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Dedicated Insurance Professionals you know and trust...like Family |
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Issue No. 38 |
June 25, 2013
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Greetings!
Reform is a prominent word being used in Washington, ie. Immigration Reform, Healthcare Reform.
As "reform" takes hold, speculation is being drawn tying the two together. A possible path of attack on the immigration reform initiative is to use President Obama's healthcare reform program to combat it, including some of the amendments Congress is currently considering.
Obamacare is fraught with what some perceive as peril, as would be any systemic change on that scale and scope. However, that is the nature of reform. Change is hard, and the transition is usually far from perfect, but the end results are usually better than the situation it's designed to fix.
As we get closer to enacting some of the President's healthcare initiatives, the challenges are becoming clearer, as are some of the benefits.
Healthcare and immigration are issues that need attention. President Obama laid out a guideline for health care, and eventually signed it into law. The Senate and the House need to address immigration, and the president has given them his blueprint.
Texas Ag Coop Trust has always prided itself in providing the best health benefit plans to an underserved industry. So, what does it ALL mean? How does it ALL affect you?
Give us a call! We would love to visit with you. At TACT, YOU own your insurance plan. At TACT, YOU are our business.
TACT - Dedicated Insurance Professionals
you know and trust...like Family.
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Obama administration releases final rules on employment-based wellness programs
The U.S. Departments of Health and Human Services, Labor and the Treasury continued to move forward to implement the health care law, by issuing final rules on employment-based wellness programs. The final rules support workplace health promotion and prevention as a means to reduce the burden of chronic illness, improve health, and limit growth of health care costs, while ensuring that individuals are protected from unfair underwriting practices that could otherwise reduce benefits based on health status.
The final rules continue to support "participatory wellness programs," which generally are available without regard to an individual's health status. These include programs that reimburse for the cost of membership in a fitness center; that provide a reward to employees for attending a monthly, no-cost health education seminar; or that reward employees who complete a health risk assessment, without requiring them to take further action.
The rules also outline standards for nondiscriminatory "health-contingent wellness programs," which generally reward individuals who meet a specific standard related to their health. Examples of health-contingent wellness programs include programs that provide a reward to those who do not use, or decrease their use of, tobacco, or programs that reward those who achieve a specified health-related goal such as a specified cholesterol level, weight, or body mass index, as well as those who fail to meet such goals but take certain other healthy actions.
These final rules ensure flexibility for employers by increasing the maximum reward that may be offered under appropriately designed wellness programs, including outcome-based programs. The final rules also protect consumers by requiring that health-contingent wellness programs be reasonably designed, be uniformly available to all similarly situated individuals, and accommodate recommendations made at any time by an individual's physician based on medical appropriateness.
The final rules will be effective for plan years beginning on or after Jan. 1, 2014.
The rule was issued May 29. To view the final rule visit http://www.ofr.gov/inspection.aspx
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Immigration Reform 2013
An enforcement-centered U.S. immigration reform bill undergoing markup in the House Judiciary Committee is under attack from Democrats concerned the measure will criminalize millions of undocumented people overnight, result in increased racial profiling and cause public safety to take a back seat to enforcement actions.
If the Strengthen and Fortify Enforcement Act (SAFE), or H.R.2278 becomes law, it would give state and local law enforcement officials the authority to act as immigration agents and enforce federal immigration laws. The measure, introduced last week by co-sponsor U.S. Rep. Trey Gowdy, R-S.C., who chairs the House Immigration and Border Security Subcommittee, would aim to toughen security by making visa and passport fraud an aggravated felony.
The measure is the House's first move toward Immigration Reform. A bipartisan group has been working together for months on a bill, but it has not yet produced it.
Read More from the International Business Times.
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Texas' Response
Legislature Leaves Immigration Reform to Washington
By James Jeffrey
Contributing Writer - Austin Business Journal
Business leaders got what they wanted regarding immigration reform from lawmakers this session - very little.
Immigration reform was all the rage at the Capitol during the Texas Legislature's 2011 session, but this year a lack of legislative action on the topic was noticeable. Immigration-related bills that were filed this session proposed minor tweaks, and most didn't get out of committee.
At the beginning of the recent regular session, business leaders such as Texas Association of Business President and CEO Bill Hammond agreed that action needed to come from those in Congress, and they were content to see the Texas Legislature not get involved. Others cautioned how businesses could be swept up in any immigration changes.
"About three or four industries wouldn't exist in Texas if not for undocumented workers," said U.S. Rep. Joaquin Castro, a Democrat from San Antonio, speaking at the Texas Association of Business's annual conference in late January.
In Washington, meanwhile, lawmakers are deeply involved in debate over a comprehensive immigration reform bill proposing a system to legalize the 11 million illegal immigrants currently in the country, followed by the implementation of enhanced security measures, followed by a path to citizenship, the Washington Examiner reports.
"We have a high population of undocumented workers who are an essential part of the economy," Castro said.
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Farm Bill Update:
Farm Bill Fails in House
June 20, 2013
Courtesy NBC News - A major piece of farm legislation went down to a surprising and dramatic defeat in the House on Thursday, as conservatives joined with most Democrats to oppose the $940 billion bill.
The House voted 195-234, with 62 Republicans joining 172 Democrats, to defeat the bill. The vote was regarded as a surprise, and represented an embarrassment to the House GOP leadership team.
President Barack Obama had threatened to veto the House legislation had it somehow eventually reached his desk.
House Minority Leader Nancy Pelosi, D-Calif., reflects on the failure of the farm bill in the House Thursday. Democrats were angry about the heavy cuts to food stamp programs contained in the Republican-written legislation, prompting all but 24 of them to oppose the legislation. Conservatives, who had come under pressure from groups like the Club for Growth and the Koch Brothers-linked Americans for Prosperity, cited concerns about the legislation's hefty price tag in voting down the bill.
Farm bills are typically authorized in five-year increments, but an agreement on the latest installation of such legislation has eluded Congress. Farmers are currently operating under a farm bill from the beginning of this year that was extended, in parts, through the end of September.
Lawmakers from both parties were quick to trade blame for the farm bill's defeat, which would have set up negotiations with the Senate to resolve differences between the House proposal and the farm legislation passed on June 10 by the Senate. Republicans said that Democrats had failed to produce the necessary votes to pass the legislation, while Democrats blamed ideological disunity within the GOP.
Republicans were broad-sided when the final bill failed to garner the votes for passage, with House Republican Leadership Aides saying that Democrats "didn't raise any issues before the vote, they came at the last minute and decided to play tricks."
"The question is: are Democrats in the House willing to govern, and today's demonstration proves that that might not be the case," Rory Cooper, the communications director for House Majority Leader Eric Cantor, R-Va., told reporters.
In any case, Thursday's vote is an unmistakable embarrassment for House Speaker John Boehner, R-Ohio, and the rest of the GOP leadership, which has seen some of their previous initiatives scuttled when conservatives refused to support legislation sought by the leadership. Most recently, Republican leaders had to withdraw legislation rededicating funds from "Obamacare" to supporting high-risk insurance pools, a pet proposal Cantor's.
The future of the Farm Bill is now very much in doubt, with no clear path forward on how to proceed. This bill was seen as a vehicle to go to conference with Senate Democrats, who passed their bill in June, and not as a final product, but House Democrats clearly thought that the message behind the bill involving food stamps had gone too far.
Senate Democrats, in statements following the failed House vote, called on the House to take up and pass the Senate legislation as-is.
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Texas' Special Legislative
Session - Deeply Partisan
By Chris Tomlinson - AP
June 16, 2013
AUSTIN, Texas - If there is one thing more divisive among Texas politicians than drawing political maps, it's abortion, and Gov. Rick Perry has added both to the special legislative session underway in Austin.
The governor's decision comes on the heels of one of the most productive and conciliatory regular sessions in recent memory, and there is little doubt that by fanning the partisan flames, Perry is staking out his conservative credentials to impress national conservative and evangelical groups.
He's also embarked on a job-poaching tour of New York and Connecticut, supported by television and radio ads that tout Perry's job creating record as much as the Texas economy. These latest political maneuvers feed speculation in Austin that Perry is making a move onto the national stage in anticipation of another presidential bid in 2016. Of course, these moves also won't hurt him with Texas primary voters should he run for governor again next year.
Perry has been mum about his plans, saying only that he'll announce his intentions soon. But the special session also gives Lt. Gov. David Dewhurst and conservative lawmakers the chance to boost their own political records, too. If the regular session was about coming together for the people's business, the special is all about partisanship for re-election.
Every 10 years, politicians get to choose their voters when they redraw the state's political maps based on census data. This map-drawing exercise is critical to determining who will control the Legislature and Congress. Since Texas lawmakers draw the maps, the majority party always draws them to benefit their colleagues, which is perfectly legal as long as they don't diminish the ability of minorities to elect their candidate.
A federal court in Washington determined that the Republican majority in 2011 did just that after it heard arguments from minority groups.
"The parties have provided more evidence of discriminatory intent than we have space, or need, to address here," the three judges wrote in the decision to throw out the Legislature's 2011 maps. That decision cleared the way for a court in San Antonio to update its interim maps used for the 2012 election.
Democrats hope the court will give minorities at least one additional congressional seat and five-to-seven new seats in the Texas House, which, based on past voting patterns, would give Democrats more seats. To forestall that, Texas Attorney General Greg Abbott advised Republicans in the Legislature to adopt the 2012 interim maps and make them permanent.
While Democrats are happy to accept the map for the state Senate, they are fighting the congressional and state House maps by building a public record of the redistricting process that they will use to file a lawsuit when the special session is over.
Dewhurst, who Ted Cruz painted as a moderate in the U.S. Senate race, called for a special session before the regular one was even over to get ready for his re-election campaign. While Perry ignored the lieutenant governor's request for more gun freedoms, he has given Dewhurst a chance to pass abortion legislation that would restrict where, when and how a woman may get an abortion.
After what many lawmakers called a "kumbaya" regular session, the special legislative session will give everyone something to talk about when election season begins this fall.
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Five Tips To Help
Dad Destress
Everyone knows that being a Mom is a full-time job, but what about Dads?
Having just celebrated Father's Day, we set aside time to honor the men, fathers and father-figures in our lives. We tend to forget that being a father can be just as challenging and nerve-wracking, so here are a few tips to help all Dads better deal with stress!
Leave work at work Most Dads don't get the chance to be house-husbands and have to go to work to provide for their families. Some of them have a hard time finding the right balance between their professional and personal lives, and tend to let their job take over their family life. To prevent this from happening, don't make yourself too available for your boss and colleagues after worktime. Just turn you phone and computer off as soon as you reach home!
Make room for exercise Working out is an excellent way to help release stress after a hard day of work, so why don't you hit the gym at least once a week? Better yet, try to find a physical activity that you can share with your children. Not only will you feel more relaxed, but you will also get to spend time with your kids!
Get enough sleep Sleep deprivation can be due to being stressed, but it can also be the cause of it. If you don't get enough sleep, you are tired and you get easily annoyed and frustrated, which can lead to stress. Before going to bed, go for a quiet activity like reading a book or listening to music until you are tired enough to sleep.
Spend time with your wife When it was just the two of you, you would to take your wife out for a movie, a nice dinner or just go out for a romantic evening stroll several times a week. Now, you barely have time to say hi to each other in the morning, which can be quite frustrating. Even after becoming parents, it is important that you make time to nurture your relationship with your partner. Make sure you still exist as a couple, and not only as parents.
Communicate better It is known that most men don't have the best communication skills in the world... Not telling your family how you feel about important matters will only lead to more stress and misunderstandings. Learn to share your thoughts and feelings with your wife and kids, and things will already start improving at home!
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June is Men's Health Month!
The purpose of Men's Health Month is to heighten the awareness of preventable health problems and encourage early detection and treatment of disease among men and boys. This month gives health care providers, public policy makers, the media, and individuals an opportunity to encourage men and boys to seek regular medical advice and early treatment for disease and injury. The response has been overwhelming with thousands of awareness activities in the USA and around the globe.
WEAR BLUE FOR MEN'S HEALTH!
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Texas Ag Coop Trust
1802 East 50th St., Ste. 107
Lubbock, TX 79404 806-747-7894
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Texas Ag Coop Trust
Officers, Board of Trustees
Kimberly Tullo-Holcomb
TACT Executive Director
Lubbock, TX
George Reed, Chairman United Farm Industries Plainview, TX
Gregg Allen, Secretary Olton Grain Coop Olton, TX
Bret Brown, Treasurer Sunray Coop Sunray, TX
Jim Turner Dalhart Consumers Fuel Association Dalhart, TX
Paul Wilson United Cotton Growers Levelland, TX
Cary Eubanks Slaton Coop Gin Slaton, TX
Dean Sasser Farmers Coop Elevator Levelland, TX
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Texas Ag Coop Trust
is endorsed by:
Texas Grain & Feed
Association
Texas Cotton Ginners Association
Texas Coop Marketing Exchange
Texas Corn Producers |
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TACT Expanding Base of Provision
Texas Agricultural Cooperative Trust has always prided itself in providing the best health benefit plans to those agricultural businesses that belong to one of our endorsing associations including: Texas Grain & Feed Association, Texas Cotton Ginners' Association, Texas Corn Producers, Texas Coop Marketing Exchange and Texas Ag Coop Council.
Beginning June 1, 2013 we are excited to announce that we are opening our base to include ALL agricultural businesses regardless of association!
What does this mean to you?
- This means that if you have friends or family in the agricultural industry, they no longer have to be a member of one of our endorsing associations in order to take advantage of TACT Health Benefits.
- The only qualification they must meet to become a member of TACT is to have at least two full time, unrelated employees
- AND be employed in the agricultural industry.
We value our relationships with our endorsing associations and will continue to partner with them in various ways to make sure their members are allowed their continued benefits with TACT. This is simply an opportunity to continue doing what TACT was originally set up to do - provide reasonable and valuable group health benefits to the most underserved industry.
What can we do to help you? What questions do you have? We are here to answer your questions.
TACT - Dedicated Insurance Professionals
you know and trust...like Family.
Next Issue: July 9, 2013
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