PR For Your Business With NAWBO

Kerry Stevenson of Kiely Hines & Associates and the NAWBO Programming committee are working on upcoming programs, seminars and luncheons.  They are in need of people to donate gifts for the guest speakers (value approx $25) and a few smaller ($10) items for door prizes. 

Your company will be recognized at the event from the podium as well as noted in the ENewsletter.  It's a great way to advertise your business for very little cost.  These gifts can be gift  certificates or actual items.

Please contact Kerry at kstevenson@kiehlyhines.com  or at 502-893-2020 if you would like to donate a gift item. Thank you for your support!

• Corporate Sponsor Louisville Magazine offers these discounts to NAWBO members:
• 10% discount on advertising and 50% discount on subscriptions
• Regular one-year subscription price is $22. NAWBO members pay $11. Two-year is $36, $18 for NAWBO members.
• Royal Fine Jewelers offers NAWBO members a 25% discount off of jewelry repair and appraisals
• Corporate Sponsor Underwired Magazine offers a 10% discount on advertising to NAWBO members
• Corporate Sponsor Kentuckiana Healthy Woman Magazine offers a 20% discount on advertising
• Corporate Sponsor Today's Woman offers a 10% discount off rate card for ads placed in Today's Woman, Today's Transitions and Today's Family magazines
• Corporate Sponsor Xstreme Media, LLC offers a 10% discount off any of their services
• Moss Hill offers a 15% discount off all products
• Bikinis and Bifocals offers a 10% advertising discount for ads placed on their web site
• Evanston Publishing offers a Free book consultation and a Free Guidebook "Selling Your Book"
• J Vary & Associates offers a 1 hour free session with Joe Vary
• Signarama Downtown offers a 10% discount off services
• TKT & Associates, Inc. offers NAWBO members a $200 discount off of their FastTrac GrowthVenture program
• Utterly Organized offers your 1st hour of organizing Free
• Kentuckiana Business Forum offers a 10% discount off of advertising in the magazine
  
• Home Cuisine offers a 10% discount off of meal plan prices
• Sunny Daize Boutique is offering members a 10% discount off their purchase
• Blooms in LaGrange and Betsye's Blooms in Simpsonville are offering a 15% discount to NAWBO members and sponsors on all products.
• Event Photographers, Inc. is offering a 10% discount off any professional service, either in-house or on-location.
• Jamie L. Wyman, Attorney at Law, is offering a discounted initial business consultation and 10% off all services.  See full details in Buy NAWBO 1st member area.
• Mojo Jewels is offering 20% off purchases on their web site. - NEW
  

• Employers Employers must either provide health insurance to their employees or make a contribution to help fund affordable health insurance. Employers that choose to offer coverage contribute at least 72.5 percent of premium for workers, 65 percent for families. However, if the coverage is unaffordable for low-wage workers, that worker can choose subsidized coverage in the Exchange and the employer makes a contribution to the Exchange.
  
  Employers who do not offer qualified coverage contribute 8 percent of their payroll to help cover expenses of employees who seek coverage through the Exchange.

• Small business protections. Small businesses with annual payrolls below $500,000 are exempt from requirements to offer or contribute to coverage, including the 8 percent payroll contribution for failure to provide health benefits to their workers. As a result of this exemption, 86 percent of America's businesses are exempt from any requirement to provide coverage to their employees. The 8 percent requirement is phased in for small businesses with an annual payroll between $500,000 and $750,000. There is also a tax credit program to help low-wage small businesses offer coverage to their employees.

• Small business tax credits. Small business tax credits are available for businesses with 10 or fewer employees and $20,000 or less in average wages. The credits phase-out if the employer has 25 or more employees or if average wages are $40,000 or more. The credits are available on rolling basis for the first two years that an employer offers qualified coverage.

• Individuals. Individuals are required to obtain health insurance coverage or pay a fee equal to lower of 2.5 percent of their adjusted income above the filing threshold or the average premium on the Exchange. Individuals and families below the income tax filing are exempt. (NOTE: In 2009, the threshold for taxpayers under age 65 is $9,350for singles and $18,700 for couples). Individuals may apply for a hardship waiver if coverage is unaffordable and selected exemptions from the mandate are provided in the statute. Those with coverage through the VA or who are eligible for government-sponsored healthcare because they are a member of a tribe are considered to have fulfilled the requirement to obtain coverage.
  

• Affordability credits. Provides financial assistance for premiums and cost sharing for individuals and families with incomes up to 400 percent of the federal poverty level (FPL). Affordability credits are offered on a sliding scale such that premiums range from 1.5 percent of income at the lowest tier to 12 percent at 400 percent FPL. Provides additional assistance for households with incomes up to 400 percent FPL by limiting cost-sharing to 3 percent of plan costs at the lowest tier rising to 30 percent of plan costs at 350-400 percent of FPL. Specific out-of-pocket maximums are added to protect individuals at each income tier. Income Premium Limit as Percentof IncomePercent of Plan Costs Paidby FamiliesAnnual Out-of-Pocket Cap.

• Eligibility. Affordability credits are available to American citizens and legal residents whose employers do not offer coverage or whose share of employer-sponsored health insurance costs more than 12 percent of their family income. Those eligible for other government health care programs, such as Medicare or Medicaid, cannot receive affordability credits. Establishes a mechanism by which the Commissioner must verify that individuals are citizens or legal immigrants in order to receive affordability credits.

• Caps out-of-pocket spending and limits. Helps prevent medical bankruptcy by limiting out-of pocket costs to no more than $5,000 for individuals and $10,000 for families; these levels are indexed to inflation. Those receiving affordability credits have lower out-of-pocket caps.