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Legal Ease by Scott Sinder

November 2012
Numerology
This is the future of the healthcare debate, no matter who wins the White House or controls Congress.

October 2012
Oxymoron
Progress and the NAIC in the same breath? Say it ain’t so! Think small (very small) progress.

September 2012
Form and Substance
New ERISA compensation rules require full disclosure regardless of the form of compensation.

June 2012
The Real Mandate
Roberts’ ruling puts Medicaid on the table. What will that do to Obamacare?

May 2012
Stormy Affair
The states and the federal government are at odds over health insurance exchanges. Some are trying to bury the hatchet while others conjure conspiracy theories.

April 2012
Fee Fi Fo Fum!
New initiatives could have giant carriers collecting broker fees, but beware the regulatory perils.

March 2012
Brave Small World
As technology continues to shrink, insurance concerns grow exponentially.

January/February 2012
Competing Interests
Be sure your firm doesn't lose its balance in the New York two-step.

December 2011
A Barrel of Monkeys
Constant membership shifts at the NAIC can’t make uniformity of action any easier.

November 2011
Known Knowns
There are known knowns in healthcare reform and known unknowns. As we approach reform deadlines, how much does the federal government really know? That is the great unknown.

October 2011
Bungled Effort
Only state regulators could complicate an effort to simplify the regulation of surplus lines.

September 2011
Strange New World
Association health plans will still have a life after reform, but in what form?

July/August 2011
Independence Day
Free at last? Only if you empower us to make it so.

June 2011
Carrier Living Wills
So you think they are too big to fail? New rules should make you think again.

May 2011
Hesitation Waltz
The NAIC’s indecisive dance on surplus lines again delays states from acting. Doing nothing really does something—a lot of state regulators are likely to be angry at the outcome.

April 2011
Working with Regulators
What you need to know to deal with your state regulators.

March 2011
The Rough Writers
A year after passage, the government is just gearing up for the arduous task of writing the rules for Obamacare.

January/February 2011
Here to Stay
Beware of your firm’s social media usage. Whatever you put on it, someone will have a copy. And litigators love that.

December 2010
Market Traitor
Keep your business from touching Iran’s market or face tough U.S. and EU sanctions.

November 2010
Prep Work
Federal emergency preparedness programs may reduce insurance premiums and potential liability, and give everyone greater peace of mind.

October 2010
NAIC Miracles
Moving quickly to implement surplus lines reform is nothing short of a miracle for the NAIC

September 2010
The One
Surplus lines brokers will no longer fight with 52 different regulators to achieve some sanity with regulation. Now they can deal with a single state regulator.

July/August 2010
Cash for Claimants
Qualified plan retirees between ages 55 and 64 are now eligible for free federal cash for claims—until it runs out.

June 2010
Young and Old
When it comes to healthcare reform, it pays to be grandfathered and it pays to be under 26 and on your parent’s group policy.

May 2010
Challenging times
Constitutional challenges to healthcare reform will fail because Congress has both the right to regulate interstate commerce and to tax those who refuse to pay.

April 2010
End Game
Washington’s moves on healthcare will push states to act, one way or the other.

March 2010
Strip Search
IRS proposes new disclosure rules, wants to expose risky tax breaks.

January/February 2010
Regs Rules!
While you were monitoring healthcare reform, the bureaucracy was quietly going about its business. ID theft, financial privacy and health privacy changes could affect you.

December 2009
Oops!
New rules make disclosure of compensation and client information a very risky business.

November 2009
Preemptive Strike
The NAIC supports commission to preempt state insurance regulation.

October 2009
Get Organized
Get your shop in order now, or new federal rules might let a union organize it against your will.

September 2009
My Way
As some regulators push for uniformity, they’re thwarted by attitudes of “I don’t care what the rest of you are doing; we do it best in my state, and I’m not changing.”

July/August 2009
Bankrupt Coverage
Think you, as an officer or director are covered in a bankruptcy? Think again. The devil is in the details of the D&O policy.

June 2009
171
After 170 opinion letters, the New York Department of Insurance issues a circular that negates them all and finally makes sense of anti-rebating laws.

May 2009
Evolution
Change comes glacially to the NAIC. But with the world on the move, change is coming.

April 2009
What If?
What if AIG actually failed? What happens then?

March 2009
Barack Attack?
The new administration’s health care ideas have both good and bad for our industry. We just don’t know what we are up against yet.

January/February 2009
The Void
Look out. We are now the target. Where Congress perceives a gap in regulation, it will fill that void.

December 2008
Certainty Not!
Inquiring minds want to know what the New York Insurance Department means when it talks of contract certainty and how it is certain the idea will work.

November 2008
A-I-Geeeze!
NAIC and Congress posture but do not panic as world’s largest carrier is derailed by its financial products unit.

October 2008
Before the Fall
Regulators spent the summer confusing the issues as well as brokers.

September 2008
Perfectly Clear
Regulatory conflicts between big and small firms mean transparency is the only option.

July/August 2008
No More Blinders
The NAIC begins to acknowledge federal action is inevitable, and they want a seat at the table.

June 2008
Well Fare
Wellness programs may cut employer health insurance costs, but navigating discrimination rules has its costs, too.

May 2008
Wheel of Misfortune
The NAIC continues to run in place, although there are signs it may step off its treadmill on occasion.

April 2008
Complicit or Compliant?
Implement a compliance program that is more than just words on paper--or pay a hefty price.

March 2008
Sanction Sandbag
Think you’ve covered your international business bets if you comply with money laundering and export control laws? Think again. Don’t get bit by economic sanctions. That’s one bite that really hurts.

January/February 2008
Progress is Progress
Sometimes even the NAIC can take small steps forward.

December 2007
Small Talks
The...NAIC...inches...forward...slowly ..very...very...slowly. State...regulators...talk..a...lot... but...do...little.

November 2007
Failed Promises
The NAIC’s failure to deliver on uniform licensing may be violating federal law.

October 2007
Is It a Bribe?
Can you buy a foreign government official dinner, or does the U.S. government consider that a bribe? Do your homework before you pick up that dinner tab.

September 2007
Lite Speed
For the NAIC, this is fast. But there actually was a change—or two. Federal pressure is starting to mount.

July/August 2007
Manual Labor
If we draft a producer licensing manual to address inequities in state laws and procedures, maybe we can push regulators to actually act on something

June 2007
Electronic Black Hole

May 2007
No There There

April 2007
Everybody Wants In

January/February 2007
Wipe Out

 
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