LEG-REG REVIEW
by Phillips Associates

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LEG REG REVIEW
2004, Second Issue
 
LEG REG REVIEW is a periodic newsletter produced by PHILLIPS ASSOCIATES, a professional lobbying and consultant firm based near the State Capitol.  It contains news on the Legislative and Regulatory scene in Pennsylvania that may be of use to insurance producers, companies, and interested parties.  It is a Member Service if you are a member of the Pennsylvania Association of Health underwriters (PAHU) or the PA Surplus Lines association (PSLA).  Subscription information may be obtained by contacting PHILLIPS ASSOCIATES at 717/728-1217, Fax 717/728-1164 or E-mail to xenobun@aol.com.
 
THEY RETURN
 
Legislators return to Harrisburg this week with the Senate reconvening Tuesday and the House the following week.  High on the House Republican agenda will be a caucus vote to fill the post of Policy Committee Chairman after Rep. Roy Cornell’s death.  This, in turn, may open up a committee chairmanship.  One item for the Senate is the nomination hearing of Jerry Peppert for the position of Attorney General convened by the Senate Judiciary Committee.  If confirmed, Peppert would fill that position as a caretaker since he is not running for that position.  Peppert has served as Acting Attorney General since December 15, 2003, when Mike Fisher was sworn in as a Federal judge.  He had also served as First Deputy Attorney General since 1997.  Peppert is a Villanova and University of Notre Dame Law School graduate.
 
UPCOMING HEARINGS
 
·         The Senate Judiciary Committee plans to hold a hearing on bills designed to cap jury awards for non-economic damages.  Discussed will be SB 1000 sponsored by Sen. Stewart Greenleaf (R-Montgomery) giving the General assembly the constitutional authority to cap medical malpractice awards.  The other bill, SB 50 sponsored by Sen. Jake Corman (R-Centre), is also a constitutional amendment to do the same except that all pain and suffering jury awards could be capped, not just Medical Malpractice awards.  A third bill, HB 1326 (Turzai -R-Allegheny) will also be discussed.  Similar to SB 50, it passed the House last June.
 
·         The House Health and Human Services Committee expects to address the topic of mental health advance directives (similar to living wills) for those who want to plan for their mental health care if and when they may not be able to make those decisions.  The hearing is set for January 29 in Harrisburg.
 
·         Other committee hearings of possible interest include one on counties using recording fees to fund county economic development projects (HB 722 sponsored by Rep. Matt Wright-R-Bucks) before the House Commerce Committee and two days of hearings on the Earned Income Tax by the House Finance Committee.
 
L&I ISSUES FINAL UCC RULES
 
The January 10th PA Bulletin (www.pabulletin.com) contains the full text of the massive Universal Construction Code (UCC) as Title 34. Part XIV, Chapters 401 (Certification of Code Officers), 403 (Administration and description of UCC requirements), and 505 Elevators and lifting devices).  The lengthy document also publishes comments received from affected interests and the Independent Regulatory Review Commission and the Labor & Industry’s response.
 
CHANGE UPDATE FOR PA GENERAL ASSEMBLY
 
·         There were two House legislator retirements announced last week.   Conservative two-term Rep. Jeff Coleman (R-Armstrong) and veteran Rep. Susan Laughlin (D-Beaver) decided not to run again.  Coleman’s district is a swing district that could easily revert back to the Democrats while Laughlin’s Democratic district has trended Republican in national races.
·         March 9 is the date chosen for the special election in Montgomery and Philadelphia Counties to fill the vacancy left by the death of Republican Roy Cornell.  Designated as the standard bearers by the two local party organizations are Democrat Ross Schriftman, a licensed insurance producer and nationally known expert on Long-Term Care Insurance versus Republican Susan Cornell, daughter of the late Representative and Hatboro councilperson.  The race will pit the GOP-leaning southern part of the district against Democratic Philadelphia with a competitive northern part of the district being a pivotal battleground.
·         High stakes is the media spin on the late March special election in Columbia County late in March to succeed Senator John Gordner.  According to media, each side is pouring several hundred thousand dollars into this Republican trending district. 
 
BLUES CALLED UPON TO JUSTIFY SURPLUS LEVELS
 
The Blues (Highmark, Capital, Northeast and Independence) have been given until April 15 to supply documentation to the Insurance Department justifying the size of their surpluses relative to state required surplus levels under the Risk-Based Capital (RBC) system.  According to Notice 2004-1, the Department noted that the Blue Cross Blue Shield national association held that 350% RBC was low enough to trigger an early warning of possible overexposure and that 628% is the U.S. norm.
 
In PA, Department follow up to a September 4, 2002 hearing ascertained that the Pennsylvania Blues have reserves of $2.4 billion and surplus of $3.5 billion.  The Notice says that surplus “in excess of 650% are likely excessive”.  Notice 2004-1 directs each company to determine its RBC percentage and, if it exceeds 650%, to justify the level and to distribute the surplus over that amount to Plan participants and to the underinsured and uninsured.  This action comes shortly after the Department denied Blues’ rate increases for individual and Medicare supplement health insurance because of insufficient data on the surpluses.
 
INDUSTRY NEWS
 
·         OneBeacon is purchasing Atlantic Mutual’s commercial insurance business.
·         S&P announced that Hartford Financial services settlement of a $1.15 billion asbestos claim would not affect its ratings.
·         Marsh & McLennan Companies Inc. was sued by Schatz & Nobel PC, in U.S. District Court for allegedly not notifying securities customers that Putnam Investments LLC was allowing selected customers to engage in market timing.  This class action lawsuit affects MMC security purchasers of Putnam from January 3, 2000, through November 3, 2003.
·         NOTE to surplus lines licensees: State taxes must be paid by January 31, 2004 and a complete copy of the SL tax form must be sent to PSLA, 211 Welsh Pool Road, #200, Exton, PA 19341, 610/594-1340.
 
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