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FERS Retirement Benefits Explained (A quick guide for busy employees)
 
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“You work for the government. You must have a great retirement!” As a FERS employee, you have 7 distinct retirement benefits to help you retire comfortably! Here's a quick guide to help you understand more about each benefit. ****To help you keep track of these benefits, I have this super simple and handy FERS benefit guide—I call it the The 7 Superheroes of FERS Retirement Benefits. You can get it free. Just go to https://www.fersblueprint.com/p/seven. This video is brought to you by the FERS Blueprint Online Retirement Training. We believe that it shouldn’t be so hard to get into retirement training, and that you should be able to learn when you want to and at your own pace. Now you can at the FERS Blueprint. Take a class today! https://www.fersblueprint.com ______________ It’s helpful to think of the benefits in terms of what they do for you in retirement. The first three benefits are income-based, which means money in your pocket. The next four benefits are insurance-based, which means “rainy day” protection for you and your family. Each benefit is subject to eligibility requirements. 1 FERS PENSION. You can get a monthly check from the FERS pension for as long as you live in retirement. Plus, there’s a benefit for your spouse if you pass away first. The amount you get in retirement is based upon how long you worked for the Federal government, what age you retire and how much you earned. There is an additional benefit that you may receive called FERS Supplement (sometimes it’s referred to as the “Social Security” Supplement). It’s only for eligible, long-term employees who retire under age 62. This is a separate benefit from FERS pension. 2 SOCIAL SECURITY. You can get a monthly check for as long as you live, with a potential benefit for your spouse if you pass away first. The amount you receive from Social Security is based upon how much money you earned over your entire work history (not just Federal employment) and at what age you are when you start receiving your benefit. You can start receiving your benefit as young as 62, but your benefit will be permanently reduced. The older you are, the more you’ll receive each month (maximum at age 70). 3 THRIFT SAVINGS PLAN. TSP is a different from FERS and Social Security. That’s because it’s a retirement savings plan—the amount you get from TSP is based upon how much you saved, your FERS Match and how the investments performed. You can choose to receive a monthly check from TSP, but there are also many other ways to set up income from TSP in retirement. Keep in mind that there are IRS age requirements. TSP offers a Traditional TSP and a Roth TSP. The investment options remain the same in retirement. 4 FEDERAL EMPLOYEES HEALTH BENEFITS (FEHB). This benefit provides health insurance for you, your spouse and eligible dependents that you can take into retirement. The share of cost and choices stay the same in retirement. You, as the employee, must meet eligibility requirements. 5 FEDERAL EMPLOYEES DENTAL AND VISION INSURANCE PROGRAM (FEDVIP). This benefit provides dental and/or vision insurance for you, your spouse and eligible dependents that you can take into retirement. The share of cost and choices stay the same in retirement. 6 FEDERAL EMPLOYEES GROUP LIFE INSURANCE (FEGLI). This benefit provides life insurance for you, your spouse and eligible dependents that you can take into retirement. The share of cost may change; however, there are flexible choices to suit your needs. Some options may even be free of charge in retirement. You, your spouse, and eligible dependents must meet eligibility requirements. 7 FEDERAL LONG TERM CARE INSURANCE PROGRAM (FLTCiP). This benefit provides long term care insurance coverage for you, your spouse and eligible family members. You can take existing coverage with you into retirement; or apply for coverage after you retire. Coverage subject to underwriting approval at time of application ______________________________ PROJECT Prepare2Retire is an educational division of The Monroe Team, Inc. DUNS Number: 032 057260. CAGE Code: 735L3. NAICS Code: 611710 Educational Support Services. Woman-owned, small business. PROJECT Prepare2Retire and FERS Blueprint are not affiliated with, endorsed or sponsored by the Federal Government or any US Government agency. PROJECT Prepare2Retire and FERS Blueprint are educational only. No specific financial, retirement nor tax advice is being offered. The material presented is as current as possible, but is necessarily generalized. Facts and opinions are based on research and experience, but are not endorsed by the Federal Government. It is recommended to consult with your personnel office and/or the Office of Personnel Management (OPM) Retirement Office, Thrift Savings Plan, Social Security, Medicare, Internal Revenue Service, your legal, tax and/or other advisor(s). © 2017. The Monroe Team, Inc.
How to Retire Early as a Federal Employee!
 
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↓↓ HOW TO RETIRE EARLY E-BOOK BELOW↓↓ http://www.fedretirementplanning.com/how-to-retire-early-as-a-federal-employee/ Too many federal employees have the limiting belief that they have to wait until their 60's to retire. What if I told you that you could retire early, in your 40's even and still do so comfortably? Here's how. ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2017, All Rights Reserved
Understanding Healthcare Costs: Medicare Advantage
 
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Medicare Advantage is an insurance program that invites private payors, including health plans and insurance companies, to offer alternatives to traditional Medicare. By providing access to the private insurance market, Medicare Advantage gives beneficiaries the option to choose from a wide range of competing plans, many of which offer richer benefits than Medicare. This video explains how Medicare Advantage works. Video transcript Medicare Advantage is part of the U.S. Medicare system, which is a federal health insurance program that covers 50 million elderly and disabled Americans. Medicare Advantage, also known as Medicare Part C, differs from traditional Medicare in that it doesn't define categories of health coverage in the same way as Medicare parts A, B, and D. Instead, it's a special program that invites private payors, including health plans and insurance companies, to provide alternatives to traditional Medicare insurance. As with traditional Medicare, eligibility for Medicare Advantage includes most U.S. residents over age 65, as well as certain nonelderly people with disabilities. While traditional Medicare is administered directly by the federal government, under Medicare Advantage, the government contracts with private payors. At minimum, these payors are required to provide the same level of coverage outlined in Medicare Parts A and B, and typically they provide Medicare Part D prescription drug coverage, as well. By providing access to the private insurance market, Medicare Advantage gives beneficiaries the option to choose from a wide range of competing plans, many of which offer richer benefits. A growing number of Medicare beneficiaries are opting for Medicare Advantage. Twenty-seven percent are currently covered by Advantage plans, and enrollment is expected to continue to increase in 2013. All Medicare Advantage plans are funded by federal Medicare dollars—but some plans require members to pay an additional premium. The premium is determined by the benefits provided and the federal reimbursements in the area where the plan is offered. Medicare has specific rules for how Advantage plans are priced. Each county has its own payment benchmarks, as well as different benefit and premium combinations. Each spring and summer, Medicare Advantage plans participate in a bid process that establishes the terms of contract between the payor and the federal government for the next calendar year. Before bids are submitted, plans project member health statuses, costs, revenue from the federal government, and member premium. These projections serve as the basis for the bids, which define the benefits to be offered in each plan. Once the bid process is complete, members are told what the premiums and benefits will be for each plan in the coming year. During the eight week open-enrollment period for Medicare Advantage, beneficiaries must consider a number of variables to decide on a plan that best suits their healthcare needs and budget. In addition to monthly premiums, benefit options, and out-of-pocket limits, they must also consider network composition and plan type. If provider choice is important to them, they may opt for a plan that features either a Preferred Provider Organization (PPO) or Private Fee-for-Service (PFFS) structure rather than a more restrictive HMO. Beneficiaries will also want to consider how flexible a plan is with respect to authorizing prescriptions. While most plans provide for prescription drug coverage, not all of them will pay for all pharmaceuticals. Within each class of drugs, plans may cover only a limited number of drugs. Ultimately, those looking for more comprehensive benefits may gravitate toward the Medicare Advantage program. For more on Medicare, and healthcare in general, visit our blog: www.healthcaretownhall.com RELATED MILLIMAN SERVICE Medicare Advantage (Part C) consulting http://www.milliman.com/Solutions/Services/Medicare-Advantage-Part-C/
Views: 3810 Milliman, Inc.
OPM's Federal Work-Life Survey
 
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I created this video with the YouTube Video Editor (http://www.youtube.com/editor)
Views: 6189 USOPM
High-Deductible Health Plan (HDHP) and Health Savings Account (HSA) Basics
 
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A Health Savings Account (HSA) is a tax-free account that can be funded by both employer and employee. Employees own the HSA and can use it for current and future medical costs. Discover what a High-Deductible Health Plan (HDHP) is and how it works with an HSA.
NO MORE FREE RIDES: TRUMP CUTS PAY RAISES FOR ALL FEDERAL EMPLOYEES – EXCEPT THIS GROUP
 
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NO MORE FREE RIDES: TRUMP CUTS PAY RAISES FOR ALL FEDERAL EMPLOYEES – EXCEPT THIS GROUP This morning, President Donald Trump sent a strong message to Congress and bureaucrats who make a living on the taxpayer’s dime: the money train has stopped. Outrageous salaries are being reigned in. In an effort to save money next year, President Trump has announced that he is slashing down pay raises for all federal employees to just 1.4 %, down from the 2.1% pay increase they received in January. Had the President not made a change, they would have received a 1.9% increase in pay. That may not sound like much, but in real numbers, the pay cut will save tens of millions of dollars in a single year. In a letter to House Speaker Paul Ryan and Vice President Mike Pence, President Trump called the pay hikes “inappropriate.” The President has a point. According to CareerTrend.com, being a government employee plays pretty well, offers great job security (even if you are a lousy employee), and the pressures are far less than the private sector. Here are the salary stats for federal workers from Career Trend. The average earnings for full-time federal government employees was $74,403 in 2009. This figure does not factor in employee benefits, which are an important part of a federal employee’s compensation. Managerial Salaries The average salary for financial managers working for the federal government was $119,671 in 2009, according to the BLS. On average, information technology managers made $91,104. The average human resources manager took home $81,837.While federal employees won’t be getting a bigger pay raise, one segment of government workers are not included in the cut – the military. In fact, for 2018, military members will see an increase of 2.1% to 2.4% in pay. It isn’t all bad news for federal employees. In order to stay competitive, President Trump did authorize localized increases (in cities in which the cost of living is higher, like New York) for some workers. The Daily Mail reports. Trump said, ‘locality pay increases averaging 26.16 percent and costing $26 billion would go into effect in January 2018.’ Trump is adjusting that to an average increase of just 0.5 per cent. ‘Locality’ bonuses are supplements to base government workers’ salaries based on where they live, accounting for differences in the cost of living in various parts of the country. The lowest amount, paid to employees in rural areas and smallish cities, is just over 15 per cent. The highest, in the San Francisco bay area, is more than 38 per cent.President Trump addressed why it is important to boost pay to our military members. ‘I strongly support our men and women in uniform, who are the greatest fighting force in the world and the guardians of American freedom,’ Trump wrote. ‘As our country continues to recover from serious economic conditions affecting the general welfare, we must work to rebuild our military’s readiness and capabilities.’ However, the union representing government workers is not happy. They claim that the current proposals to the retirement system would “result in a pay cut for federal workers.” The National Treasury Employees Union, which represents 150,000 federal employees, carped in a statement that Trump’s number for civilians is ‘too low especially in light of the fact that federal law calls for a 1.9 percent across-the-board raise and private sector wages are growing at an even faster rate.’
Views: 547 LATEST NEWS GLOBAL
Federal Employees Data Collection 2018 | EZ Learning
 
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LIKE | COMMENT | SHARE | SUBSCRIBE Federal Employees Data Collection 2018 | EZ Learning { Please Subscribe my Channel } ................................................................................................................. highest paying jobs in the w latest news, how to pay employees in quick books 2018, federal employees data collection 218, federal government employees demands, california federal employee salaries, federal employees retirement system, federal employee viewpoint survey, federal procurement data system, data and analytics series 2018, federal wage system definition, retirement benefits institute, presidents management agenda, how to get government job, federal employee salaries, federal employee benefits, how to get a federal job, cnn tonighttruthunveiled, federal government jobs, cnn tonightdavid asman, fox business real news, government retirement, federal raise freeze, truthunveiled777dfas, employee wage freeze, government spending, highest paying jobs, out of service debt, politi donald trump, katherine archuleta, employee engagement, federal contracting, federal retirement, international news, federal government, federal employees, salary in the usa, news and politics, professions 2017, independent news, general schedule, federal workers, federal pension, live video news, broken promises, president trump, brandon christy, fers retirement, after the bell, highest salary, opm retirement, data analytics, happening now, american jobs, breaking news, headline news, debt spending, beneficiaries, steve quayle, news network, latest news, white house, personality, getting a g, high salary, po medicare, health care, collection, apple news, video news, daily news, local news, healthcare, lisa haven, employees, don lemon, jobs 2017, economics, providers, pay raise, lyn leahz, true news, politics, congress, deficits, medicaid, increase, federal, Thanks for watching..Hope you like this.. FACEBOOK PAGE LINK⤵ https://www.facebook.com/tropicalguru Twitter⤵ https://twitter.com/tropical_guru Google+ LINK, https://plus.google.com/u/0/103882578613739455912 Youtube PAGE https://www.youtube.com/ezlearning17 #EZLearning #EZLearningOfficial
Views: 35 EZ Learning
Understanding HSA, HRA, And FSA Plans NEW
 
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This video gives easy-to-understand explanations for various types of accounts as they relate to health plans and tax implications. It also shows the differences and similarities among the different accounts. H.S.A. - HEALTH SAVINGS ACCOUNT An HSA is a tax-advantaged medical savings account available to taxpayers enrolled in a HDHP (high deductible health plan). H.S.A. definition from Healthcare.gov: A medical savings account available to taxpayers who are enrolled in a High Deductible Health Plan. The funds contributed to the account aren't subject to federal income tax at the time of deposit. Funds must be used to pay for qualified medical expenses. Important IRS Updates Contribution Limits & FSA Compliance 11/11/14 update - The Internal Revenue Service announced the following new benefit plan limits for 2015. Health Savings Account (HSA) Limits: 2015 HSA contribution limits are $3,350 for self-only coverage and $6,650 for family coverage. High deductible health plan deductibles are $1,300 for individuals and $2,600 for families. Out-of-pocket expenses cannot exceed $6,450 for individuals and $12,900 for families. H.R.A. - HEALTH REIMBURSEMENT ARRANGEMENT Money in an HRA can only be used to pay for eligible medical expenses incurred by employees and their dependents enrolled in an HRA. An employer may limit what expenses are eligible under an HRA plan. H.R.A. definition from Healthcare.gov: Health Reimbursement Accounts (HRAs) are employer-funded group health plans from which employees are reimbursed tax-free for qualified medical expenses up to a fixed dollar amount per year. Unused amounts may be rolled over to be used in subsequent years. The employer funds and owns the account. Health Reimbursement Accounts are sometimes called Health Reimbursement Arrangements. F.S.A. - FLEXIBLE SPENDING ARRANGEMENT A Health Care Flexible Spending Arrangement (FSA) is an employer sponsored benefit that enables employees to set aside pre-tax dollars out of their paycheck to pay for eligible health care expenses. Monies put into the plan avoid both Federal Income Tax and FICA. 11/11/14 update - The Internal Revenue Service announced the following new benefit plan limits for 2015. In addition, the IRS just issued an important change to Section 125 Cafeteria Plans. We're notifying FSA clients about this change now. Flexible Spending Account (FSAs) Limits: Healthcare FSA: The annual maximum for Healthcare FSAs has increased from $2,500 to $2,550 for 2015. Dependent Care FSA: At this time, the IRS has not released information on contribution limit changes to these plans. Transit & Parking FSA: Contribution limits remain unchanged for 2015. The monthly limits are $250 for parking, $130 for transit and $20 for bicycle commuting. F.S.A. definition from Healthcare.gov: A Flexible Spending Account (also known as a Flexible Spending Arrangement) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t have to pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside. You can use funds in your FSA to pay for certain medical and dental expenses, including copayments and deductibles. FSAs are available only with job-based health plans. Employers may make contributions to your FSA. You can’t spend FSA funds on insurance premiums. *** As always, be sure to consult your CPA and Plan Administrator on the rules for limits, carry-overs, and allowable deductions for every plan year. www.BenefitCompare.com Follow us on Twitter: @BenefitCompare Customer Support on Twitter: @TechHelpBC Additional video resources from Benefit Compare: Explaining The Terms and Definitions Of Health Insurance http://youtu.be/4qHShvS2at4 Will You Have Restricted Access To Your Health Providers? http://youtu.be/LUxKovobFf4 METAL TIERS: Choosing Bronze, Silver, Gold, or Platinum Health Plans http://youtu.be/nKFyHyO6d-E What Are The Differences Between HMO, PPO, And EPO Health Plans? http://youtu.be/AUmuJIe86dk
Views: 34373 BenefitCompare
Confusion Clouds Federal Employees’ Benefits - Right on the Money – Part 1 of 5
 
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Sub Headline: The true cost of workers’ benefits is as varied as agencies’ acronyms. Synopsis: Though often lumped together, wide differences exist among federal employees’ benefits. Frequently assumed to be generous, benefits to include spouses and children can be surprisingly costly and even punitive. Content: FEGLI, CSRS, FERS, VA, FBI and DEA. Each applies to the federal government, but without a scorecard, it’s difficult to tell which is an organization and which is a benefit of working for an organization. Though efforts have been made over the years to align federal workers’ benefits with their private sector counterparts, key differences remain, and the feds’ benefits can be a language unto itself. According to a 2010 Washington Post article, non-uniformed, federal government employees totaled nearly 2.8 million, including about 600,000 in the United States Postal Service. Despite the volume of workers – and many billions of dollars under management – outstanding rates and payouts are not the norm. While workers can participate in pensions, life insurance, Social Security and a 401(k)-like equivalent named Thrift Savings Plan (TSP), there are quirks that many workers don’t realize. For example, workers can specify that a spouse receive a portion of their pension, 50% - 55%, if the worker predeceases the spouse. For that right, the worker’s pension is reduced by 10%. But it’s 20% when calculated as a 10% cost of a 50% payout. Surprising to most, the accumulated pension amount withheld is retained by the government should the spouse predecease the worker, thereby making the spouse-friendly benefit moot. For a worker retired 20 years, this could mean tens of thousands of dollars. Other quirks of the system include: • Eligibility of benefits and employer matches are correlated to start dates and can differ by organization. • TSP monies set aside in the conservative G-fund are subject to the government’s use to stir the economy in the event of a government shutdown. • Workers who retire to North Carolina receive their federal retirement benefits nearly tax-free and state taxes do not apply if they vested before 1989. • Life insurance premiums paid by the worker are often prohibitive and accelerate quickly. For all the variances that apply to federal employees, they would do well to engage an experienced and knowledgeable retirement professional to accurately sort through the options and opportunities of retirement. Syndicated financial columnist Steve Savant interviews retirement specialist Tom Ables. Right on the Money Show is an hour long financial talk distributed to 280 media outlets, social media networks and financial industry portals. (www.rightonthemoneyshow.com) https://youtu.be/mPBbXsMer9E
Supreme Court Argument: Sebelius v  Hobby Lobby Stores (Audio)
 
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Supreme Court Argument Audio Sebelius v Hobby Lobby Stores Supreme Court Argument Audio Sebelius v Hobby Lobby Stores Supreme Court Argument Audio Sebelius v Hobby Lobby Stores Under the Affordable Care Act (ObamaCare) companies are required to provide health care to employees or face a fine/tax. These plans are required to supply free or low cost birth control. Can the government force a company to provide these plans (or pay a fine) if the company objects on religious grounds? 1st Amendment. First Amendment. Supreme Court of the United States of America. Barack Obama. ObamaCare. ACA. Religion. Abortion. Kathleen Sebelius. Healthcare. Birth Control. Transcript: http://www.supremecourt.gov/oral_arguments/argument_transcripts/13-354_5436.pdf Tuesday, March 25, 2014 The above­ entitled matter came on for oral argument before the Supreme Court of the United States at 10:11 a.m. APPEARANCES: PAUL D. CLEMENT, ESQ., Washington, D.C.; on behalf of the Private Parties. DONALD B. VERRILLI, JR., ESQ., Solicitor General, Department of Justice, Washington, D.C.; on behalf of the Federal Government. CONTENTS ORAL ARGUMENT OF PAGE PAUL D. CLEMENT, ESQ. On behalf of the Private Parties 4 ORAL ARGUMENT OF DONALD B. VERRILLI, JR., ESQ. On behalf of the Federal Government 41 REBUTTAL ARGUMENT OF PAUL D. CLEMENT, ESQ. On behalf of the Private Parties 83 PROCEEDINGS (10:11 a.m.) CHIEF JUSTICE ROBERTS: We'll hear argument this morning in consolidated cases Number 13­354, Sebelius, Secretary of Health and Human Services v. Hobby Lobby Stores; and 13­356, Conestoga Wood Specialties Corporation v. Sebelius. Mr. Clement. ORAL ARGUMENT OF PAUL D. CLEMENT ON BEHALF OF THE PRIVATE PARTIES MR. CLEMENT: Mr. Chief Justice, and may it please the Court: When a Federal Government agency compelled employers to provide something as religiously sensitive as contraception, it knew that free exercise in RFRA claims would soon follow. In particular, the agency itself provided exemptions and accommodations for the religious exercise of a subset ­­ JUSTICE SOTOMAYOR: Is your claim limited to sensitive materials like contraceptives or does it include items like blood transfusion, vaccines? For some religions, products made of pork? Is any claim under your theory that has a religious basis, could an employer preclude the use of those items as well? ...
FEGLI Basic Life Insurance Basics
 
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Federal Employee Group Life Insurance Basic Life Insurance Basics Topics covered include: How much are you paying for Basic Life Insurance? When does it reduce? How much do I have? Link to FEGLI article discussed: https://www.opm.gov/healthcare-insurance/life-insurance/ -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
VISION INSURANCE is it worth it? Vision Service Plan VSP review
 
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VISION INSURANCE is it worth it? Vision Service Plan VSP review
Views: 2156 LEARNINGCHORDS
Private Sector vs.  Public Sector
 
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If you were mailing an extremely important package, you'd probably trust FedEx more than the U.S. Postal Service. But why? Is it because FedEx is a private company, while the post office is run by the government? What are the differences between the "private sector" and the government sector? Why does it matter? Find out in this animated two-minute video. Donate today to PragerU! http://l.prageru.com/2ylo1Yt This video is part of a collaborative business and economics project with Job Creators Network. To learn more about JCN, visit https://www.jobcreatorsnetwork.com. Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: If you had something really important to mail, would you head to the Post Office, which is run by the government and considered part of the public sector, or would you go to a place like UPS or FedEx, which are private businesses. Politicians in the media often talk about the private and public sectors of our economy but what's the difference? And which one is more effective? The private sector is made up of businesses or corporations owned by people. The private sector includes malls, grocery stores, and your local diner. To make a profit in the private sector, businesses must earn our money by offering us products and services that we want or need. When businesses have to compete for the same dollars, prices go down because no one wants to pay twice as much for shoes at one store if you can get the same pair cheaper at another place. On the other hand, the public sector is not supported by profits. It doesn't have to compete for our dollars. Instead, the public sector uses our tax dollars to fund its services. So we pay for these programs no matter how much or how little we use them. The government decides how our tax dollars should be spent in the public sector. This makes sense for some things. For example, you probably wouldn't want firefighters or police officers competing with one another for your business. In other cases though, this means things cost more or service is worse. The U.S. Post Office has $100 billion in debt and is regularly bailed out with taxpayer money. And the Department of Motor Vehicles isn't usually known for fast, friendly service. In contrast, private companies know that if they offer poor customer service and don't make money, they'll go out of business. When comparing the private sector with the public sector, it's clear that the market-driven private sector is more efficient. When you don't have to be profitable or accountable, things tend to be more expensive and the service is worse. So when there's a choice between a private sector or a government service, think about that package you really need delivered.
Views: 474771 PragerU
FERS Federal Benefits: Planning for Retirement
 
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The objective of this presentation is to identify options, eligibility, and calculation of Federal retirement benefits for the purpose of equipping employees with the knowledge required to make competent decisions regarding their annuity, Thrift Savings Program, and Social Security.
#21 Explaining the Health Insurance Marketplace to Employees
 
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This short video is a light-hearted, visual approach to what could be a very boring topic. In the United States, the Health Care Marketplace (also called the "exchange") is a key feature of the Affordable Care Act (often referred to as "Obamacare"). It's intended to be an online marketplace where consumers can research available options and then buy health insurance. It's called the "Marketplace," but there isn't just one ... all 50 states have their own marketplaces, some administered by the federal government and some by individual states. Furthermore, there are new tax credits to help lower-income households pay for a health care plan. Most people get health insurance through their employers. It sounds like most employees who earn above minimum wage and have decent health benefits won't see any advantage to shopping for insurance from the Marketplace. But the government requires all large employers to provide employees with information about the Marketplace, just in case. In addition, employees are hearing a lot of noise about it from advertising and news reports. As a result, at Aspendale Communications, we've been helping employers explain the Marketplace to their employees ... to avoid confusion among employees, and to help them appreciate the value of their employee benefits. We can custom-fit the video to an employer's specific information and the specific issues their employees may need to consider. For example, some employers may need to let employees know they may find more affordable plans in the Health Insurance Marketplace. Other employers may want to make sure employees know about the Marketplace as an alternate to COBRA if their coverage ends, or as future consideration for retiree health care. If your organization would benefit from this video or other internal communications, please contact us. We would love to help! EngagingLeader.com AspendaleCommunications.com
Views: 3345 Jesse Lahey
Trump's fight against federal workers and the health of labor unions
 
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The Trump administration has been ramping up pressure on organized labor and federal workers lately. The president issued executive orders limiting the activities of the unions that represent them -- which was later blocked by a federal judge -- then eliminated a potential pay hike for federal employees. Yamiche Alcindor takes a look at those stories with Dave Jamieson of HuffPost. Find more from PBS NewsHour at https://www.pbs.org/newshour Subscribe to our YouTube channel: https://bit.ly/2HfsCD6 Follow us: Facebook: http://www.pbs.org/newshour Twitter: http://www.twitter.com/newshour Instagram: http://www.instagram.com/newshour Snapchat: @pbsnews Subscribe: PBS NewsHour podcasts: https://www.pbs.org/newshour/podcasts Newsletters: https://www.pbs.org/newshour/subscribe
Views: 11177 PBS NewsHour
The Fallacy of Single-Payer Health Care
 
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Chris Pope joins John Stossel to talk about the debate over single-payer health care—a system in which the federal government would assume all health-care costs currently borne by private insurers, employers, and individuals. Momentum for single-payer is growing among Democratic politicians. Senator Bernie Sanders’s “Medicare for All” proposal would impose $32 trillion in new costs over ten years and a likely annual tax increase of $26,000 per American household. It’s hard to imagine that Congress would adopt massive federal tax increases and rationing of health-care services, but incremental proposals, such as Medicaid buy-in and strict price controls, could be on the horizon if Democrats capture the White House in 2020 and do well in the congressional elections. Advocates for single-payer health care point to European countries with generous social-welfare systems as evidence of its success. They don’t acknowledge the fact that Germany and France, like the United States, have private and employer-funded health insurance, in addition to government programs for the poor. In the meantime, U.S. lawmakers continue to ignore reforms—like eliminating barriers to hospital competition—that would probably be more effective in improving America’s health-care system. This video is part of a special collaboration with John Stossel and City Journal contributors: https://www.city-journal.org/stossel
Views: 1886 Manhattan Institute
CLRA - Health Insurance Vocab - Medicare Hospital Insurance Tax
 
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Medicare Hospital Insurance Tax - A tax under the Federal Insurance Contributions Act (FICA) that is a United States payroll tax imposed by the Federal government on both employees and employers to fund Medicare.
Views: 998 CLRA Group
Top 5 Tips for Young Federal Employees
 
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Young Federal Employees have their work cut out for them. Don't make the mistake like so many retiring who wish they would have began planning earlier. Here's my top 5 tips for young federal employees! Article: http://www.fedretirementplanning.com/top-5-tips-for-young-federal-employees -- ► Subscribe to My Channel Here: https://www.youtube.com/channel/UC8bWrSS2BdaQGtc1mq45Z6g?sub_confirmation=1 -- Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management through Cooper is able to tackle the issues that are unique to federal employees. Cooper is also a public speaker who is available for various federal conferences and events. Find Cooper here: Website: http://fedretirementplanning.com Work with Cooper: http://http://www.fedretirementplanning.com/work-with-cooper/ Facebook: https://www.facebook.com/fedretirementplanning/ Email: cooper@fedretirementplanning.com -- As always, enjoy, and please subscribe! -- © Copyright Fed Retirement Planning 2016, All Rights Reserved
Trey Gowdy Says Trump Administration Respects Federal Employees Like Past Presidents
 
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Trey Gowdy Says Trump Administration Respects Federal Employees Like Past Presidents Original Air Date: 5/16/18
Views: 8845 Media Buzz
Public Union: Public Enemy
 
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Public-sector unions have been gaming the political system for decades, bankrupting whole cities and plunging states into massive debt. How did this happen and can it be stopped? Akash Chougule, senior policy fellow for Americans for Prosperity, has the answers in this sobering video from Prager University. Donate today to PragerU! http://l.prageru.com/2eB2p0h Get PragerU bonus content for free! https://www.prageru.com/bonus-content Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/2aozfkP JOIN our Educators Network! http://l.prageru.com/2aoz2y9 Script: How would you like to fund politicians with whom you strongly disagree? Not interested? How about if I… forced you? How would I do that? Well, what if I said, “If you don’t pay, you lose your job.” For decades, millions of state and local government workers—police, firefighters, teachers, and others—have been forced to make that choice. And who forces them? Public-sector unions; that is, unions who represent public-sector employees. How? It’s pretty straightforward. First, they demand employees pay hundreds of dollars in union dues as a condition of employment—meaning if they don’t pay, they get fired. Next, they use that money to support and elect union-friendly politicians. Then they negotiate contracts with those same politicians—kind of like negotiating with yourself. It’s a sweet deal—unless you’re a worker who doesn’t agree with those union-friendly politicians. Or the taxpayer who has to foot the bill for those union contracts. This game plan is not a secret. Here’s what the American Federation of State, County, and Municipal Employees say on their website: "We elect our bosses, so we've got to elect politicians who support us and hold those politicians accountable." These perverse incentives might help explain why, for most of American history, pretty much no one thought that unionizing government workers was a good idea. This includes liberal icon President Franklin Roosevelt. Roosevelt was a very strong supporter of private-sector unions, but a very strong opponent of public-sector unions. Here’s what he said on the subject in 1937: “All Government employees should realize that the process of collective bargaining…cannot be transplanted into the public service...” Roosevelt recognized that public-sector unions could hold the government hostage at will. They could simply threaten to walk off the job if they didn’t get what they wanted. Sanitation workers, for example, could put public health at risk by refusing to collect the garbage. Other public employees would have similarly disruptive power. This was, Roosevelt believed, “unthinkable and intolerable.” In 1943, New York state’s highest court agreed, calling government unions “not only incompatible with the spirit of democracy, but inconsistent with every principle upon which our government is founded.” In the late 1950s, New York City and Wisconsin defied this view and allowed their public employees to unionize. But it was President John F. Kennedy who opened the floodgates. In order to win the support of union leadership in the 1960 presidential election, he promised to allow federal employees to unionize—and fulfilled that promise with Executive Order 10988 in 1962. It was a shrewd political move, but a bad deal for the country, and its consequences are still being felt today as public-sector unionization spread rapidly in the decades that followed. Today, unions wield tremendous power in government. Try to fire a poor-performing government worker in New York City or Los Angeles. Or almost any unionized government employee anywhere. It’s extremely difficult—if not impossible—no matter how incompetent they might be. According to one union contract in Michigan, employees could be caught drunk at work five times before being fired. For the complete script, visit https://www.prageru.com/videos/public-union-public-enemy
Views: 3664970 PragerU
The Secret To Providing Health Care For Employees With Ease
 
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Fluid, conversational presentations/proposals. Makes life easy for Employers! Free printable Power Points and more. Flexible and customizable. Speak with your broker today and make life easy using Benefit Compare's quoting tool. Let's have a conversation about the best plan for you and your family. www.BenefitCompare.com Follow us on Twitter: @BenefitCompare Customer Service on Twitter: @TechHelpBC Additional Video Resources: Explaining The Terms and Definitions Of Health Insurance: http://youtu.be/4qHShvS2at4 Will You Have Restricted Access To Your Health Providers? http://youtu.be/LUxKovobFf4 METAL TIERS: Choosing Bronze, Silver, Gold, or Platinum Health Plans http://youtu.be/nKFyHyO6d-E What Are The Differences Between HMO, PPO, And EPO Health Plans? http://youtu.be/AUmuJIe86dk Understanding HSA, HRA, And FSA Plans: http://youtu.be/FOxJ5VpmK8g
Views: 110 BenefitCompare
Health care reform, uninsured, health care - Health Care Reform Alliance
 
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http://www.healthcarereformalliance.org/ In lieu of creating a vast new federal bureaucracy to implement President Obama's comprehensive health reform, please e-sign this petition below if you wish simply to have access to the same comprehensive health insurance coverage currently available to your United States senators and congressmen. We, the undersigned, hereby request the United States Senate and House of Representatives pass the following comprehensive health care reform legislation and that President Obama sign it into law: "In order to expedite universal health coverage in the United States of America, all American citizens shall be granted access to the Federal Employees Health Benefits Program ("FEHBP") health insurance plan from which members of Congress and their staff are allowed to obtain health insurance coverage." We trust if the FEHBP is good enough for you guys, then it's good enough for us.
GEHA Dental Membership 2017
 
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Get the most from your GEHA dental plan. Federal employees have trusted GEHA for 80 years. Start maximizing your benefits and welcome to the dental plan that fits.
Views: 1863 GEHAhealth
BILL PRESS: THE CASE AGAINST TRUMP
 
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"I'd give us an A." ―President Donald Trump, on his first 100 days in office. Bill Press, a popular radio host and former California Democratic chair, argues the opposite: that every day that Trump stays in office, he diminishes the United States and its people. In his new book, Trump Must Go, Press offers 100 reasons why he believes Trump needs to be removed from office, whether by impeachment, the 25th Amendment or the ballot box. Ranging from banning federal employees’ use of the phrase “climate change” to making disparaging comments about African nations and countries such as Haiti and El Salvador, Press lists his reasons why he believes the president is unfit for office. Press says that Trump’s calendar is marked with extensive “executive time” so he can tweet, golf and watch TV. But, in a political climate where the world has learned to expect the unexpected, Press will also offer a twist: one reason not to ditch Donald Trump.
Views: 19513 Commonwealth Club
President Trump Cancels Pay Raises Most Federal Employees Were Supposed To Receive Next Year | TIME
 
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President Donald Trump informed Congress on Thursday that he is canceling pay raises due in January for most civilian federal employees, citing budget constraints. Subscribe to TIME ►► http://po.st/SubscribeTIME Get closer to the world of entertainment and celebrity news as TIME gives you access and insight on the people who make what you watch, read and share. https://www.youtube.com/playlist?list=PL2EFFA5DB900C633F Money helps you learn how to spend and invest your money. Find advice and guidance you can count on from how to negotiate, how to save and everything in between. https://www.youtube.com/playlist?list=PLYOGLpQQfhNKdqS_Wccs94rMHiajrRr4W Find out more about the latest developments in science and technology as TIME’s access brings you to the ideas and people changing our world. https://www.youtube.com/playlist?list=PLYOGLpQQfhNIzsgcwqhT6ctKOfHfyuaL3 Let TIME show you everything you need to know about drones, autonomous cars, smart devices and the latest inventions which are shaping industries and our way of living https://www.youtube.com/playlist?list=PL2862F811BE8F5623 Stay up to date on breaking news from around the world through TIME’s trusted reporting, insight and access https://www.youtube.com/playlist?list=PLYOGLpQQfhNJeIsW3A2d5Bs22Wc3PHma6 CONNECT WITH TIME Web: http://time.com/ Twitter: https://twitter.com/TIME Facebook: https://www.facebook.com/time Google+: https://plus.google.com/+TIME/videos Instagram: https://www.instagram.com/time/?hl=en Magazine: http://time.com/magazine/ Newsletter: time.com/newsletter ABOUT TIME TIME brings unparalleled insight, access and authority to the news. A 24/7 news publication with nearly a century of experience, TIME’s coverage shapes how we understand our world. Subscribe for daily news, interviews, science, technology, politics, health, entertainment, and business updates, as well as exclusive videos from TIME’s Person of the Year, TIME 100 and more created by TIME’s acclaimed writers, producers and editors. President Trump Cancels Pay Raises Most Federal Employees Were Supposed To Receive Next Year | TIME https://www.youtube.com/user/TimeMagazine
Views: 1326 TIME
H.R. McMaster Requests Anti-Leaking Training For All Federal Employees
 
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The Trump administration is set to crack down on White House leaks, which are damaging President Trump's plans and endangering national security. One America's Kendra Sitton has more on the new efforts, and why federal employees must comply.
Explore VA benefits: Overview of life insurance and how to apply
 
01:34
The U.S. Department of Veterans Affairs (VA) provides life insurance for Veterans and their families. http://www.explore.va.gov Explore VA benefits and apply.
The US’s other Debt Crisis - VisualPolitik EN
 
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The US economy is going through a fabulous moment. After 10 years of uninterrupted economic growth, the great American engine is working at full speed: industrial production, the SP 500 and exports are at record highs while unemployment is at its lowest level in 20 years. However, the US economy has another face of which we’ve already talked about here in VisualPolitik: the public debt and the federal government deficit are out of control. However, the federal government isn’t the only debt and credit addict. In this video, we’ll talk about the other debt crisis that looms over the American giant. Support us on Patreon! www.patreon.com/visualpolitik And don't forget to visit our friend’s podcast, Reconsider Media: http://www.reconsidermedia.com/
Views: 242324 VisualPolitik EN
President Obama: Address to Congress on Health Insurance Reform
 
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The President delivers an address to a joint session of Congress, explaining just how he wants to bring peace of mind to Americans who have insurance, and affordable coverage to those who don't. September 9, 2009. (Public Domain)
Views: 195787 The Obama White House
OSHA Safety & Health Training Courses in Maryland
 
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United Alliance Services Corporation www.unitedallianceservices.com 877-399-1698 Who Enforces the OSHA Regulations in Maryland? The state of Maryland, under agreement with OSHA, operates the Maryland Occupational Safety and Health (MOSH) program in accordance with Section 18 of the Occupational Safety and Health Act of 1970. The Maryland plan was certified on February 15, 1980 and was granted final state plan approval on July 18, 1985. The Maryland Occupational Safety and Health (MOSH) works to improve the safety and health of Maryland's workers by setting and enforcing standards; providing training, outreach, and education; establishing partnerships; and encouraging continual process improvement in workplace safety and health. MOSH, with the assistance of the MOSH Advisory Board, develops and proposes rules and regulations designed to prevent accidents and occupational diseases in every occupation or place of employment in Maryland. OSHA Regulations and Standards in Maryland: In order to avoid duplication of regulatory requirements and facilitate compliance by Maryland employers, MOSH has adopted the federal Occupational Safety and Health Standards contained in Title 29 Code of Federal Regulations Part 1910 (General Industry), Title 29 Code of Federal Regulations Part 1926 (Construction), and Title 29 Code of Federal Regulations Part 1928 (Agriculture). In addition to these federal standards, MOSH has adopted several regulations that are unique to Maryland. These are available on the MOSH website. Maryland OSHA State Laws for the Construction Industry: An OSHA 10 hour Outreach Training course is not required by law in Maryland, however; the training is already a common requirement on large commercial projects (public and private). Due to the prevalence of union construction setting a "baseline" and imposing a minimum standard to which smaller, non-union contractors who wish to undertake public work must now adhere, the OSHA 10 has become an industry mandate without a law behind it. Already required by five states in the Northeast the OSHA 10 Hour Course has become an "industry standard" for both the public and private sector projects. Many contractors in Maryland also encourage supervisors to take the OSHA 30-hour course in order to better manage their 10-hour-trained workforces. OSHA Jurisdiction in Maryland: MOSH has jurisdiction over all public and private sector places of employment in the state of Maryland, with the exception of federal employees, the United States Postal Service, private sector maritime activities (shipyard employment, marine terminals, and long shoring), and military bases, which are subject to federal jurisdiction. Maryland OSHA Information: The Maryland Occupational Safety and Health Program (MOSH) is part of the Maryland Division of Labor and Industry. Maryland OSHA is headquartered in Baltimore, Maryland and has field offices in Easton, Belair, Laurel, Baltimore, and Hagerstown. The compliance unit maintains offices in Baltimore, Belair, Easton, Hagerstown, and Laurel. The telephone number for reporting emergencies to MSOH is 1-888-257-6674. Federal OSHA's national emergency hotline telephone number is 1-800-321-OSHA. A telephone paging system in effect during evening and weekend hours and ensures that compliance officers are available around the clock to respond appropriately to emergency situations. The OSHA national emergency hotline telephone number is 1-800-321-OSHA or visit OSHA website at http://www.osha.gov/
Hope For Federal Furlough Employees Extra Income During Partial Government Shutdown
 
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Hope For Federal Furlough Employees http://www.like-and-share.it/go/take-action-here Federal Furlough Employees Extra Income to HELP Federal Employees http://youtu.be/4Xm9-rSmuHU - Live From Disneyland - Federal Furlough Employee: Online Business - Franchises For Sale Under 10k - Just Take the Splash! http://www.youtube.com/watch?v=4Xm9-rSmuHU Hope For Federal Furlough Employees Extra Income During Partial Government Shutdown The Senate stripped several of the House GOP's amendments from a short-term funding bill and sent the legislation back, making it certain that a partial government shutdown occurred. This government shutdown will hit federal workers and poor Americans. The economic impact of a shutdown depends on how long it lasts, but workers and the poor are likely to be hit the hardest. About 800,000 of 2.1 million federal employees will be furloughed, with no guarantee of retroactive pay. "Essential" employees like active-duty service members, scientists posted to the International Space Station, mine inspectors for the Department of Labor, and Secret Service agents will continue to work, many without pay. The members of Congress creating the mess are considered essential, and will receive their paychecks. This is how we can help federal employees; http://j.mp/Take-Action-Here TEXT: TAKEACTION TO: 72727 00:03 Government Furlough Employees 00:07 Federal Furlough Employees 00:13 Hope For Federal Furlough Employees 00:24 Federal Furlough Employees Extra Income 01:06 Government Employee Furlough 2013 02:01 Furlough Federal Employees Unemployment Benefits Low-income women and children, on the other hand, may not be able to access food and health care. That's because federal funds will not be available for the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), which provides food benefits and clinical services. States may have enough cash to continue operations for a few days, but even federal contingency funds "would not fully mitigate a shortfall for the entire month of October," according to the US Department of Agriculture, which administers the program. Food stamp recipients would still receive their benefits through the SNAP program, but other nutritional programs would shut down. Several Head Start programs, which have already experienced crippling budget cuts under sequestration, would feel immediate effects and may be unable to offer educational services to children. By late October, the Department of Veteran's Affairs will run out of funds to pay compensation and pension to more than 3.6 million veterans. The DC area would feel the shutdown most acutely.The federal government employs about 30 percent of the workers in the District of the Columbia, 20 percent of those in Arlington County, Virginia, and 10 percent in Montgomery County, Maryland. Because of the sequester government workers have already been hit with pay freezes and furloughs, and 330,000 people in the region lost their jobs. Searches related to Government Furlough Employees furlough government employees 2013 furlough of federal government employees furlough of federal employees federal employees furlough 2013 government employee furlough 2013 government workers furlough 2013 federal government workers furlough "Our members have already suffered through six days of furloughs this year, we've been in a three-year pay freeze and there's been a constant threat of job loss. It's been a year of total uncertainty," said J. David Cox, president of the American Federation of Government Employees, the nation's largest federal employee union. Most of the union's members make between $35,000 and $40,000 a year. The District would be legally bound to curtail all of its services, including garbage collection, and to furlough all but essential employees. Frustrated by the lack of budget autonomy in the District, city leaders have made their own plans, which include declaring all workers essential and drafting legislation to pay them with a contingency fund. Ultimately, the millions of Americans waiting for a budget that addresses long-term unemployment and wage stagnation, that provides adequate funding for public services and that strengthens the economy as a whole will be hurt by a government shutdown and any other delays in the passage of a long-term spending bill. But instead of governing, the GOP will turn the lights off—and even that won't stop the Affordable Care Act rollout. Zoë Carpenter http://goo.gl/0Efrjk Searches related to Federal Furlough Employees furlough federal employees 1995 furlough federal employees 2011 furlough federal employees 2012 furlough days for federal employees furlough definition furlough federal employees march 2011 furlough federal employees 2013 furlough federal employees unemployment benefits help federal employees Hope For Federal Furlough Employees Extra Income During Partial Government Shutdown http://www.youtube.com/watch?v=4bAogObgKLo
Views: 493 Ollie Cantos
Highmark Health Enterprise – United Concordia TRICARE Dental Program
 
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Hear from our United Concordia team as they talk about why we are excited about supporting the TRICARE Dental program and what it brings to our company.
Views: 728 Highmark
Comparing Canadian and American Health Care
 
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For the first time ever, KPBS teams up with the Canadian Broadcasting Corporation to compare American privatized medicine with government funded, universal health care in Canada. In the end, which system would make us healthier? In which country would we live longer? And is basic health care a right or a privilege? [San Diego Week broadcasts this Envision San Diego episode called "Right to Health" Friday July 3, 2009]
Views: 150198 KPBS News
Federal Employees... They work for U.S.
 
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PSA - Without us
Views: 88 NTEU67
Understanding the Tax Plans of Donald Trump and Ted Cruz
 
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In which John compares the tax proposals of Republican presidential candidates Ted Cruz and Donald Trump, and also discusses the current U.S. federal income tax system and the size and scope of federal budget. Sources and much more background available below: Why not John Kasich? Because his tax proposal has too few details to analyze meaningfully. http://www.taxpolicycenter.org/taxvox/governor-kasich-tell-us-your-tax-ideas The nonpartisan Tax Policy Center's analysis of Ted Cruz's tax plan: http://www.taxpolicycenter.org/publications/analysis-ted-cruzs-tax-plan/full The (right-leaning) Center for Federal Tax Policy's analysis of Ted Cruz's taxation proposals: http://taxfoundation.org/article/details-and-analysis-senator-ted-cruz-s-tax-plan The nonpartisan Tax Policy Center's analysis of Donald Trump's tax proposals. http://www.taxpolicycenter.org/publications/analysis-donald-trumps-tax-plan/full The (right-leaning) Center for Federal Tax Policy's analysis of Trump's tax plan: http://taxfoundation.org/article/details-and-analysis-donald-trump-s-tax-plan More information on Ted Cruz's proposed VAT, or "business flat tax." http://taxfoundation.org/blog/ted-cruz-s-business-flat-tax-primer Understanding the current federal budget of the United States government: https://www.nationalpriorities.org/budget-basics/federal-budget-101/spending/ And the current state of federal income tax in the United States: https://en.wikipedia.org/wiki/Income_tax_in_the_United_States ---- Subscribe to our newsletter! http://nerdfighteria.com/newsletter/ And join the community at http://nerdfighteria.com http://effyeahnerdfighters.com Help transcribe videos - http://nerdfighteria.info John's twitter - http://twitter.com/johngreen John's tumblr - http://fishingboatproceeds.tumblr.com Hank's twitter - http://twitter.com/hankgreen Hank's tumblr - http://edwardspoonhands.tumblr.com
Views: 729882 vlogbrothers
It Depends What State You’re In: Policies and Politics of the US Health Care System | Part 2
 
01:33:49
Health care and political systems are deeply intertwined, with implications for the quality and equality of access to health care. This symposium explores the political dynamics of health care laws and the way they affect people not only as patients but also as citizens. Health professionals, policy and public health experts, economists, sociologists, and political scientists draw on comparative politics and policies of the states—alone and as part of a federalist system—and on international perspectives to explore the relationships between citizens and their health care. ALTERNATIVE MODELS AT THE STATE AND FEDERAL LEVELS Michael Lighty (5:48), director of public policy, California Nurses Association/National Nurses United William Hsiao (26:17), K.T. Li Research Professor of Economics, Harvard T.H. Chan School of Public Health Michelle McEvoy Doty (44:16), vice president, Survey Research and Evaluation, The Commonwealth Fund Moderated by Zirui Song, assistant professor of health care policy, Harvard Medical School PANEL DISCUSSION (1:01:01) AUDIENCE Q&A (1:13:34) CLOSING REMARKS (1:29:33) Janet Rich-Edwards, faculty codirector of the science program, Radcliffe Institute; associate professor of medicine, Harvard Medical School; and associate professor, Department of Epidemiology, Harvard T.H. Chan School of Public Health
Views: 1491 Harvard University
What you need to know about Open Enrollment
 
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In the United States, annual enrollment (also known as open enrollment or open season) is a period of time, usually but not always occurring once per year, when employees of companies and organizations may make changes to their elected fringe benefit options, such as health insurance. The term also applies to the annual period during which individuals may buy individual health insurance plans through the online, state-based health insurance exchanges established by the Patient Protection and Affordable Care Act. Open enrollment is also prominent in Medicare, where almost 50 million enrollees can choose to stay in original Medicare, or join or change plans within the Medicare Advantage and Medicare Part D Prescription Drug programs for the coming calendar year. Individuals usually can make changes to their health insurance or fringe benefits only during the open enrollment period or when they have experienced a specific qualifying event. During this time period, an employer will typically communicate to all eligible employees what options they have for their benefit program. Often the vendors or insurance providers will be present to explain the details of their products. This can be done either with group presentations, "benefit fairs" or meetings one on one with each employee. As travel expenses continue to rise many vendors and insurance providers have turned to using independent "contract enrollers" to do the communication on their behalf. Open season is a prominent feature of the Federal Employees Health Benefits Program during which some 3 million Federal civilian employees and retirees may choose among several dozen health insurance plans for the coming year. Open season is scheduled in the fall each year, and plan enrollment decisions take effect in the following calendar year. Annual enrollment under the Patient Protection and Affordable Care Act Under the Patient Protection and Affordable Care Act, annual enrollment, or open enrollment, is the period that people in the United States who need health insurance can sign up for an individual insurance plan. Unless someone experiences a "qualifying event" outside of the open enrollment period, open enrollment is the only time to sign up for individual health insurance under the Affordable Care Act. Open enrollment lasts for three months; the 2015 period lasts from November 1, 2015 until January 31, 2016. Acting during the open enrollment period is vital for any individual who wishes to buy individual health insurance. During open enrollment anyone who wants to purchase insurance through the public exchange has the opportunity to do so despite circumstances, such as health or age. Outside of open enrollment it can be difficult to obtain insurance, either public or private, unless circumstances dictate. Important dates for 2016 enrollment November 1, 2015: Open Enrollment started — first day you can enroll in a 2016 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2016. December 15, 2015: Last day to enroll in or change plans for new coverage to start January 1, 2016 January 1, 2016: 2016 coverage starts for those who enroll or change plans by December 15. January 15, 2016: Last day to enroll in or change plans for new coverage to start February 1, 2016 January 31, 2016: 2016 Open Enrollment ends. Enrollments or changes between January 16 and January 31 take effect March 1, 2016.
BLACK VETERANS UNDER SIEGE IN FEDERAL GOVERNMENT
 
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Despite laws, like the Notification and Federal Employee Anti-discrimination and Retaliation (No FEAR) Act of 20o2 established to provide a work environment free of discrimination and retaliation, far too many U.S. federal officials continue to treat America’s returning service men and women of color unfairly. Black veterans often confront "race" discrimination in addition to military service-connected bias while working in the U.S. Federal government.
Views: 607 TheC4C
Sanitas Health Insurance - employer film
 
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Sanitas is the health insurer with a digital mindset. Our employees are go-getters who want to make a difference. We work together to develop new solutions that give our customers real freedom of choice. You’ll benefit from an inspirational working environment, central locations with modern offices, and friendly and welcoming colleagues. We give you plenty of space for individual creativity and support you in your personal development. We want you to feel at home. Do you want to work with Sanitas to make a difference? Apply now: https://www.sanitas.com/career
5. Insurance, the Archetypal Risk Management Institution, its Opportunities and Vulnerabilities
 
01:13:16
Financial Markets (2011) (ECON 252) In the beginning of the lecture, Professor Shiller talks about risk pooling as the fundamental concept of insurance, followed by references to moral hazard and selection bias as prominent problems of the insurance industry. In order to provide an explicit example from the insurance industry, he elaborates on the story behind American International Group (AIG), from its creation by Cornelius Vander Starr in Shanghai in 1919, to Maurice "Hank" Greenberg's time as CEO, until its bailout by the U.S. government in 2008. Subsequently, he turns toward the regulation of the insurance industry, covering state insurance guarantee funds, the role of the McCarran-Ferguson Act from 1945, as well as the impact of the Dodd-Frank bill on the insurance industry. He devotes special attention to two branches of the insurance industry--life insurance and health insurance--and emphasizes, among other aspects, the consequences of the health care overhaul in the U.S. from 2010. He discusses the example of earthquakes, with insurance in Haiti and catastrophe bonds in Mexico. At the end of the lecture, he critically reflects on the role of the insurance industry in the face of catastrophes. 00:00 - Chapter 1. Introduction 03:53 - Chapter 2. Concepts and Principles of Insurance 19:14 - Chapter 3. The Story behind AIG 35:51 - Chapter 4. Regulation of the Insurance Industry 50:04 - Chapter 5. Specific Branches of the Insurance Industry - Life and Health Insurances 01:03:18 - Chapter 6. Insurance in the Face of Catastrophes Complete course materials are available at the Yale Online website: online.yale.edu This course was recorded in Spring 2011.
Views: 75115 YaleCourses
Aneesh Chopra: Innovative State - How New Technologies Can Transform Government
 
01:01:57
Harvard Book Store welcomed Aneesh Chopra, the first Chief Technology Officer of the United States government, for a discussion of his book Innovative State: How New Technologies Can Transform Government. Over the last twenty years, our economy and our society, from how we shop and pay our bills to how we communicate, have been completely revolutionized by technology. As Aneesh Chopra shows in Innovative State, once it became clear how much this would change America, a movement arose around the idea that these same technologies could reshape and improve government. But the idea languished, and while the private sector innovated, our government stalled, trapped in a model designed for the America of the 1930s and 1960s. The election of Barack Obama offered a new opportunity. In 2009, Aneesh Chopra was named the first Chief Technology Officer of the United States federal government. Previously the Secretary of Technology for Virginia and managing director for a health care think tank, Chopra was tasked with leading the administration's initiatives for a more open, tech-savvy government. Inspired by private sector trailblazers, Chopra wrote the playbook for governmental open innovation. In Innovative State he offers an absorbing look at how open government can establish a new paradigm for the internet era and allow us to tackle our most challenging problems, from economic development to affordable health care.
Views: 566 WGBHForum
Health insurance and Top Health insurance companies  | Reviews 4U
 
02:13
Health insurance and Top Health insurance companies. #Health insurance and Top Health insurance companies Reviews. Health insurers collected some $944 billion in 2016 premiums, the most recent annual data available. #Best health insurance. #Health insurance companies. #affordable health care. #affordable health insurance. #health insurance. #cheap health insurance. #dental insurance. #health care plans. #health insurance companies. #health insurance marketplace. #health insurance quotes. #health savings account. #healthcare marketplace. #insurance health. #medical insurance. Your Question : ---------------------------------------------- When was the first health insurance? What is the largest health insurance company in the United States? What is an employer sponsored health insurance plan? What is government insurance? ------------------------------------------------
Views: 88 Reviews 4U