Health care law impacts insurance for 2010 college grads
By REESE McFADDIN
President, Workplace Benefits
Reprinted with permission
note: May and June's graduates are probably thinking about kicking
back and relaxing for a little while now that classes are out,
but their parents might have their minds on some of the financial
issues that arise with a graduation, including what it all means
for the student's health insurance. Reese McFaddin, owner of Workplace
Benefits on Daniel Island, wrote a recent
blog post on what the new health insurance reform legislation
means for parents and students. We thank her for letting us reprint
31, 2010 -- It's May and for many young people it's graduation time!
College graduation is a huge accomplishment and an exciting time.
But for me, all I remember is being scared to death. I did not want
to leave my friends and certainly was not ready for the grown-up
world, which was defined by my father saying, "It's time to
get off the payroll."
if getting off the payroll and graduation weren't daunting and depressing
enough, many of us also had to quickly scramble to find health insurance
within weeks of graduation. Our only options were finding a job
or purchasing an individual policy.
Now that health reform is the law of the land, a college-age child
will be able to stay on his or her parents' plan until age 26. As
it stands now, this will be in effect beginning September 23, 2010.
Blue Cross Blue Shield of South Carolina and United Healthcare are
ahead of the curve and are allowing young adults in this category
to be covered on their parents' plan (individual or group) effective
June 1, 2010.
As mentioned before in a previous
blog post, this guideline is only defined as being under the
age 26, and the young adult does not have to be in school. The IRS
has not further defined "dependent." In other words, the
law doesn't mention anything about the dependent having a job, being
married, or being supported with "X" amount paid per month.
Things to consider if you have a graduate in the family:
you have one child already on your employer plan? If so, it's
probably more cost effective for all of your dependent children
to stay on your policy.
this is your last or only dependent child? Then an individual
plan might be a better financial option, as it is cheaper and
the child can keep it past the age of 26 (regardless of marital
or job status). However, if your child has pre-existing health
issues, then staying on your group plan will be best.
2010 graduates, on the next chapter of life -- and being able to
stay on the payroll until you are 26! Please keep in mind, the points
on this blog post are subject to change and may be interpreted differently
by the IRS and the insurance carriers. This is just a general outline
from what we tentatively know right now.
McFaddin owns Workplace
poll still has us scratching our heads
By ANDY BRACK, publisher
31, 2010 - With about a week before the primaries, a new InsiderAdvantage/
Statehouse Report poll still has us flummoxed.
poll, taken the night following the May 25 headline-grabbing accusations
that GOP Rep. Nikki Haley had an extramarital affair with a blogger
in 2007, showed voters still preferred her over three male opponents.
Of the respondents who said they would vote in the Republican primary,
just over 30 percent said they'd cast ballots for Haley, compared
to 20 percent for Lt. Gov. Andre Bauer and 14 percent each for U.S.
Rep. Gresham Barrett and Attorney General Henry McMaster.
With South Carolina being such a "family values" state,
it's tough to explain why Haley would keep the lead. Either Republican
respondents weren't overly concerned about the allegations involving
Haley or they had not had enough time on the night the poll was
taken to process what the allegations of impropriety meant.
maybe the folks being surveyed were sick of the smarmy side of politics.
Just look at how they responded when asked whether they would be
more or less likely to vote for a candidate accused of having an
extramarital affair. Some 18 percent said they'd actually be more
likely to vote for someone who had an affair - certainly a response
that is counterintuitive in this conservative state.
Regardless of the truth of the allegations involving Haley, her
campaign ought to worry a little because 45 percent of respondents
said they wouldn't vote for or would be less likely to vote for
a candidate who faced allegations of an affair.
An old rule of politics is that perception is more important than
reality. In the days ahead, if the Haley campaign can't corral this
scandal, it might end up having a lot of problems.
Other results of the poll found Democratic Sen. Vincent Sheheen
of Camden leading in his party's primary for governor. Of those
who said they'd vote in the Democratic primary, 26 picked Sheheen
and 17 percent tapped state Superintendent Jim Rex. Charleston Sen.
Robert Ford nabbed 12 percent. Some 45 percent of voters said they
didn't know who they'd vote for or had no opinion. In other words,
two weeks out, the election was wide open.
The race for lieutenant governor was an even bigger wild card. In
a four-way GOP field, former Mount Pleasant Sen. Larry Richter had
16 percent. Others in the field: Florence councilman Ken Ard (13.7
percent); Orangeburg lawyer Bill Connor (11.3 percent) and Columbia
businesswoman Eleanor Kitzman (5.1 percent). Some 53.6 percent of
those polled had no opinion or didn't know who they would pick on
Other highlights of the InsiderAdvantage/Statehouse Report poll:
direction. South Carolina is headed in the wrong direction,
according to 50.2 percent of respondents. One-fourth said it was
heading in the right direction. Another quarter said they had
no opinion. The results from the May 25 poll are dramatically
different from a December InsiderAdvantage/Statehouse Report poll
in which 39 percent of respondents said the state was headed in
the wrong direction.
not yours. South Carolinians tend to think their legislators
do a better job than the legislature as a whole. Almost half of
respondents (49.5 percent) rated state legislators as a whole
as below average or failing. But only 34.4 percent said the state
legislators for their district were below average or failing.
Conversely, 26.8 percent graded their legislators as outstanding
or good, compared to 15.4 percent of respondents who rated all
legislators as outstanding or good.
you want to see the full poll results, visit www.StatehouseReport.com.
Andy Brack, publisher of Statehouse Report and CharlestonCurrents.com,
can be reached at: email@example.com.
love getting input from you. If you have an opinion you'd like
to share, send your letters to: firstname.lastname@example.org.
We look forward to hearing from you!
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to you at no cost. This issue's featured underwriter BB&T,
a regional bank that has built on a tradition of excellence in community
banking since 1872. BB&T is a mission-driven organization with
a clearly defined set of business principals and values. It encourages
employees to have a strong sense of purpose, a high level of self-esteem
and the capacity to think clearly and logically. BB&T offers
clients a complete range of financial services including banking,
lending, insurance, trust and wealth management solutions. To learn
more, visit BB&T
online or drop in to talk with its professionals at the main
branch office at 151 Meeting Street, Charleston. Phone: (843)720-5168.
military, fire/police/EMS offered deal at Drayton Hall
today and continuing through Labor Day, Drayton Hall plantation
is offering free admission to teachers, members of the military,
firefights, police officers and EMS personnel. The special deal
also covers one guest.
includes extensive access to the property, a professionally guided
tour of the house, a 45-minute interactive program on African-American
life, self-guided marsh and river walks, the self-paced Voices of
Drayton Hall Interactive Landscape Tour on DVD, entrance to the
African-American cemetery, and more. No special tickets are necessary;
participants only need to present an official ID or a recent pay
stub to the gatekeeper.
will be our fourth consecutive year of offering complimentary admission
to members of the military (active duty and retired), firefighters,
police and EMS - and our fifth consecutive program of its kind for
teachers," says Kristine Morris, director of communications
for Drayton Hall. "Every year this special promotion, which
was created to recognize service to country and community, grows
in interest and participation. This summer we are looking forward
to welcoming many new and returning friends to say, 'Thank you.
Job well done.' "
Hall, a National Trust Historic Site, is located at 3380 Ashley
River Road. For hours, directions or other information, call 769-2603
or go to http://www.draytonhall.org.
Mt. Pleasant ER nurse
honored for Adopt-A-Highway work
Emergency Department nurse from East Cooper Medical Center has picked
up an award for his efforts to keep the Lowcountry clean. Jeff Hunter,
RN, was recognized with an Adopt-A-Highway Award at the annual Community
Pride Luncheon earlier this month. Community
Pride is a nonprofit organization that promotes environmental
stewardship among all citizens of Charleston County.
started as a simple healthy activity to promote his overall wellness
turned into a personal endeavor on Hunter's part to create a cleaner
and greener community. "A couple of years ago, I got on a health
kick and began to walk to work," he said. "I noticed a
ton of garbage on the road and decided to adopt a road and pick
up trash while on my way to the hospital."
adopted Bowman Road as part of the Adopt-a-Highway program. More
recently, he has adopted Mount Pleasant's Hospital Drive, where
East Cooper Medical Center is located. He will patrol both Hospital
Drive and Bowman Road for the next two years.
are very proud of Jeff and happy our community acknowledges his
efforts to beautify our neighborhoods. He also works very hard in
the emergency room, always with a smile," says Janie Sinacore-Jaberg,
CEO of the hospital. "He's a special human being, and we're
very lucky to have him as part of our family."
kitchen items to be offered at culinary group's sale
cookbooks, silver serviceware and linens will be among the offerings
at the annual Culinary Tag Sale sponsored by the Charleston chapter
of Les Dames D'Escoffier, a worldwide philanthropic society of professional
women leaders in the fields of food, fine beverages, and hospitality.
The sale, which runs from 9 a.m. to noon June 12 at the Real Estate
Gallery, 214 King St., will benefit the organization's scholarship
variety of culinary finds and handmade treats from Les Dames members
will be featured at the sale, including an array of items for the
kitchen and collectible pieces, including a vintage fondue set,
a distinctive green enamel escargot set and a wealth of great cookbooks.
In addition, attendees will have a chance to win gift certificates
or other items.
and homemade goodies will be offered for guests to enjoy while they
sale is open to the public, no tickets required. Only cash will
be accepted for purchases.
If you have a review or recommendation of a book, movie, restaurant
or local arts endeavor, please send no more than 150 words to
editor Ann Thrash.
Make sure to include your name and full contact information.
Medal of Honor
by the United States Congress in 1862, the Medal of Honor is America's
highest award for military valor. Thirty native South Carolinians
have been awarded the medal for "conspicuous gallantry and
intrepidity" above that of their comrades in arms. On rare
occasions the Medal of Honor has been awarded for individual exploits
taking place in peacetime. Among them is Shipfitter First Class
George Huber Wheeler of Charleston, who received the award for extraordinary
heroism during a fire at Coquimbo, Chile, on January 20, 1909.
first South Carolinian to receive the award during military action
was Ernest A. Garlington of Newberry, who earned the honor for "distinguished
gallantry" against the Sioux Indians at the Battle of Wounded
Knee on December 29, 1890. Early in the following century, naval
surgeon Middleton Stuart Elliott of Beaufort and Commander William
A. Moffett of Charleston each received the decoration during hostilities
against Mexican forces at Vera Cruz in April 1914.
South Carolinians were awarded the medal during World War I, including
three who made the supreme sacrifice. Six recipients were members
of the 118th Infantry, which received more Medals of Honor than
any other regiment in the American Expeditionary Forces. Among them
was Providence native Corporal James D. Heriot of the Thirtieth
Division. Heriot made a lone thirty-yard dash against a German machine
gun nest and forced the team to surrender, only to fall himself
later that day. In 1991 the sisters of Corporal Freddie Stowers
of Anderson County were presented a posthumous award for his extraordinary
courage while attempting to destroy a machine gun that had pinned
down his men during World War I. Stowers was the only African American
from the war awarded the medal.
serving in Nicaragua between the world wars, Marine Corporal Donald
L. Truesdale of Lugoff saved the lives of the members of his patrol
by shielding them from the shock of an errant grenade on April 24,
1932. During World War II five South Carolinians were awarded the
medal for courage and self-sacrifice. Marine Sergeant Robert A.
Owens of Greenville made a charge against a well-placed Japanese
gun that was wreaking havoc on American landing operations in the
Solomon Islands on November 1, 1943. His sacrifice silenced the
gun and paved the way for a successful invasion.
fighting in the Korean War, three of the four South Carolina recipients
were presented the honor posthumously. The fourth, Marine Staff
Sergeant Robert Sidney Kennemore of Greenville, miraculously survived
the blast of a grenade on which he had thrown himself to protect
his platoon. Seven native South Carolinians were awarded the Medal
of Honor during American involvement in Vietnam. The last Medal
of Honor action of the Vietnam War occurred on Halloween night 1972,
when Greenville native Petty Officer First Class Michael Edwin Thornton
saved the life of his team leader Lieutenant Thomas Norris. Thornton's
is the rare case of one Medal of Honor recipient receiving the award
for saving the life of another recipient.
Excerpted from the entry by Samuel K. Fore. To
read more about this or 2,000 other entries about South Carolina,
check out The
South Carolina Encyclopedia by USC Press. (Information used
encourage you to check out our sister publications:
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Top 5 Southern
Here are one
Southern artist's picks for the top five Southern artists of all
time. This list comes courtesy of Lese Corrigan, a local artist
who works primarily in oils. Her portraits are representational,
but she also trusts her instincts as an expressionistic realist,
she says. Corrigan is a Charleston native, owner of the Corrigan
Gallery and past president of the Charleston Fine Art Dealers'
Huger Ravenel Smith
of a hero as someone who understands the degree of responsibility
that comes with his freedom."
Dylan, American singer/songwriter (1941 - )
VS. BRACK CONTEST
-- ADOPT A DUCK
To adopt a
duck in the Charleston Duck Race and have a chance to win part of
$30,000 in cash and prizes -- and maybe $1 million -- go
to this Web site. Then complete these steps:
- Click on
the registration link and fill out the online form to adopt a
duck of your own.
- In the drop-down
menu beside "Name of Rotary Club," select "East
Cooper Breakfast" if you want to help editor Ann Thrash's
club or "Rotary Club of Charleston" for publisher Andy
- Then fill
in Ann's or Andy's name as the "Rotarian to Be Credited."
Day, Patriots Point: 9 a.m. May 31, Patriots Point Naval
& Maritime Museum's Vietnam Support Base area, Mount Pleasant.
Retired U.S. Marine Corps Col. Myron Harrington will speak on sacrifice
and help visitors honor the fallen on Memorial Day. Parking and
admission free until 9:30 a.m.
Simmons Jewelry: June 1-June 30, Johns Island Regional
Library, 3531 Maybank Highway. To honor the birthday of master blacksmith
Philip Simmons (1912-2009), jewelry from the Simmons Gift Shop will
be on display. The pieces feature designs previously created by
Simmons in wrought iron for commissioned gates. Artisans in Mexico
reproduced the sterling silver pieces by hand. The Simmons Gift
Shop is located at the home of Philip Simmons (now a museum house)
and is operated by the Philip Simmons Foundation, Inc. For more
information, visit http://www.philipsimmons.us. Also in June, the
library will be displaying prints of Simmons' ironwork by artists
Jonathan Green and John Jones. More info: 559-1945.
Naturalist Sampler: 9 a.m. to noon June 5, Palmetto Islands
County Park, Mount Pleasant. Enjoy a sample of the Master Naturalist
training program with at look at the hummock islands and salt marshes
of Palmetto Islands County Park. Learn about estuaries, ecotones,
edge biodiversity, and flora and fauna identification. Cost: $10
Charleston County residents, $12 nonresidents. Open to ages 16 and
Tea: Through June 6, St. Matthew's Lutheran Church at
Marion Square. The ninth annual tea benefits the church's Outreach
Learning Center, which provides a food bank and programs for residents
of the neighborhoods near the church. Tea sandwiches, desserts,
and music daily, plus art and a boutique. Hours: noon to 4 p.m.
Monday through Saturday, 12:30 p.m. to 4 p.m. Sundays. More
Art Tour: 4 p.m. each Thursday, Through June 24, Heyward-Washington
House, 87 Church St., downtown. Explore the art of portraiture and
satirical engravings popular with wealthy colonial Charlestonians.
The Charleston Museum's art collection at the house features portraits
by Jeremiah Theus, Samuel F.B. Morse and Henry Benbridge; later
copies by Johann Stolle and George Whiting Flagg; and original,
irreverent engravings of William Hogarth. Cost: $10 adults, $5 ages
3-12; free for Charleston Museum members. Reservations not required.
More info: 722-2996, ext. 235.
ONGOING AND SOON
and Farming Course: 6 p.m. to 9 p.m. Thursdays for nine weeks,
beginning in June. The Food and Farming Entrepreneurship Course
is offered by FastTracSC and Clemson Extension for those who are
interested in becoming food-system entrepreneurs (urban/rural farmers,
local food artisans, chefs/caterers, bakers, food media, processors,
etc.). Cost: $145. More info: email@example.com.
Annual Meeting: 11 a.m. to 1:30 p.m. June 3, Charleston
Area Convention Center. The Charleston Metro Chamber of Commerce's
annual meeting will feature a keynote address from Marco Cavazzoni,
vice president/general manager of Boeing Charleston. Updates on
the past year and the presentation of the 1773 Awards and Workplace
Flexibility Awards included as well. Cost: $55 chamber members,
$85 nonmembers. Registration/more
at the Museum: 6:30 p.m. to 8:30 p.m. June 4, Charleston
Museum, 360 Meeting St. Family-oriented event gives kids a chance
to see all the surprising things that go on at the museum after
dark. The theme is "History A to Z." Kids can enjoy curator
artifact stations, a scavenger hunt, classic cars from the Lowcountry
Model A club, medieval fighting demonstrations, and crafts. A light
pizza supper is included, and there will be an ice cream station
as well. Cost: $10 per member adult, $20 per nonmember adult, $5
per member child, $10 per nonmember child; free for age 3 and younger.
Registration (required). More
info or call 722-2996, ext. 264.
Beach Music Bash: 7 p.m. to 11 p.m. June 4, U.S. Customhouse,
corner of Market and Concord streets downtown. Free concert for
all ages featuring beach and Lowcountry-themed music and entertainment
by acts such as the Panjamdrum Steel Drummers, the Explorer's Club,
DJ Mike Hart, and Palmetto Soul. Food and drink will be available
'Celebration of a Day': 5 p.m. June 5, Gage Hall, Archdale
St. The Unitarian Church in Charleston's Chancel Choir and accompanying
musicians will take part in the Piccolo Spoleto Festival of Churches
and Synagogues. "Celebration of a Day" is a service of
music, stories, poetry and songs, compiled by church member Susan
Conant. Songs and stories from cultures around the world including
Aztec Myth, Hawaiian chant, spirituals and music for cedar flute.
Open seating; tickets not required. Free-will offering will be taken
at the door to support the restoration of the church. More info:
723-4617 or online.
Night Meal: 6 p.m. to 8 p.m. June 9, Lighthouse Church
JUVO Center, 1177 Gregorie Ferry Road, Mount Pleasant. Healing Farm
Ministries sponsors a community meal on the second Wednesday of
every month to raise awareness about the organization, which provides
a place and activities for members of the community to experience
relationships with those who have disabilities. Participants will
work together to prepare and share a meal. Open to anyone touched
by a disability or anyone who wants to learn more about HFM. More
info/registration: e-mail firstname.lastname@example.org
or call 971-9300.
Skin Cancer Screening: 9 a.m. to 1 p.m. June 12, Whirlin'
Waters Adventure Waterpark, Wannamaker County Park, North Charleston.
The Charleston County Parks and Recreation Commission and MUSC will
man a fully equipped mobile doctor's office to offer free skin cancer
screenings. The mobile unit will also visit the Isle of Palms on
July 10; it will be set up on the front beach from 9 a.m. until
1 p.m. that day. No appointments necessary. More info: 792-1414.
Class: 9:30 a.m. to 1:30 p.m. June 19, Charleston Museum,
360 Meeting St. Learn to make traditional sweetgrass baskets with
basketmaker Sarah Edwards-Hammond, who comes from a long line of
basketmakers and has passed down the tradition to her own children,
grandchildren and others in the community. The instructor will share
a brief history of the art form, then participants will get started
sewing their own basket. Workshop fee includes a starter and all
supplies. No experience required; program is designed for adults.
Cost: $40 museum members, $45 nonmembers. Registration (required):
or call 722-2996, ext. 235.
Day at Whirlin' Waters: June 19, Whirlin' Waters Adventure
Waterpark, Wannamaker County Park, North Charleston. Lowcountry
Scouts are invited to the Charleston County PRC's Ninth Annual Scouts
Day. Scouts can enjoy the water park, earn a patch on animal safety,
win prizes, and enjoy a tasty catered picnic at Luau Landing. (Patches
and catered picnic additional cost.) Lunch reservations must be
made by June 16 (on-site registration not available). Cost: $12.99
per Scout and family members. Register
online or call 795-4FUN (4386).
Tips: 11:45 a.m. to 1:15 p.m. June 24, Charleston County
Main Library, 68 Calhoun St. This month's Small Business & Nonprofit
Networking Lunch looks at the differences between blogging, blogging
professionally and having a professional blog. Presenter Heather
Solos of Home-Ec101.com will cover tips and strategies for using
a blog as part of your small business marketing strategy. Registration
is not required. More info: 805-6930.
Growth in down market
Picky Eaters Group
On Jim Fisher
Rural Mission's needs
Fish to buy
to do on 4th
to nab skeeters
the Pump, more
to do locally
guide book for kids
looks at success
SC poll flummoxes
should be state meat
to new grads
veto cigarette tax
weekend of fun
counted in Census
economy is recovering
whips up support
all of the cuts
look at summer camps
should get out
at White House
LUCASH: BUSINESS INDIGO
fair, CED venture
on working with Boeing
library text questions
+ Food fest