In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, April 2nd, 2017 was:
KAREN BONDEHAGEN
Fort Atkinson, WI
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
3/27/17
Dean Bruss
Vickie Gipson
Crystal Young
Alisa Jones
Tonya Velazquez
Valerie Kuehn
Christina Domingue
Cheryl Hall
Christine Acoba
Teena Sierson
Leslie Wagner Hobson
Tracy Shafer
Jonnalyn Gates
Andrea Timms
Tera Wardrip
Jennifer Sparks
Shona Ortenblad
Johnna Loth
Phyllis Hines
Jane Peterson
3/28/17
Susanne Killion
Rebecca Fauteux
Sheila Carvell
Juanita Williams-Jones
Kimberly Foster
Phyllis Hines
Rhonda Nicholson
Julie Cutshaw
Kristina Rosson
Heather Jacques
Jennifer Kinner
Steve Hardy
Brandi Chaney
Dean Bruss
Nelle Bailey
Sherri Kidwell
Melissa Turner Baker
Lisa Dion
Kathleen Hickman
Kevin Cusack
3/29/17
Sandra Sue Blanton
Jennifer Downing
Jane Peterson
Justin Wilcox
Sheila Vives
Kim Floyd
Sarah Bellestri Shih
Demetris Crutcher
Mary Achio
Stephanie Caldwell
Alysia Jackson
Alexandria Fields
Anna Nichols
Amber McGrath
Eva Biggs
Leslie Wagner Hobson
Anne Delos Reyes-Villafuerte
Christina Domingue
Carla S-Paige Williams
Kristina Harris
Kayla Hernandez
3/30/17
Jennifer Ramlet
Christy Hawkes
Sheila Carvell
Brandy Marie Williams
Jennifer Sparks
Kathleen Hickman
Maria Bouchard
Dean Bruss
Althea Thomas
Kayla Clemons
Michelle Hughes
Cheryl Ralley-Messick
Cheryl Hall
Beth Cleveland
Lori Capobianco
Christine Domingue
Angela Hendricks
Tera Wardrip
Leslie Wagner Hobson
Melissa D’Ornellas Curtis
Alisa Jones
Alicia Johnson
Lauren Bradley
Glenna Zanaglio
3/31/17
Brittany Marie Thompson
Kimberly Snyder
Dean Bruss
Sheila Carvell
Lauren Bradley
Tammy Alcorta
Kristina Harris
Melissa Barnes Walker
Christy Hawkes
Angela Hendricks
Jodi Stevens
Rhonda Nicholson
Phyllis Hines
Amber McGrath
Brandy Marie Williams
Allyson Becker
Abby Cox
Nitasha Shank
Kayla Clemons
Belinda Haas
Ashley Stamey Phillips
4/1/17
Kristina Rosson
Preeti Chand
Bobbie J Rittenhouse
Jamie Shapiro
Alicia Dansby
Timothy Simpson
Mya Murphy
Lauren Bradley
Cassandra Berholtz
Linda Pearson
Althea Thomas
Kayla Hernandez
Christina Dimingue
Sherri Kidwell
Thomas Ryan
Lotorya Patrick
Angela Nicole
Megan Rhyne
Sheila Carvell
Dana Dilaura
4/2/17
Jennifer Ramlet
Cheryl Hall
Joanie Waterman
Kizzy Alvarez DeSantis
Nai Merri
Karen Bondehagen
Jacqlyn Gummert
Kayla Clemons
Brandi Chaney
Geri Rus
Holly Cajigas
Mary Achio
Jean Simmons Homfeld
Rachel Munoz Navarro
Lisa Dion
Tina Casto-Shafer
Trish Marks
Chris Maxwell
Sarah Harrison
Michelle Hughes
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!) 
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs 
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
Read more
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, March 26th, 2017 was:
KRISTINA HARRIS
Sugar Land, TX
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
3/20/17
Tiffany Green Elliott
Sheila Carvell
Brandy Marie Williams
Susanne Killion
Dana Dilaura
Nai Merri
Valerie Kuehn
Kathleen Hickman
Ashley Oshier
Tina Marie
Allison Frederick
Megan Rhyne
Justin Wilcox
Christy Hawkes
Lotorya Patrick
Melissa Turner Baker
Geri Rus
Jennifer Kinner
Dmarie Nylin-Terrell
Desiree Ann
Cheryl Hall
Isis Sample
Lisa J Wright
Bea Patrick
3/21/17
Jennifer Mason
Desiree Ann
Crystal Young
Lisa J Wright
Jenny Merritt
Christy Hawkes
Bea Patrick
Nai Merri
Lotorya Patrick
Mya Murphy
Cyndi Jasheski
Hollie Jahnke
Destiny Landsaw Davis
Kimberly Taylor Hall
Timothy Simpson
Alexandria Fields
June Ebinger
Patricia Oehlert Vazquez
Amanda Quill
Chrissy Kim
3/22/17
Shelby Lynn
Leslie Wagner Hobson
Krystal Liddell
Phyllis Hines
Tiffany Greene Elliott
Misty Shallcross
Cheryl Hall
Brittany Marie Thompson
Valerie Kuehn
Jennifer Mason
Jennifer Vega
Alexis Maureen
Dena Baji
Cydni Jansheski
Geri Rus
Amber McGrath
Karron Redfield
Dmarie Nylin-Terrell
Christy Hawkes
Erin Leigh Will
3/23/17
Kimberly Snyder
Dean Bruss
Glenna Zanaglio
Nai Merri
Cheryl Hall
Sandy Nevels
Jodi Stevens
Jakara Jackson
Susanne Killion
Alexis Maureen
Sean Stover
Leslie Wagner Hobson
Valerie Kuehn
Brittany Michelle
Christy Hawkes
Crystal Hazelwood
Mya Murphy
Patricia Oehlert Vazquez
Brandy Marie Williams
Karen Jaras
Wendi Black
3/24/17
Kimberly Snyder
Valerie Kuehn
Christy Hawkes
Dena Baji
Amy Chavis
Kathleen Hickman
Paula Rousseau
Kimberly Foster
Phyllis Hines
Jonnalyn Gates
Pamela White Brearley
Jean Simmons Homfeld
Kendra George
Nitasha Shank
Crystal Young
Holly Cajigas
Kayla Clemons
Kendra George
Misty Shallcross
Deborah Farris
Althea Thomas
Sherri Kidwell
3/25/17
Juanita Williams-Jones
Ashley Stamey Phillips
Anna Nichols
Beth Cleveland
Jonnalyn Gates
Joanie Waterman
Tonya Velazquez
Amy Marie Wilkinson
Kimberly Snyder
Kimberly Taylor Hall
Mary Achio
Dean Bruss
Timothy Simpson
Megan Rhyne
Valerie Kuehn
Jade Good
Sheila Carvell
Cheryl Hall
Abby Cox
Carol Yemola
Phyllis Hines
Kristina Harris
3/26/17
Hollie Jahnke
Alisa Jones
Rebecca Fauteux
Derek Jennings
Brooke Scott
Jackie Hicks
Pamela White Brearley
Karen Bondehagen
Ralph Gonzales
Mary Achio
Phyllis Hines
Kimberly Snyder
Crystal Dotson
Althea Thomas
Jade Good
Anna Nichols
Crystal Young
Karen Goodwin Delaney
Lori Capobianco
Stephanie Beckwith
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans. 
Read more
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, March 19th, 2017 was:
JADE GOOD
Sinking Spring, PA
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
3/13/17
Kimberly Snyder
Desiree Ann
Christine Acoba
Mary Achio
Carole Jacobs
Althea Thomas
Glenna Zanaglio
Kayla Clemons
Melissa Ann Stura-Bassett
Timothy Simpson
Mary Ann Cody
Tiffany Greene Elliott
Sheila Carvell
Holly Cajigas
Trish Dye Masi
Jennifer Mason
Derek Jennings
Christy Hawkes
Dale Fish
Allison Frederick
Jennifer Ramlet
Melissa D’Ornellas Curtis
Lisa Puckett
3/14/17
Jennifer Ramlet
Lisa David Carr
Kimberly Snyder
Jackie Hicks
Nai Merri
Patricia Oehlert Vazquez
Kathleen Hickman
Myranda Medlin
Glenna Zanaglio
Derek Jennings
Kendra George
Ralph Gonzales
Sarah Bellestri Shih
Amy Chavis
Jennifer Lang
Brandy Marie Williams
Hollie Jahnke
Holly Cajigas
Beata Tybor
Mary Achio
Christina Radcliff
Jessica Miller
Nancy Scharnhorst
3/15/17
Paula Rousseau
Desiree Ann
Kathi Taylor
Stephanie Beckwith
Misty Shallcross
Anna Nichols
Nitasha Shank
Justin Wilcox
Dean Bruss
Kendra George
Christine Acoba
Crystal Young
Fanny Wat
Jennifer Mason
Jackie Hicks
Brittany Deaver
Dawna McKnight
Jean Simmons Homfeld
Christina Domingue
Kelsey Mcknight
3/16/17
Jessica Miller
Stephanie Beckwith
Jonnalyn Gates
Priscilla Shimp
Valerie Kuehn
Sheila Carvell
Jennifer Ramlet
Mary Achio
Jennifer Mason
Roberta Thomas
Michelle Hughes
Jean Simmons Homfeld
Phylicia Phillips
Megan Rhyne
Cassandra Berholtz
Allyson Becker
Nitasha Shank
Nai Merri
Kimberly Foster
Dean Bruss
Katrina Worford
3/17/17
Sandy Nevels
Jennifer Ramlet
Dmarie Nylin-Terrell
Desiree Ann
Mary Achio
Christine Acoba
Kristina Rosson
Cassandra Berholtz
Kristina Harris
Andrea Timms
Pamela Gonzalez
Jade Good
Amy Conyers
Michelle Hughes
Ashley Stamey Phillips
Carole Moore
Nitasha Shank
Amanda Peters
Nelle Bailey
Dana Dilaura
Sheila Carvell
3/18/17
Lauren Bradley
Amy Conyers
Cassandra Berholtz
Valerie Kuehn
Beth Cleveland
Beata Tybor
Kathi Taylor
Brenda Casey
Allison Frederick
Jennifer Mason
Phyllis Hines
Jennifer Downing
Kendra George
Carol Yemola
Justin Wilcox
Misty Shallcross
Amy Marie Wilkinson
Samantha Brwn Ramos
Jade Good
Stephanie Caldwell
Debbie Burke Garretson
3/19/17
Samanth Cheff
Sherri Kidwell
Dana Rodriguez
Brandi Chaney
Keith L Flanders
Christine McKinnon
Sammi Palacios
Priscilla Shimp
Roberta Thomas
Kelli Mcmillan
Christine Acoba
Melissa Turner Baker
Bobbie J Rittenhouse
Kimberly Snyder
Barbie Sundy
Kristina Harris
Kendra George
Nai Merri
Jennifer Downing
Adaria Johnson
Mya Murphy
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Health insurance document
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
Read more
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, March 12th, 2017 was:
JODI STEVENS
Wellsboro, PA
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
3/6/17
Jenny Meyers
Valerie Kuehn
Mary Achio
Carla S-Paige Williams
Priscilla Shimp
Ashley Stamey Phillips
Paula M Bondy
Penny Fisher
Kathleen Hickman
Crystal Hazelwood
Nai Merri
Beata Tybor
Angela Nicole
Megan Akins
Sheila Carvell
Christine Acoba
Leigh Nichols
Kristina Rosson
Phyllis Hines
Sean Stover
3/7/17
Jennifer Mason
Dawna McKnight
Lisa Breece
Kim Floyd
Sandra Sue Blanton
Judy Custer
Nitasha Shank
Misty Shallcross
Althea Thomas
Jennifer Downing
John McKnight
Kevin James Anderson
Christine Acoba
Lotorya Patrick
Carole Jacobs
Kelsey Mcknight
Wizdom Norwood-Goins
Karen Jaras
Stacy Mydlarz
Darlene Whyte
3/8/17
Suzie Mize Lockhart
Andrea Timms
Anna Nichols
Shannon Douglas Deadmon
Karen Bondehagen
Jennifer Downing
Cheryl Hall
Timothy Simpson
Christina Domingue
Missy Nicole Adams
Kristina Harris
Misty Shallcross
Christy Hawkes
Brandy Marie Williams
Beth Cleveland
Sheila Carvell
Tiffany Greene Elliott
Phyllis Hines
Carol ONeil
Kizzy Alvarez DeSantis
Michelle Hughes
3/9/17
Jennifer Ramlet
Valerie Kuehn
Cheryl Hall
Barbie Sundy
Beth Cleveland
Priscilla Shimp
Sheila Carvwell
Amy Chavis
Tessa Davis
Kimberly Snyder
Luis Vazquez
Kendra George
Megan Landor
Mary Pettiford
Kristina Rosson
Nai Merri
Patricia Oehlert Vazquez
Wayne Gallas
Kelli Mcmillan
Kathleen Hickman
Stephanie Beckwith
3/10/17
Kimberly Taylor Hall
Christine Acoba
Justin Wilcox
Christina Domingue
Tina Marie
Vickie Gipson
Tiffany Greene Elliott
Samantha Brwn Ramos
Amy Chavis
Abby Cox
Eva Biggs
Jean Simmons Homfeld
Jennifer Mason
Christy Hawkes
Jessica Miller
Kim Floyd
Megan Rhyne
Alexis Churley
Anna Ashley Pinder
Nai Merri
Michelle Rayeske-Jeske
Jennifer Zafarino-Griffiths
3/11/17
Kayla Clemons
Kimberly Taylor Hall
Jean Simmons Homfeld
Tonya Velazquez
Desiree Ann
Jodi Stevens
Kayla Hernandez
Ashley Stamey Phillips
Kimberly Snyder
Kendra George
Jennifer Lang
Myranda Medlin
Jennifer Ramlet
Jennifer Mason
Amy Marie Wilkinson
Priscilla Shimp
Rebecca Honey Graham
Sheila Carvell
Stephanie Williams
Chris Maxwell
Heather Marie Stacy
Kristina Harris
3/12/17
Jennifer Ramlet
Phyllis Hines
Mary Achio
Jennifer Sparks
Misty Shallcross
Kimberly Taylor Hall
Nelle Bailey
Christina Domingue
Susanne Killion
Tiffany Greene Elliott
Holly Cajigas
Emily Rice Bowersock
Brittany Marie Thompson
Valerie Kuehn
Angela Hendricks
Amy Marie Wilkinson
Dawn Raasch
Jessica Miller
Ashley Stamey Phillips
Rebecca Honey Graham
Tabitha Sinks
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn 
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs 
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
LegalShield
Read more
Congressional leaders in the U.S. House of Representatives on Monday released their long-awaited plan for the dismantling of the ‘Affordable’ Care Act (ACA), commonly referred to as Obamacare.
The 123-page bill, called the American Health Care Act, would replace the ACA’s income-based premium tax credits with fixed, age-based tax credits that generally would be smaller. It would end enhanced federal funding for states to expand Medicaid to low-income adults. And it would convert Medicaid from an open-ended entitlement to a program of capped, per-capita payments to the states.
The plan would also repeal Obamacare’s statute assessing the unpopular fines on people who don’t have health insurance, and do not qualify for an exemption. It also allows insurers to increase premiums on those who have gone without insurance for a period of time.
WHAT THE BILL DOES NOT CHANGE:
The bill keeps in place two of the most popular Obamacare provisions: those with pre-existing conditions cannot be denied coverage, and young people can stay on their parent’s health insurance plans until they reach the age of 26.
WHAT WE DO NOT KNOW YET ABOUT THE LEGISLATION:
The cost and number of people who might choose to go without insurance is still unclear. The bill has not yet been scored by the Congressional Budget Office, a nonpartisan congressional research office that provides guidance on economics and the budget for Congress.
The CBO’s guidance will provide information about how many Americans could potentially lose their coverage or opt-out of insuring themselves and the full cost of the bill.
This piece of legislation maintains exemptions that employer-plan premiums currently enjoy, but congressional leaders predict that they will still be able to save money from tax refunds from the repealing of ACA spending and taxes.
President Trump has railed against the ‘Affordable’ Care Act, calling it a “horrible disaster” and a “lie” and made its replacement a top priority. In fact, some insurance carriers have publicly proclaimed that President Barack Obama’s signature heath reform legislation, had now fallen into a “death spiral”, with one-third of the country being served by only one insurer, and rate hikes that in some states were over 112% higher than their 2016 premiums.
Congressional leaders acknowledge that their plan may cover fewer people, saying that unlike ObamaCare, they are not forcing people to buy coverage through a mandate – it will be up to the individual consumer to decide if they wish to purchase the insurance, and which plan they choose instead of the government mandating plans. They say their system is less intrusive and provides people a tax credit without mandates or a range of tax increases.
To pass the bill through the reconciliation process and avoid a Senate Democratic filibuster, Republicans will have to convince the Senate parliamentarian that ALL the provisions of the bill are germane to the budget. And the bill can’t be deemed to increase the federal deficit 10 years or more from now. Some of the bill’s insurance market changes may have a tough time surviving those procedural tests. By using the budget reconciliation process, the U.S. Senate can pass the bill with a simple 51 vote majority – not the normal 60 votes which would require Democratic support.
Congress had completed the initial phase of a three-step process to kill Obamacare in January, by passing in a vote of 51 to 48, and followed up by a 227-198 vote in the House, a budget resolution to repeal and replace Obamacare.
The new budget reconciliation legislation (Step 2) introduced this week is now in committee, and will then go up for a vote in both houses of Congress, possibly later this month in March. If the Senate gets its 51 votes and the House gets its simple majority, the reconciliation will pass. Only then will the parts of Obamacare detailed within this week’s bill be repealed. The rest of it will have to be disassembled, possibly piecemeal, with bipartisan support in what would be Step 3 later this year.
* * * * * * * * * * * * * *
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4
Click-On for LinkedIn: LinkedIn
Like us on facebook: HealthInsurance4Everyone
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips! HealthInsurance4Everyone or Health & Life Solutions, LLC
Mark Shuster FaceBook Link
Follow our word press blogs and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft protection plans.
LegalShield
Read more
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, March 5th, 2017 was:
JENNIFER MASON
SugarLand, TX
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
2/27/17
Heather Jacques
Jennifer Zarafino-Griffiths
Christine Acoba
Priscilla Shimp
Lotorya Patrick
Lisa Wright
Bea Patrick
Morgan Alexandra
Angel Anderson
Susanne Killion
Penny Fisher
Mary Ann Cody
Brandi Chaney
Kizzy Alvarez DeSantis
Crystal Hazelwood
Jennifer Mason
Lisa Breece
Jennifer Kinner
Sheila Carvell
Melissa Turner Baker
Alisa Jones
2/28/17
Tina Marie
Crystal Young
Samantha Brwn Ramos
Ashley Stamey Phillips
Brandy Marie Williams
Tiffany Greene Elliott
Amy Marie Wilkinson
Desiree Ann
Trish Marks
Susanne Killion
Mary Ann Cody
Holly Cajigas
Rachel Michelle
Kayla Clemons
Tammy Alcorta
Kimberly Taylor Hall
Paula M Bondy
Jennifer Alice Duran
Stephanie Beckwith
Phylicia Phillips
Annette French
3/1/17
Cheryl Hall
Carol Scheive
Brittany Michelle
Leslie Wagner Hobson
Angela Nicole
Roberta Thomas
Kendra George
Alicia Dansby
Melissa Turner Baker
Brandi Kerr
Sandra Sue Blanton
Deborah Farris
Lori Capobianco
Anna Nichols
Phylicia Phillips
Megan Akins
Ralph Gonzales
Mike Adamski
Wendi Black
Annette French
Ashley Stamey Phillips
Tina Marie
Sandy Nevels
3/2/17
Mary Achio
Carole Jacobs
Crystal Young
Phyllis Hines
Roberta Thomas
Megan Rhyne
Steve Hardy
Dean Bruss
Jade Good
Jennifer Downing
Amy Conyers
Brooke Scott
Sherri Kidwell
Paula Rousseau
Jennifer Mason
Cassandra Berholtz
Kim Floyd
Lotorya Patrick
Abby Cox
Jennifer Saavedra
Kristi Cervantes
3/3/17
Angela Nicole
Jade Good
Lori Capobianco
Kimberly Snyder
Melissa Turner Baker
Michelle Hughes
Angela Hendricks
Megan Rhyne
Christy Hawkes
Christine Acoba
Kizzy Alvarez DeSantis
Sean Stover
Justin Wilcox
Jean Simmons Homfeld
Fitch Donna
Priscilla Shimp
Phyllis Hines
Jennifer Downing
Kathleen Hickman
Anna Nichols
Jamie Shapiro
3/4/17
Crystal Young
Christine Acoba
Kristina Harris
Beeg Reeb
Alisa Jones
Brian K Henson
Brandi Chaney
Priscilla Shimp
Dawn Raasch
Holly Cajigas
Joanie Waterman
Paula Rivers
Alexis Maureen
Wizdom Norwood-Goins
Althea Thomas
Susanne Killion
Jennifer Mason
Jakara Jackson
Paula M Bondy
Beth Cleveland
3/5/17
Christina Domingue
Derek Jennings
Juanita Williams-Jones
Cheryl Hall
Sheila Carvell
Jonnalyn Gates
Kimberly Snyder
Rebecca Fauteux
Jennifer Downing
Kristina Rosson
Jessica Miller
Anna Nichols
Kimberly Taylor Hall
Preeti Chand
Vickie Gipson
Kendra George
Megan Rhyne
Holly Cajigas
Phyllis Hines
Abby Cox
Dawn Raasch
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
LegalShield
Read more
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, February 26th, 2017 was:
ALLYSON BECKER
Eureka Springs, AR
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
2/20/17
Lori Capobianco
Kendra George
Brenda Casey
Kiki Roberson
Samantha Brwn Ramos
Nai Merri
John Mellor
Juanita Williams-Jones
Brooke Scott
Jamie Shapiro
Jennifer Downing
Kristina Harris
Andrea Timms
Tara Lennox
Amy Hopper
Tonya Velazquez
Trish Marks
Angela Nicole
Michelle Hughes
Christy Hawkes
Tabitha Sinks
2/21/17
Kristina Harris
Megan Akins
Jennifer Kinner
Juanita Williams-Jones
Cora Persephone
Patricia Oehlert-Vazquez
Tessa Davis
Sheila Carvell
Melissa Turner Baker
Brandi Chaney
Dean Bruss
Kristina Rosson
Crystal Hazelwood
Kizzy Alvarez DeSantis
Alexandria Fields
Priscilla Shimp
Holly Cajigas
Katrina Worford
Phyllis Hines
Christina Domingue
2/22/17
Sandra Sue Blanton
Jennifer Downing
Crystal Young
Melissa Barnes Walker
Kevin James Anderson
Tiffany Greene Elliott
Donna Manchester
Jamie Shapiro
Brandi Kerr
Crystal Bell
Brittany Michelle 13
Kimberly Foster
Nai Merri
Tammy Alcorta
Nelle Bailey
Christina Domingue
Angela Hendricks
Karyn Koehler
Tonya Velazquez
Mary Perez Ramz
Glenna Zanaglio
Brandy Marie Williams
Cathy Osborne
Hollie Jahnke
2/23/17
Samantha Smith
Sandy Nevels
Jennifer Saavedra
Jennifer Downing
Misty Shallcross
Kristina Harris
Derek Jennings
Phyllis Hines
Dean Bruss
Marcy Coull
Karen Bondehagen
Sarah Bellestri Shih
Melissa Barnes Walker
Lotorya Patrick
Kimberly Taylor Hall
Lori Capobianco
Candy Dyer
Kevin James Anderson
Jakara Jackson
Jessica Jenry
Bea Patrick
2/24/17
Angela Nicole
Tessa Davis
Phyllis Hines
Samantha Mer
Christine McKinnon
Kizzy Alvarez DeSantis
Jackie Poole
Rebecca Fauteux
Juanita Williams-Jones
Dawn Raasch
Crystal Hazelwood
Amy Conyers
Allyson Becker
Brandi Chaney
Megan Akins
Alexis Maureen
Lori Marie Timms
Amber McGrath
Jackie Hicks
Heather Jacques
2/25/17
Kendra George
Sherri Kidwell
Christy Hawkes
Christina Domingue
Carole Jacobs
Mary Perez Ramz
Jessica Jenry
Beata Tybor
Amy Marie Wilkinson
Jessica Miller
Deborah Farris
Nai Merri
Melissa Barnes Walker
Misty Shallcross
Michelle Webb
Marie Beauregard
Nelle Bailey
Lotorya Patrick
Bea Patrick
Rebecca Honey Graham
Erin Leigh Will
Chrissy Kim
Stephanie Beckwith
Lisa Wright
2/26/17
Lisa Puckett
Sheila Carvell
Carole Jacobs
Amy Conyers
Holly Cajigas
Brandy Marie Williams
Tessa Davis
Kizzy Alvarez DeSantis
Dean Bruss
Nai Merri
Kristina Rosson
Hollie Jahnke
Nelle Bailey
Jennifer Mason
Phyllis Hines
Kendra Lynne Ramsey
Deborah Farris
Jennifer Downing
Kimberly Taylor Hall
Cheryl Hall
Nancy Scharnhorst
Jennifer Ramlet
Kimberly Foster
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
LegalShield
Read more
In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!
Congratulations – To this past week’s Trivia Contest Winner!! Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, February 19th, 2017 was:
STEPHANIE BECKWITH
Jefferson, OH
Winner Of A $25.00 AmEx Gift Card
Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION. The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card
Weekly Gift Card winners will be posted in our blog at this site. Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers.
Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:
2/13/17
Phyllis Hines
Dean Bruss
Angela Nicole
Amy Hopper
Jennifer Ramlet
Deborah Farris
Derek Jennings
Karen Bondehagen
Sharon Swenson-Nelson
Alisa Jones
Leslie Wagner Hobson
2/14/17
Tiffany Greene Elliott
Kimberly Snyder
Nitasha Shank
Christina Radcliff
Beth Cleveland
Paula Rivers
Nai Merri
Stephanie Beckwith
Jade Good
Mikayla Oakes
Cheryl Hall
Alicia Dansby
Kayla Clemons
Jennifer Ramlet
Kendra George
Mary Alice Ford
Jennifer Ramlet
Emily Rice Bowersock
Anna Nichols
Adaria Johnson
Anna Ashley Pinder
Leslie Wagner Hobson
Amy Stonger
2/15/17
Kathi Taylor
Kizzy Alvarez DeSantis
Christine Acoba
Tabitha Sinks
Lori Capobianco
Misty Shallcross
Joanie Waterman
Kathi Taylor
Alicia Dansby
Michelle Rayeske-Jeske
Judy Custer
Jennifer Sparks
Sandra Sue Blanton
Alisa Jones
Kim Floyd
Michelle Hughes
Adaria Johnson
Sheila Carvell
Amy Hopper
Kayla Clemons
2/16/17
Nai Merri
Holly Cajigas
Christina Domingue
Rhonda Nicholson
Phyllis Hines
Brooke Scott
Amy Hopper
Tina Casto-Shafer
LaKishia Wagers
Dale Fish
Kendra George
Kimberly Foster
Jessica Miller
Tiffany Greene Elliott
Lotorya Patrick
Melissa Barnes Walker
Kristina Rosson
Lisa Wright
Lori Capobianco
Bea Patrick
Trish Marks
2/17/17
Sherri Kidwell
Katrina Worford
Brian K Henson
Tara Lennox
Priscilla Shimp
Megan Akins
Sheila Carvell
Alexandra Vindiola
Kayla Hernandez
Alicia Dansby
Brandi Chaney
Tessa Davis
Althea Thomas
Mikayla Oakes
Carla S-Paige Williams
Kizzy Alvarez DeSantis
Dawn Raasch
Susanne Killion
Kassi Krick-King
Melissa Turner Baker
2/18/17
Nikki Hunsaker
Christina Domingue
Geri Rus
Kristen Raia Bowman
Joanie Waterman
Anna Nichols
Brandy Marie Williams
Phyllis Hines
Christina Radcliff
Dean Bruss
Tiffany Greene Elliott
Ashley Nichole Busse
Crystal Young
Kizzy Alvarez DeSantis
Kristina Harris
Cheryl Hall
Lori Capobianco
Heather Marie Stacy
Kristina Harris
Chelcie Malow
2/19/17
Heather Jacques
Lisa David Carr
Kizzy Alvarez DeSantis
Kimberly Snyder
Kathleen Hickman
Jakara Jackson
Allison Frederick
Patricia Oehlert Vazquez
Juanita Williams-Jones
Jeanine Jones
Paula Rivers
Priscilla Shimp
Cheryl Hall
Kimberly Taylor Hall
Susanne Killion
Katrina Worford
Lisa Back
Jodi Stevens
Wayne Gallas
Jackie Hicks
Jane Peterson
Jennifer Downing
Crystal Hazelwood
Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!
Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better. You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!
—————————————————————-
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4 (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)
Click-On for LinkedIn To Follow Our Posts: LinkedIn
Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!
Mark Shuster FaceBook Link
Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.
LegalShield
Read more
The Costliest Tax Scams & Mistakes Of 2017
Earlier this month the IRS released its “Dirty Dozen” tax scams for 2017. The Canada Revenue Agency also offers resources for detecting tax scams and fraud. Click here to access the Canada Revenue Agency website. Common scams include return preparer fraud, tax collection scams and phishing scams. In addition, many filers wait until the last minute, which can lead to costly mistakes and missed deductions.
Whether you hire a professional tax service, use software, file online or via mail, it is important to make sure you understand the most common scams and mistakes.
- Identity Theft Scams. For the sixth year in a row identity theft makes the list of top scams. IDShield offers Tax ID Theft Consultation services ready that arm you with the knowledge and guidance you need to spot identity theft risks or issues. If issues occur, IDShield will help place alerts, walk you through the Tax Resolution guide, IRS Resolution packet and much more. If you do not yet have a LegalShield IDShield membership, visit LegalShield to learn how IDShield is there for you during tax season.
- Beware of dishonest or inept tax professionals. There are many wonderful tax professionals who can help you file accurate and timely returns. Tax preparation services can be invaluable to businesses and individuals with complex personal finances. If you decide to utilize a professional tax preparer find someone you can trust and always make sure they sign your return. Taking a little extra time to consider your preparer before you hire them could save you a great deal trouble. The IRS has a webpage to help you select a preparer and check his or her credentials.
- Do not fall for fake tax collection scams. Tax collection scams often start with a threatening phone call or email. They may claim you owe thousands of dollars in back taxes and that IRS agents are on the way to your home to take you into custody. They will demand immediate payment via wire transfer or credit card. Do not engage with these scammers, hang up the phone or delete the email. The IRS will not call your home or email you. The IRS initiates contact with taxpayers via postal mail. You may report tax collection scams to the U.S. Treasury Department.
- Failing to file and make payment on time. In the U.S. taxes are due on April 18th 2017. In Canada returns are due by April 30th. The IRS does allow a six-month filing extension until October 17th. You must file Form 4868 before the April 18th deadline to request an extension. If you owe money, you will be subject to late fees if the full amount is not paid by April 18th. The Canadian Revenue Agency does not allow for late filing; however, if you cannot make your full payment you can avoid late-filing penalties if you file your return before the April 30th deadline.
- Last minute filing mistakes. Many individuals put off filing their taxes until the last minute. The cost of some tax preparation services may increase as filing deadlines approach. Disorganized late filers may pay late fees, miss out on key deductions or make mistakes. Online tax preparation and filing is a great way to complete your return quickly and with time to spare. You may even be eligible for free online filing if you meet certain income requirements (learn more U.S. and Canada).
- Do not claim a deduction you cannot back up with proper documentation. Underpaying your taxes could subject you to costly fines and penalties. You must be able to show proof of your deductions in the event of an audit. Save copies of your return as well as all of the receipts and other documents you use to prepare your taxes. Keep the documents in a safe and accessible location.
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft protection plans.
LegalShield
Read more
February 14, 2017
Lowes recently settled a $2.85 million-dollar worker classification lawsuit. The suit claimed that Lowes misclassified installers as independent contractors depriving them of workers’ compensation, liability insurance and requiring the workers to pay taxes as self-employed. The suit and settlement underscore the importance of properly classifying workers. Making the wrong determination may have serious financial and legal consequences. The following guide will help you understand the primary distinctions between an employee and a contractor. If you are an employer or contractor with a LegalShield membership, and need additional information call your LegalShield provider law firm. 
If you are not currently a member of our LegalShield benefits plans, you can seek more information on membership and plans offered in your state at: LegalShield
- Worker Classifications – There are four worker classifications made by the IRS.
- Independent Contractor – Under common law, an independent contractor controls the kind of work they take on and how they complete the work. In this circumstance the business hiring them to complete the work would only control the result or product. While you may set deadlines for an independent contractor you may not set specific work hours.
- Employee – Under common law if you control what, when, where and how work is done, the individual you pay is considered an employee.
- Statutory Employee – Some workers who meet the common-law requirements as an independent contractor may still be considered an employee due to specific statutes designating them as such. Statutory employees include:
- Individuals who work from home under specific instruction with materials you provide, which are returned to you or to someone you name;
- Food and beverage delivery drivers (milk excluded);
- Commissioned laundry and dry cleaning drivers;
- Insurance agents working primarily for one life insurance company selling life insurance or annuity contracts; and
- Full-time traveling salespersons submitting orders directly to you from businesses or wholesale establishments.
- Statutory Nonemployee – Statutes deem some workers, who would otherwise be considered employees, nonemployees. These include:
- Direct sellers and real estate workers who are not paid on an hourly basis; and
- Companion sitters (private duty nurses and home health aids) not employed by a placement service.
- Still unsure how to classify a worker? – In some instances it may be difficult to determine the status of a worker. The IRS does have a form, which you can complete and submit, allowing them to determine the worker’s status. Form SS-8 can be downloaded here and includes detailed instructions. Before filing the form consult with your LegalShield provider law firm. It may take the IRS six months or more to respond to your request.
- State Regulations – Some states may classify workers differently than the IRS. In the Lowes case claims involved both federal rules and the New Jersey Construction Industry Independent Contractor Act. It is vital to understand how state regulations impact classification of employees in your industry.
- Taxes & Reporting – The main purpose for classifying a worker is to determine the taxes and record keeping for which your business will be responsible.
- Independent Contractors – The forms and information needed for independent contractors can be found here via the IRS. The IRS does offer electronic filing.
- Employees – The appropriate forms and tax information for employees can also be located on the IRS website.
- Penalties –If you fail to accurately report an employee you may be held liable for past due employment taxes. There are relief provisions in some circumstances. If you believe you have misclassified a worker or have any questions, current members can call their LegalShield provider law firm.
If you are not currently a member of our LegalShield benefits plans, you can seek more information on membership and plans offered in your state at: LegalShield
* * * * * * * * * * * * * *
At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….
Twitter: Healthinsurane4
Click-On for LinkedIn: LinkedIn
Like us on facebook: HealthInsurance4Everyone
Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips! HealthInsurance4Everyone or Health & Life Solutions, LLC
Mark Shuster FaceBook Link
Follow our word press blogs and read about everything from health insurance and reform news to healthy living and current events!
Company Blogs
Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans. LegalShield
Read more
