
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, May 21st, 2017 was:
TONYA VELAZQUEZ
Shillington, 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:

5/15/17
Rondi Clark-Conn
Anna Nichols
Jennifer Leffler
Nitasha Shank
Lisa Jimenez
Cheryl Hall
Nai Merri
Melissa D’Ornellas Curtis
Patricia Oehlert Vazquez
Dawn Raasch
Leslie Wagner Hobson
Tera Wardrip
Stephanie Caldwell
Michelle Hughes
Tiffany Greene Elliott
Kimberly Snyder
Brittany Marie Thompson
Carole Jacobs
Karen Bondehagen
Rebecca Fauteux
5/16/17
Deborah Farris
Christy Hawkes
Anggie Marie
Beth Cleveland
Jodi Brown
Jennifer Lang
Amy Marie Wilkinson
Karen Jaras
Juanita Williams-Jones
Melissa Turner Baker
Kendra George
Jennifer Ramlet
Tonya Velazquez
Sandy Nevels
Jennifer Fremont
Eleazar Ruiz
Amber McGrath
Debbie Burke Garretson
Linda Chojnacki
Trish Marks
5/17/17
Lotorya Patrick
Tonya Velazquez
Jenifer Garza
Dean Bruss
Shelby Lynn
Beata Tybor
Bea Patrick
Cassandra Berholtz
Alisa Jones
Paula Rousseau
Debbie Smith
Diane Hamric
Kalyani Nam
Preeti Chand
Wayne Gallas
Beeg Reeb
Teena Sierson
Kristina Harris
Jennifer Ramlet
Mary Achio
Allison Frederick
Meg Marshall
5/18/17
Nai Merri
Juanita Williams-Jones
Brandi K Chaney
Wayne Gallas
Sheila Carvell
Alisa Jones
Melissa Barnes Walker
Dave Miller
Samantha Smith
Lisa David Carr
Alexandria Fields
Teena Sierson
Kizzy Alvarez DeSantis
Valerie Kuehn
Sherri Kidwell
Anna Nichols
Jacqlyn Gummert
Belinda Haas
Kelly Prestenbach
Phyllis Hines
5/19/17
Crystal Young
Deborah Farris
Holly Cajigas
Teena Sierson
Jade Good
Jacqlyn Gummert
Emily Rice Bowersock
Tera Wardrip
Eleazar Ruiz
Nitasha Shank
Preeti Chand
Jennifer Ramlet
Jean Simmons Homfeld
Abby Cox
Rondi Clark-Conn
Brittany Deaver
Trish Marks
Kristen Raia Bowman
Alexandria Fields
Dale Fish
Sherri Kidwell
5/20/17
Sarah Bellestri Shih
Nai Merri
Roberta Thomas
Jakara Jackson
Karen Goodwin Delaney
Eleazar Ruiz
Lotorya Patrick
Jacqlyn Gummert
Krissy Brislin
Heather Jacques
Melissa Turner Baker
Bobbie J Rittenhouse
Cheyenne Shaw
Kathi Taylor
Michelle R. Carlino
D Shanel Collins
Karen Rimiller Presley
Jennifer Mapes
Wayne Gallas
Karen Bondehagen
Poonam Gosain
5/21/17
Deborah Farris
Jennifer Ramlet
Jennifer Downing
Steve Hardy
Christy Hawkes
Marie Beauregard
Sheila Carvell
Melissa D’Ornellas Curtis
Chrissy Kim
Kayla Clemons
Brandy Williams
Carol Yemola
Alexis Maureen
Nai Merri
Sarah Bellestri Shih
Trish Marks
Dean Bruss
Susanne Killion
Kimberly Snyder
Timothy Simpson
Amanda Peters
Jennifer Lang
Alysia Jackson
Emily Rice Bowersock

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
A major escalation of the tensions between the U.S. and North Korea has led to the US sending the Carl Vinson aircraft carrier and several warships toward the Korean Peninsula. The Carl Vinson and three guided-missile destroyers and cruisers to the peninsula were sent only days after North Korea launched its latest ballistic missile test. This missile reportedly flew only 37 miles.
North Korea has condemned the U.S. for bringing the aircraft carrier group and other nuclear-armed assets into the region, and threatened an assault on South Korea, Japan and U.S. bases. A North Korean Foreign Ministry spokesperson stated that “We will hold the U.S. wholly accountable for the catastrophic consequences to be entailed by its outrageous actions. North Korea is ready to react to any mode of war desired by the U.S.”
U.S. intelligence officials believe North Korea is preparing its sixth nuclear weapons test, possibly as early as Saturday, April 15 which coincides with the 105th anniversary of the birth of the country’s founder, Kim Il-sung.
North Korean senior officials have accused the Trump administration of wanting to “annihilate” their country and blamed the escalating tension on the Korean Peninsula squarely on the U.S. and South Korea. Han Song Ryol, North Korea’s Vice Minister of Foreign Affairs stated in an interview that if North Korea felt they were going to be attacked they would use nuclear weapons.
Experts say the sixth nuclear test could come at any time and is part of the Kim Jong Un regime’s quest to build a nuclear-tipped missile capable of reaching the U.S. mainland. Most analysts believe North Korea is still at least several years away from that capacity, but Pyongyang already has weapons that pose a serious threat to U.S. allies South Korea and Japan, and U.S. troops based in those countries.
North Korea’s nuclear weapons development program has been a primary focus and a tense topic for years. Just last month North Korea successfully launched four ballistic missiles into the waters off northwest Japan. State media in Pyongyang said it was just a dry run of a nuclear attack against US military bases in Japan and experts say this exercise was defensive, not offensive.
A North Korea official stated Pyongyang intends to “relentlessly strengthen” the country’s nuclear weapons. Experts say North Korea’s goal in advancing their nuclear program and developing nuclear-tipped missiles that can reach the US is a deterrent for a US invasion.
Experts have debated whether North Korea possesses a nuclear warhead it can mount to a short or medium-range missile. North Korea claims that it has miniaturized a nuclear warhead and is capable of mounting it to a short, medium, or long-range missile – has never been independently verified. Kim said in his New Year’s address that the country had reached “the final stages” of that weapon’s development.
While analysts say it is unlikely that North Korea possesses an intercontinental ballistic missile capable of reaching West Coast cities such as Los Angeles, San Francisco, or Seattle, they are well on their way to developing such a weapon.
Read more
U.S. District Court Judge David Hale in Louisville, Kentucky, has ruled that a lawsuit accusing Donald Trump of inciting violence against protesters at a presidential campaign rally last year can move forward, denying a free speech argument against the suit.
The ruling opens the way for the lawsuit brought by three protesters to proceed through the legal system. The suit is against Trump, his campaign and three of his supporters. Trump’s lawyers had argued a free speech defense against the lawsuit, arguing that Trump did not intend for his supporters to use force.
Kentucky federal Judge David Hale said he found ample facts supporting the allegations that the protesters’ injuries were a ”direct and proximate result” of Trump’s actions. He wrote that “it is plausible that Trump’s direction to ‘get ‘em out of here’ advocated the use of force. … It was an order, an instruction, a command.” The protesters- two women and a teenage boy, were at the Kentucky International Convention Center.
Plaintiffs Henry Brousseau, Kashiya Nwanguma and Molly Shah say they were assaulted by Trump supporters at the March 2016 rally in Louisville as Trump repeatedly said “Get ‘em out.” The trio are suing Trump and his campaign for incitement to riot, negligence, as well as gross negligence and recklessness. They are seeking unspecified damages.
The attackers named in the lawsuit include Matthew Heimbach, a member of a white supremacist group, and Alvin Bamberger, a member of the Korean War Veterans Association in Ohio. A third defendant has not been identified. In a video of the incident that went viral shortly after it happened, Heimbach and Bamberger are seen pushing Nwanguma down an aisle as Trump repeatedly says “Get ‘em out, Get ‘em out of here!”
Hale said the removal of Nwanguma, an African American woman, was “particularly reckless.” The judge did not remove allegations that Nwanguma was the victim of racial, ethnic and sexist slurs from the rally crowd. He wrote, “While the words themselves are repulsive, they are relevant to show the atmosphere in which the alleged events occurred.”
The judge dismissed part of the suit claiming that Trump and his campaign were “vicariously liable” for assault and battery. Hale said that the men accused of attacking the protesters were not employed by the Trump campaign, nor were they under Trump’s direct control.
Alvin Bamberger, said in a letter cited by the judge: “Trump kept saying, ‘get them out, get them out,’ and people in the crowd began pushing and shoving the protesters. I physically pushed a young woman.”
Read more
Former South Korean President Park Geun-hye was arrested on charges related to the bribery scandal that led to her impeachment. Park faces 13 charges in total, including bribery, abuse of power and the leaking of state secrets. She has not been formally indicted yet but prosecutors can detain her for up to 20 days before formally charging her.
Park was removed from office March 10th, stripping her of presidential immunity after South Korea’s Constitutional Court upheld a decision to impeach her for alleged corruption.
The scandal has dominated the headlines in South Korea since late last year and sparked mass protests, many calling for her impeachment. The controversy centered around Park’s friend and close adviser, Choi Soon-sil, who is alleged to have had significant and inappropriate influence over the former president. Choi is on trial for abuse of power and fraud.
Among other accusations, Park is accused of helping extort some $38 million from Samsung and a total of $70 million from South Korean companies for the private slush fund of her friend and confidant Choi Soon-sil. Park is also accused to leaking state secrets to Choi. Lee Jae-yong, the former head of Samsung is also being held in connection to the same corruption scandal. Lee is accused of approving the millions in bribes to Choi.
The former president continued to deny all wrongdoing during a 14-hour interrogation last week, leading prosecutors to ask for a warrant for her arrest. They said they were concerned Park would destroy evidence if she remained at large. The 65-year-old former president was taken to a detention center outside Seoul, the same detention center where Choi Soon-Sil and Lee Jae-yong, the de facto head of Samsung are both being held. If convicted, Park could face up to 10 years in prison.
Park becomes the third former president in South Korean history to face the possibility of a prison sentence. Two other former leaders, Chun Doo-hwan and Roh Tae-woo, were charged with improperly collecting millions from businesses while in office. Both were later pardoned after short jail stints.
Seoul Central District Prosecutor’s Office released a statement regarding the arrest. “The suspect abused the mighty power and position as President to take bribes from companies and infringed upon the freedom of corporate management and leaked important confidential official information.”
Park Geun-hye was the nation’s first female president and the daughter of the former president Park Chung-hee. Park’s mother was killed in 1974 in an assassination attempt that targeted her husband. Park was regarded as First Lady after her mother’s death. Park’s father, Chung-hee, was gunned down by his own intelligence chief in 1979. After her father’s killing, Park Geun-hye left the presidential Blue House and secluded herself from the public eye. She entered politics in the late 1990s — when public nostalgia for her father emerged after the country’s economy was hit hard by the Asian financial crisis.
Read more
The U.S.-backed Iraqi military’s ground campaign against ISIS to retake west Mosul was mistakenly reported as being halted after details emerged about U.S.-led coalition airstrikes on March 17th killed over 200 people in a single day. The U.S.-led coalition has admitted launching the airstrikes that targeted a crowded section of the Mosul al-Jadida neighborhood. The March 17 strikes appear to be among the deadliest U.S. airstrikes in the region since the U.S. invasion of Iraq in 2003.
Amnesty International has accused Iraqi officials of advising residents not to flee amid the airstrikes and ground offensive. Amnesty claims officials dropped leaflets and broadcast over the radio that residents should stay in their houses. Amnesty said, “The fact that Iraqi authorities repeatedly advised civilians to remain at home instead of fleeing the area, indicates that coalition forces should have known that these strikes were likely to result in a significant numbers of civilian casualties.
Disproportionate attacks and indiscriminate attacks violate international humanitarian law and can constitute war crimes.” Many have questioned whether the U.S. military has loosened the rules of engagement that seek to limit civilian casualties. The Pentagon maintains the rules have not changed.
Despite reports of the ground campaign being suspended, heavy fighting continues in west Mosul. The campaign for West Mosul has involved block-by-block fighting in an urban environment. ISIS has been using snipers and bombs against the US backed Iraqi military.
Though not confirmed, it’s been reported that Major Gen. Maan al-Saadi, a commander of the Iraqi special-forces, said that the civilian deaths were a result of a coalition airstrike that his men had called in, to take out snipers on the roofs of three houses in a neighborhood called Mosul Jidideh. General Saadi said the special forces were unaware that the houses’ basements were filled with civilians seeking refuge. Witnesses have said that in an area where apartment blocks were reduced to rubble, at least 50 bodies could be seen, including those of pregnant women and children.
The Pentagon announced that the incident was under investigation and a day later confirmed that the coalition had targeted Islamic State fighters and equipment in the area on March 17, “at the location corresponding to allegations of civilian casualties”. The military is investigating at least a dozen other reports of civilian casualties in Mosul.
Iraqi Vice-President Osama Nujaifi, a Mosul native, has called the strike a “humanitarian catastrophe” that killed hundreds. He blamed the US-led coalition and federal police for using excessive force and called for an emergency session of Parliament to address the incident.
Prior to this incident, the Pentagon had said that there have been 220 civilian deaths since the campaign against the Islamic State began in 2014, but independent monitoring groups say that there have been over 2700.
Read more
Three separate shootings have raised worries among Indians and other communities about possible violence against foreign workers in the United States. The senseless shooting of two technology workers from India and another man at a bar in Olathe, Kansas made national headlines. The victims, Srinivas Kuchibhotla and Alok Madasani, both engineers employed by Garmin were at Austins Bar & Grill in Olathe.
A witness says Adam Purinton, 51, became agitated by the presence of the two men and was asked to leave by regular patron Ian Grillot. Purinton left but returned a short time later and approached Kuchibhotla and Madasani. He opened fire, yelling “Get out of my country!” Kuchibhotla was killed and Madasani was wounded. Grillot, who was shot in the hand and chest, was praised as a hero for attempting to intervene and subdue the suspect during the shooting.
Purinton was arrested hours later at an Applebee’s restaurant in Clinton, Missouri, about 70 miles away from Olathe. Applebee’s employees called 911 and an Applebee’s bartender told police that a man had admitted to shooting two “Iranian” people in Olathe and was looking for a place to hide. Purinton faces one first degree murder charge and two charges of attempted first degree murder.
Another shooting occurred in Lancaster, South Carolina when 43 year old Harnish Patel was shot and killed in front of his home. Patel was killed after returning home from working at the Speedee Mart convenience store, which he owned. Patel had lived in the United States for 14 years. He was married and had one child in elementary school. He was originally from the Indian state of Gujarat. Police are still looking for the shooter.
Police are investigating a third shooting that occurred in Kent, Washington. The shooting of Deep Rai, a 39-year-old Sikh man, was shot while cleaning his car in his driveway. The victim’s family said a man approached and began calling him names, telling him, “Go home to your country!” The shooter then pushed him to the ground and shot him in the arm.
The victim lost consciousness and only realized he’d been shot when he regained consciousness in the hospital. He was released the next day and is expected to make a full recovery. Rai is a U.S. citizen originally from Punjab, India. Rai became the fourth Indian man to be shot within the last few weeks in the United States. All of the shootings are being investigated as possible hate crimes.
The Sikh Coalition said members of its community are at heightened risk of hate-crime attacks -partially because their faith requires the wearing of turbans and beards. In a statement, spokesman Rajdeep Singh said it’s important the Kent shooting be investigated as a hate crime. “While we appreciate the efforts of state and local officials to respond to attacks like this, we need our national leaders to make hate crime prevention a top priority,” he said. “Tone matters in our political discourse, because this is a matter of life or death for millions of Americans who are worried about losing loved ones to hate.”
“The Sikh community is shaken and very frustrated at the hate and rhetoric that is being spread today about anyone that looks different, who looks like an immigrant.”
Read more
The White House is seeking to dramatically reduce the power of the Environmental Protection Agency, slashing dozens of programs and laying off 20% of the agency’s staff. The proposed budget cut plans to cut the EPA’s budget by 25% to $6.1 billion, and cut its workforce by 20% to 12,400 employees, in the 2018 fiscal year that begins 1 October. The plans require the complete elimination of EPA programs on climate change, toxic waste cleanup, environmental justice and funding for Native Alaskan villages. It would slash funding to states for clean air and water programs by 30% percent as well.
According to sources that have seen preliminary directives from the White House’s Office of Management and Budget (OMB), the Trump administration wants to cut spending by EPA’s Office of Research and Development (ORD) by more than 40% from roughly $510 million to $290 million.
The cuts target scientific work in fields including climate change, air and water quality, and chemical safety. EPA’s $50 million external grant program for environmental scientists at universities would be eliminated altogether. Cuts in the new budget memo include climate, air, and energy research would fall from $91.7 million to $45.7 million. Research in chemical safety and sustainability would drop from $89.2 million to $61.8 million. Water-related science falls from $107.2 million to $70.1 million. The budget for sustainable healthy communities plunges from $139.7 million to $75.8 million. The OMB memo also states that the EPA would no longer contribute to the U.S. Global Change Research Program, a multiagency task force that coordinates federal research on global change.
The OMB office says the cuts are needed to help reduce the burden that EPA regulations place on industry and state and local governments. Environmental scientists, regulators, and current and former EPA officials warn the reductions would devastate the agency’s efforts to carry out its mission of protecting human health and the environment.
The Trump administration’s final 2018 budget request is scheduled to be released on March 16th. It is not clear whether the administration will keep the steep EPA cuts in its final request to Congress, or whether Congress will approve the cuts. Many federal lawmakers, as well as state and local officials, have already expressed strong opposition to some of the cuts.
The new EPA Administrator Scott Pruitt, a long EPA foe, has suggested that he will push back against parts of the preliminary White House plan. Some senior Republicans in Congress have also expressed doubts about the larger Trump administration budget plan driving the EPA cuts.
It calls for boosting discretionary defense spending in 2018 by $54 billion, and paying for that increase by cutting discretionary spending at civilian agencies such as EPA. The shift would likely require Congress to change a 2011 law, called the Budget Control Act, that imposes caps on domestic spending—but Democrats in the Senate have already said they would block any change unless it also includes spending increases for civilian programs.
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