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X 0L0  $(  r  S d/z8` z r  S <0z8 `   z H  0޽h ? 33___PPT10i.s +D='  = @B +  0L0 0 0(   x  c $tIy8`  y x  c $LJy8  y H  0޽h ? 33___PPT10i.snȏ+D='  = @B +  0L0 @0(  x  c $Oy8P  y x  c $Py8 y H  0޽h ? 33___PPT10i.t>`+D='  = @B +  0L0 P0(  x  c $^y8P  y x  c $|Uy8` y H  0޽h ? 33___PPT10i.@we+D='  = @B +  0L0 p0(  x  c $ sy8P  y x  c $sy8 y H  0޽h ? 33___PPT10i.$%P+D='  = @B +  0L0 `0(  x  c $zy8  y x  c $T}y8  y H  0޽h ? 33___PPT10i. pE+D='  = @B +  0L0  0(   x  c $y8  y x  c $y8 @ y H  0޽h ? 33___PPT10i.&Hqb+D='  = @B +  0L0 $0(  $x $ c $y8  y x $ c $Ўy8 y H $ 0޽h ? 33___PPT10i.) \s+D='  = @B +  0L0 (0(  (x ( c $y8`  y x ( c $y8  y H ( 0޽h ? 33___PPT10i.* T+D='  = @B +  0L0 00(  0x 0 c $dy8P  y x 0 c $Шy8  y H 0 0޽h ? 33___PPT10i.+c+D='  = @B +P 0 @`(  @X @ C <46   y @ S 6y< [  y bNPaul Dennett, speaking to the Citizens Health Care Working Group on the topic,  Addressing the Growing Gap in Retiree Health Coverage, Houston, Texas, July 26, 2005.H @ 0i6Ɍ ? 3380___PPT10. 5] 0 aYD(  DX D C <46   Y D S  y< [   Problem for retiree health: declining number of Americans with retiree health coverage; increasing share of cost of coverage being born by retirees; inadequate savings by workers for retirement; inadequate savings vehicles.H D 0i6Ɍ ? 3380___PPT10. @@U 0  He(  HX H C <46   y H S y< [  y gSDeclining coverage reflects: decline in number of firms offering retiree health coverage; 66% of large firms offered retiree health in 1988; only 36% did so in 2004; and the number is sure to further decline. Larger firms still more likely to provide retiree health coverage; but new employees much less likely to be offered this coverage.H H 0i6Ɍ ? 3380___PPT10. PK 0 0L[(  LX L C <46   y L S y< [  y ]'Causes for decline: increasing costs; unfavorable accounting rules (acrued liability method that must account for all future commitments and bring this back on a present basis on the year in which it is computed; an enormous financial impact and that has affected employer behavior); caps on employer contributions to premiums (part of employers response to the mandated changes in accounting for coverage); changing ratio of retirees to active employees (baby boom); global competitiveness pressures; lack of affordable coverage in individual market.DH L 0i6Ɍ ? 3380___PPT10. eC8 0 @PH(  PX P C <46   y P S y< [  y JEmployer cost concerns: most very concerned about costs and retiree health expenses acdcount for more than of firms total health costs.T/H P 0i6Ɍ ? 3380___PPT10. P 0 =5PT(  TX T C <46   y5 T S ppy< [  y Retiree cost concerns: monthly premiums high; must pay 40% of premium expenses; 1/5 of retirees must pay all the premium; new/recent hires less likely to have retiree health as a benefit.H T 0i6Ɍ ? 3380___PPT10. Њ- 0 `X$(  XX X C <46   y X S \y< [  y &Need for stronger savings incentives and vehicles: Americans don t save enough for future needs; retiree coverage beyond Medicare ocjuld exceed $200,000; potential impact of taxes on 402(K) AND IRA funds; and HSAs have contribution limits.,IH X 0i6Ɍ ? 3380___PPT10. 0 vnp\(  \X \ C <46   yn \ S /w< [  y Improvements in Medicare: prescription drug coverage; new options under Medicare Advantage program; financial incentives for employers to maintain comparable drug coverage; and added options to employers to encourage continued retiree coverage.H \ 0i6Ɍ ? 3380___PPT10.n- 0 `=(  `X ` C <46   s  ` S s < [  s  ?Further reforms:  H ` 0i6Ɍ ? 3380___PPT10.Ţ71px| \Lfڷi#$C%)iB*Kf&M46=YBQe+lY*!"KιN~8s=>9Nn=ڑ1td&2u$X7T6HȰ{o_ <B:n0 H>mW?}'?5~13mjZk ^JH*"9%X0 0șU|H7~UA\ș]1Ѐ#f@ Ο+(Zxb| XJă5˿_ / Pr|*³,ʰ 4Zah ް/,KX>, Őkσa1!23Xa+XbM?`"OޯAo vF>M0G_?yh؁b7r (4K~e#Z?UQs.(f2T ]b$C=}>)r!GNuVxR8P\XA`1>\&YH೔- =%0i3ѯ>)$J$RO)L "`Yg /'&D_Y F$9–'dѼB(Y;@H1;O)1fnXO'1ّ5Gm1kt1pqhDq?|hYSY0VBh |.@'Uȯ/QlB͑D!b >H WOs%E^҆#$fy^Ƌ`xnuoV H:aC8L NGa>+Ủm^ǵ~X4Q(cO%yJWd.׏ pՑxQhO ޑ:D Rඬ*lEp5 B+ ٯ @묒:D*A Rb;40#R|<$hВ)30Dl *GUke&g*> _yFKo<ng:^"QVgbBH44j@ssXJ,^GF%Lc,ZыYBv Xq4q!βY8gYӽ ѧ 5`mD; ң}6zMyo LKb#IRH.=) Qa<=Z䊰I!A gt89}hT7ޓ5 IJ1ݐ%!y5)x[- j{rp%uŮ+љٸ<kF&6>\d%O(&&V @w`6 Px!GTHSSy iV2Cք!qDqJ "|ЬRVhcU#ړsxslhF/2Q@5җd Tqժxd6RYqpUŸ9*Z 欽C1nϚ`6Bg"lW< CK :4LMK41o!(ðŶR+ B4hs< CTc3X@& ~gX/6XQ^4p( aD Dh(48i1N3v th*&mH0'l-1pqrs$V4b(3XqY|@\Chl2>@܃ ƒpYg1 Q vjCgǡt6%$]L0 E|LgE-H{ -&R NZ ya#Bd0xa$b>j@0ߡ}LWZ¼R]!?.;[/T.XL|F,Ցh `AFh=:q|u1/=Y#\Sv"9QUKHJ.:%ee(̳Ä4zґ*vXh`li vH܅Iy7m]=[6ѐAnl؏wp`0Ѱw|Ń ^2v {Npt؟Aa;G>L\mpC^ihX@FXPàZłA+ d``OX {Шkbsa=ڹ`T7OB5հtfIPcPGFk&?pix_q]t-~ &c497na pLg:Efb|Fȁcr(c8ћV'n0uY lK2`~J tFx1BF@/0[v~?&@Ef_b~C4H>U¢!@:'M ٻ}*GѬ h0F"CY!}h(¹R5°v~MB(HP@37C$"6qYfa?|4;1sG N&:!P y _t ~7RtԲ%#;bi/?Jg.&t!6i}=V)Ӆ8Lh]RPN&fffVf惂0\&w*Uļ;G$&+ntE uat'Ë휃Ю( =G7ah?̀'>#. fN.CFa -6 uRpxCN0rd | ipHCChbg2Wkp1Q4~?X`" %IwPWXwwhPu5=Ryy6yĒ= .c, C4?v@"ߵOFxn ,N xf!T"l̸!@$a0l&|AT(d.f?=.^y*axbN p*DڄIRr@P2 e" Ҳ@NNC[$ڌ_dAk` I͖f)* ZZs[MM &+x!H(!8w\36.Yn͢R]c1wrIĦ針\_ \ІF.8 VwaI8H ?Pxb*4% #oJ#n`hCk=b)HݟTi|w:;DWw W@V]Ͷb0{tƩI8UJ=Ny.?%&^Djn^vuLͤΜi6P™Dpvęw8 }G:; DL7oKV/cK L_D:wY'1[pl]6ш:qqPAiB3i\8SD`2]QO!bFY'Ns M1TiWH GI)a@GqW;&ѹATJ'w˿-P!r@UU*"P?+;vQh T} a[:WڿT.P63v_ξ;v"Ps@A&-@*7Jr;6bs?4,y ԁmP$@nouϯ[ KQS"`Af  PKuouP@P2j6w=@햿vVw@~E":@$P~f]լ;P_L"P埰{71 PJJqAt].l e a4 1 e%v:'|vP6RtWP':8 8ɇPp𫹺!.}s'SoI:VDW^Vio-XMߛFlbѶVѶi_{Kc-_Mrb"|_k~q%{>غi#4FO:c9ڟcq/L'|)ջuakyh|aⳬ*_D`Zۜ)!Jkc\RĸCm2 _{b]l9> uKq΍I邈iѦ3iO)+pa0f|0yu$B,kN" W(;9ٵKW,\<|><3Ҩ}cѬ޾zuo&yVZ'=-T^mH}W{iQFfGno_5rfOzB7S;8daûC+u/ގl<~h@ϢeN8yGuiF2ΕD}8BpoIofܩsw'\*t̽:2,4_[17*TDe=>TSksoc-cnYC;cU*l܍R$ήdC7]FGLpquߦIbϐS6M͸Q-xYGen굙3O:_q[3+]QpZ{W'g\uUeF7pݗ[=NyA{z8ka3QOt}] n癗nzq-BnYճ^c|'k7F.k |}cD{̓gRs9*0yi$\ ݥxX<ص5#>LIqK`, ;&-gΔcoOhicC>ŵܚ9-ݣK׸뜷W6+ojM:A(2ӟ-ʣt橩dZ?xƽ{c/q{ >Da!t՝˫LG+-Ui߳^sLw8fN)4o׺ o! 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