2018 Emergency Responder Health & Wellness Grant
For the 5th consecutive year, VFIS of Texas and Texas Mutual Insurance Company are sponsoring a need-based Health & Wellness Grant program for fire departments and non-profit EMS organizations in Texas. VFIS of Texas and Texas Mutual have donated $180,000 towards this grant which was presented at the annual SFFMA Annual Conference and Convention in San Marcos in June.
Grants up to $5,000 will be awarded based on financial need and are intended to encourage participation in a health & wellness program to prevent emergency responder deaths and injuries. Departments will need to apply for the grant, expend the funds and then send in copies of receipts in order to receive the grant funds.
** Grant deadline is December 31, 2017 **
By Bill Jenaway, Vice President, VFIS Education, Training and Consulting and President CFSI; Sean Carroll, Legislative Director CFSI; and Bill Webb, Executive Director CFSI
The recently enacted Patient Protection and Affordable Care Act (as amended by the Health Care and Education Reconciliation Act of 2010), has implemented a number of key changes that alters access to health care for individuals. The Act also has a number of impacts imposed to help pay for these changes in health care coverage. One of these is known as the “Cadillac Tax.” This provision imposes an annual 40 percent excise tax on plans with premiums exceeding $10,200 for individuals or $27,500 for a family (not including vision and dental benefits) starting in 2018.
The thresholds may be increased depending on actual medical inflation between 2010 and 2018 using a measure that looks to the Federal Employees Health Benefits (FEHB) program. The thresholds may also be increased for individuals in high-risk professions and pursuant to an age and gender adjustment. It is anticipated that the IRS will provide additional guidance regarding the thresholds and the adjustments to the threshold in its regulations.
The term Cadillac is used to describe the plan similar to that of the Cadillac automobile. The automobile has been known for its luxury, implying the Cadillac Health Care Plan is a luxury plan. Therefore, a Cadillac plan is any unusually expensive health insurance plan. The term gained popularity in the early 1990s when debates were occurring over health care plans during the Clinton Administration. This was followed by debate over possible excise taxes on Cadillac plans during the Obama Administration Health Care reform proposals. It should also be noted that bills proposed by Clinton and Obama did not use the term Cadillac.
The tax will apply to both fully insured and self-funded plans. For fully insured coverage that exceeds the applicable threshold, the issuer is responsible for paying the 40 percent excise tax. If it is self-funded coverage, the plan administrator (typically the employer) is responsible for paying the excise tax. The threshold is adjusted for individuals in high-risk professions, but only if a majority of employees covered by the plan are engaged in a high-risk occupation. This means a health care plan that covers only members of a fire department would be eligible for the increased threshold, but a plan that covers all municipal employees may not be eligible for increased threshold. Additional information about the thresholds and permissible adjustments will be addressed by the IRS in its regulations.
These high-value health plans are typical of the type of plans provided to high risk organizations such as fire and police agencies. So the first question is – Do you qualify? The second question is - Are you ready?
Taking care of emergency responder personnel is a responsibility of management and being safety/health conscious is a responsibility of both personnel and management. Thus, everyone in the organization plays a role in health care and in upcoming discussions of the Cadillac Tax and its impact. This issue will most likely be a discussion point during benefit discussions, contract negotiations, budgeting and strategic planning.
Even though the Cadillac Tax will not be effective until 2018, emergency service organizations may want to begin working with agents, brokers, consultants and insurers now to determine ways to manage the implications of the tax on benefit programs. This is particularly true if the organization has personnel engaged in future business planning activities, including collectively bargained plans where negotiations must take place before changes can be made to a plan. It is important for all those involved to have an understanding of the issues, the impacts on the responders and the organization, the options available and the decisions to make.
Read the entire VFIS fall newsletter here.
The University of Texas Health Science Center at Houston (UTHealth) Received a $1.5 Million Grant From FEMA to Address Volunteer Firefighter Health Issues.
http://gsnmagazine.com/node/42204 (Original Source)
The University of Texas (UT) Health Science Center at Houston has received nearly $1.5 million in preparedness funding from the Federal Emergency Management Agency (FEMA) to address the health of volunteer firefighters.
The UT Health Science Center at Houston will use the FEMA Fire Prevention and Safety (FP&S) grant to assess the effectiveness of an Internet-based firefighter health and wellness program for volunteer fire departments. A national sample of volunteer fire departments will be recruited for a six-month-long study that will focus on nutrition and fitness for the firefighters. Modifications will be made to the program based on the study findings.
The U.S. Fire Administration (USFA) has tracked the number of firefighter fatalities and conducted an annual analysis for 36 years. Through the collection of information on the causes of firefighter deaths, the USFA is able to focus on specific problems and direct efforts toward finding solutions to reduce the number of firefighter fatalities. This information is also used to measure the effectiveness of current programs directed toward firefighter health and safety.
According to FEMA, in 2012 there were 81 firefighter fatalities in the U.S., including 28 career firefighters, 42 volunteer firefighters, and 11 members of wildland fire agencies. The 42 volunteer firefighter deaths including 21 from rural fire departments and 21 from urban/suburban fire departments. The deaths resulted during different types of duties, including training, responding to fires, fireground operations, on-scene nonfire, after the incident, returning from incident, and other on-duty responsibilities.
“Volunteer firefighters are integral to the firefighting profession and to the communities they support,” said FEMA Region 6 Administrator Tony Robinson. “We are proud to be a part of this important effort to boost their health and well-being."
A volunteer firefighter works part-time or on-call and may have other jobs. Although they are volunteers, employers may pay them as employees when they respond to an emergency or participate in training drills, according to the Social Security Administration.
FP&S grants are part of the Assistance to Firefighters Grant program, grants that support projects to enhance the safety of the public and protect firefighters from fire and related hazards. The primary goal is to reduce injury and prevent death among high-risk populations. In 2005, Congress reauthorized funding for FP&S and expanded the eligible uses of funds to include Firefighter Safety Research and Development.
By Lorrie Barclay, for GSM Magazine
VFIS of Texas NEWS
Here you will find helpful information regarding firefighters, ems responders, and updates in insurance policies.