Roe Capital Management 2010 Equity Market Outlook And 2009 Performance Review

The arrival of a new year affords us the opportunity to review the year which has passed and muse about the prospects of the year which has just begun. In doing so, we hope to draw some substantive conclusions about where we have been, how and why we were there and what that teaches us about where we are headed. And 2010, like its predecessor, looks to be a year of uncertainty. Before we look down that road, let us review how ROE Capital Management fared in 2009.

2009 was a tough a year for money managers, regardless of their methodology or market of choice. Just about every conceivable trading paradigm was challenged by an equity market which collapsed and bounced, inflated with unprecedented central bank and government intervention. Managed futures investments, which outperformed all other asset classes in 2008, struggled most of the year, with the Barclay CTA Index returning (0.09%) in 2009.

The extra liquidity pumped into equity markets buoyed prices to such an extent that any net seller was crushed after the first quarter; quite simply, with the exception of short lived news sell-offs, the market was inundated with buyers. Once the market was assured that the assistance of the central bank and government knew no end, a rally was sustainable and the rush to cash of Q1 reversed. As long as bad news meant more government or central bank stimulus, bad news was good for equity prices; as long as good news meant the recovery was in force, good news was good for equity prices. The result was so skewed to the buy side it wreaked havoc on anyone not in the ‘buy and hold’ camp.

Despite this, 2009 was a successful year for both of ROE Capital Management’s managed futures programs: the Monticello Equity Spreads Portfolio and the Jefferson Index Program. Each program was ranked in the top 20 stock index trading CTA programs by its 2009 return (on In trading it has been said that where you end up is less important than how you got there, so I dove into those rankings a little deeper, adjusting the top 20 stock index trading CTA’s compounded average rate of return for the risk they endured. (I simply used the Calmar ratio, dividing the Compounded Average Annual ROR by the Maximum Drawdown for all programs in the top 20 list). This moved my programs up to a rank of 5th and 7th.

Since many stock index traders have high account minimums (0K+), I isolated our peers in the minimum capital requirement metric for an ‘apples to apples’ performance comparison. When you compare risk adjusted returns for 2009 for stock index CTAs with minimum capital requirements of 0K or less, the Jefferson Index Program is the number 2 trading program for 2009 and Monticello Equity Spreads Portfolio is number 3.


Jefferson Index Program
2009 ROR
Rank by 2009 ROR
Rank by Compounded Average ROR
Rank by Risk using Calmar Ratio
Rank by Risk Among Programs at 0K or less

Monticello Equity Spreads Portfolio
2009 ROR
Rank by 2009 ROR
Rank by Compounded Average ROR
Rank by Risk using Calmar Ratio
Rank by Risk Among Programs at 0K or less

I am quite proud of the performance of both ROE Capital programs for 2009. Relative to the broad market, though they were outperformed in returns, both programs trumped the major averages in risk, with the S&P 500 drawing down over 3 times their worst levels. Relative to their managed futures peers, both programs substantially outperformed all major CTA indexes in returns. In total, both programs successfully navigated 2009′s morass of fishy economic data, low trading volume, shrinking volatility and flood of zero interest dollars that pumped up the equity markets all year.

Part of the success of each program was achieved through the augmentation of my trading algorithms with a series of volatility filters. These models were designed to keep my programs out of the many head-fake signals that abounded last year. In mid-August I deployed these filters, which nearly halved trading volume. Current clients probably noticed a substantial reduction in trading, as we should see round turns per million shrink to 7,000 and 5,500 in the large and small portfolios respectively. These filters will remain active in 2010, as we await the return of ‘real orders on the street’.

Even though the trading models of ROE Capital are systematic and not concerned with the fundamentals of the stock market, a look at the macro situation instructs our position sizing, risk management and performance expectations. 2010 looks to be a year abundant with risks which will pressure equity market pricing. At the time of this writing, the markets are characterized by contracting volatility and anemic volume as they await the first headwinds of 2010. Most of the equity market rally post August 2009 occurred in the overnight trading sessions, with sideways trading during US market hours. Volume and volatility will remain weak during the US session until those headwinds pick up speed.

The key factors affecting equity pricing in 2010 will be a normalization of monetary policy, the looming sovereign debt crisis (ushered in by debt burdened US states), bursting emerging market asset bubbles, anti-business policy coming out of Washington, DC and the lack of new job creation in the US economy. Most of these externalities will induce a sell-off of the inflated value of stocks. Stocks are cheap to cash when the fed funds rate is near zero, so stocks will continue to rise until one of the aforementioned externalities weighs in on equity prices. Corporate profits will continue to look good, bolstered by low cost structures, not by growth. In order for stocks to move higher or maintain their 2009 gains throughout 2010, an engine of job growth must emerge. Otherwise, equity markets-which are presently exhausted-will struggle throughout the year.

I believe that 2010 could be the year that public debt among US states is finally internalized by equity markets, forcing equity valuations lower as public sector debt swamps more states than just California. A crisis of public debt could expose the central structural problems in the US economy: financing the difference between income and living standards, masking productivity loss with inflation and over-reliance on a credit fueled consumer.

My home state of Illinois is a perfect example of the risks posed to the economy by public sector debt. At the end of 2009, Illinois is effectively insolvent. It has .1 billion in unpaid bills 90 days or older, .4 billion in unpaid Medicaid and group health bills and .4 billion in short term debt which must be repaid in 2010. Its 2009 budget gap was filled with federal stimulus money which is unlikely to return in 2010. With falling tax receipts, a mere 2% cut in state spending, three credit downgrades in 18 months (and more on the way) and little additional federal assistance on the horizon, the cash shortfall will be even greater in 2010.

Complicating the current unpaid liabilities of the states are their unfunded long-term obligations in the public pension and health systems. These obligations will start to extort a major toll on state budgets in the coming years. Depending on how you calculate it, Illinois has between and 0 billion in unfunded pension liabilities. Since Illinois’ politicians have grown spending at the expense of funding pensions, they are now forced to add billion to the pension funds next year and billion each succeeding year to meet pension obligations.

This crisis, fostered by hiding the true cost of retirement from public employees, is not limited to Illinois. The largest 116 state and local pension funds in the US are underfunded by .12 trillion dollars using conservative estimates. This is over 3 times the states’ combined municipal debt (0 billion). Some of these benefits-as is the case in Illinois-are guaranteed by law, making default more than just politically treacherous-default is actually against the law.

Even if a debt crisis is postponed beyond 2010, there are still tremendous risks for growth. The expiry of Bush tax cuts will reign in private investment. Congress is examining a host of policy initiatives, any one of which could stall growth and add to long term obligations. As private investment gets crowded out and the public sector falters and contracts, the overall effect will be negative for jobs and consumption. Without a new asset bubble to inflate the market, defensive moves by companies to reign in cost structures will no longer be sufficient to manufacture profits. Valuations should begin to move in line with earnings. All of this argues for lower equity markets in 2010 and an expansion of volatility.

On the other hand, there is an argument for a contraction of volatility and another year of 20% gains in US equity indices. Historically, 20%+ returns in the major averages in years following contractions have more often than not extended through the next year. Midterm elections in the US could change the tone of policy coming out of Washington. States drowning in debt may be able to summon the political will to correct their fiscal course at the state level and use federal funds to get back on track. Since the US has successfully papered over the decline in personal income for many years, there is no reason to assume this year is the year the market takes its medicine.

But the growth scenario is less likely; if the midterm elections do change the course of policy in Washington, it is likely to come at the expense of stimulus for 2010 and signal the markets that a faster retreat from quantitative easing is politically expedient. This would cause the equity market to decline in 2010, though it will be good for the market in the long run. The biggest indicator of a tough year ahead would be if the indexes post a January close below their December lows; if that is the case, equity prices are likely to move lower throughout the year.

Fortunately for algorithmic traders like ROE Capital, we can turn off the macro side of the brain and focus on executing our methodology. I am committed to the systematic, dispassionate execution of my trading models, which are technical in nature. The takeaway from the above macro conditions is that volatility is likely to continue to contract until events unfold which move the market lower. In the event equity markets extend their gains through 2010, volume and volatility remain weak throughout the entire year. Though I favor the case for more pressure on equities and higher volatility, in either eventuality we will be focused on position sizing as we face contracting ranges. When the volatility expands, we will need to be ready to size down, shift our focus to risk and settle in for more price fluctuation and trading opportunities.
As an asset class, I believe managed futures will outperform equities in 2010. While most managed futures programs struggled last year and equity markets showed impressive gains, these gains came at the expense of risk. Who would knowingly risk over half of their investment to earn 25%? In the past 10 years, equity markets have essentially provided no gains (if you adjust for inflation, they have provided a negative return); managed futures have returned anywhere from 75% to 90% over the same period. As many US investors are heavily overexposed to US equities (in IRA investments, mutual funds, individual stocks), alternative investment vehicles like ROE Capital Management add an essential component of diversification to a portfolio, reducing dependence on the performance of the US stock market.

What separates ROE Capital Management’s programs from the pack is that they offer diversification not only from the US stock market, but also from our macro trading colleagues in managed futures. We maintained a slightly positive correlation with the major averages in 2009 (0.45 to 0.50), almost zero correlation to my managed futures peers (0.05 to 0.15) and negative correlation with US and world bonds (-0.10 to -0.22). As my algorithms are structured to perform in either macro environment described above, I am hopeful that we can maintain low correlation with traditional investments as we continue our success in 2010.

It is my hope we extend the gains of both of ROE Capital Management’s managed futures programs in 2010, with less risk and more return. As always, I will be focused on continuing to achieve the mission of ROE Capital Management: to obtain the best possible risk adjusted returns for my clients.

John L. Roe | President | ROE Capital Management, Inc. |

Ranked as one of the top stock index CTAs in 2009. | For performance – | For market commentary –

PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. An investment with ROE Capital Management is speculative, involves a high degree of risk and is designed only for sophisticated investors who are able to bear the loss of more than their entire investment. Read and examine the disclosure document before seeking ROE Capital Management’s services.

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Know About Health Insurance Claim Form

Health Insurance claim form 1500 or the CMS-1500 form is a claim form which is used by a non-institutional proviHealth Insurance claim form 1500 or the CMS-1500 form is a claim form which is used by a non-institutional provider when billing durable medical equipment regional carriers and Medicare. It is also used to bill Medicaid state agencies. Below are few points to be considered to get the free health insurance claim form.

1) Acquiring the Form

The CMS-1500 claim form is maintained by the NUCC or National Uniform Claim Committee. You can purchase the form from the U.S. Government Printing Office, any office supply store or a local printing company in your area. This form is available in many configurations; depending on type of printer and your needs. But, remember to use the newest version of the CMS-1500 claim form.

Form Completion Tips

While completing the form remember to use Arial or Pica font at a size of 10, 11 or 12, and use black ink and capital letters. Make sure you don’t have broken characters, and you can use italics or any type of stylized font or red ink. Don’t send the form with liquid correction fluid; the data should not touch the edges of the boxes; and don’t use narrative descriptions; use only standard codes. Only the original forms must be sent, which implies that you cannot send a photocopy of the form. Remove any gap from the form so that it conforms to the standard size of 8 ½” x 11″.

2) Entering Information

Mention at the top of the form if it is being used for a Medicare, Medicaid or any other type of claim submission. Fill in the ID number, followed by name, date of birth, sex and complete address of the patient. Patient’s condition related to employment, or some accident should also be mentioned. Each section of the form must be completed depending on where the form would be submitted (Medicare or a Medicaid state agency).

For more information on CMS-1500 form or for free health insurance claim form, you can sign up for one-stop medical coding websites.

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Oriental Overseas travel insurance

In this age of global anxiety flooded inboxes, unreasonable deadlines, hectic work schedules causes mental and physical torments. The only way out from this entire ordeal is to travel to a destination which assures fatigue release getaways. Everybody will have a secret desire to visit a place of significance. The place where one can put out of his mind, tribulations of life and forget his self.   The best and most visited countries are all within your reach, where in you can discover yourself as you discover the incredible natural world around you.


 Some people find relief by visiting their near and dear ones who are staying away from them and others try to defend themselves by travelling to a new place. Travelling plays a vital role in each of our lives to make our life enjoyable one. While traveling to any part of the globe visitors need to know certain safety measures they need to take before they commence their travel. When you set out to an unfamiliar place, your health and safety takes prime priority. Visitors need to get accustomed to the climate, food habit, and so on. As you know health is wealth, if you are healthy you can enjoy your sojourn while out of your land to the fullest.


There are chances when you are away from your familiar land you might become the victim to any health ailment which in turn will drain your finance. It is therefore you need to plan out the measures; you can take in order to safeguard yourself from financial crises. Travel insurance acts as a shield in case if you have encountered with health disasters and never allows ruining your economy. Travel insurance assures safety for India travelers traveling within and outside of their home country. When you plan your journey out of India you need to be aware of expensive medical care system in abroad and as an ‘outsider’ you can not avail form domestic health care.

 Before you leave your country you must see that you are insured under a reliable and economical travel insurance plan. In India we have increasing insurance companies who not only offer life insurance they have gone step ahead to meet the basic requirement of the citizens by providing travel medical insurance. Oriental is one such Indian renowned insurance company which offers travel insurance for travelers. Oriental overseas travel insurance is designed only for Indian international travelers as per their requirements.Oriental overseas travel insurance is available to Indians citizens between 6 months and 70 years of age.

 The overseas travel policy provides indemnity for expenses incurred due to health ailments such as treatment for accident, repatriation, deductibles, evacuation, dental cover, personal accident; in addition it covers loss of checked baggage, delayed baggage personal liability, loss of passport and so on. Visitors aged 60 -70 should submit medical reports of fasting blood sugar , BP urine test to avail full medical benefits. If the traveler fails to produce medical reports, the insurance coverage will reduce to ,000.Oriental travel insurance has four plans which have been designed to meet the requirements of the travelers.

Plan A-1, Plan A-2 Plan B-1and Plan B-2 which covers worldwide insurance coverage excluding USA and Canada. Some of the products offered under oriental visitor insurance are oriental travel insurance, oriental student insurance, oriental Multi trip travel insurance, Oriental Asia travel insurance, Oriental Senior Citizen travel insurance and Health First Medicaid insurance  takes no deductible for dental coverage, cashless hospitalization. Oriental travel insurers no need to produce medical report till 70 years.  Visitors can buy oriental travel insurance online using a credit or debit card. International as well as Indian credit or debit card to complete online transaction.

Travelers are expected to complete an online application and then complete the online transaction using credit or debit card. Soon after receiving the online payment visitors will receive the soft copy of the policy document to customers provided email address. Oriental travel insurance can be bought using a cheque. To make purchase process easier for those who cannot use credit \ debit can use cheque payment facility. The cheque can be sent to the postal address specified on the application .Visitors to clarify their uncertainties can contact at +91(80)41101026 in India. Policy document will be issued, emailed and couriered after receiving the cheque.Oriental travel insurance takes care of your essential in the most comprehensive way. Insured under Oriental travel policy and hope to have safe peaceful and happy sojourn.

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Independence and Children with Disabilities

In the months before leaving home for college, my mother helped me get a checking account, and we made sure my SSI checks would get to me at college. Mother showed me how to keep my checking account in good shape. I had watched her and my dad go over their accounts many times, and I knew I could do it. Before I knew it, it was September, 1975, and my parents drove me the 90 miles to Redlands. I was excited to begin this new phase in my life.

A few days after I was born, I became quite ill, my bilirubin levels were sky high and it blocked oxygen to my brain and I developed cerebral palsy. I was quite sick for nearly nine months. My family didn’t know how well I could hear or see at first. My mother had trouble feeding me because I couldn’t suck or swallow very well due to lack of muscle coordination, and my head would spasm backwards. In general I didn’t feel good so I would cry a lot, and didn’t feel like eating until my mother introduced me to chocolate pudding which she put into a lot of my other foods. She also had problems diapering me. My legs would lock together because my muscles were so tight. My mother and father had no idea how to help me.

Slowly, my vision cleared, but I have no idea if my hearing got better or not, or if it remained poor throughout my infancy. When I was one year old, I was taken to Chicago to be seen by Dr. Meyer Perlstein, a specialist in Cerebral Palsy. He ran me through every test he had. At the end of the day, he told my parents, “Yes, your lovely daughter has cerebral palsy, but she is very bright and charming. I think eventually she will walk and talk, and even dance if she wants to. It will take commitment, so you can’t sit on your laurels and expect it to happen by itself.” He prescribed physical therapy and short leg braces. Thus began a lifetime of PT, OT, and Speech therapy. When we lived in Kansas my mother had to drive ninety miles each way to get me to PT. I first stood and walked by myself when I was five.

I remember things clearly when we moved to Southern California when I was six, and my parents started giving me chores to do around the house. Keeping my room clean, emptying the trash cans, feeding our beagle, setting the dinner table, weeding the yard. I remember sorting laundry with my mother when I was home sick from school.

Independence starts in childhood when the child is given a task, or some kind of responsibility. It builds confidence that they can achieve something they set their minds to. It also helps to teach that their actions have consequences both good and bad. All this helps your child to become independent as they go through their education and helps build self-esteem. When they go to live on their own, you know that fundamentally they can do it. Of course there will be mistakes. I do not know anybody who hasn’t made mistakes; that is how all of us grow. After a few mistakes, eventually you will have a fully independent young person ready to tackle the adult world.

Every child can do something to help out, you need to be creative. Perhaps you have an early bird who can act as the family’s alarm clock. Maybe they have siblings and they can read to them, or teach them how to tell time, or guide the siblings through making dinner, or brownies.

I have attended a few conferences for people with developmental disabilities, and I am happy to say that the more parents and teachers EXPECT from children with cognitive disabilities, the more they achieve. So it’s very important that these children get into Headstart, or other early childhood intervention programs. Parents need to be assertive in making sure their children have appropriate IEPs, communication devices, wheelchairs.

These days, people with Down syndrome are attending college, trade schools, holding down jobs, and living on their own with a little assistance. No longer are they in sheltered workshops doing repetitive busywork that neither helps them grow, nor helps them learn a useful trade or become independent.

My parents were tigers in making sure I had what I needed, and that taught me how to advocate for myself and others. At times I resented my mother pushing me so hard when I was a teenager, but as I got older — in my twenties and thirties, I realized why, and came to really appreciate it. My mother was a clinical social worker, and knew the fate of many children who had to go live in institutions. She did not want me to befall that awful fate.

Those days, however may come again, if we don’t continue to fight for ourselves and our children. Unfortunately, old stereotypes die hard, and we must fight for our rights, and hold politicians accountable for their budget decisions and policies.

Sadly, President Obama has shown in his speech on the 19th anniversary of the Americans with Disabilities Act, that he truly does not understand that the rights we are still fighting for, have more in common with the Voting Rights Act than he is acknowledging. In that speech, he extolled the virtues of Michelle’s father who woke up one day with Multiple Sclerosis, but who kept going to work in the factory, never asking anybody for help. I can’t help but believe that in his private thoughts, her father WISHED he didn’t have to walk up and down the stairs, among other things.

Mr. President, I assure you, that people with disabilities ARE “overcoming” great obstacles, in everything we do. It’s not about denying our needs as Michele’s father did. It’s about full integration into society, and part of that is making sidewalks, parks, trains, buses, and buildings accessible. It’s about children appropriately educated instead of isolated in a classroom for kids with many different types of disabilities where a child with Down syndrome will not be challenged to keep achieving more and more. It’s about NOT being ashamed of asking for help that is truly needed.

It’s not about being able to get dressed or feeding yourself. It’s about having the dignity of helping hands that enable those who can’t do those things. Their minds, hearts, and souls may outshine many able-bodied people. It is truly a shame that so many people with disabilities are unemployed. We have so much to offer this country, and yet, just as people of color still have to overcome prejudice, so it is with people with disabilities.

We WANT the opportunities that every other American has. Power wheelchairs, communication devices, and the Personal Computer have enabled more people with disabilities to participate more fully in American life than ever before. But if we have nobody to get us out of bed, get us bathed, dressed and fed in the morning, then our talents will go to waste.

This is why we overwhelmingly want the Community Choice Act included in the Healthcare Reform bill. 44 years ago, Congress created Medicare and Medicaid. Medicaid and Medicare were written at a time when disability was seen as medical problems, prior to the Disability Pride movement. The result has been that people have had to live in nursing homes because the funding has not been there for them to get assistance in their own homes or apartments. Many studies have shown that it is much less expensive to support people out in the community than nursing homes. Things need to change! We have disabilities — we are not sick! There is no reason for us to be living in nursing homes, except for the fact that Nursing Home lobbyists line the pockets of our politicians.

I have been on my own since 1975, my body has had a few bumps since then; car accidents, fibromyalgia, and arthritis, have caused me pain since 1990. I have hired helpers who assist me with chores. I have maintained my independence, and quickly fire anybody who repeatedly forgets that I’m the boss! I am active in my community, and for the last six years I have sat on the Mayor’s disability commission in my city. I have tried unsuccessfully to find employment, but have decided to work for myself. To me, the day I lose my independence is the day I begin to die.

What we think of as independence, in this day and age, is actually INTERDEPENDENCE for most people in the USA. Unlike our fellow citizens in the past 200 years, most of us do not know the first thing about building a home, and we live with conveniences that take us far away from the cows, pigs and crops. We no longer sew our clothes, kill the pigs, or collect eggs from the chickens. I would challenge President Obama to wake up from the fantasy he has about his father-in-law. It is not the reality of today’s world. I could as easily write my own version of a fantasy about the hard-working Mexican lady who used to clean my mother’s house. Think about it.

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On the 40th anniversary of the gay rights movement, Pennsylvania has far to go
32 PLW 738; July 6, 2009 By Dorothy K. Phillips
Special to the Law Weekly

 In 1969, police raided the Stonewall Inn in New York City setting off the gay rights movement in the United States.

 Until recently, two states, Massachusetts and Connecticut, recognized same-sex marriages. In the last few months, four more states have approved same-sex marriage, specifically Iowa, New Hampshire, Vermont and Maine. The progress in 40 years from a raid on a “gay bar” to six states approving same-sex marriage seems, at first blush, dramatic and progressive. A careful analysis, however, shows that while certain states have fostered the rights of same-sex couples, the federal government has moved at a snail’s pace. There is still no policy that permits gays and lesbians to serve openly in the military. In fact, gays and lesbians who have “come out” in the military and disclosed their sexual orientation are facing courts-martial proceedings. The “don’t ask, don’t tell” policy is alive and well, notwithstanding President Obama’s campaign promises to the contrary.

 On the federal level, in 1966, legislation known as the Defense of Marriage Act was passed by Congress defining marriage as a legal union between a male and female. That act is still in place, and gay people still cannot provide health insurance or survivor benefits to their partners if they are employed by the federal government. These federal rights have been sought vigorously by gay couples who believed that with the election of Obama, progress would be swift. LGBT Americans have been severely disappointed. What the president has done is to allow domestic partners of federal employees with such chronic conditions as Alzheimer’s disease to be covered by long-term health insurance. By presidential fiat, in June, Obama provided that federal workers can take sick leave to care for a partner or a child who is not his or hers by birth. But Obama put on the brakes when it came to providing health care benefits to the partners of federal workers.

 How has Pennsylvania fared with gay rights issues? Not well. Pennsylvania has long been against marriage for gays, against civil unions and against employee benefits for gay couples, unlike its sister state, New Jersey. On Jan. 15, 2007, I wrote an article for Pennsylvania Law Weekly regarding New Jersey’s decision to permit civil unions between same-sex couples, which legislation afforded those couples the same state rights and benefits of married heterosexual couples. The New Jersey egislature stopped short of granting the right to marry to same-sex couples, but accomplished awarding couples who entered into civil unions the right to own property, to transfer property during life and at death and the right to divide property upon death in the same manner as married heterosexual couples. With that legislation, those couples joined by civil union were entitled to health insurance; pension benefits; to worker’s compensation benefits; to family leave; public assistance benefits, including Medicaid; domestic violence protection, and the right to adopt children. However, state legislation on civil unions does not extend to federal rights. For instance, state rights do not give a gay couple the right to file a joint federal tax return, the right to receive Medicare; or any other federal benefit. There are no Social Security benefits for the partner of a civil union or of a same-sex marriage.

 Steps Forward — and Backward

 A recent review of Pennsylvania’s efforts with respect to its gay citizens evidences both steps forward and steps backward. For instance, the Pennsylvania Human Relations Act offers no protection for sexual orientation or gender identity. There is no protection for gay individuals in Pennsylvania against discrimination in the work place, and in the housing market. In an effort to remedy this situation, earlier this year, state Rep. Dan Frankel, D-Allegheny, introduced House Bill 300, which provides the same non-discriminatory protection in employment and in housing industry for sexual orientation, gender identity or expression as is afforded regarding race, color, religious creed or ancestry. The Philadelphia Bar Association passed a strong resolution in support of HB 300. Notwithstanding, state Sen. John Eichelberger, R-Blair, introduced an amendment defining marriage as a legal union between a man and woman. Further, Eichelberger’s legislation would expressly ban gay marriage even though a 1996 law in Pennsylvania specifically defining marriage as between a man and a woman still exists. Thereafter, state Sen. Daylin Leach, D-Montgomery/Delaware, introduced legislation that would legalize same-sex marriage. Obviously, the proposed legislation from both senators Eichelberger and Leach are antithetical. With the poor state of the economy at present being the top priority, there is not optimism that either will pass. Meanwhile, House Bill 300 has languished in the General Assembly.

 The headline of my article for the Law Weekly in November of 2006 was “Separate, But Not Equal.” That article discussed the rejection of same-sex marriage and domestic partnerships during the elections of Nov. 20, 2006. I wrote another article on Jan. 15, 2007 headlined “Separate, But Still Not Equal”, exploring the fact that although the New Jersey Legislature passed legislation approving civil unions, which granted same-sex couples state’s rights, there were still no benefits from the federal government. Obama’s efforts for gay couples earlier this month are far less than that which the LGBT community was hoping for. The front page of the Sunday New York Times for June 28, featured an article headlined “Political Shifts on Gay Rights Are Lagging Behind Culture.” A reading of that article indicates that while gay issues are being discussed and considered in the nation’s capitol, LGBT Americans are far from being treated equally. There was tremendous hope by gays and lesbians that Obama, together with a Democratic Congress, would afford gays the rights which they had been long seeking. However, Obama and Congress are moving slowly, like the proverbial tortoise.

 While the United States took a giant step forward in electing a president of mixed race, there is not equality in the area of sexual orientation or gender identity. The state government remains hostile to LGBT Pennsylvanians, affording very little in the way of equal rights to the partners of gay employees or to gay couples. Ironically, Pennsylvania’s neighbors, New York and New Jersey, afford protection for sexual orientation and gender identity. However, Pennsylvania continues to remain a state where gay couples are still separate, not equal, and do not even have a Human Relations Act providing for non-discrimination in the workplace or with respect to housing. As gay citizens continue to capture positions of prominence along with the concomitant financial accession, they will yield the economic and political power to secure the civil rights which other groups have already secured.•

 Dorothy K. Phillips is the founder and managing partner of DorothyK.Phillips & Associates in Philadelphia. She focuses her practice on domestic relations law. A former family therapist, she is a frequent author and lecturer on a variety of family law issues.


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Lord Acton (1834–1902)

The RAT board — this is an appropriate acronym. The Recovery Accountability and Transparency Board — a provision included in the stimulus bill, has the job to oversee in-house watchdogs, known as inspectors general. The inspectors general job is to INDEPENDENTLY investigate allegations of wrongdoing at various federal agencies, without fear of interference by the White House or political appointees. It seems the White House has control of inspectors generals — the RAT board gives the people getting investigated the power to tell the investigators/inspectors generals what to investigate. — in the name of accountability and transparency. Once again our tax dollars hard at work — if it isn’t evident by now what the stimulus was intended to stimulate — looking into gov. corruption may bring some light to the question.[1]


1.-washingtonexaminer-com-politics The RAT hiding deep inside the stimulus bill February 19, 2009

-trackingchange-pbworks-com WHITE HOUSE PRESS RELEASE February 23, 2009 Vice President Biden to Oversee the Administration’s Implementation of the Recovery Act’s Provision

-foxnews-com Former Inspector General Gerald Walpin: ‘Fired For Doing My Job’ June 16, 2009

-therealbarackobama-wordpress-com RAT Squad Spying on Barackistanis? February 19, 2009

-For insight into Obama’s views on the courts and the Constitution, see the AT piece, “Obama the Justifier”, by Selwyn Duke, 10/3/08.

-chaffetz-house-gov 12 2009 the omnibus bill: Bad government at its worst

–townhallmob-com 8 12 2009 was democrats’ health care strategy written in federal prison?

-townhallmob-com 12 2009 A White House Power Grab that Congress and America Doesn’t See

-10 facts every american should know about speaker Pelosi’s 1,990-page gov’t takeover of health care John Boehner (R-OH)

*–newsmax-com Debt Commission Leaders Paint Gloomy Picture 11 Jul 2010 about to hit debt ceiling – again stimulus funds spent overseas Eye on the Stimulus 5, 2010Why Government Spending Does Not Stimulate Economic Growth: Answering the Critics

-washingtonexaminer- com A cure for the federal debt cancer July 19, 2010

-From Bob Latta’s website 10 More Things Every American Should Know About President Obama’s Job-Killing Budget Posted by Staff on February 03, 2010

-examiner-com Sources say smackdown of Obama by Supreme Court may be inevitable! July 9 2010


-*lattahouse-gov congressman bob latta health care oped Washington Aug 9

We, the undersigned, join with Democratic Senators Bayh, Lincoln, Pryor, McCaskill, Landrieu, Nelson, Lieberman and Webb in urging Washington policy-makers to require that a complete copy of any bill or legislation, along with its CBO scoring, be posted online for citizen review at least 72 hours prior to any vote being taken. stop fraud first petition

- * John Boehner Democrats’ Spending by the Numbers October 21st, 2009 –(4,094: The share of the national debt owed by every household in the U.S.)

* Healthcare Fraud Top 10 Shocking Fraud Examples

-right to work foundation sign petition against card check

-* The Progressives’ 100 Years War

-**the men who risked everything – the 56 signers of the Declaration of Independence

-glennbeck-com April 16 2009 American Progressivism Who were the Progressives, and why are they important? R.J. Pestritto Shipley Professor of the American Constitution at Hillsdale College

*-foxnews-com Obama Change Index – The “Obama Change Index” charts the impact of policies promised by President Obama. Check back weekly to see how pundits judge the administration and offer your own assessment on the OCI scale.


-mountainwestmilitia-com America transformed (Cloward-Piven Strategy)

*-resistnet-com/listed is Fire the 219 — a project of the Nationwide Tea Party Coalition, …We are working in close cooperation with Recall Congress Now, a project of The American Civil Rights Union, …GOOD RESOURCE FOR FIGHTING THE REMAKING OF AMERICA

-*brainshavings com THE ONLY LINK YOU REALLY NEED to Follow The Corruption of ROTTEN ACORN: America’s Bad Seed


-foxnews-com ACORN Still Eligible for Donations Through Government’s Combined Federal Campaign—-

- Obama and Acorn Is there a case for a special prosecutor?

-desertconservative-com Now we know why acorn backs Obama! Where’s our mainstream media Aug 20 2009

-washingtonexaminer – com stimulus bill funds ACORN despite its history of corruption

“…numerous ACORN agents were caught on camera giving advice to undercover journalists on how to open an illegal brothel, launder its profits, defraud banks and the IRS, and commit a host of other illegal activities…”

-unionfacts-com card check

-wsj comBusiness Fights Back = (card check, c*ap & tax, etc.) Union Recognition – Secret Ballot Elections and Card Check Schemes

- demint-senate-gov DeMint, Enzi Introduce Secret Ballot Protection Act (SBTA) February 25, 2009 Bill would guarantee workers’ right to secret ballot vote, stop efforts by union bosses to force undemocratic “card check”

-right to work foundation sign petition against card check

-nrtw –org AFL-CIO Czar Trumka: Card Check Forced Unionism Will Pass Tue, 01/19/2010

— *The two most recent appointed/to be appointed, not elected, czars to remake America into a more Socialistic/dictatorship state.

- *Donald Berwick Obama administration nominee to run Medicare and Medicaid

-redstate-comn Obama nominee Donald Berwick’s radical agenda May 12 2010

–nypost-com O’s radical pick for Medicare June 16, 2010

-foxnews-com Obama fills Medicare and Medicaid post without senate approval July 07 2010 (Association of American Physicians and Surgeons) How Dr. Berwick Will Control Your Doctor & You July 18th, 2010

- *Craig Becker Obama administration nominee to the National Labor Relations Board

nrtwc-org (the national right to work committee) The NLRB Becker Fight “Shakes and Bakes” Again Senate Confirms NLRB Nominees Pearce and Hayes, not Becker June 22, 2010 National Labor Relations Board nominee Craig Becker shot down in Senate 02/09/10

-Senator Orrin Hatch Utah concerned by NLRB Nominee Craig Becker

-nationalaborblog-com 2010 02 Controversy Over Nlrb Nominee Craig Becker Heats Up


-articlesbase-com – click on news and society in articles category – enter in search box, IS OBAMA A SOCIALIST? and listed is: Brief Biography Of Barack Obama, Obama is the gray man, born and great in the cultural crossroads that make him find difficulty at the beginning of the period of his life. Son of a Kenyan with jet and mother of United States with as white as milk, grew up in a simple … Feb 26, 2009; another heading is – A list of family, friends, and advisers that can be/are linked to socialism, or total government control. Jul 15, 2010; – enter THE LIBERAL MAINSTREAM MEDIA AND OBAMAS’ ADMINISTRATION HAVE A SYMBIOTIC RELATIONSHIP – describes how the media, and the White House protects liberal views, but conveniently bypasses, and demonizes conservative views Jul 21, 2010; – enter ARIZONA ILLEGAL IMMIGRATION LAW IS A CLONE OF THE FEDERAL ICE 287 PROGRAM – mentions When Senor Wences, Felipe Calderon, from Mexico criticizes Arizona’s law, something is blatantly wrong. How can Mexico’s President, who enforces harsh immigration law/s, and knows little about Arizona’s problems be given creditability? – Eric Holder calls SB1070 possibly unconstitutional, without reading the law. In the bill, racial profiling is specifically addressed, and prohibited; and if Arizona wants to enforce the same rules as Feds 287 program, Arizona is racist? Jul 13, 2010 -enter THE END JUSTIFIES THE MEANS 2010-07-28 – Climate legislation could be have a symbiotic relationship with Goldman Sachs, many of Sachs ex-employees are bureaucrats working in the White House; -enter IS THERE ENOUGH TIME FOR VOTING REFORMATION ? 2010-07-30 – There is a lot of corruption in the election process – if election reforms aren’t in place, in November the will of the American citizens may once again get bypassed. The Democrats, as a whole seem to not know what most Americans know, and Democrats keep passing any bill that is sponsored by their party — they are still playing by the same old rules, but the results are killing CAPITALISTIC/PRIVATE enterprise, basically free America; -enter IN THE PRESENT BUREAUCRAT CREATED CRISIS, ELECTION REFORM IS IMPERATIVE 2010-07-24 – Please consider the reforms necessary for November elections. The current elitists schemes are putting people in debt for decades, destroying private enterprise, and capitalism – stimulating gov. ideals more than creating jobs, and are remaking America into a socialist state/monocracy; the freedoms we had before this administration took power will never be seen again; -enter In November do people want THE USUAL big government takeover tactics, or do they want to GO BACK to a semi-private/CAPITALISTIC society 2010-07-28 -The far left is against capitalism, and for government control, they are finding scapegoats in private entities. A major reason for this is people have not been involved in politics, and what their representatives are doing, allowing the far left to take over the White House; -enter ANOTHER UNECESSARY TAX — ISN’T SOCIALISM WONDERFUL 2010-07-22 – State Childrens’ Health Insurance Program. This program expands public health coverage to many children who would otherwise have been enrolled in a private health insurance program. Evidently a 61 cent increase in cigarette tax went to the SCHIP program.


“All tyranny needs to gain a foothold is for people of good conscience to remain silent.”

~ Thomas Jefferson


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How To Find Long Lost Friends And Loved Ones

Have you lost touch with your best childhood friend? For some of us, we have not seen or heard from them in many years, but remember fondly the good times we shared while growing up. Imagine what it would be like to see them again…the stories you could share…the times forgotten that are brought back to life! It would be like reliving those good times all over again, if only for a moment!

Being able to love and laugh again with old friends is a joy to cherish.

Perhaps you have wondered what ever happened to a lost love. Or you have a close family member or loved one that has gone missing from your life. Wouldn’t it be wonderful if you could see them again?

But how do you go about locating a person? How do you even get started trying to find an old friend or loved one? And what if they don’t want to be found? Is there any way to find them?

Thanks to advances in technology, today it is possible to locate a person in many ways. The Internet is full of billions of bytes of data, some of which may be the very information you are seeking. With a little patience and technical know-how, you may be able to locate your long lost loved one or friend through the Internet.

First, gather up any information you can get about the person you are trying to find. Basic information like their name, last known address or phone number, their social security number, or any email addresses they may have used will get you started. Information like where they lived and when, or their birth date, may turn up some clues in your search.

Here in the USA, a person’s social security number is used for many things that can help you locate a person. They must use that number to get a job, to get unemployment benefits, to get any social security or Medicaid benefits, to get a bank account, to get a loan, to rent an apartment or buy a home, to register for school, and a myriad of other things. Some of this information is public information that you can access if you look in the right places. If you can find out their social security number, you can find out where they are now.

Another bit of information that can help you to locate a long lost loved one or friend is their email address. Once you can get that, you can find them also. Using a reverse email search, you can locate anyone that has used the Internet for communicating by email, at forums, in chatrooms, or on social sites.

Even a Google search for their name or any other information you have about them can turn up a clue as to their whereabouts.

If you feel that it is too overwhelming or time consuming for you to chase down these clues, you can still locate a person by visiting one of the online companies that will do this for you. For example, is well known and trusted in this field. Simply order your search from them, and they will used their advanced technology to find your childhood friend, your long lost love, or any other person you may want to locate.

Be careful when choosing a private investigator to do your locate. First find a company that offers both a people finder search service and a skip trace investigation. This way you know they have experience and resources to do the job right. Next check out their reputation.Are they considered experts? Are they recognized as an authority in this field? Are there any complaints about them on the Internet?

Beware of cheap software programs that promise to make to an internet detective for one low one time fee. These products can be deceptive to say the least since most of the unlimited services they claim to provide are only available to licensed processionals.

Good luck with your search, and have many joyful reunions!

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Montana Long Term Care Partnership Program

The population of Montana is aging faster than the rate of any other states, according to the State Plan on Aging. The study also divulged the foreseen problems and challenges in providing long term care services in rural communities, since consumers in these communities have hard time finding affordable LTC services in their area.


The State Plan on Aging recommended an increased in number of beneficiaries of Medicaid Home and Community-Based Waiver Program to about 100 persons per biennium. The state of Montana followed this recommendation and boosted the funding that would accommodate 102 slots for the programs.


There were several programs established to address the lingering problems of long term care. The legislature, on the other hand, created an Older Montanans Trust Fund (Senate Bill 155) in 2007 that will advance the program for home and community-based services (HCBS) and foster new or innovative programs for older people. Meanwhile, in the same year, the Senate Bill 206 was passed that authorized the Department of Public Health and Human Services to research the feasibility of increasing Medicaid payments to personal care providers and employees so employers can provide better health insurance for their workers. Senate Bill 206 authorizes the state department to analyze the effects of the plan.


In 1993, four states—California, New York, Indiana, and Connecticut—started the pilot program for long term care partnership. This program envisioned to help modify the stringent policies for qualifying in Medicaid program and encourage people to secure long term care insurance for themselves. The partnership program encouraged a lot of consumers from low to high income earners, since the program allows consumers to purchase policies even if they have assets greater than the required asset limit of Medicaid.


The state government of Montana acknowledged the benefits of the partnership program, and believed that more and more consumers will purchase policies for they are not required to reach the maximum asset limit of Medicaid or fritter their resources in order to qualify.  After the Deficit Reduction Act of 2005 was created, the state of Montana adopted the long term care insurance partnership program. The legislation was approved in 2007 and, as of July 1, 2009, private insurance providers participated in the partnership program. With the asset protection feature, an individual with partnership policy that pays 0,000 policy benefits can retain more of his or her resources, but still qualify for Medicaid coverage. The insured would be able to protect 0,000 assets from Medicaid asset recovery upon death. To sum up, an insured may be able to protect the amount of assets from estate recovery equal to the amount of benefits for long term care insurance.


Do partnership policies save taxpayer dollars? The 2005 Congressional Research Study found out that people are encouraged by the asset disregard protection. Supporters of partnership policies agreed that people can save more dollars to some extent, provided that partnership policies have incorporated inflation protection. When more insurers purchase the partnership policies, the Medicaid expenditures will be lessened and the taxpayers themselves will benefit


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The Myths and Facts of Long-Term Care

Probably all of us assume that our present health insurance covers long-term care. Below we separate the myths from the facts.

Long-term care is the assistance people need to perform normal daily activities once they are unable to do these things for themselves. Typically, the normal aging process creates long-term care needs. But they also arise from a variety of other problems brought on by injuries, illnesses and cognitive impairment.

Myth: My health insurance probably covers me for long-term care. 

Fact: Most people incorrectly believe that they have coverage for long-term care expenses.

Myth: My health or disability insurance will cover my long-term care.  

Fact: Many people incorrectly believe “other health insurance” will pay for their long-term care, such as your HMO or your long-term disability insurance.   If you are in doubt about what your current health insurance covers, please talk with your insurance agent. You may need to purchase additional long-term care insurance.

Myth: Medicare or Medicaid will cover my long-term care.  

Fact: It is true that Medicare pays for some long-term care.   But this kind of care is for skilled help, such as nursing, and not custodial care which is non-skilled care that helps you with daily activities like walking, eating and so on. You can receive some Medicare assistance if you are eligible. The best place to find this information is to go to the website.  Medicaid, a State and Federal Government program, also assists with certain health services for seniors with low incomes.  But the assistance varies from state to state.  So make sure you check with Medicaid in your state.

Myth: Long-term care is only for the elderly. 

Fact:   Let’s stop to think about that.  The need for long-term care can arise at any time in a person’s life. Do you know a younger person who has been disabled for any reason and who requires long-term care?  Christopher Reeves is a good example of someone who was paralyzed in the prime of his life by a horse riding accident.

Myth: My family and I probably won’t need long-term care.  

Fact: According to a recent report on the Medicare website, a 65-year-old today has a 40 percent chance of entering a nursing home. Of that number, 10 percent will stay there for more than 5 years. Consider also that people are living longer on average, increasing the likelihood of needing long-term care.

Myth: I won’t need long-term care insurance because my family will be able to care for me.  

Fact: While families do and will continue to provide care, it is not possible to know for certain whether your family will be available and able to care for you when the time comes. It’s possible that the type of care you might need will require professional help or a stay in a nursing home or assisted living facility. For many married couples, because the wife often out-lives her husband, she is less likely to have someone nearby who can provide care for her. Furthermore, you may be putting a severe financial and emotional burden on your loved ones. It is important to decide how you want to be cared for and ensure that you are protecting your family. The fact that family and friends may help supplement care does not have any bearing on the cost of coverage.

Myth: My family can’t afford long-term care insurance. 

Fact:  The question you need to ask yourself is “Can they afford NOT to have long-term health care?”  There are three things you can do.  First, create a financial or retirement plan that is right for you.  Second, work with your health insurance agent to design coverage that meets both your care needs and your pocketbook.  And third, purchase the insurance now while you are younger. Premiums are more affordable the younger you are at time of purchase. Today’s long-term care insurance offers a lot of flexibility, and there are a variety of plans available to suit your needs and budget.


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How to Finance Nursing Home Care?

More than 80 percent of nursing home residents in United States are age 65 and above. Most of them are in critical care due to chronic illness or disability that requires supervision from nurses, aides, and nursing home staff. Some residents simply stay there for assistance in daily living activities since they are no longer capable of moving around and taking care of themselves.

Many of nursing home residents are called long term care patients – they suffer from critical illness that prevents them from doing normal activities and hamper them from going back home. Long term care patients are destined either to die in the nursing home or to be moved in to a hospital where they will die. In fact, the average stay of elderly patients is just two years.

Nursing home has a typical hospital environment and facilities. The residents stay in rooms that are similar to hospital rooms with little or no privacy. They use hospital pricing model wherein residents are charged daily flat rates for either semi-private or private room, while additional services and supplies are charged to the bill.

Who Pays?


Medicare is a nationwide health insurance program granted to eligible elders age 65 and older. There are approximately 40 million Medicare beneficiaries throughout United States.

Medicare is one option in paying for nursing home care, but not the best alternative. It only pays for the full cost of the first 20 days of 4 per day. Medicare can pay for the next 80 days if the person has private Medicare supplement, but usually stops before the 100th day. When Medicare stops, the supplemental coverage also stops. An individual must stay for at least three days in a hospital or undergo skilled care. The transfer from hospital should happen at the same time period.

Most people assume that Medicare can pay the entire 100 days for nursing home stay; however, that’s not the case. In fact, not all nursing home stay automatically signs on to Medicare coverage.


In 1998, Medicaid paid for almost 46.3% of the billion received by all US nursing homes. Medicaid only divvies out its budget for nursing home care either on semi-private room or private room and only few left for home care. However, a state legislature is compelling Medicaid to fund home care and assisted living.

Individuals who want to avail home care or alternative community services must be evaluated for 90 days in nursing home. Also, a person should have 00 worth of total assets to qualify for Medicaid. In fact, there have been lots of horrible stories from people who have lost their cars, houses, and properties to qualify for Medicaid.

Private Long Term care Insurance

Private insurance is another alternative funding for long term care nursing home care. The government also pushes programs that will help people finance their own long term care rather than Medicare and Medicaid bear the brunt of funding such expensive care. These efforts all started from Pepper Commission in 1992 and HIPAA legislation in 1996 that offered long term care insurance for federal workers, military, retirees and their families.

You can now purchase LTC insurance coverage in your state. All LTC insurance is medically underwritten that is a basis for the insurance company to accept or refuse the application. The cost and type of coverage normally depends on the person’s age and medical condition.


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