, Cancer Screening Coverage Act (Maloney) coverage requirement for cancer screening; H.R. 4626, Health Insurance Industry Fair Competition Act (Perriello) McCarran-Ferguson antitrust exemption; H.R. 4757, Health Insurance Rate Authority Act (Schakowsky) federal rate review process; H.R. 4872, Health Care and Education Reconciliation Act (Spratt) changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; S. 79, Healthy Businesses, Healthy Workers Reinsurance Act (Kerry) reinsurance; S. 93, Small Business Empowerment Act (Brown) small employer health options; S. 391, Healthy Americans Act (Wyden) comprehensive health reform; S. 442, Health Insurance Coverage Protection Act (Dorgan) lifetime benefit limits; S. 488, Access to Cancer Clinical Trials Act (Brown) clinical trials coverage mandate; S. 623, Pre-existing Condition Patient Protection Act (Rockefeller) preexisting condition exclusions; S. 643, Children's Health Protection Act (Lautenberg) preexisting condition exclusions for children; S. 688, Breast Cancer Patient Protection Act (Snowe) rescissions, hospital stays for breast cancer patients; S. 697, CLASS Act (Kennedy) national LTC program; S. 819, Autism Treatment Acceleration Act (Durbin) coverage for autism spectrum disorders; S. 969, Women's Health Insurance Fairness Act (Kerry) gender rating for health insurance; S. 979, SHOP Act (Durbin) small employer health options; S. 1050, Informed Consumer Choices in Health Care Act (Rockefeller) federal standards for health insurance, consumer information; S. 1149, Annual and Lifetime Health Care Limit Elimination Act (Rockefeller) annual and lifetime coverage limits; S. 1177, Confidence in Long-Term Care Insurance Act (Kohl) LTC consumer protections; (cont.) INS (Legislative) S. 1459, Health Care Choice Act (DeMint) national marketplace; S. 1626, Long Term Care Insurance Integrity Act (Klobuchar) third party review of LTCI disputed claims; S. 1636, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms for LTC insurance; S. 1679, Affordable Health Choices Act (Harkin) government-run health plan, insurance market reforms, health benefit gateways, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance; S. 1681, Health Insurance Industry Antitrust Enforcement Act (Leahy) changes to McCarran-Ferguson Act; S. 1730, Fairness in Health Insurance Act (Franken) medical loss ratios; S. 1796, Americas Healthy Future Act (Baucus) government-run health plan, health insurance cooperatives, health insurance exchange, insurance market reforms, individual coverage requirement, benefit packages, premium assistance, medical loss ratios, regulatory reform; S. 3078, Health Insurance Rate Authority Act (Feinstein) federal rate review process INS (Regulatory) Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials; implementation of the Mental Health Parity Act requirements; issues related to COBRA subsidy requirements, and issues related to genetic nondiscrimination.

Client expense: $2,700,000 · 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), Medicare Payment Advisory Commission (MedPAC), Office of Personnel Management (OPM), SENATE, Social Security Administration (SSA), Treasury, Dept of

- Health Care Reform - HR 109, "To provide for the offering of Health Benefit Plans to individuals, to increase funding for State high risk health insurance pools, and to promote best practice protocols for State high risk pools" a/k/a "America's Affordable Health Care Act", regarding all provisions. - S 391/HR 1321, "A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away" a/k/a "Healthy Americans Act", regarding all provisions. - HR 1, "Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for fiscal year ending September 30, 2009, and for other purposes" a/k/a "American Recovery and Reinvestment Act of 2009", regarding COBRA Benefits Section 3002 and Comparative Effectiveness Council Section 9201. - HR 2096/S 702, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2520, "To provide comprehensive solutions for the health care system of the United States, and for other purposes", a/k/a "Patients Choice Act", regarding all provisions. - S 1099, "A bill to provide comprehensive solutions for the health care system of the United States, and for other purposes", a/k/a "Patients Choice Act", regarding all provisions. - S 1213, "A bill to amend title XI of the Social Security Act to provide for the conduct of comparative effectiveness research and to amend the Internal Revenue Code of 1986 to establish a Patient-Centered Outcomes Research Trust Fund, and for other purposes", a/k/a "Patient-Centered Outcome Research Act of 2009", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1679, "An original bill to make quality, affordable health care available to all Americans, reduce costs, improve health care quality, enhance disease prevention, and strengthen the health care workforce", a/k/a "Affordable Health Choices Act", regarding all provisions. - S 1730, "A bill to provide for minimum loss ratios for health insurance coverage", a/k/a "Fairness in Health Insurance Act of 2009", regarding all provisions. - HR 3200, "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes", a/k/a "America's Affordable Health Choices Act of 2009" regarding all provisions. - HR 3962, "To provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes", a/k/a, "Affordable Health Care for America Act", regarding all provisions. - HR 3590, "Patient Protection & Affordable Care Act", regarding all provisions. - S 1636, "A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance", a/k/a "Long-Term Care Insurance Consumer Right-to-Know Act", regarding all provisions. - HR 4372, "Health Care and Education Affordability Reconciliation Act", regarding all provisions.

Client expense: $1,240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

- Systemic Risk Regulator - Insurance Regulation - Office of Insurance Information - HR 1721/ S 697, "A bill 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" a/k/a "Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - S 434, "A bill to amend title XIX of the Social Security Act to improve the State plan amendment option for providing home and community-based services under the Medicaid program, and for other purposes" a/k/a "Empowered at Home Act", regarding all provisions. - HR 897, "To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs" a/k/a "Long-Term Care and Retirement Security Act of 2009", regarding all provisions. - HR 1880, "To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers", a/k/a "The National Insurance Consumer Protection Act", regarding all provisions. - HR 2609, "To establish an Office of Insurance Information in the Department of the Treasury", a/k/a "Insurance Information Act of 2009", regarding all provisions. -HR 2554, "To reform the National Association of Registered Agents and Brokers, and for other purposes", regarding all provisions. - HR 1721/S 697, "A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes", a/k/a "Community Living Assistance Services and Supports Act", regarding all provisions. - S 1177, "A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes", a/k/a "Long-Term Care Insurance Act of 2009", regarding all provisions. - HR 2096, "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", a/k/a "The Long-Term Care Affordability and Security Act of 2009", regarding all provisions. - The Administration's Regulatory Reform Proposal, regarding all provisions. - HR 4173, "To provide for financial regulatory reform, to protect consumers and investors, to enhance Federal understanding of insurance issues, to regulate the over-the-counter derivatives markets, and for other purposes", a/k/a "Wall Street Reform & Consumer Protection Act of 2009", regarding Title VI and Title I Subtitle G. - HR 3126, "To establish the Consumer Financial Protection Agency, and for other purposes", a/k/a, "Consumer Financial Protection Agency Act of 2009", regarding all provisions. - "Restoring American Financial Stability Act", regarding all provisions.

Client expense: $1,240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

HR 525 & S 406 - Association Health Plans. NAIFA opposes exempting AHP's from state benefit, regulatory oversight and solvency laws. S. 1995 allows AHP's to offer only issued plans that are subject to state solvency standards. Some regulatory oversight and an "average" of state mandated coverages. S. 725, HR 1470 - would amend IRC of 1986 to allow self emloyed individuals to deduct health insurance costs in computing self-employment taxes. NAIFA supports. HR 3590 - Provides health care for most americans, controls costs and enhances health care system quality. NAIFA remains concerned that this proposal will increase costs to families and businesses. HR 1558, S. 623, HR 1092 - Amends title I of ERISA, title XXVII of the Public Service Act & IRC of 1986 to prohibit preexisting condition exclusions in group health plans and in health coverage in the group and individual markets. NAIFA opposes. S 207 - Amend the IRC of 1986 to allow deduction for health insurance premiums. NAIFA supports. HR 176 & HR 1177 - would allow unused flexible spending arrangement funds to be carried over to the next year. NAIFA & AHIA favors this option. HR 27 - An "Above the line" deduction for "higher deductible" health plans coupled with HSA's. NAIFA supports. S.4 the Health American Act. NAIFA supports many provisions but concerned over the bills support for AHPs. HR 37, S. 978, HR 1872, HR 2063, HR 3873 creates Health Savings Accounts. NAIFA supports. HR 3511, S. 1569. NAIFA supports allowing states to establish LTC partnerships. HR 6331 - Would cut funding for Medicare Advantage - NAIFA opposes. HR 2096 & S. 702 - The Long-Term Care Affordability and Security Act of 2009 expands the authority under IRC Sectioin 125 that allows individuals to pay for certain benefits offered through cafeteria plans and/or flexible spending arrangement s with pre-tax dollars. AHIA & NAIFA support. HR 897 - Allows for Long Term Care insurance to be offered through cafeteria plans and/or FSA's as well as creates an above the line deduction for LTC premiums and provides a tax credit for caregivers. NAIFA & AHIA support. S. 93 - A bill to provide quality affordable health insurance for small employers and individuals. S.82 - A bill to amend title XXI of the Social Security Act to reauthorize the State Children's Health Insurance Program, to limit income eligibility expansions under that program until the lowest income eligible individuals are enrolled, and for other purposes. NAIFA supports. S. 45 - A bill to improve patient access to health care services and provide improved medical care by reducing the excessive burden the liability system places on the health care delivery system. NAIFA supports. HR 1468 - To provide health care liability reform, and for other purposes. NAIFA supports. HR 1413 - To amend the Internal Revenue Code of 1986 to allow certain public employees a deductioin for distributions from governmental plans for health and long-term care insurance,and for other purposes. NAIFA supports. HR 1279 - To amend the Internal Revenue Code of 1986 to increase the contribution limits to dependent care flexible spending accounts and to provide for a carryover of unused dependent care benefits. NAIFA supports. S. 1177 - Confidence in Long Term Care Insurance Act would instruct the Health and Human Services Department to ask the NAIC to collect data and also create a website called "LTC Insurance Compare" to help consumers research long term care insurance. NAIFA supports. HR 563 - To amend title XXI of the Social Security Act to require States to provide priority under the State Children's Health Insurance Program (SCHIP) to children in families with gross income below 200 percent of the Federal poverty level. NAIFA supports. HR 542 - To amend titles XIX and XXI of the Social Security Act to permit States to rely on findings from an express plan agency to conduct simplified eligibility determinations under Medicaid and the State Children's Health Insurance Program. NAIFA supports. HR 198 - To amend the Internal Revenue Code of 1986 to allow a deduction for amounts paid for health insurance and prescription drug costs of individuals. NAIFA supports. HR 194 - To amend the Social Security Act to guarantee comprehensive health care coverage for all children born after 2009, and for other purposes. NAIFA opposes. HR 109 - To provide for the offering of Health Benefit Plans to individuals, to increase funding for State high risk health insurance pools, and to promote best practice protocols for State high risk pools. NAIFA supports. HR 15 - To provide a program of national health insurance, and for other purposes. NAIFA opposes. HR 2 - To amend title XXI of the Social Security Act to extend and improve the Children's Health Insurance Program, and for other purposes. NAIFA opposes. S 94 - A bill to amend the Internal Revenue Code of 1986 to provide for a nonrefundable tax credit for long-term care insurance premiums. NAIFA supports. HR 1891 - To amend the Internal Revenue Code of 1986 to allow an above-the-line deduction for half of an individual's long-term care insruance premiums. NAIFA supports. HR 897 - To amend the Internal Revenue Code of 1986 to allow individuals a deduction for qualified long-term care insurance premiums, use of such insurance under cafeteria plans and flexible spending arrangements, and a credit for individuals with long-term care needs. NAIFA supports. HR 3590, HR 4872 - To enact the "Patient Protection and Affordable Care Act." NAIFA opposes certain provisions.

Client expense: $315,000 · Firm income: Not reported

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

H.R. 796, to repeal the authority of the Secretary of the Treasury to enter into private debt collection contracts H.R. 673, Law Enforcement Officers Equity Act H.R. 1655, Putting our Resources Toward Security (PORTS) Act H.R. 1722, Telework Improvement Act H.R. 1867, Border Violence Prevention Act of 2009 H.R. 1448, Border Reinforcement and Violence Reduction Act of 2009 H.R. 495, Southwest Border Violence Reduction Act of 2009 H.R. 1517, CBP Overseas Employment Bill H.R. 264, Save America Comprehensive Immigration Act of 2009 H.R. 235, Social Security Fairness Act of 2009 S. 484, Social Security Fairness Act of 2009 H.R. 626, the Federal Employees Paid Parental Leave Act S. 354, the Federal Employees Paid Parental Leave Act H.R. 1507, the Whistleblower Protection Enhancement Act of 2009 S. 707, Telework Act S. 515, Patent Reform Act H.R. 3126, the Consumer Financial Protection Agency Act H.R. 3114, Patent and Trademark fee Bill S. 1358, Patent and Trademark fee Bill H.R. 828, FERS Redeposit Act H.R. 2736, To Ensure Efficient Performance of Agency Functions S. 924, To Ensure Efficient Performance of Agency Functions S. 736, Federal Hiring Process H.R. 2200, TSA Authorization Act S. 1631, the Customs Facilitation and Trade Enforcement Act of 2009 Draft Senate Financial Regulatory Reform Bill Draft House National Banking Supervision Bill H.R. 3264, Federal Internship Improvement Act S. 1177, Long Term Care Insurance Act of 2009 Comprehensive Hiring Reform H.R. 4173, Wall Street Reform and Consumer Protection Act Acquisition Workforce Improvement Act (Senate) Acquisition Workforce Improvement Act H.R. 4832, One America, Many Voices Act H.R. 4735, To Require the Federal Government to Fire Workers who have Federal Tax Liabilities H.R. 4865, the Federal Employees and Uniformed Services Retirement Equity Act S. 674, Supervisor Training Bill S. 2789, Roosevelt Scholars Act Department of Defense Authorization Act - House Department of Defense Authorization Act - Senate S. 806, Federal Executive Board Authorization Act, 2009

Client expense: $171,794 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Defense, Dept of (DOD), Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Election Commission (FEC), Food & Drug Administration (FDA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Customs & Border Protection

HR 1721, CLASS Act - national LTC program; HR 2360, SHOP Act - small employer health options; HR 3200, America's Affordable Health Choices Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance; HR 3590, Patient Protection and Affordable Care Act - government run health plan, health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program, McCarran-Ferguson Act; HR 3962, Affordable Health Care for America Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, federal rate review process, health care choice compacts, high risk pool program, McCarran Ferguson Act; HR 4757, Health Insurance Rate Authority Act - federal rate review process; HR 4872, Health Care and Education Reconciliation Act - changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; S 391, Healthy Americans Act - comprehensive health reform; S 697, CLASS Act - national LTC program; S 979, SHOP Act - small employer health options; S 1177, Confidence in Long-Term Care Insurance Act - LTC consumer protections; S 1679, Affordable Health Choices Act - government run health plan, insurance market reforms, health benefit gateways, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance; S 1681, Health Insurance Industry Antitrust Enforcement Act - changes to McCarran Ferguson Act; S 1796, America's Health Future Act - government run health plan, health insurance cooperatives, health insurance exchange, insurance market reforms, individual coverage requirement, benefit packages, premium assistance, medical loss ratios, regulatory reform; S 3078, Health Insurance Rate Authority Act - federal rate review process

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

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

HR 1721, CLASS Act - national LTC program; HR 2360, SHOP Act - small employer health options; HR 3200, America's Affordable Health Choices Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance; HR 3590, Patient Protection and Affordable Care Act - government run health plan, health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program, McCarran-Ferguson Act; HR 3962, Affordable Health Care for America Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, federal rate review process, health care choice compacts, high risk pool program, McCarran Ferguson Act; HR 4757, Health Insurance Rate Authority Act - federal rate review process; HR 4872, Health Care and Education Reconciliation Act - changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; S 391, Healthy Americans Act - comprehensive health reform; S 697, CLASS Act - national LTC program; S 979, SHOP Act - small employer health options; S 1177, Confidence in Long-Term Care Insurance Act - LTC consumer protections; S 1679, Affordable Health Choices Act - government run health plan, insurance market reforms, health benefit gateways, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance; S 1681, Health Insurance Industry Antitrust Enforcement Act - changes to McCarran Ferguson Act; S 1796, America's Health Future Act - government run health plan, health insurance cooperatives, health insurance exchange, insurance market reforms, individual coverage requirement, benefit packages, premium assistance, medical loss ratios, regulatory reform; S 3078, Health Insurance Rate Authority Act - federal rate review process

Client expense: Not reported · Firm income: $80,000

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

HR 1721, CLASS Act - national LTC program; HR 2360, SHOP Act - small employer health options; HR 3200, America's Affordable Health Choices Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance; HR 3590, Patient Protection and Affordable Care Act - government run health plan, health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program, McCarran-Ferguson Act; HR 3962, Affordable Health Care for America Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, federal rate review process, health care choice compacts, high risk pool program, McCarran Ferguson Act; HR 4757, Health Insurance Rate Authority Act - federal rate review process; HR 4872, Health Care and Education Reconciliation Act - changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; S 391, Healthy Americans Act - comprehensive health reform; S 697, CLASS Act - national LTC program; S 979, SHOP Act - small employer health options; S 1177, Confidence in Long-Term Care Insurance Act - LTC consumer protections; S 1679, Affordable Health Choices Act - government run health plan, insurance market reforms, health benefit gateways, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance; S 1681, Health Insurance Industry Antitrust Enforcement Act - changes to McCarran Ferguson Act; S 1796, America's Health Future Act - government run health plan, health insurance cooperatives, health insurance exchange, insurance market reforms, individual coverage requirement, benefit packages, premium assistance, medical loss ratios, regulatory reform; S 3078, Health Insurance Rate Authority Act - federal rate review process

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

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

HR 1721, CLASS Act - national LTC program; HR 2360, SHOP Act - small employer health options; HR 3200, America's Affordable Health Choices Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance; HR 3590, Patient Protection and Affordable Care Act - government run health plan, health insurance cooperatives, multi-state plans, insurance market reforms, health insurance exchanges, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance, federal rate review process, health care choice compacts, appeals procedures, disclosure requirements, high risk pool program, McCarran-Ferguson Act; HR 3962, Affordable Health Care for America Act - government run health plan, health insurance exchange, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, federal rate review process, health care choice compacts, high risk pool program, McCarran Ferguson Act; HR 4757, Health Insurance Rate Authority Act - federal rate review process; HR 4872, Health Care and Education Reconciliation Act - changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms; S 391, Healthy Americans Act - comprehensive health reform; S 697, CLASS Act - national LTC program; S 979, SHOP Act - small employer health options; S 1177, Confidence in Long-Term Care Insurance Act - LTC consumer protections; S 1679, Affordable Health Choices Act - government run health plan, insurance market reforms, health benefit gateways, benefit packages, medical loss ratios, CLASS Act, regulatory reform, individual coverage requirement, premium assistance; S 1681, Health Insurance Industry Antitrust Enforcement Act - changes to McCarran Ferguson Act; S 1796, America's Health Future Act - government run health plan, health insurance cooperatives, health insurance exchange, insurance market reforms, individual coverage requirement, benefit packages, premium assistance, medical loss ratios, regulatory reform; S 3078, Health Insurance Rate Authority Act - federal rate review process

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

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

Community Pharmacy Fairness Act of 2009 H.R. 1204 Healthy Americans Act H.R. 1321 Emergency Retiree Health Benefits Protection Act H.R. 1322 Family Leave Insurance Act of 2009 H.R. 1723 Long-Term Care Affordability and Security Act of 2009 H.R. 2096 Healthy Families Act (mandatory sick leave) H.R. 2460 The Patients Choice Act H.R. 2520 Tax Equity for Health Plan Beneficiaries Act of 2009 H.R. 2625 Health Care Reform issues affecting employer sponsored plans, employer responsibilities, accounting for part-time workers, ERISA preemption, quality, wellness provisions, financing, delivery, costs, coverage, tax policy; minimum benefits standard, pay or play requirements, public health insurance plan option, taxation of Medicare Part D subsidy, The Community Living Assistance Services and Support Program (CLASS Act), Health Savings Accounts (HSAs), Flexible Spending Arrangements (FSAs), effectives dates and transition period Patient Protection and Affordable Care Act (PPACA) H.R. 3590, Public Law No: 111-148 Prevent application of ERISA preemption to state law causes of action - H.R. 3925 Extended COBRA Continuation Protection Act of 2009 H.R. 3930 Affordable Health Care for America Act H.R. 3962 Common Sense Health Care Reform and Affordability Act H.R. 4038 American Workers, State, and Business Relief Act H.R. 4213, & substitute amendment Department of Defense Appropriations Act for Fiscal Year 2010 (House Amendment to the Senate Amendment to H.R. 3326. Public Law No: 111-118 COBRA Subsidy Program Jobs for Main Street Act House Amendment to the Senate Amendment to H.R. 2847 Temporary Extension Act of 2010 H.R. 4691 Public Law No: 111-144, COBRA Subsidy Program extension Health Care and Education Affordability Reconciliation Act of 2010 H.R. 4872: package of modifications to H.R. 3590 Fiscal Year 2011 Budget health plan proposals Presidents Proposal on Health Care Reform summary (2/22) Healthy Americans Act - S. 391 Long-Term Care Affordability and Security Act of 2009 S. 702 The Patients Choice Act S. 1099 Healthy Families Act (mandatory sick leave) S. 1152 Tax Equity for Health Plan Beneficiaries Act of 2009 S. 1153 Confidence in Long-Term Care Insurance Act S. 1177 Patient Centered Outcomes Research Act S. 1213 Health Care Reform issues affecting employer sponsored plans, employer responsibilities, part-time, seasonal, and short-term worker issues, ERISA preemption, quality, wellness provisions, financing, delivery, costs, coverage, tax policy; minimum benefits standard, pay or play requirements, public health insurance plan option, taxation of Medicare Part D subsidy, The Community Living Assistance Services and Support Program (CLASS Act), Health Savings Accounts (HSAs), Flexible Spending Arrangements (FSAs), effectives dates and transition period The COBRA Subsidy Extension and Enhancement Act S. 2730 Patient Protection and Affordable Care Act (PPACA) H.R. 3590, Law No: 111-148 American Workers, State, and Business Relief Act H.R. 4213 & substitute amendment Temporary Extension Act of 2010 H.R. 4691 Public Law No: 111-144 COBRA Subsidy Program extension Health Care and Education Affordability Reconciliation Act of 2010 H.R. 4872: package of modifications to H.R. 3590 Continuing Extension Act H.R. 4851: short-term COBRA extension Hiring Incentives to Restore Employment Act (HIRE) COBRA subsidy extension Fiscal Year 2011 Budget health plan proposals Presidents Proposal on Health Care Reform summary (2/22) Regulatory communication with covered federal officials on legislative issues DOL/Employee Benefits Security Administration, EBSA) health care reform legislation and implementation, ERISA preemption DOL/Employee Benefits Security Administration (EBSA)/Office of Management and Budget (OMB) - proposed rule on application of ERISA to state/local health reform efforts DOL /EBSA)/IRS/Treasury/HHS - Genetic Information Nondiscrimination Act (GINA) of 2008 Treasury/IRS/DOL/EBSA COBRA premium subsidy assistance extension American Recovery and Reinvestment Act of 2009 (ARRA) included in the Department of Defense Appropriations Act of 2010 DOL/HHS-CMS/Treasury/IRS Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 Interim Final Regulations Commerce, Office of the Secretary taxation of Medicare Part D subsidy White House/Executive Office of the President: OMB & NEC Stand for Quality Coalition health care reform White House/Executive Office of the President - health care reform Office of the Vice President health care reform: taxation of Medicare Part D Subsidy

Client expense: $258,735 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of the Vice President of the United States, Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of, White House Office

See attachment.. RET First Quarter Report 2010 H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit H.R. 1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H. R. 4173 Wall Street Reform and Consumer Protection Act. Issue: Exclusion of retirement plans from CFPA and suitability in insurance product sales to seniors and sales of annuities. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure S. 697/ HR 1721 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. S 702/ HR 2096 - Long Term Care Affordability and Security Act of 2009. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 1177 - Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1297 - Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. S._____ - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB.

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

Government targets: HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

S. 1297 Retirement Security for Life Act. Issue: Tax Incentive for Non Qualified Annuities. H.R. 2748 Retirement Security Needs Lifetime Pay Act of 2009. Issue: Tax Incentive for Annuities. H.R. 1988 Conflicted Investment Advice Prohibition Act of 2009. Issue: Investment Advice. H.R.1984 - 401(k) Fair Disclosure for Retirement Security Act of 2009. Issue: Retirement plan fee disclosure. H.R. 2989 401 (K) Fair Disclosure and Pension Security Act of 2009. Issue: Retirement Plan Fee Disclosure S. 697/ HR 1721 Community Living Assistance Services and Supports Act. Issue: reform of LTC financing. H.R. 519 The Elder Caregiver Support and Information Enhancement Act of 2009. Issue: LTC additional appropriations for LTC Information clearinghouse. H.R. 1961 - Savings for American Families Future Act Issue: savers' credit S. 401 - Defined Contribution Fee Disclosure Act Issue: 401(k) fee disclosure H.R. 2021 Savings Recovery Act of 2009. Issue: Savers credit. H.R. 2792 Retirement Savings Transparency Act. Issue: Plan fee disclosure. H.R. 2733/S. 1389 Fixed Indexed Annuities and Insurance Products Classification Act of 2009. Issue: Clarify exemption for fixed indexed annuities. S 702/ HR 2096 Long Term Care Affordability and Security Act of 2009. Issue: allows long term care insurance to be offered in employer sponsored cafeteria plans and FSA. S. 1177 Confidence in Long Term Care Insurance Act of 2009. Issue: Consumer protection for long term care. S. 1226: Long Term Care Insurance Integrity Act of 2009. Issue: Long Term Care. S. 1636 Long Term Care Insurance Consumer Right-To-Know Act of 2009. Issue: Long Term Care consumer protections. S. 1661/S. 906/H.R. 3551 Senior Investment Protection Act of 2009. Issue: Suitability in insurance product sales to seniors and the sale of annuities. H.R. 2779 Defined Contribution Plan Fee Transparency Act of 2009. Issue: 401(k) Plan Fee Disclosure. S. 2832 Lifetime Income Disclosure Act. Issue: Annuity illustration on benefit statements. H. R. 4126 Retirement Fairness Act. Issue: Modification of 401(k) Plan Rules. H. R. 4173 Wall Street Reform and Consumer Protection Act. Issue: Exclusion of retirement plans from CFPA and suitability in insurance product sales to seniors and sales of annuities. H.R. 3590-The Patient Protection and Affordable Care Act. Issue: Long Term Care financing within heath reform and Medicare tax on nonqualified annuity income. H.R. 4872 Health Care and Education Reconciliation Act of 2010. Issue: LTC financing within health reform and unearned income tax. H.R. 4626 - Health Insurance Industry Fair Competition Act. Issue: Amends the McCarran-Ferguson Act to apply to the business of health insurance. H.R. 4742 - SAVE Act. Issue: simplifies SIMPLE IRAs and provides for voluntary Auto IRAs. S._____ - Restoring American Financial Stability Act. Issue: incorporates Senior Investor Protection Act and provides for employer benefit plan carve out from CFPB.

Client expense: $1,470,836 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Govt-run health plan, health insurance exchanges, regulatory reform, health choices commissioner, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, Federal rate review process, healthcare choice compacts, high risk pool program, McCarran-Ferguson Act - HR 3962, Affordable Health Care for America Act; Govt-run health plan, health insurance cooperatives, multi-state plans, health insurance exchanges, regulatory reform, insurance market reforms, individual coverage requirement, benefit packages, CLASS Act, medical loss ratios, premium assistance, Federal rate review process, healthcare choice compacts, appeals procedures, disclosure requirements, high risk pool program, McCarran-Ferguson Act - HR 3590, Patient Protection and Affordable Care Act. Changes to individual coverage requirement, grandfathered plans, immediate insurance reforms, premium assistance, CLASS Act, coverage issues, quality improvements, delivery system reforms - HR 4872, Health Care and Education Reconciliation Act of 2010. *National LTC program - HR 1721, To amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes; S 697, A bill to amend the Public Health Service Act to help individuals with functional impairments and their families pay for services and supports that they need to maximize their functionality and independence and have choices about community participation, education, and employment, and for other purposes. *Clinical trials coverage mandate - HR 716, To amend the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require group and individual health insurance coverage and group health plans to provide coverage for individuals participating in approved cancer clinical trials; S 488, A bill to amend the Public Health Service Act, the Employee Retirement Income Security Act of 1974, and the Internal Revenue Code of 1986 to require group and individual health insurance coverage and group health plans to provide coverage for individuals participating in approved cancer clinical trials. *Small employer health options - HR 850, To encourage the development of small business cooperatives for healthcare options to improve coverage for employees (CHOICE) including through a small business CHOICE tax credit; HR 859, To encourage the development of small business cooperatives for healthcare options to improve coverage for employees (CHOICE) including through a small business CHOICE tax credit; S 93, A bill to provide quality, affordable health insurance for small employers and individuals; HR 2360, 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 979, A bill 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. *Lifetime benefit limits - HR 1085, To impose a limitation on lifetime aggregate limits imposed by health plans; S 442, A bill to impose a limitation on lifetime aggregate limits imposed by health plans. *Pre-existing condition exclusions, affiliation periods, uniform premiums - HR 1092, To amend the Employee Retirement Income Security Act of 1974, Public Health Service Act, and the Internal Revenue Code of 1986 to prohibit discrimination in group health coverage and individual health insurance coverage. *Disclosure of coverage exclusions - HR 1253, To require that limitations and restrictions on coverage under group health plans be timely disclosed to group health plan sponsors and timely communicated to participants and beneficiaries under such plans in a form that is easily understandable. *Comprehensive health reform - HR 1321, To provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away, S 391, A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away. *Pre-existing condition exclusions - HR 1558, 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 in group health plans and health insurance coverage in the group and individual markets; S 623, A bill to amend title I of the Employee Retirement Income Security Act of 1974, title XXVII of the Public Service Act, and the Internal Revenue Code of 1986 to prohibit preexisting condition exclusions in group health plans and in health insurance coverage in the group and individual markets. *McCarran Ferguson reforms - HR 1583, To further competition in the insurance industry. *Pre-existing condition exclusions for children - HR 1619, 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; S 643, A bill 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. *Recissions, hospital stays for breast cancer patients - HR 1691, To require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations; S 688, A bill to require that health plans provide coverage for a minimum hospital stay for mastectomies, lumpectomies, and lymph node dissection for the treatment of breast cancer and coverage for secondary consultations. *Gender rating for health insurance - HR 2402, To amend the Public Health Service Act to ensure fairness in the coverage of women in the individual health insurance market; HR 2635, To amend title XXVII of the Public Health Service Act to prohibit gender rating in the group and individual markets for health insurance coverage, and for other purposes; S 969, A bill to amend the Public Health Service Act to ensure fairness in the coverage of women in the individual health insurance market. *Coverage requirement for cancer screening - HR 4563, Cancer Screening Coverage Act of 2009. *MCCarran-Ferguson antitrust exemption - HR 4626, Health Insurance Industry Fair Competition Act. *Federal standards for health insurance, consumer information - HR 2427, To amend title XXVII of the Public Health Service Act to establish Federal standards for health insurance forms, quality, fair marketing, and honesty in out-of-network coverage in the group and individual health insurance markets, to improve transparency and accountability in those markets, and to establish a Federal Office of Health Insurance Oversight to monitor performance in those markets, and for other purposes; S 1050, A bill to amend title XXVII of the Public Health Service Act to establish Federal standards for health insurance forms, quality, fair marketing, and honesty in out-of-network coverage in the group and individual health insurance markets, to improve transparency and accountability in those markets, and to establish a Federal Office of Health Insurance Oversight to monitor performance in those markets, and for other purposes. *Coverage of second opinions - HR 2457, To amend the Employee Retirement Income Security Act of 1974, the Public Health Service Act, and the Internal Revenue Code to require that group health plans and issuers of health insurance coverage provide coverage for second opinions. *Regulatory reform - HR 1880, To establish a system of regulation and supervision for insurers, insurance agencies, and insurance producers chartered or licensed under Federal law that ensures the stability and financial integrity of those insurers, agencies, and producers and that protects policyholders and other consumers served by such insurers, agencies, or producers. *Medical loss ratios - HR 2833, To require a minimum loss ratio for 90 percent for health insurance coverage offered through an insurance exchange. *Direct access to Ob/Gyns - HR 2940, To amend the Employee Retirement Income Security Act of 1974, the Public Health Service Act, and the Internal Revenue Code of 1986 to require that group and individual health insurance coverage and group health plans permit enrollees direct access to services of obstetrical and gynecological physician services directly and without a referral. *Coverage for autism spectrum disorders - HR 2413, To provide for enhanced treatment, support, services, and research for individuals with autism spectrum disorders and their families; S 819, A bill to provide for enhanced treatment, support, services, and research for individuals with autism spectrum disorders and their families. *Reinsurance - S 79, A bill to amend the Social Security Act to establish a Federal Reinsurance Program for Catastrophic Health Care Costs. *LTC consumer protections - S 1177, A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. *Annual and lifetime coverage limits - S 1149, A bill to eliminate annual and lifetime aggregate limits imposed by health plans. *Lifetime benefit limits - S 442, A bill to impose a limitation on lifetime aggregate limits imposed by health plans. *Small employer health options - HR 2360, 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. *Federal office of insurance information - HR 2609, To establish an Office of Insurance Information in the Department of the Treasury. *National marketplace, health insurance coverage offered in interstate commerce; S 1459, A bill to amend the Public Health Service Act to provide for cooperative governing of individual health insurance coverage offered in interstate commerce. *Reinstatement of coverage upon payment of overdue premiums - HR 3584, 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. *Changes to McCarran-Ferguson Act - HR 3596, To ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers; S 1681, A bill to ensure that health insurance issuers and medical malpractice insurance issuers cannot engage in price fixing, bid rigging, or market allocations to the detriment of competition and consumers. *Medical loss ratios - HR 3681, To provide for minimum loss ratios for health insurance coverage; S 1730, A bill to provide for minimum loss ratios for health insurance coverage. *Third-party review of LTCI disputed claims - S 1626, A bill to require issuers of long term care insurance to establish third party review processes for disputed claims. *Model disclosure forms for LTC insurance - S 1636, A bill to develop a model disclosure form to assist consumers in purchasing long-term care insurance. *Model Disclosure form for long-term care insurance - HR 4078, To require the Secretary of Health and Human Services to develop a national model disclosure form to assist consumers in purchasing long-term care insurance. *Government-run health plan, health insurance cooperatives, health insurance exchange, insurance market reforms, individual coverage requirement, benefit packages, premium assistance, medical loss ratios, regulatory reform - S 1796, An original bill to provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes. *Federal rate review process - HR 4757, Health Insurance Rate Authority Act of 2010; S 3078, Health Insurance Rate Authority Act of 2010.

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

Government targets: HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), SENATE

Comprehensive health reform, including H.R. 3200, America's Affordable Health Choices Act, S. 1679, Affordable Health Choices Act, and S. 1796, America's Healthy Future Act, H.R. 3962, Affordable Health Care for America Act, H.R. 3590, Patient Protection and Affordable Health Care Act and H. R. 4872, Health Care and Education Reconciliation Act. Proposals related to long-term care insurance, including S. 1177, Confidence in Long-Term Care Insurance Act and H.R. 1721/S. 697, Community Living Assistance Services and Supports Act.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Comprehensive proposals related to long-term care insurance, including S. 1177, Confidence in Long-Term Care Insurance Act.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R.1192 To amend the Internal Revenue Code of 1986 to provide more help to Alzheimer's disease caregivers. Long Term Care Trust Accounts Act S.702 Long Term Care Affordability and Security Act S.697 CLASS Act S.1177 A bill to improve consumer protections for purchasers of long-term care insurance, and for other purposes. H.R.519 To authorize additional appropriations for the family caregiver support program under the Older Americans Act of 1965, and for the National Clearinghouse for Long-Term Care Information, for fiscal years 2010, 2011, and 2012. H.R.2096 Long Term Care Cafeteria and Flexible Spending Account H.R.1721 CLASS Act H.R.897 Deduction for Long Term Care Insurance Premiums under Cafeteria Plans and Flexible Spending Arrangements S.1626 Long Term Care insurance Integrity Act of 2009 S.1796 An original bill to provide affordable, quality health care for all Americans and reduce the growth in health care spending, and for other purposes. H.R.3200 America's Afforadable Health Choices Right-to-Know Act of 2009 S.1679 Affordable Health Choices Act H.R.3962 Affordable Healthcare for America Act S1728 Patient Protection and Affordable Care Act of 2009

Client expense: $980,000 · Firm income: Not reported

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