Taxing Health Insurance Premiums- A member sent the following letter to the office
regarding the Federal Governments proposed plan to tax health insurance premiums as taxable income. Please take note and contact the Nebraska Congressional Delegation. http://www.agcnebuilders.com/congdelegation.shtml
Received from a friend in the insurance business:
Family & Friends,
As many of you know I sell health insurance for a living... with that said I obviously watch the health care reform debate closely.
I wanted to take a moment to mention an idea that is gaining popularity and will impact everyone significantly...the taxation of health insurance premiums!!!
~ Under the current structure your current health insurance premiums are paid for with an untaxed dollar.
~ Under the new proposal your health insurance premiums will be paid for with a dollar that is now taxed at your current federal income tax rate.
~Keep in mind this new income may push you into a new income tax bracket.
What does this mean to you;
~ The average plan in the state of Nebraska for a single costs $6000 a year. Now apply a 23% federal income tax to the $6000 premium... $1380 financial impact to a single persons plan!!!
~ One of the plans the state of Nebraska offers its employees costs roughly $24,000 a year for family coverage. Now apply a 23% federal income tax to the premium... $5520 financial impact to a family plan!!!
I don't know about you, but I think this is bad. Tell your representatives you don't want this to happen.
Mike Johanns...202 224 4224
Ben Nelson...202 224 6551
Jeff Fortenberry...202 225 4806
Lee Terry...202 225 4155
Adrian Smith...202 225 6435
Click here for contact information and email addresses.
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Prepare Now to Meet EPA's Training and Certification Requirements for Lead-Based Paint Work
The U.S. Environmental Protection Agency's (EPA) new "Renovation, Repair, and Painting" program requires contractors who work in pre-1978 housing and child-occupied facilities to be certified and to follow specific lead-safe work practices by April 2010. The agency recently announced that it has begun to review and accredit training providers to conduct the courses that contractors covered by the lead rules are required to complete. Such contractors should start planning now in order to meet the upcoming compliance dates; EPA expects training opportunities to begin in summer 2009.
Approximately one year ago, EPA published a new rule to address lead-based paint hazards created by certain renovation, repair and painting activities (see AGC's Environmental Observer, April-May 2008). Specifically, contractors performing work that disturbs lead-based paint in homes, child care facilities (residential, pubic or commercial buildings) and schools built before 1978 must be properly trained and certified (i.e., certain contractors will need to complete an EPA-accredited training course) and follow specific lead-safe work practices to prevent lead contamination. Providers of renovation and dust sampling technician training must be accredited.
Until that time, EPA recommends that anyone performing renovation, repair and painting projects that disturb lead-based paint in pre-1978 homes, child care facilities and schools follow lead-safe work practices. For example, all contractors should: contain the work area, minimize dust and clean up thoroughly.
Current Requirements & Next Steps
Currently, contractors who perform renovation, repairs and painting jobs in pre-1978 housing and child-occupied facilities must, before beginning work, provide owners, tenants and child-care facilities with a copy of EPA's lead hazard information pamphlet Renovate Right: Important Lead Hazard Information for Families, Child Care Providers, and Schools (PDF) | En Español (PDF). Contractors must document compliance with this requirement -EPA's pre-renovation disclosure form (PDF) may be used for this purpose.
According to EPA, contractors who perform renovation, repairs and painting jobs should also:
- Take training to learn how to perform lead-safe work practices.
- Provide a copy of your EPA or state lead training certificate to your client.
- Tell your client what lead-safe methods you will use to perform the job.
- Learn the lead laws that apply to you regarding certification and lead-safe work practices beginning in April 2010.
- Ask your client to share the results of any previously conducted lead tests.
- Provide your client with references from at least three recent jobs involving homes built before 1978.
- Keep records to demonstrate that you and your workers have been trained in lead-safe work practices and that you followed lead-safe work practices on the job. To make recordkeeping easier, you may use the sample recordkeeping checklist (PDF) that EPA has developed to help contractors comply with the renovation recordkeeping requirements that will take effect in April 2010.
- Read about how to comply with EPA's rule in the EPA Small Entity Compliance Guide to Renovate Right (PDF) | en Español (PDF).
- Read about how to use lead-safe work practices in EPA's Steps to Lead Safe Renovation, Repair and Painting (PDF).
For additional information, visit EPA's web site at http://epa.gov/lead/pubs/renovation.htm.
In the coming months, EPA will also post a list of accredited trainers on its Web site. You can also call the National Lead Information Center (NLIC) at 1(800) 424-LEAD [5323] to find out more.
House Approves Legislation to Modernize and Green America's Schools
On May 14, the U.S. House of Representatives overwhelmingly approved legislation to modernize, upgrade and green America's schools by a vote of 275-155. The 21st Century Green High Performing Public School Facilities Act (H.R. 2187) invests billions of dollars in school repair and renovation projects that would create safer, healthier and more energy-efficient learning environments for students.
The bill would authorize $6.4 billion for school renovation and modernization projects for fiscal year 2010, and would ensure that school districts quickly receive funds for projects that improve schools' teaching and learning climates, health and safety and energy efficiency. The measure distributes funds by allocating the same percentage of funds to school districts that they receive under Part A of Title I of the Elementary and Secondary Education Act, except that it guarantees each such district a minimum of $5,000.
Below are estimates of the amount of funding that each state and school district would receive to modernize, upgrade and repair school facilities under the Act, as calculated by the Congressional Research Service--
Click here to download state-level data (PDF, 10KB)
Click here to download school district-level data (PDF, 775KB)
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