Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
page3APublicationofIndependentInsuranceAgentsofWVFirsttheSupremeCourtafArmsthePatientProtectionandAffordableCareActandthentherainscame.Andthenthewindscame.Andthencametheclaimsandtheyseemtojustkeeponcoming.TheSummerof2012willberememberedinWestVirginiaforalongtimetocome.ManyofIIAWVx19smemberagenciessufferedtheirownpoweroutagesandafewarestillwithoutpowertwofullweeksafterthestorm.TheassociationofAcewaswithoutpowerforaboutthreedays.IIAWVBusinessManagerValerieToneyhadnopowerinherMasonCountyhomefromJune29untilJuly10.Ifyouoryouragencyissufferingfromtheeffectsofthestormwhileyoustruggletohandletheenormousincreaseinworkfromnewclaimsletusknow.Theremayverywellbewaysinwhichwecanbeofassistancetoyou.OverthepastcoupleofweeksyouragencyhasreceivedatleastonecopyoftheBigx1cIx1dMarketscatalogueinthemail.InthiseditionoftheInsurorthereisanarticleaboutthecatalogueandthemarketsaccessprogramaswellasanelectroniclinktothecatalogue.Icanx19tencourageyoustronglyenoughtotakeafewminutesandreviewthecatalogue.TheproductsandservicesthatyoucanaccessrepresentsomeofthemostvaluablebeneAtsofyouragencyx19sassociationmembership.Makinguseofthemcanmakeyouandyouragencyalotofmoney.AfteryoureviewthecatalogueifyouhavequestionsbyallmeanscallmeorValerieToneyat800-274-4298andwewillbedelightedtowalkyouthroughtheprogramsandassistyouingettingyouragencysetuptotakeadvantageofthisgenuinelylucrativeopportunity.SpeakingoftheUSSupremeCourtdecisiononhealthcarereformPPACAnowattentionturnstoourownstategovernmentandhowWestVirginiawillreacttothedecision.GovernorEarlRayTomblinhasyettodecideifWestVirginiawilljoinafederalefforttoextendhealthinsurancetothousandsoflow-incomeWestVirginiansthroughanexpansionoftheMedicaidprogram.Medicaidcurrentlyinsuresabout420000WestVirginiansmakinguptoabout30percentofthefederalpovertylevel.Ifimplementedheretheexpansioneffortisestimatedtoprovideinsurancetoabout130000additionalWestVirginians.GovernorTomblinisfacingagenuinedilemma.AtArstglancehischoiceappearstobesimplebecausetheFederalGovernmentpaysthebillfortheArstfewyears.Theproblemliesdowntheroadbecauseafter2020stateshavetopay10percentofthebill.ThatseemstobeasmallportionbutWestVirginiax19stabisestimatedtobeabout80millionayearalthoughtherehavebeennorecentordetailedestimates.Anyoneknowwhereyoucanlayyourhandsonanextra80millionayearTheGovernorisalsonowfacingadecisionontheappointmentofmemberstoaboardthatwilloverseethestatex19sinsuranceexchange.ThelawthatcreatedtheboardcalledforalicensedinsuranceagenttobeamemberoftheBoard.GovernorTomblinx19sappointmentstothisboardareeagerlyawaitedbywiderangeofconstituenciesincludingtheIIAWV.InresponsetoaquestionposedbytheCharlestonDailyMailrecentlyJeremiahSamplesanofAcialwiththeWestVirginiaOfAcesoftheInsuranceCommissionersaidthefateoftheboardwasx1cbeingdeliberateduponbytheGovernorx19sOfAce.x1dAnadministrationrepresentativesaidearlierthisyearthattheGovernorwasawaitingtheSupremeCourtrulingtoappointmemberstotheboard.NowtheadministrationhastheSupremeCourtx19sdecision.ThenextdecisionisGovernorTomblinx19s.GovernorTomblinisanexperiencedandcapablepublicservantwhounderstandsstategovernmentanditsfundingaswellasanyonewhohaseverheldtheofAceofGovernor.Thedecisionfacinghimwillaffectourstateanditscitizensforgenerations.Finallyourassociationrecentlymarkedthepassingoftwogreatmemberagents.Ms.CubaDouglasofDouglasInsuranceServiceinBuckhannonandGeorgeH.FriedlanderfounderofGeorgeH.FriedlanderCompanyinCharlestonpassedawayafterlongandsuccessfulcareersasindependentinsuranceagents.Theassociationnotestheirpassingwithsadnessandrespect.BothMs.DouglasandMr.FriedlanderweregreatinsuranceagentsandtheysharedaloveofthebusinessandarespectfortheIIAWV.Wemissthemalreadyandextendourcondolencestotheirfamiliesandfriends.ThanksforyourmembershipinandsupportoftheIIAWV.Letusknowifwecanbeofassistancetoyouandyouragency.NOTEFROMTHECEOGrayMarionCAEIIAWVChiefExecutiveOfx12cergmarioniiawv.org