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January 13th, 2014

1/13/2014

0 Comments

 
The hype with the Affordable Care Act is that it moves to preventative care and it moves people from group living in senior centers to staying in their homes.  Sounds OK if you do not see how it actually works.  As I showed last time, Obama and the ACA is privatizing Medicare and Medicaid into these state health systems, something republicans have been trying to do for years and it is the neo-liberals doing it!  The idea is that to save Medicare for the upper middle-class you have to cull off the middle and working class to do it because after all 1/2 of Medicare spending has been stolen in health institution fraud and/or spent building the NSA spy network.

I wanted to focus on just a few issues in detail to show how detrimental the ACA is not only to all citizens but especially seniors.

THE ORGANIZATIONS SHOUTING OUT FOR ACA KNEW THESE ISSUES EXISTED BUT DELIBERATELY HID THEM FROM THE PEOPLE THEY PRETENDED TO SUPPORT!

So, seniors will stay in their homes as public retirement communities and public senior buildings close.  Don't worry they say, we are training tons of home health care people to come to your home to care for you.  OH, REALLY????

What is actually happening is that the ACA funding for this is not there.....kind of like NO CHILD LEFT BEHIND being an unfunded mandate.  So, all the public health support for seniors are being closed and handed to hedge funds to operate with no money coming to make sure quality care will occur.  WE ARE BEING GHETTOIZED.  Now, seniors were hard hit with fraud from this decade of massive corporate fraud-----savings, pensions, COLA increases eliminated for Social Security-----

A DELIBERATE ATTACK BY WALL STREET ON THE WEALTH GAINED BY BABY BOOMERS WITH OBAMA AND NEO-LIBERALS MAKING SURE WE CAN NOT GET JUSTICE!  ONLY, WHEN A GOVERNMENT SUSPENDS RULE OF LAW IT SUSPENDS STATUTES OF LIMITATION...

Seniors have been deliberately left without the retirement money they worked for and as we see below, the Medicare program that had strong support services for seniors are being dismantled as public health is handed to corporations for profit.  A senior in a senior care facility run by hedge funds as is the case in Baltimore with ManorCare?  Think Charles Dickens level of care for the elderly.  One imagines they will be forced to work with the disabled on menial labor to pay their way....which by the way seniors prepaid through payroll taxes.


ALL OF MEDICARE HAS BEEN PAID BECAUSE REAGAN TRIPLED PAYROLL TAXES IN THE 1980s JUST SO THERE WOULD BE PLENTY FOR BABY BOOMERS.  BUT DID THESE CORPORATIONS PAY THEIR SHARE OF THE PAYROLL TAX?  WE KNOW THAT PAYROLL FRAUD HAS BEEN RAMPANT.

We are not against immigrants coming to America to work and we are not against vocational tracking of students into health care.  What we are against is the outrageously inadequate level of training and knowledge people being sent to homes actually have.  This is serious.  People with chronic illness, people with psychological malady......these are serious and complicated health matters that these people being trained as home health workers have not a clue.  The people doing the job are not bad.....they are often not able to do the job or not trained right.  THAT DOES NOT MATTER....THE GOAL IS GETTING THE CHEAPEST MODEL IN PLACE TO MAXIMIZE PROFIT AND LOWER MEDICARE COSTS SINCE THERE IS NO MONEY IN THE TRUST.

Who is going to age into this mess?  Well, me no doubt as I am a regular middle-class professional with average means.  Remember, neo-liberals see the middle-class right now as give and take $200,000.  These are the wage earners that will be able to afford private senior care or the private insurance that allows it.  Right now that is less than 5% of US population.  It is the working/middle class that paid the most into these Trusts and it is these same people getting axed out of care with the ACA.

One thing you see throughout the Affordable Care Act is that there will be nurses and/or nurse practitioner involved in these health businesses taking over public health....including home health care.  As the commenter above pointed out in his review of one global corporation covering senior home health.....THERE WAS NOT A NURSE IN SIGHT.  HE HAD NO MEDICAL SUPERVISOR WITH WHOM TO TALK AND I HEAR THIS IN ALL CASES OF THESE HEALTH BUSINESSES.

You can see the same with education reform by privatization ------school boards filled with business people with no education background.  IT IS DELIBERATE AND IT WILL BREAK DOWN ALL PUBLIC HEALTH PROTECTIONS AND ALL STRUCTURES DESIGNED TO PROVIDE QUALITY CONTROL AND ACCOUNTABILITY.......which is the point of the ACA.....complete deregulation of the health care industry!





Social Security and Medicare taxes

Federal Insurance Contributions Act tax Federal social insurance taxes are imposed on employers[15] and employees,[16] ordinarily consisting of a tax of 6.2% of wages up to an annual wage maximum ($110,100 in 2012) for Social Security and a tax of 1.45% of all wages for Medicare.[17] For the years 2011 and 2012, the employee's contribution had been temporarily reduced to 4.2%, while the employer's portion remained at 6.2%,[18] but Congress allowed the rate to return to 6.2% for the individual in 2013. [19] To the extent an employee's portion of the 6.2% tax exceeded the maximum by reason of multiple employers, the employee is entitled to a refundable tax credit upon filing an income tax return for the year.[20]



You know what ACA does to Medicare access? It sends most care for seniors and Medicaid to home health care corporations....guess what? Cuts take even that access away!  Actually what Medicare is set to become for most will be the same as Medicaid......MEDICAID FOR ALL SAY THE AFFORDABLE CARE ACT PEOPLE! 

Below you see an industry political piece that tries to scare people into voting against democrats because this ACA policy will gut health care.   This article is truthful as to the effect cuts in funding will have on these private health businesses for home health but as someone that does not want these businesses getting all this Medicare funding.....I do not have sympathy for money lost to this industry.  As reformers cutting cost always say to the health industry-------figure out how to do it cheaper without losing your profits.  AND SO, THE LYING, CHEATING, AND STEALING BEGINS BECAUSE THEY ARE NOW REQUIRED TO FAKE THE NUMBER OF PATIENTS AND WHAT PROCEDURES THEY RECEIVE IN ORDER TO PAD PROFITS. 

Home Health Leaders: Unprecedented Medicare Cut Endangers Millions of Seniors' Access to Home Healthcare
November 25, 2013 2:22 PM PR NewsWire



Final Rule disregards input from lawmakers, seniors' advocates, and home health community –

CMS concedes that "approximately 40 percent of providers will have negative margins in CY 2017"(1)

WASHINGTON, Nov. 25, 2013 /PRNewswire-USNewswire/ -- Home health leaders warned that the Home Health Prospective Payment System (HHPPS) Final Rule, released Friday by the Obama Administration's Centers for Medicare and Medicaid Services (CMS), will directly impact the homebound seniors and disabled Americans who are the Medicare program's most vulnerable beneficiaries and will limit their access to the clinically advanced, cost effective home health care they need.

The HHPPS proposed rule initially included a 3.5 percent annual rebasing cut to Medicare home health funding – the maximum allowable under the Affordable Care Act (ACA) – which was calculated using an incorrect base year.  While the Final Rule now uses the correct base year (2010), it maintains the maximum annual rebasing cut of 3.5 percent, thereby imposing an unprecedented total rebasing cut of 14 percent over 4 years.

"From start to finish, this is a patient care issue," said Chairman Billy Tauzin, Senior Counsel to the Partnership. "The stated purpose of the Obamacare legislation was to expand Americans' access to healthcare, but this Obamacare regulation will do the exact opposite.  Despite pleas by lawmakers, seniors and stakeholders, CMS has decided to impose unprecedented cuts to the home health services on which the nation's most vulnerable Medicare population depends.  These cuts directly impact homebound seniors in rural, minority, and underserved communities who are among the Medicare program's oldest, sickest, and poorest beneficiaries."

"Despite the concerns expressed by more than 200 bipartisan Members of Congress, leading senior advocacy organizations, and dozens of other stakeholders, CMS chose to cut Medicare home health payments to the fullest extent allowed by the ACA," added Eric Berger, CEO of the Partnership.  "On a technical basis, this rule is also deeply flawed in that required analyses were never conducted on its impact over the full 4 years in which its cuts will go into effect or on the thousands of small businesses and their employees who will be impacted by it." 

"Just as troubling, the actual nature of this Final Rule has not been accurately disclosed," continued Mr. Berger.  "Although CMS releases seem to suggest that the Final Rule provides rebasing relief, the reality is that the cut in the Final Rule is the maximum allowable under the law.  The ACA authorized the Secretary to impose an annual rebasing cut of not more than 3.5 percent of the 2010 Medicare home health standardized payment rate.  The proposed rule exceeded the law in that it incorrectly applied the 3.5 percent cut to 2013 payment rates.  By contrast, the Final Rule applies the maximum allowable 3.5 percent annual cut to 2010.  As a result, all that can be said of the Final Rule is that, by properly replacing 2013 with 2010 as the base year, it no longer exceeds the law."


                               Base Year: 2013         Base Year: 2010

Proposed Rule       3.5%              EQUALS          4.5%

Final Rule                 2.7%              EQUALS           3.5%

"While there are so many people across the country whose health care will be adversely affected by this Final Rule, we are deeply thankful to the many lawmakers who devoted so much of their time and energy in an effort to protect Medicare home health beneficiaries," Mr. Berger added.  "They and the vulnerable Medicare beneficiaries they valiantly serve deserve better than this regulation."

Since the proposed rule was released, tens of thousands of patients, family members, providers, advocates, and state associations have cautioned the Administration that these cuts go too far and will have severe implications on the delivery of skilled home healthcare.  Extensive action was undertaken, including data and policy analyses, grassroots engagement, and extensive direct dialogue.  In addition, letters were filed by leading advocates including AARP, the American Hospital Association (AHA), the National Association of Home Care and Hospice (NAHC), the Visiting Nurses Association of America (VNAA) and many other stakeholders, all of whom expressed concern that the proposed cuts would negatively impact homebound seniors who depend on home health.

"The extraordinary cuts announced on Friday are alarming, especially in light of the deep cuts that Medicare home health has already suffered in recent years," added Senator John Breaux, Senior Counsel to the Partnership.  "Even before these latest cuts, funding for Medicare home health services had been reduced by more than $72 billion since 2009.  When factoring in these additional cuts, two of the nation's leading health care consulting firms – Avalere Health and Dobson|DaVanzo Associates – project that the home health delivery systems in nearly every State will experience net losses by 2017, which greatly jeopardizes seniors' access to high-quality, low-cost home healthcare.  In fact, even CMS concedes – on page 117 of the HHPPS Final Rule – that 'approximately 40 percent of providers will have negative margins in CY 2017' and that more than 8-in-10 of these providers are already experiencing negative margins as a result of pre-existing cuts!  For these reasons, we strongly urge decision makers to protect homebound seniors from this regulation and any further cuts in the weeks and months ahead."

"The fact that this extreme regulation is a result of Obamacare means it cannot help but have political in addition to access implications," concluded Chairman Tauzin.  "The Medicare cuts in the 2010 Obamacare bill angered seniors so much that voters over age 65 helped give Republicans control of the U.S. House in the President's first midterm elections.  These newest Medicare cuts, coming right out of Obamacare, could now put the Democrats' Senate majority in jeopardy when senior voters cast their ballots next November.  Both Democratic and Republican leaders tried to stop the White House from issuing this unprecedented cut, and both were ignored.  Three and a half million seniors depend on home health, they vote, and they are not likely to take these cuts lying down." 


With an estimated 10,000 American seniors entering the Medicare program every day, the Medicare home health benefit is widely recognized as a clinically advanced, cost-effective and patient preferred means for meeting the post-acute and long-term care needs of this rapidly growing patient population. Medicare home health services are delivered to approximately 3.5 million Medicare beneficiaries, who are documented as being more likely to be poor, old, sick, and minority than the Medicare beneficiary population as whole.  In light of its importance to millions of seniors and their families, the Medicare home health sector has been one of the nation's leading creators of new jobs according to the Bureau of Labor Statistics.


_______________________________________________
As we see below a decade ago it was revealed that this growing industry was not functioning properly, had no oversight, and no public transparency.  Now, Baltimore and Maryland are 10 times worse than California in all these regards so one can imagine what this industry looks like in Maryland.  We have had our entire public sector health dismantled and handed to private non-profits run by health corporations.

As you see below this business system mirrors the lack of oversight, the fraud and corruption as all US business sectors only now it is public health.  I want to emphasize that because Maryland has no media reporting or investigation in all of this it is safe to conclude that what is happening here is happening in Maryland only more than likely worse.  Remember, Maryland has a waver from Medicare in oversight and that compounds the abuse.  See why Maryland has reduced Medicare spending?

------PEOPLE ARE DYING FROM NAKED CAPITALISM

I want to emphasize that these problems have not been addressed....they are worse!

Publicize Home Care Problems, Critics Say / Complaints about health providers hard to dig out

Janet Wells, Chronicle Staff Writer Published 4:00 am, Wednesday, May 24, 2000



In the wake of revelations about problems at Kaiser Oakland's home health program, consumer advocates are decrying the failure of state and federal agencies to inform the public about serious deficiencies among home health care providers.

The state Department of Health Services performs scores of investigations each year that reveal numerous problems. Yet the agency has no mechanism or requirement for public disclosure of its findings.

Such is the case even when violations are serious enough to put patients in "immediate jeopardy," as the state recently found was occurring at Kaiser.

"The fact is we have these problems, and there's no venue for reporting them," said Celi Adams, founder of Home Care Companions, a San Francisco-based group that trains people to provide home care for seriously ill relatives and friends.

"Nobody has the responsibility to put it out there, and it absolutely would be helpful to publish once a year what the complaints were, or the 10 worst home health agencies in the state."

Daniel Zingale, the interim head of the state's new Department of Managed Care, which will oversee health maintenance organizations starting July 1, agrees. He plans to issue a report on managed care with "easily accessible" information about state violations.

"There's definitely a need for more and better information being made available to the public," said Zingale, whose department is scheduled to take over much of the health care oversight responsibility of the Department of Corporations.

"Shining a spotlight on the strength and failings of managed care plans may be the best tool we have to ensure the quality of care they deliver," he said.

In Kaiser's case, the state investigation revealed problems so serious that they contributed to the death of one elderly patient from malnutrition, septic shock and deeply infected bed sores. Kaiser was given 23 days to fix the worst problems; it is now in compliance.

Although state reports on home health care providers are public record, it takes determination to dig one out.


The state performed almost 100 full surveys of the 944 home care providers last year, in addition to documenting investigations into 400 complaints.

A consumer seeking information about a particular home health agency must first determine which of the 13 state licensing and certification districts investigated it and then go to the district office in person to request the documentation.

But before the survey or complaint investigation is public record, the home health agency has up to several months to file a plan of correction and implement improvements.

After a brief follow-up visit by state evaluators to verify that changes are in place, the home health agency is left to monitor its own progress.

"It's all handled internally," Adams noted. "The public is not informed, and then it's a done deal. As a consumer, I want to know what's going on."


The idea is not to punish home health agencies, said Department of Health Services spokeswoman Lea Brooks. "You try to do everything you can to get the operator to comply."

Home health agencies have been sorely squeezed in recent years, facing severe staffing shortages, increased regulatory requirements and, since 1997, a 45 percent cut in reimbursement from Medicare, which pays for almost 80 percent of home health visits in California, according to state records.

Almost 300 agencies in California have closed in the last three years, mostly due to the deep cuts in Medicare reimbursement, said Connie Little, senior vice president of the California Association for Health Services at Home, an industry group representing 500 agencies.

Little pointed out that consumers have access to information on home health agencies from the Joint Commission on Accreditation of Healthcare Organizations, whose Web site is www.jcaho.org. The Illinois-based group has accredited 6,000 home health agencies nationwide, but participation in the accreditation survey process is voluntary and does not have the same focus -- or impact -- as a regulatory agency survey.

Little questioned whether consumers would benefit from public disclosure requirements in the home heath care industry. "If you're going for a regulatory fix, you get more regulations," she said. "I don't know if it increases the quality of care."


_____________________________________________
Below you see a good description of what conditions have to be met before you can qualify for home health care.  Time and again I hear from people who need the service desperately they cannot qualify for Medicare help and the cost is prohibitive.  So, if the only option for seniors needing a support system to age into is home health and they have written the laws so that getting that help is not easily available what happens to seniors?

They fall prey to the worst of private companies that act as the 'safety net' that once were public run institutions.  Mind you, state run senior care has always been the pits......but being a public institutions there was the ability to hold the institution accountable for public interest.  In this reform, people will be tracked into these private care facilities given no oversight and transparency and making it hard for families to get justice for bad care.

THIS IS WHAT NAKED CAPITALISM AND HEALTH CARE LOOK LIKE AND IT WILL NOT BE PRETTY!



When the Medicare home health benefit pays for home health care

Section IV.g. Home Health Care Benefit (Part A and B)Question 1 of 10 (use "Last" or "Next" buttons to see more) Return to referring page

Medicare will help pay for your home care if all four of the following are true:

1. You are considered homebound. Medicare considers you homebound if you meet the following criteria:  

  • You need the help of another person or special equipment (walker, wheelchair, crutches, etc.) to leave your home or your doctor believes that leaving your home would be harmful to your health; and
  • It is difficult for you to leave your home and you typically cannot do so.
2. You need skilled care. This includes skilled nursing care on an intermittent basis. Intermittent means you need care little as once every 60 days to as much as once a day for three weeks (this period can be longer if you need more care but your need for more care must be predictable and finite). This can also mean you need skilled therapy services. Skilled therapy services can be physical, speech or occupational therapy;*

3. Your doctor signs a home health certification stating that you qualify for Medicare home care because you are homebound and need intermittent skilled care. The certification must also say that a plan of care has been made for you, and that a doctor regularly reviews it. Usually, the certification and plan of care are combined in one form that is signed by your doctor and submitted to Medicare. 

  • As part of the certification, doctors must also confirm that they (or certain other providers, such as nurse practitioners) have had a face-to-face meeting with you related to the main reason you need home care within 90 days of starting to receive home health care or within 30 days after you have already started receiving home health care. Your doctor must specifically state that the face-to-face meeting confirmed that you are homebound and qualify for intermittent skilled care.
  • The face-to-face encounter can also be done through telehealth. In certain areas, Medicare will cover examinations done for you in specific places (doctors offices, hospitals, health clinics, skilled nursing facilities) through the use of telecommunications (such as video conferencing). 
4. You receive your care from a Medicare-certified home health agency (HHA).

*If you only need occupational therapy, you will not qualify for the Medicare home health benefit. However, if you qualify for Medicare coverage of home health care on another basis, you can also get occupational therapy. Even when your other needs for Medicare home health end, you should still be able to get occupational therapy under the Medicare home health benefit if you continue to need it.

If you have questions about billing issues for home health care you should contact 800-MEDICARE.

____________________________________________
A GLOBAL FRANCHISE CARING FOR OUR SENIORS.....HOW SPECIAL!!!!  Carlyle hedge fund has Baltimore's ManorCare!

A global leader in non-medical in-home senior care, the Home Instead Senior Care Network® has more than 900 international franchise businesses in operation, with key Home Instead Master Franchise markets still available worldwide.

Instead of worry, there's Home Instead®

The 85-and-older population is expected to more than triple between 2008 and 2050 in the United States alone. This staggering statistic not only proves the growing need for elderly home care, but also the fact that thousands of families are facing the same critical decision as you. You are absolutely not alone.

Since 1994, the Home Instead Senior Care® franchise network has been devoted to providing the highest-quality senior home care. Compassionate Home Instead CAREGiversSM are an invaluable resource in helping families eliminate worry, reduce stress and reestablish personal freedom. From Alzheimer's and dementia support to respite care and companionship, our more than 900 locally owned and operated offices are ready to help you through this difficult time.


Below you see a review written by a former employee.  Not surprising he recommends using smaller, local care as there is no consumer interest in this global corporate home health chain.  Sound familiar?  If you think this is bad for a cell phone business wait until it becomes life and death!

THAT'S THE WAY NEO-LIBERALS ROLL!!!

Exploiting health care workers and giving no attention to consumer communications----

Consumer Affairs
Consumer Complaints & Reviews


sally of St Paul, MN on Dec. 31, 2013

Satisfaction Rating1/5I worked at H. I. and also at another agency (where I am very happy). Home Instead doesn't pay well, but I really enjoyed my clients and have a much larger appreciation for seniors after working for them...I have reservations about them:

First, Home Instead doesn't have any nurses on staff just a million managers and supervisors who I have NEVER met who are constantly calling and emailing me. It's run very business-like not AT ALL personal. They are very micro managerial which is why I've wanted to leave and why I already have another job. They are over, over, overstaffed by people to over yet under manage the caregivers. When there is a problem, there is NO ONE to help- the "on call supervisor" is a joke- has never ever met the clients and is paid to basically answer the phone (I'm sure she calls in her hours on time which is probably why she's still there) but if you make a mistake 5 people you've never met to pound on you and tell you what you should have done...very corporate, over managed and under effective. Never met the owner.

The other company however, I have met the owner, nurses and the few staff. They are effective and staff manage themselves and know who to contact and know things will be handled promptly and effectively. The nurses actually are familiar with the clients, their meds, home, etc and are a phone call away. The small staff actually work TOGETHER cooperatively as an actual CARE TEAM (medical model) instead of destructively at each other (corporate model). I'd recommend a small independently run non-chain agency over an indifferent corporate business. As a CNA, almost-nurse and caregiver I feel for better care for your family go with a small, independent medically minded agency. It's better for both the client and caregiver. I also think that clients' family want a caregiver that is treated well.

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One thing you see throughout the Affordable Care Act is that there will be nurses and/or nurse practitioner involved in these health businesses taking over public health....including home health care.  As the commenter above pointed out in his review of one global corporation covering senior home health.....THERE WAS NOT A NURSE IN SIGHT.  HE HAD NO MEDICAL SUPERVISOR WITH WHOM TO TALK AND I HEAR THIS IN ALL CASES OF THESE HEALTH BUSINESSES.

You can see the same with education reform by privatization ------school boards filled with business people with no education background.  IT IS DELIBERATE AND IT WILL BREAK DOWN ALL PUBLIC HEALTH PROTECTIONS AND ALL STRUCTURES DESIGNED TO PROVIDE QUALITY CONTROL AND ACCOUNTABILITY.......which is the point of the ACA.....complete deregulation of the health care industry!


BELOW IS A REALLY, REALLY LONG REAL ACADEMIC STUDY THAT ADDRESSES THE NEED FOR NURSES IN SENIOR CARE CENTERS.  IT CLEARLY SHOWS THAT TAKING THESE NURSES OUT....ESPECIALLY COMPLETELY WILL BE HARMFUL.


Health Serv Res. 2004 April; 39(2): 225–250. doi:  10.1111/j.1475-6773.2004.00225.xPMCID: PMC1361005

Relationship of Nursing Home Staffing to Quality of Care

John F Schnelle, Sandra F Simmons, Charlene Harrington, Mary Cadogan, Emily Garcia, and Barbara M Bates-Jensen

To compare nursing homes (NHs) that report different staffing statistics on quality of care.

Data SourcesStaffing information generated by California NHs on state cost reports and during onsite interviews. Data independently collected by research staff describing quality of care related to 27 care processes.

Study DesignTwo groups of NHs (n=21) that reported significantly different and stable staffing data from all data sources were compared on quality of care measures.

Data CollectionDirect observation, resident and staff interview, and chart abstraction methods.

Principal FindingsStaff in the highest staffed homes (n=6), according to state cost reports, reported significantly lower resident care loads during onsite interviews across day and evening shifts (7.6 residents per nurse aide [NA]) compared to the remaining homes that reported between 9 to 10 residents per NA (n=15). The highest-staffed homes performed significantly better on 13 of 16 care processes implemented by NAs compared to lower-staffed homes.

ConclusionThe highest-staffed NHs reported significantly lower resident care loads on all staffing reports and provided better care than all other homes.

Keywords: Staffing, quality of careNursing home (NH) staffing resources necessary to provide care consistent with regulatory guidelines are the subject of national debate due to emerging evidence that existing staffing resources may not be adequate (U.S. Department of Health and Human Services 2000b). One recent study for the Centers for Medicare and Medicaid Services (CMS) reported that 4.1 mean total (nursing aides [NAs] plus licensed nurses) direct care hours per resident per day (hprd) and 1.3 licensed nurse hprd (.75 for registered nurses [RNs] and .55 for licensed vocational nurses [LVNs]) were the minimum staffing levels associated with a lower probability of poor resident outcomes, such as weight loss and pressure ulcers (Kramer and Fish 2001). This study is supported by other correlational data documenting a relationship between staffing (particularly RNs) and a variety of outcomes, including: lower death rates, higher rates of discharges to home, improved functional outcomes, fewer pressure ulcers, fewer urinary tract infections, lower urinary catheter use, and less antibiotic use (Linn, Gurel, and Linn 1977; Nyman 1988; Munroe 1990; Cherry 1991; Spector and Takada 1991; Aaronson, Zinn, and Rosko 1994; Bliesmer et al. 1998; Harrington et al. 2000; U.S. Department of Health and Human Services 2000b). Few studies have specifically examined the relationship between staffing and the implementation of daily care processes, but inadequate staffing has been associated with inadequate feeding assistance during meals, poor skin care, lower activity participation, and less toileting assistance (Spector and Takada 1991; Kayser-Jones 1996, 1997; Kayser-Jones and Schell 1997). The results of these correlational studies led two Institute of Medicine committees to recommend higher nurse staffing in nursing facilities, including 24-hour registered nursing care (Wunderlich, Sloan, and Davis 1996; Wunderlich and Kohler 2001;). An expert panel recommended even higher minimum staffing levels (4.55 hprd including 1.85 licensed nurse hprd) (Harrington et al. 2000). However, neither the correlational studies nor the CMS study directly measured specific care processes that may be better implemented in higher staffed homes and that could explain the effects on resident outcomes.

A second study conducted for CMS focused on this care process implementation issue (Schnelle, Simmons, and Cretin 2001). This study used staff time estimates in computerized simulations to predict the nursing assistant (NA) staffing ratios necessary to provide care recommended in regulatory guidelines. Care processes related to incontinence care, feeding assistance, exercise, and activities of daily living (ADL) independence enhancement (e.g., dressing), all of which are typically implemented by NAs, were included in the simulation. The results of this study showed that 2.8 to 3.2 NA hprd, depending on the acuity level of the NH population, were necessary to consistently provide all of these daily care processes. The NA staffing levels reported in this process-focused study are similar to those recommended by one expert consensus panel who also attempted to identify the labor requirements to implement key care processes, such as feeding assistance (Harrington, Kovner et al. 2000). Unfortunately, 92 percent of the nation's NHs report staffing levels below the staffing minimums identified by the expert panel as well as the two recent CMS studies, and more than 50 percent of NHs would have to double current staffing levels to meet these minimums (U.S. Department of Health and Human Services 2000a).

The fact that so many NHs report staffing levels below this minimum has led to recent efforts to develop staffing indicators so that long-term care consumers can make informed judgements about the adequacy of NH staffing within a facility. However, neither the simulated staffing predictions nor the expert consensus recommendations have been subjected to a field test evaluation. Based on the simulation predictions, one would hypothesize that higher staffed NHs would be better able to provide labor-intense daily care activities, such as feeding assistance, toileting assistance, repositioning, and exercise care. More specifically, it would be predicted that homes that report 2.8 to 3.2 NA hprd would perform significantly better than all other homes in the implementation of these daily care processes. The purpose of this study was to address this issue by describing the relationship between staffing levels in 21 NHs and directly measured processes of care that are both labor intense and recommended in NH regulatory guidelines. The primary question addressed in this study was: Is there a relationship between staffing, as separately reported by NH administrators and NAs, and the implementation of daily care processes that reflect quality of care?

Go to:MethodsSubjects and SettingRecruitment of homes was accomplished in two phases (Figure 1). In phase one, 175 homes were identified in the southern California region as being in the upper 75th percentile or lower 25th percentile according to staffing data reported by NH administrators in 1999 to the State of California (California Office of Statewide Health Planning and Development 2002). Mean total direct hprd was used to determine each home's percentile rank. Thirty homes agreed to participate (15 in each of the extreme quartiles). However, only 17 of the 30 homes remained in the same quartile according to state staffing data reported in the year 2000 (9 lower quartile; 8 upper quartile). In addition, six of the eight homes in the upper quartile in both years (stable homes) reported a decrease in staffing in 2000 (4.0 hours to 3.4 hours) with all six homes clustered at 3.4 direct care hprd. The two remaining homes in the upper quartile were more stable and reported 3.7 and 5.1 direct care hprd in 2000. Furthermore, NAs in these two higher staffed homes also reported significantly lower resident care loads on interview in the year 2001 when compared to homes in the remaining upper quartile, as will be reported later. Thus, homes were initially divided into the following three categories for analytical comparisons: nine homes that reported an average of 2.7 hprd in both 1999 and 2000 (Group 1: lower quartile homes), six homes that reported 3.4 hprd in both 1999 and 2000 (Group 2: upper quartile homes), and two homes that reported an average of 4.9 hprd in both 1999 and 2000 (Group 3: upper-decile homes).

Figure 1Flow of Participants through TrialBecause of the potential importance of the upper-decile homes, Phase 2 was initiated to recruit additional homes in the 91st to 100th percentile (upper decile) following the completion of data analyses for Phase 1 homes. Research staff was blind to the staffing percentile ranking for each home during the data collection and analyses for Phase 1 but not in Phase 2 (see Figure 1). In Phase 2, 47 homes in the Southern California region were identified as being in the upper decile according to 2000 state staffing data. These homes also had small (<10 percent) Medicare populations because large Medicare populations can inflate staffing levels for the long-term care portion of the NH. Four homes were recruited that reported staffing levels above 3.8 total hprd in the year 2000 (upper decile) for a predominantly long-term care population.

Thus, a total of 21 homes were studied across the two phases. Residents who were long stay (not covered by Medicare) were eligible for participation, and resident recruitment occurred over two weeks within each home. The number of participants and consent rates are illustrated in Figure 1. Onsite data collection both to assess quality of care and to confirm state staffing reports with NH staff interviews occurred over three consecutive days and were conducted from June 2001 to September 2002. State cost report staffing data were not available for the year 2001.

Staff Interviews: Accuracy of State Staffing Reports To check the accuracy of year 2000 staffing statistics reported by NH administrators to the state and also to update these statistics, research staff conducted interviews with 118 NAs who worked on the 7 a.m. to 3 p.m. and 3 p.m. to 11 p.m. shifts during onsite data collection in 2001–2002. The NAs were asked “How many residents are you responsible for today?” and “Are you working ‘short’?” Administrators were also asked to report the number of NAs, LVNs, and RNs that were usually scheduled during the time period that onsite data collection was being completed. These data were converted into staffing hours per resident day by assuming that a full-time staff member worked 7.5 hours and dividing staffing hours by the number of occupied beds in the facility. Even though these staffing data were not collected according to the same specific definitions used for the state reporting system, it does represent a more current staffing estimate. Independent checks of time cards to validate staffing statistics were not possible because it would have required consent from each NH staff member in the facility. The onsite staffing reports were not regarded as more or less accurate than the state staffing reports, only more timely. The agreement between the different staffing data sources was considered an important estimate of data accuracy.

Measurement DomainsSixteen care processes typically implemented by NAs were measured by research staff using standardized direct observation and resident interview protocols during three consecutive 12-hour weekdays in each NH. The care process measures relevant to NA job performance can be divided into four major domains: out of bed/social engagement; feeding assistance; incontinence care; exercise and repositioning. Each of these NA care process measures can be defended as representing “good practice” and should be sensitive to differential NA staffing between homes because most of these care processes are also labor intense to implement.

All participants were observed with at least one of three different observational protocols (described below), but subgroups of participants were selected for interview. Participants with an MDS recall score of two or greater were asked questions about the occurrence of specific care processes (e.g., How often do you receive walking or toileting assistance?) because a recent study showed that residents who meet this interview selection criterion are able to accurately describe the care they receive (Simmons and Schnelle 2001). However, all participants were asked more general questions about the quality of assistance (e.g., Do you have to wait too long?) because there is evidence that residents who are capable of completing an interview can provide stable responses to these types of questions. Eleven care process measures related primarily to licensed nurse staff performance (e.g., pressure ulcer risk assessment) were evaluated based primarily on medical record review, with the exception of two resident interview measures, using standardized protocols.

Out of Bed and Engagement: Observations To assess participants' time spent in bed and social engagement during the day research staff observed participants for one 12-hour day (7 a.m. to 7 p.m.). The time-sampling protocol involved locating each participant every hour between 7 a.m. and 7 p.m. and observing the resident for up to one minute. Engagement was defined as interaction with either a staff member, a resident, or another person; an organized group activity; or with an object (e.g., television, reading, sewing). These two measures (out-of-bed time and engagement) are related to staffing levels, because assisting residents out of bed is labor intense since it occurs during the morning or evening periods when there are numerous competing activities (e.g., breakfast) and the resident must be dressed or groomed at the same time. There is evidence that NH residents spend excessive times in bed (Schnelle et al. 1998). It was also hypothesized that staff in high-staffed homes would have more time either to interact with or encourage residents to participate in activities during the day. Social interaction with and prompting residents to participate in activities are not necessarily labor intensive but are optional care activities that may not occur if staff are rushed to provide more mandatory physical care (e.g., providing feeding assistance to residents).

Feeding Assistance: Observation and Interview Measures Seven measures related to the quality of feeding assistance care were measured using direct, continuous (not time-sampled) observations during meals in which one staff member observed six to eight participants. All feeding assistance measures were assessed regardless of dining location (dining room versus room), with the exception of social interaction and verbal prompting during meals. The percent of social interaction or verbal prompts during meals was designed to assess the quality of feeding assistance, and interaction was counted if at least one minute of social interaction or verbal prompting occurred between the resident and the NH staff. Social interaction during meals has been related to increased food intake, and even the most cognitively impaired resident should receive some verbal prompts and social interaction during meals as opposed to physical assistance rendered in silence. The development, rationale, and scoring rules for all feeding assistance care process measures have been described elsewhere (Simmons et al. 2002). Brief descriptions of a few measures are provided here. Two measures were related to determining if a resident who is at risk for weight loss due to either low oral food and fluid intake or physical dependency on staff for eating, received at least a minimal amount of staff assistance during meals. Participants were considered to “pass” the first care process measure if they ate less than 50 percent of their meal but still received more than one minute of staff assistance. The logic of this indicator is that residents with intake below 50 percent are at risk for weight loss, and staff should try to provide assistance to these residents. If a resident ate less than 50 percent and received less than one minute of staff attention, it is not possible to separate poor assistance from other explanations for the poor eating. Participants were considered to pass the second care process measure if they were rated as physically dependent on the MDS and received more than five minutes of assistance. A measure relating to the accuracy of NH staff documentation of residents' oral food and fluid intake during meals and, thus, the ability of staff to identify residents with potentially problematic intake was also assessed. A participant passed this care process measure if he or she was observed by research staff to eat less than 50 percent of their meal and NH staff recorded less than 60 percent. Low intake is associated with weight loss and accurately identifying this problem is a logical prerequisite for prevention. Participants who had an MDS recall score of two or greater were also asked one interview question related to the NH food service, “If you don't like the food served at a particular meal, can you get something else?”

It was hypothesized that feeding assistance would be significantly associated with staffing levels because it is labor intense to provide this daily care process for all residents who need it. Both the simulation predictions conducted for the CMS study and one expert consensus panel predicted that a NA staffing ratio of two to five residents per NA is necessary to provide adequate feeding assistance care (Harrington, Kovner et al. 2000; Schnelle, Simmons, and Cretin 2001).

Incontinence Care: Interview Measures Incontinent participants, according to the most recent MDS assessment, with MDS recall scores of two or greater were asked how often they received toileting assistance, and all incontinent residents who responded to the interview questions were asked the more general question, “Do you have to wait too long for assistance?”

Exercise and Repositioning: Observation and Interview Measures Observational data relevant to participants' physical movements were obtained from a wireless monitor worn on the thigh that measures horizontal and vertical orientation every four seconds. Preliminary research showed that repositioning movements in bed were characterized by the monitor recording a minimum 40° move in the horizontal position followed by maintenance of at least a 20° change in the horizontal position and at least two 40° vertical changes when repositioning occurred in a chair. The monitor also enabled the detection of physical activities that involved sustained participant movement for at least six minutes and, thus, could possibly reflect an episode of exercise care. Because exercise (e.g., walking assistance) could not be discriminated from care processes that involved movement for other reasons (e.g., incontinence care), all participant movements that were sustained for at least six minutes were characterized as “activity episodes” possibly related to exercise. The thigh monitor was used because preliminary data indicated that any observational schedule feasible for a human observer to implement with more than three residents would underestimate the frequency of care episodes, such as walking and repositioning, that occur less than every two hours and are relatively brief in duration.

Two movement measures were calculated from thigh monitor data. First, the number of repositioning episodes per hour was calculated for participants who were noted in the medical record as being on a two-hour repositioning program and who could not reposition themselves independently according to a performance test conducted by research staff. In this test, participants who were unable to move from side to side unless they received physical assistance were considered dependent on staff for repositioning. Next, the number of activity episodes per hour was calculated for each of the above participants to determine whether there were differences between high- and low-staffed homes in the provision of care processes that could be interpreted as exercise.

Finally, all participants with MDS recall scores of two or greater and who were in need of walking assistance were asked how many walking assists they received per day. The participants' need for walking assistance was determined during a performance test conducted by research staff in which participants were asked to stand and walk and provided graduated levels of assistance to do so. Participants who were unable to stand and bear weight, even if provided full physical assistance by research staff, were excluded from this analysis. It was hypothesized that higher-staffed homes would be more likely to consistently provide exercise, repositioning, and walking assistance to participants because all of these care processes are labor intensive.

Medical Record Review: Licensed Nurse Measures Descriptive information for all participants was collected from the medical record and the most recent MDS or the annual assessment for some items. A trained physician or geriatric nurse practitioner conducted medical record reviews to assess care processes related to licensed nurse activities. It was hypothesized that licensed nurses in homes with higher staffing would perform better at assessment of conditions typically managed by nurses, as opposed to primary care providers, than licensed nurses in homes with lower staffing.

Eight of the licensed nurse care process measures used in this study are derived from the RAND Assessing the Care of Vulnerable Elderly (ACOVE) project. The quality indicators in the ACOVE project were operationalized with specific scoring rules and data sources identified for rating each indicator. The methodology used to develop the ACOVE indicators and the evidence that supports their validity has been reported elsewhere (Wenger and Shekelle 2001; Shekelle et al. 2001; Saliba and Schnelle 2002). Eight care processes from the set of ACOVE quality indicators most relevant to licensed nurse performance were identified by a geriatric nurse practitioner and clinical nurse specialist who covered three care areas: pressure ulcer, incontinence assessment, and pain. In addition, three care processes that were not specific ACOVE indicators were identified that evaluated how well nurses either assessed pain or provided medications to residents with chronic pain.

The ACOVE indicators are relatively self-explanatory even though it should be noted that liberal scoring rules were used to determine if a participant's medical record documentation met the pass criteria for each indicator. For example, in regard to incontinence Indicator 5, a medical record was considered to have fulfilled the intent of this indicator if documentation was provided for just two of the three conditions (e.g., skin health, genital system examination, fecal impaction assessment). The measures used to assess how well nurses were detecting and treating pain requires more explanation.

Three interview measures were used to evaluate licensed nurse performance relevant to pain. Research staff attempted to interview all participants with MDS recall scores of two or above with a set of six questions about pain. Two questions were related to communication between the licensed nurse and the resident regarding pain, “Do you tell the nurse about your pain?” and “Does the nurse ask you about pain?” We report data on the latter question and hypothesized that licensed nurses in higher-staffed homes would ask participants about pain more frequently than nurses in lower-staffed homes. Directly taking a proactive approach and asking residents about pain was considered better care than the more passive approach of simply reacting when a resident spontaneously complains of pain.

The four remaining pain questions were used to identify participants with chronic pain symptoms. Participants were asked: “Do you have pain every day?”; “Does pain ever keep you from doing things you enjoy (like social activities, walking)?”; “Does pain ever keep you from sleeping at night?”; and “Do you have pain right now?” Participants were judged as endorsing chronic pain if they responded “yes” to the question, “Do you have pain everyday?” or if they responded “yes” to all three remaining pain questions. To assess how well licensed nurses were detecting pain we determined the percent of participants who were judged as having chronic pain according to research staff interview who also had licensed nurse documentation of pain on the most recent MDS assessment. We also assessed licensed nurse performance relevant to management of chronic pain. First, we identified a subgroup of participants who had chronic pain according to research staff interviews. Then we determined the percent of this subgroup of participants who were offered pain medication by the licensed nurse at least 50 percent of the days in the previous month. We believed that licensed nurses in higher staffed homes would both detect chronic pain symptoms and offer as needed pain medication more frequently than licensed nurses in lower staffed homes.

Reliability and Stability Interrater reliability for time in bed and engagement observational measures was statistically significant for both measures but high only for the in-bed measures (measures 1 and 2, Table 3; kappa values .65 and .29; p<.001). A subset of 272 participants was observed for a second day on these measures to evaluate stability. The Pearson correlation was .79 for in-bed and .47 for engagement (p<.05). Interrater reliability for all observational-based feeding assistance care process measures shown in Table 3 (measures 3 to 10) ranged from .92 to 1.0; n=55 to 199; p<.001. Mealtime observations were repeated on a second day for all participants and correlations between the two days were significant on all variables (range .22 to .75; p<.05) with social interaction and verbal prompting measures showing the lowest but still significant correlations. The low correlation for this social interaction variable was due to the relatively low frequency that this behavior was observed. Correlations for all the other nutritional measures were above .60. Correlation between a resident's reported having received toileting assistance on two separate days (measure 11, Table 3) was .62; p<.01. The interrater agreement for the interpretation of thigh monitor data necessary to calculate exercise care process measures (measures 13, 14, 15) produced kappa statistics of .61 for repositioning movements, .82 for activity episodes while in a chair, and .75 for activity episodes while in bed. The correlation of a participant's report of walking assistance (measure 16) between two days was calculated for 38 residents (day 1 number of assists reported versus day 2 number of assists reported; r=.35, p<.05).

Table 3Observation and Interview Measurement DomainsGo to:ResultsCharacteristics of Participants in Key Comparison GroupsTable 1 shows the demographic characteristics of the participants in each group of homes. There were significant differences between participants in all three groups (Table 1). In particular, participants in the upper-decile homes were significantly more likely to be female, older, private pay, and Caucasian when compared to participants in all the other homes; while participants in the lower quartile homes were significantly more likely to be minority and MediCal. In terms of participant acuity, participants in the lower quartile homes (Group 1) tended to be more independent for transfer and feeding assistance and had better cognitive functioning (MDS recall scores) when compared to participants in both the 75th to 90th percentile (Group 2) and upper-decile homes (Group 3). There was no difference on five MDS based acuity measures (recall, transfer and eating dependency, incontinence, pressure ulcer RAP triggered) when comparisons were made between residents in the highest-staffed homes (upper decile) and those in the two lower-staffed homes (combined Groups 1 and 2 versus Group 3).

Table 1Facility and Demographic Characteristics of Participants in Sample Nursing HomesTo address generalizability issues, efforts were made to determine if differences existed between 9 highest-staffed and 45 lower-staffed homes that declined participation in this project and the 6 highest-staffed and 15 lower-staffed homes that participated. The homes that declined participation and the homes that participated were compared on MDS-derived measures of prevalence of weight loss, physical restraint use, and residents' need for assistance with transfer, eating, and toileting characteristics, all of which are available from a new public reporting system in California (http://www.calnhs.org). In addition, data were available describing homes' profit status, total nursing staff hours, nursing staff turnover, total federal deficiencies cited for 2001–2002, and expenditures for direct resident care per resident day. The only difference between participating lower-staffed homes and nonparticipating lower-staffed homes was on the expenditures per resident per day ($59 versus $68, respectively; t=2.115, p=.04). The only difference between participating and nonparticipating highest-staffed homes was on for-profit status of the home (33 percent versus 100 percent, χ2=8.182, p=.004). These results should be cautiously interpreted but in general suggest that the homes participating in this project comprise a relatively typical sample.

Sample Characteristics: Staffing DataTable 2 illustrates the staffing data for the three groups of NHs. The first eight rows alternatively illustrate state staffing statistics for the year 2000 and onsite staffing data reported by administrators. There were large differences between high-decile homes and all remaining homes on all staffing variables except RN hours according to 2000 state staffing data. These differences are most dramatic for total staffing hours and aide staffing hours. In regard to total hours, high decile homes reported an average of 4.88 hours compared to lower quartile and 75th to 90th percentile homes that reported 2.7 and 3.4 hrpd, respectively. There were also significant but less dramatic differences between homes in the lower quartile and the 75th to 90th percentile on most staffing variables. However, interview data collected in 2001–2002 while the research team was onsite suggested that there were no longer differences between lower quartile homes and those in the 75th to 90th percentile on any staffing variable. Lower-quartile home administrators reported an increase in total staffing from 2.7 in 2000 to 3.2 in 2001–2002 and the 75th to 90th percentile homes reported a staffing decrease from 3.4 to 3.0. Administrator reports of staffing and NA reports of workload continued to show a significant difference for Group 3 (upper decile) homes compared to the remaining homes. Administrators reported a total of 4.5 hrpd in 2001–2002 in the upper-decile homes. Both administrators and NAs in the upper-decile homes reported a ratio of residents to NAs on the 7 a.m. to 3 p.m. and 3 p.m. to 11 p.m. shifts combined that were very close (7.1 to 7.6 residents to NAs, respectively). These reports were significantly different from the NA workload reports in other homes (e.g., nine to 10 residents per aide, see Table 2, rows 9, 10). These data suggest that there are two distinct groups of homes based on staffing statistics. The difference in staffing between Group 1 and Group 2 homes is not only small and unstable, but also well below those minimums thought to indicate better care according to both expert panels and recent CMS studies. Alternatively, the homes in the upper decile were not only dramatically higher on staffing measures when compared to all other homes but also staffed at those levels thought to be necessary to provide good care (Harrington, Kovner et al. 2000; Schnelle, Simmons, Cretin 2001; Kramer and Fish 2001). For these reasons, the primary comparisons on all care process measures were conducted between homes in the upper decile (Group 3) and the remaining sample (Groups 1+2 combined).

Table 2Staffing Characteristics of Sample Nursing HomesNA Care Process Measures: Do Homes That Report the Highest NA Staffing (Group 3 Upper Decile) Provide Different Care Than the Remainder of the Homes (Groups 1 and 2 Combined)Table 3 illustrates that upper-decile homes (Group 3) were significantly different in the same direction on 13 of 16 different care process measures; and, in eight cases significance levels exceeded p<.001. The probability that 13 out of 16 comparisons would be significant at the .05 level by chance is less than .00001. The pattern of significant differences was consistent across all care areas listed in Table 1, but the care process differences were most compelling for feeding assistance and least compelling for exercise and repositioning. In general, participants in the upper-decile homes spent more time out of bed during the day; were engaged more frequently; received better feeding and toileting assistance; were repositioned more frequently; and showed more physical movement patterns during the day that could reflect exercise. However, even participants in these highest-staffed facilities did not receive repositioning at the rate of once every two hours during the day or night and only received potential exercise activities at the rate of approximately one episode every four hours. In addition, there were no differences between the groups of homes in repositioning frequency at night; walking assistance frequency during the day as reported by the participants; or the amount of social interaction observed between residents and staff during meals.

Social interaction during meals could only be measured in the dining room, and participants in the upper-decile homes were observed significantly more often in the dining room than those in the remaining homes. If one assumes that there are very low or zero levels of social interaction between residents and staff if residents eat in their rooms, which is a reasonable assumption, then there would be significant overall differences in the amount of social interaction that participants in upper-decile homes received during meals as compared to participants in all remaining homes.

There were no differences on five MDS-based acuity measures that could explain why more residents ate in their rooms more often in the lower-staffed homes (Groups 1 and 2 combined versus those in the highest-staffed NHs—see Table 1). The significant higher age of residents in the highest-staffed home would seem predictive of these residents spending more time in bed as opposed to less time as was observed. However, none of the demographic characteristics including age were correlated with in-bed or feeding assistance measures across all homes. A multiple regression analysis using staffing as a categorical variable (upper decile versus all others) and MDS acuity scores that were correlated with in-bed time (transfer and feeding assistance, recall scores, and prevalence of UI and pressure ulcer RAP triggered) revealed that staffing remained the only significant predictor of in-bed time (standardized beta=−.28, standard error=8.8, p<.003).

Licensed Nurse Performance MeasuresTable 4 presents the licensed nurse comparisons between the three groups of homes. Unlike the NA care process comparisons, there were no licensed nurse performance measures that favored the upper-decile homes. In fact, licensed nurses in the lower-staffed homes performed better on 2 of the 11 indicators when compared to the upper-decile homes (Group 3). This difference was primarily due to Group 1 homes' nurses scoring significantly better on two pressure ulcer indicators. In addition to the low pass rates for higher-staffed homes on licensed nurse measures, there was also relatively poor performance on some indicators across all homes. Specifically, no group of homes performed well on the indicators assessing licensed nurse management of chronic pain by offering “as needed” pain medication on at least 50 percent of the days in the prior month to those residents with chronic pain symptoms. Less than 10 percent of participants who had chronic pain symptoms and who also had a physician's order for pain medication “as needed” were offered the pain medication on at least 50 percent of the days in the prior month across all homes. Furthermore, licensed nurses failed to identify many residents with chronic pain because less than 50 percent of participants who had chronic pain also had documentation of pain on their most recent MDS assessment. The kappa statistic agreement for residents with chronic pain on two different interviews was .65 (p<.01), indicating high stability. Finally, licensed nurses in all homes also performed poorly on several of the incontinence indicators. Most notably, no incontinent participants had documentation of a three-to-five day toileting assistance trial, which is the most valid method of determining if a resident should receive a scheduled toileting program.

Table 4Measures of Licensed Nurse Care ProcessesGo to:DiscussionNursing home self-reported staffing statistics do reflect differences in quality between homes that report the highest staffing level (upper decile) and all remaining homes. There were few differences between homes that report staffing levels below the 90th percentile and the staffing levels in these homes were unstable across the different staffing measures. There appears to be a two-tiered staffing system with only the homes reporting the highest level of staffing showing both stability and significantly better care on most measures.

The most dramatic differences between the homes were reported for NA hours and the most dramatic quality improvement occurred for homes that reported a total staffing hrpd average from 4.8 (state data) to 4.5 (onsite interview data). There was also a significant improvement in these upper-decile homes for multiple care processes delivered by NAs even though residents in the upper-decile homes needed as much care according to multiple functional measures as residents in the lower-staffed homes.

There were smaller differences between homes in reported licensed nurse hours and particularly RN hours and there were also fewer differences between homes on licensed nurse performance measures. The differences that did exist favored the lower-staffed homes for two pressure ulcer assessment indicators derived from medical record data. In contrast, observation and resident interview measures related to pressure ulcer care actually received by residents (e.g., toileting assistance, repositioning care) favored the upper-decile homes. This finding highlights an important discrepancy between quality conclusions about NH care process implementation derived from different data sources (medical record versus observation and resident interview).

Despite this discrepancy, it is still surprising that the medical record documentation provided by licensed nurses in higher-staffed facilities was not better since other studies have reported a relationship between licensed nurses' hours and some quality measures (Kramer and Fish 2001). There are two potential explanations for this finding. First, it is possible that none of the homes in this study had adequate licensed nurses, particularly RNs, to improve care quality. Furthermore, RN hours failed to reach the minimum level recommended by a recent CMS study (.75 hours) in all homes, and RN hours were much less in all homes than that recommended by an expert panel (1.15 hours) (Harrington, Kovner et al. 2000). Second, licensed nurses in all facilities simply may be unaware of some care processes that define good quality (e.g., no homes documented a trial of toileting assistance for incontinent residents and all homes did poorly on all pain-related measures). This possibility reinforces arguments that licensed nurses who practice in NHs should receive more specialized training focused on the NH population.

It is also important to note that some care processes were poorly implemented in even the highest-staffed facilities, despite the fact that these facilities had sufficient numbers of NAs to potentially provide 100 percent of care to all residents. One plausible explanation for this finding is that all homes lacked management mechanisms necessary to assure that care was provided on a daily basis, in particular, for care processes that are difficult to measure and manage. For example, the fewest differences occurred between homes on care processes related to repositioning and walking exercise, both of which are difficult to measure when compared to more visible types of care (e.g., resident out of bed). In addition, even though the highest-staffed facilities provided better feeding assistance than other homes, there were still problems that could be traced to measurement issues. For example, even staff in the highest-staffed facilities did not accurately record that 48 percent of the residents were eating less than 50 percent of the food offered and that 54 percent of these low-intake residents were provided less than one minute of feeding assistance during meals. Both of these problems in higher-staffed homes could reflect the absence of a quality assessment technology to accurately measure and monitor these care processes.

We should also note that the differences in the care for the highest-staffing homes (Group 3, upper decile) and all lower-staffed homes were significantly greater than the differences in quality measured for homes that differed on MDS clinical quality indicators. This finding, as reported in other studies, suggests that staffing data may be the best information to give consumers (Bates-Jensen et al. 2003; Simmons et al. 2003; Schnelle, Cadogan et al. 2003; Cadogan et al. 2003; Schnelle et al. 2004).

The conclusions are limited to the relatively small regional sample and our inability to check staffing accuracy with time card records even though time card accuracy checks can also be problematic (Hurd, White, and Feuerberg 2001). Fortunately, the reports by aides of their workloads appears to be a measure that is both associated with other workload reports and discriminative of care quality. This fact suggests that consumers might want to monitor the adequacy of staffing in NHs by asking aides how many people they are working with.

It is also possible that NH characteristics correlated with staffing may have mediated some of the effects reported in this study. For example, higher wages and benefits and lower staff turnover have been linked to better quality and we did not measure these variables. Future studies should expand the number of NH homes (particularly high-staffed homes) and variables studied in an effort to more comprehensively delineate the effects of staffing on quality. The low number of high-staffed homes in this study prevented statistical controls for potentially important facility variables that differentiated these homes, such as size and proportion of Medicaid residents. In addition, we did not measure all resident acuity variables that may have explained why residents in low-staffed homes spent so much time in bed. Direct measures of a resident's sickness severity are particularly important for this purpose.

The standardized measurement technology described in this paper represents a major strength of this study. The measurement protocols are clearly defined, can be replicated, and meet scientific measurement criteria related to reliability and stability. Even though one can argue about the importance of some of the measures for assessing quality, the specificity of the measures allows for this argument to be evidence-based.

Despite the limitations of this study, an excellent case can be made that the highest-staffed homes provided better care. Furthermore, NA staffing levels reported by only the highest-staffed homes exceeded those levels that were identified in two recent CMS reports as associated with higher care quality. This finding provides some verification that NA staffing above 2.8 hours per resident per day is associated with better quality.

Go to:FootnotesSupported by a grant from the California HealthCare Foundation. The views expressed in this paper are those of the authors and may not reflect those of the Foundation. The California HealthCare Foundation, based in Oakland, California, is a nonprofit philanthropic organization whose mission is to expand access to affordable, quality health care for underserved individuals and communities, and to promote fundamental improvements in the health status of the people of California. This research was also supported by grant AG10415 from the National Institute on Aging, UCLA Claude D. Pepper Older Americans Independence Center.






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January 10th, 2014

1/10/2014

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AS NEO-LIBERAL ECONOMISTS LIKE REICH AND KRUGMAN SHOUT OUT AGAINST THE WEALTH INEQUITY OF TODAY WITHOUT EVER ACKNOWLEDGING THAT IT ISN'T INEQUITY-----IT WAS A VISIGOTH LOOTING OF THE AMERICAN SOCIETY BY MASSIVE CORPORATE FRAUD------WE SAY, A GOVERNMENT THAT SUSPENDS RULE OF LAW SUSPENDS STATUTES OF LIMITATION!

I see in Baltimore all these middle-class homeowners that were able to keep their homes in hard times and I am shouting----financial analysts are warning to get rid of houses as this coming economic crash will bring a depression so you may be next!  Gentrification will go up the income scale!



I spoke last time about how Obama and neo-liberals played this entire crisis like a playbook written by Wall Street.  We saw how these main street bailouts were deliberately written so that only the affluent homeowners would access help and the FHA, a vital agency with a long service to families was targeted to be shut out.  Neo-liberals are working just as hard as republicans to end all War on Poverty and New Deal programs and fair housing goes!!!!  So, the middle-class  holding on to jobs and their homes now had better buckle-up because financial analysts are calling for people owning homes to get rid of them as the next, more powerful economic collapse comes soon......

THIS IS OBAMA'S LEGACY AND ALL OF MARYLAND'S DEMOCRATS ARE NEO-LIBERALS AND ALL EQUALLY RESPONSIBLE. 


SHAME AND DISGRACE FOR MARYLAND NEO-LIBERALS WATCHING SILENTLY AS THIS UNFOLDED.

What could we do, they say?  When 50 states attorney general shout out in 2005 that the mortgage industry is systemically criminal--------

YOU SHOUT OUT TO MARYLAND CITIZENS NOT TO GET INVOLVED IN THESE LOANS.  THEN, YOU SHOUT OUT OVER AND OVER THAT JUSTICE HAS NOT OCCURRED!

That is what a democrat would do!


Below you see the housing program that Obama and neo-liberals pretended was the bailout of main street and help in curbing foreclosures.  It was a ruse of course as they fumbled the roll-out long enough for most people that could have gotten help went under trying to get it!  Mind you....some people were helped.  The percentage I see over and again is 10% of foreclosures were saved.

 I sit and watch the same banks and mortgage corporations that created the massive subprime mortgage fraud now connected with HARP, earning more money from fees attached to yet another mortgage refinance.  From Quickens Loans to  Wells Fargo and Bank of America.....they are earning billions on HARP.

HARP Program Requirements In order to participate in HARP you need to meet the following requirements:

  • Your mortgage must be owned or guaranteed by Fannie Mae or Freddie Mac
  • You must be current on your mortgage, and cannot have made a payment more than 30 days late in the past year.
  • You must have negative home equity (you owe more on your mortgage than your home is worth), but your mortgage cannot exceed 125% of the value of your home.
  • Refinancing must help the affordability or stability of your mortgage.
  • You must have the ability to continue making payments
  • Mortgage owned or guaranteed by the FHA, VA, or USDA are not eligible for HARP.
  • Your property must be 1-4 units.
  • Your property must also be your primary residence. 2nd homes are not eligible for refinancing under HARP.
________________________________________________
As you see, HARP deliberately excludes FHA and the other government mortgages from this 'stimulus' and these loans are for those needing the help the most.  See why tens of millions of people went into foreclosure?  They were the ones most affected by the massive frauds and simple Rule of Law would have kept those homes with those families.

The reason Obama and neo-liberals in Congress chose Freddie and Fannie for this stimulus is that these loans were private mortgages and they wanted bank mortgages to be stabilized with the higher end prices and they are trying to end FHA and low-income homeownership. Neo-liberals work with republicans to end all War on Poverty and New Deal programs!

Obama and neo-liberals called these homeowners 'responsible' because they were able to weather years of recession.


Remember, they wanted everyone out of property ownership and into rentals because Pottersville landlords can keep people poor with high rents and control where they live!  Neo-liberals are socially engineering this return to Medieval society with the serfs outside the castle gates....into what is suburbia.  What about equal housing and access?  THE BILL OF RIGHTS GOES WITH TPP YOU KNOW!  In Maryland, the ACLU is actually helping with this even as it is unconstitutional.


The FHA was a successful program for decades causing very little cost for taxpayers.  So, the only reason to get rid of it is that it took away profit for banks wanting the mortgage business. 





Fannie Mae and Freddie Mac purchase mortgages from financial institutions, providing a way for those financial institutions to have more cash to continue to lend money for additional mortgages. Congress enacted a statutory mission for these GSEs to bring "liquidity, stability and affordability to the U.S. housing and mortgage markets."


FHA mortgages were created by the United States government to give borrowers with low credit scores and down payments who could not qualify for a Freddie Mac mortgage the opportunity to buy a home.


_____________________________________________


When Obama chose to suspend Rule of Law and allow all this mortgage fraud go without justice it was the old, women, and children who were hit the hardest.  Seniors taking home equity loans thinking they would be able to address them over time did not know massive corporate fraud was being allowed to go unabated.  These were the 'irresponsible' homeowners Obama and neo-liberals allowed to be taken under.

Now, Wall Street wanted all real estate back into the hands of the banks so if you watch TV you are familiar with the REVERSE MORTGAGE DEALS THAT HAND HOMES TO THE BANKS AFTER SENIORS DIE.  This is handy for families with seniors struggling to survive, but it was yet another device to move homeownership away from average people as these families who would normally have inherited these homes now had no inheritance.  Meanwhile, the estate taxes are being eliminated slowly but surely for the wealthy.


THE FIRST THING A DEMOCRATIC SOCIETY DOES IS PROTECT THE OLD AND YOUNG....NOT NEO-LIBERALS!

THIS WAS MASSIVE FRAUD AND THE ECONOMY WAS DAMAGED BY THIS FRAUD.  ALL OF THE AID BY CONGRESS SHOULD HAVE COME TO MAIN STREET.  RULE OF LAW DEMANDS IT SO------WHEN GOVERNMENT SUSPENDS RULE OF LAW THEY SUSPEND STATUTES OF LIMITATIONS!

Senior Citizens Worst Hit By Foreclosures in America
Filed Under Repo Homes

It is the senior citizens that have been worst hit by the foreclosure crisis in America. About 28% of those boiling in the foreclosure cauldron are aged above 50. A recent study by AARP has questioned the validity of the hitherto popular surmise that the seniors have escaped the crisis because of they had built up sufficient equity on their houses.

The research done by AARP show that 684,000 persons aged 50 are in foreclosure during the last six months of 2007. Those who were above 50 comprised of 28% of all those who were in the foreclosure soup. Of these 684,000 senior borrowers, 50,000 were in foreclosures and lost their houses.

At the close of 2007 the rate among senior citizens of America who were in foreclosure was 0.24%. This was half of those who were aged less than 50 and have less equity than their elders.

Susan Reinhard of Public Policy Institute said that the seniors of America are dependent on their houses both as a shelter and an asset when retirement knocks. She said, “Losing a home jeopardizes long-term financial security with limited time to recover.”

The report also highlights the effects of the sub-prime mortgage crisis on those who were aged 50 and above. This group was 17 times more likely to be caught by foreclosure than those with prime mortgages. The states with high repo home rates among the seniors are California, Nevada, Colorado and Michigan.

Older Americans had made use of the equity on their houses for making repairs to their property and financing the higher education of their children. But seniors with fixed income are facing problems making mortgage payments. The sluggish economy with inflation is making the going even tougher for those with advancing age. Fall in the real estate market has affected all age groups.

Daniel Alpert of Westwood Capital that both young and old who had siphoned off the equity on their houses are now rocking on the same boat of foreclosure Many seniors like the juniors contracted teaser loans thanks to the aggressive peddling of the same by agents. The mortgage forms were also difficult to comprehend. The call of the hour is simplified mortgages. So it was a question of sales talk and trust that were misused for disastrous consequences for all – the lender, the borrower and the community together with the hapless individual whether young or old.




______________________________________________



Below you see an article from Fall 2011 talking about how very few on main street were able to access HARP from the time it rolled out with the bank bailout.  This was supposedly main street's bailout but between the long-term unemployment creating the environment of missed payments and the banks constantly 'losing paperwork' that basically caused most people applying to fail to be considered. 

ALL OF THIS WAS DELIBERATE AS THIS ENTIRE MORTGAGE FRAUD WAS ABOUT GETTING MAIN STREET OUT OF THEIR HOMES SO THE GOAL WAS TO GET AS MANY HOMEOWNERS AS POSSIBLE INTO FORECLOSURE. 

Here in Maryland advocates for people heading to foreclosure shouted even into 2012 that  the money intended to augment people heading to foreclosure from the $25 billion mortgage fraud settlement was not getting to people.  So, just think, people who we all know were struggling from the economic downturn were left from 2009-2012 mostly unable to get the help they needed with this HARP policy. 

Flash forward to 2013 and we see Obama shouting that those funds set aside for HARP be used.  By now, most people of average means have lost their homes to foreclosure.


The Home Affordable Refinance Program (HARP): What you need to know

By Hayley Tsukayama, Published: October 24, 2011

On Monday, the federal government announced that it would revise the Home Affordable Refinance Program (HARP), implementing changes that The Washington Post’s Zachary A. Goldfarb reported would “allow many more struggling borrowers to refinance their mortgages at today’s ultra-low rates, reducing monthly payments for some homeowners and potentially providing a modest boost to the economy.”

The HARP program, which was rolled out in 2009, is designed to help. Those who are “underwater” on their homes and owe more than the homes are worth. So far, The Post reported, it has reached less than one-tenth of the 5 million borrowers it was designed to help. Here’s a quick breakdown of what you need to know about the changes.

Video

Oct. 24 (Bloomberg) -- Edward J. DeMarco, acting director of the Federal Housing Finance Agency, talks about the regulator's mortgage relief program that will expand to allow homeowners to refinance regardless of how much their houses have dropped in value.

Gallery

  Flashback: Last year, some mortgage lenders and government officials took action after discovering that many mortgage documents were mishandled.


What was announced? The enhancements will allow some homeowners who are not currently eligible to refinance to do so under HARP. The changes cut fees for borrowers who want to refinance into short-term mortgages and some other borrowers. They also eliminate a cap that prevented “underwater” borrowers who owe more than 125 percent of what their property is worth from accessing the program.

Am I eligible? To be eligible, you must have a mortgage owned or guaranteed by Fannie Mae or Freddie Mac, sold to those agencies on or before May 31, 2009. The current loan-to-value ratio on the mortgage must be greater than 80 percent. Having a mortgage that was previously refinanced under the program disqualifies you from the program. Borrowers cannot not have missed any mortgage payments in the past six months and cannot have had more than one missed payment in the past 12 months.

How do I take advantage of HARP? According to the Federal Housing Finance Agency, the first step borrowers should take is to see whether their mortgages are owned by Fannie Mae or Freddie Mac. If so, borrowers should contact lenders that offer HARP refinances.

When do the changes go into effect? The FHFA is expected to publish final changes in November. According to a fact sheet on the program, the timing will vary by lender.



____________________________________________

I speak quite often about the targeted families in urban centers because of what is happening in Baltimore.  The black middle-class was hit hardest as their wealth was often tied to these urban areas hit with mortgage fraud and as we know the US Justice Department has failed to give any justice to people of color in these urban centers.  City Hall is not only allowing the subprime loan fraud go without justice......I have spoken about how City Hall is actually preying on these citizens with home seizures from faulty utility bills or small amounts of back taxes.

THIS IS NOT A DONE DEAL AS ALL OF THIS HAS YET TO SEE JUSTICE AND RULE OF LAW WILL HAVE LOW-INCOME HOUSING FOR VICTIMS OF FRAUD IN THE CITY CENTER!


The Great Eviction: Black America and the Toll of the Foreclosure Crisis From predatory loans to evictions at gunpoint, neighborhoods are hosting bitter conflicts between activists and market forces—By Laura Gottesdiener

| Thu Aug. 1, 2013 1:04 PM


We cautiously ascend the staircase, the pitch black of the boarded-up house pierced only by my companion's tiny circle of light. At the top of the landing, the flashlight beam dances in a corner as Quafin, who offered only her first name, points out the furnace. She is giddy; this house—unlike most of the other bank-owned buildings on the block—isn't completely uninhabitable.

It had been vacated, sealed, and winterized in June 2010, according to a notice on the wall posted by BAC Field Services Corporation, a division of Bank of America. It warned: "entry by unauthorized persons is strictly prohibited." But Bank of America has clearly forgotten about the house and its requirement to provide the "maintenance and security" that would ensure the property could soon be reoccupied. The basement door is ajar, the plumbing has been torn out of the walls, and the carpet is stained with water. The last family to live here bought the home for $175,000 in 2002; eight years later, the bank claimed an improbable $286,100 in past-due balances and repossessed it.

It's May 2012 and we're in Woodlawn, a largely African American neighborhood on the South Side of Chicago. The crew Quafin is a part of dubbed themselves the HIT Squad, short for Housing Identification and Target. Their goal is to map blighted, bank-owned homes with overdue property taxes and neighbors angry enough about the destruction of their neighborhood to consider supporting a plan to repossess on the repossessors.

"Anything I can do," one woman tells the group after being briefed on its plan to rehab bank-owned homes and move in families without houses. She points across the street to a sagging, boarded-up place adorned with a worn banner—"Grandma's House Child Care: Register Now!"—and a disconnected number. There are 20 banked-owned homes like it in a five-block radius. Records showed that at least five of them were years past due on their property taxes.

Where exterior walls once were, some houses sport charred holes from fires lit by people trying to stay warm. In 2011, two Chicago firefighters died trying to extinguish such a fire at a vacant foreclosed building. Now, houses across the South Side are pockmarked with red Xs, indicating places the fire department believes to be structurally unsound. In other states--Wisconsin, Minnesota, and New York, to name recent examples—foreclosed houses have taken to exploding after bank contractors forgot to turn off the gas.

Most of the occupied homes in the neighborhood we're visiting display small signs: "Don't shoot," they read in lettering superimposed on a child's face, "I want to grow up." On the bank-owned houses, such signs have been replaced by heavy-duty steel window guards. ("We work with all types of servicers, receivers, property management, and bank asset managers, enabling you to quickly and easily secure your building so you can move on," boasts Door and Window Guard Systems, a leading company in the burgeoning "building security industry.")

The dangerous houses are the ones left unsecured, littered with trash and empty Cobra vodka bottles. We approach one that reeks of rancid tuna fish and attempt to push open the basement door, held closed only by a flimsy wire. The next-door neighbor, returning home, asks: "Did you know they killed someone in that backyard just this morning?"

The Equivalent of the Population of Michigan Foreclosed
Since 2007, the foreclosure crisis has displaced at least 10 million people from more than four million homes across the country. Families have been evicted from colonials and bungalows, A-frames and two-family brownstones, trailers and ranches, apartment buildings and the prefabricated cookie-cutters that sprang up after World War II. The displaced are young and old, rich and poor, and of every race, ethnicity, and religion. They add up to approximately the entire population of Michigan.

However, African American neighborhoods were targeted more aggressively than others for the sort of predatory loans that led to mass evictions after the economic meltdown of 2007-2008. At the height of the rapacious lending boom, nearly 50% of all loans given to African American families were deemed "subprime." The New York Times described these contracts as "a financial time-bomb."

Over the last year and a half, I traveled through many of these neighborhoods, reporting on the grassroots movements of resistance to foreclosure and displacement that have been springing up in the wake of the explosion. These community efforts have proven creative, inspiring, and often effective—but in too many cities and towns, the landscape that forms the backdrop to such a movement of hope is one of almost overwhelming destruction. Lots filled with "Cheap Bank-Owned!" trailers line highways. Cities hire contractors dubbed "Blackwater Bailiffs" to keep pace with the dizzying eviction rate.

In recent years, the foreclosure crisis has been turning many African American communities into conflict zones, torn between a market hell-bent on commodifying life itself and communities organizing to protect their neighborhoods. The more I ventured into such areas, the more I came to realize that the clash of values going on isn't just theoretical or metaphorical.

"Internal displacement causes conflict," explained J.R. Fleming, the chairman of the Chicago Anti-Eviction Campaign. "And there's no other country in the world that would force so much internal displacement and pretend that it's something else."

Evictions at Gunpoint
It was three in the morning when at least a dozen police cruisers pulled up to the single-story, green-shuttered house in the African American Atlanta suburb where Christine Frazer and her family lived. The precise number of sheriffs and deputies who arrived is disputed; the local radio station reported 25, while Frazer recalled seeing between 40 and 50.

A locksmith drilled off the home's locks and dozens of officers burst into the house with flashlights and handguns.

"Who's in the house?" they shouted. Aside from Frazer, a widow with a vocal devotion to the Man Above, there were three other residents: her 85-year-old mother, her adult daughter, and her four-year-old grandson. Things began to happen fast. Animal control rounded up the pets. Officers told the women to get dressed. Could she take a shower? Frazer asked. Imagine there's a fire in your house, the officer replied.

"They came to my home like I was a drug dealer," she told reporters later. Over the next seven hours, the officers hauled out the entire contents of her home and cordoned off the street to prevent friends from helping her retrieve her things.

"I have no idea where some of my jewelry is, stuff I bought when I was 30 years old," said Frazer. "I am sixty-three. They just threw everything everywhere, helter-skelter on the front lawn in the dark."

The eviction-turned-raid sparked controversy across Atlanta when it occurred in the spring of 2012, in part because Frazer had a motion pending in federal court that should have stayed the eviction, and in part because she was an active participant of Occupy Homes Atlanta. But this type of militarized reaction is often the outcome when communities—especially those of color—organize to resist eviction.

When Nicole Shelton attempted to move back into her repossessed home in a picket-fence subdivision in North Carolina, the Raleigh police department sent in more than a dozen police officers and an eight-person SWAT team. Officers were equipped with M5 submachine guns. A helicopter roared overhead. In Boston, one organizer with the community group City Life/Vida Urbana remembers the police acting so aggressively at an eviction blockade in a Haitian neighborhood that the grandmother of the family had a heart attack right in the driveway.

And sometimes it doesn't require resistance at all. On the South Side of Chicago, explained Toussaint Losier, a community organizer completing his Ph.D. at the University of Chicago, "They bust in the door, and it's at the point of a gun that you get evicted."

Exiles in America
There have been widespread foreclosures—and some organized resistance—in predominately white communities, too. Kevin Kirkman, captain of the civil division of the Lee County sheriff's office, explained, "I get so many [eviction] papers in here, it's unbelievable."

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More than 75% of the residents in North Carolina's Lee County are whites. But Kirkman still sees the ripple effects of mass foreclosure here. "You're talking about a mudslide where a lot of things are affected. You're talking about taxes, about retail sales if people move, about food services, about gasoline. You see what I'm talking about? When you lose a family in the community? Some people leave the community. I have seen people leave the state of North Carolina."

He added, "I'm going be honest with you, my feeling is that I would not do these evictions."


______________________________________________
I wanted to end with this main stream shout out that the subprime mortgage loan fraud is recognized by all and the amount of these frauds are in the trillions of dollars and as of now we have gotten maybe a trillion in subprime loan settlement and most of that has been sent right back to banks as developers......WE ALL KNOW THIS!

Op-Ed Columnist The Mortgage Fraud Fraud

By JOE NOCERA Published: June 1, 2012 

I got an e-mail the other day from Richard Engle telling me that his son Charlie would be getting out of prison this month. I was happy to hear it.

Charlie’s ordeal isn’t over yet, of course. When he leaves prison on June 20, Charlie, 49, will move temporarily to a halfway house, after which he will be on probation for another five years. And unless he can get the verdict overturned, he will have to spend the rest of his life with a felony on his record.

Perhaps you remember Charlie Engle. I wrote about him not long after he entered a minimum-security facility in Beaver, W.Va., 16 months ago. He’s the poor guy who went to jail for lying on a liar loan during the housing bubble.

There were two things about Charlie’s prosecution that really bothered me. First, he’d clearly been targeted by an agent of the Internal Revenue Service who seemed offended that Charlie was an ultramarathoner without a steady day job. The I.R.S. conducted “Dumpster dives” into his garbage and put a wire on a female undercover agent hoping to find some dirt on him. Unable to unearth any wrongdoing on his tax returns, the I.R.S. discovered he had taken out several subprime mortgages that didn’t require income verification. His income on one of them was wildly inflated. They don’t call them liar loans for nothing.

Charlie has always insisted that he never filled out the loan document — his mortgage broker did it, and he was actually a victim of mortgage fraud. (The broker later pleaded guilty to another mortgage fraud.) Indeed, according to a recent court filing by Charlie’s lawyer, the government failed to turn over exculpatory evidence that could have helped Charlie prove his innocence. For whatever inexplicable reason, prosecutors really wanted to nail Charlie Engle. And they did.

Second, though, it seemed incredible to me that with all the fraud that took place during the housing bubble, the Justice Department was focusing not on the banks that had issued the fraudulent loans, but rather on those who had taken out the loans, which invariably went sour when housing prices fell.

As I would later learn, Charlie Engle was no aberration. The current meme — argued most recently by Charles Ferguson, in his new book “Predator Nation” — is that not a single top executive at any of the firms that nearly brought down the financial system has spent so much as a day in jail. And that is true enough.

But what is also true, and which is every bit as corrosive to our belief in the rule of law, is that the Justice Department has instead taken after the smallest of small fry — and then trumpeted those prosecutions as proof of how tough it is on mortgage fraud. It is a shameful way for the government to act.

“These people thought they were pursuing the American dream,” says Mark Pennington, a lawyer in Des Moines who regularly defends home buyers being prosecuted by the local United States attorney. “Right here in Des Moines,” he said, “there was a big subprime outfit, Wells Fargo Financial. No one there has been prosecuted. They are only going after people who lost their homes after the bubble burst. It’s a scandal.”

The Justice Department has had a tough run recently. Last week, Eric Schneiderman, the New York attorney general — who was recently given a role by President Obama to investigate the mortgage-backed securities issued during the bubble — complained publicly that he wasn’t getting the resources he needed from the Justice Department. And, of course, on Thursday, a federal judge declared a mistrial on five charges of campaign finance fraud and conspiracy in the trial of the former presidential candidate John Edwards.

In the Edwards case, the Justice Department spent tens of millions of dollars, and trotted out novel legal theories, to prosecute a man who was essentially trying to keep people from discovering that he had had a mistress and an out-of-wedlock child. Salacious though it was, the case has zero public import. Yet this same Justice Department isn’t willing to use similar resources — and perhaps even trot out some novel legal theories — to go after the pervasive corporate wrongdoing that gave us the financial crisis and the Great Recession. (I should note that the Justice Department claims that it “will not hesitate” to prosecute any “institution where there is evidence of a crime.”)

Think back to the last time the federal government went after corporate crooks. It was after the Internet bubble. Jeffrey Skilling and Kenneth Lay of Enron were prosecuted and found guilty. Bernard Ebbers, the former chief executive of WorldCom, went to jail. Dennis Kozlowski of Tyco was prosecuted and given a lengthy prison sentence. Now recall which Justice Department prosecuted those men.

Amazing, isn’t it? George W. Bush has turned out to be tougher on corporate crooks than Barack Obama.






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January 08th, 2014

1/8/2014

0 Comments

 
AS WITH THE AFFORDABLE CARE ACT AND RACE TO THE TOP......THESE NEW MORTGAGE RULES SUPPOSEDLY 'CONSUMER' FRIENDLY ARE ACTUALLY CREATING BOUNDARIES FOR HOME-OWNERSHIP FOR THE PEOPLE THE FHA WAS MEANT TO SERVE.  ALSO, LOOK AT WHY SOME RULES, LIKE JUMBO LOANS, CAME AND WENT.  IT WAS ALL ORCHESTRATED AROUND THOSE TRILLIONS IN PROFIT FROM FRAUD AND REFINANCING OVER AND OVER AND OVER.  TAXPAYERS PAID MUCH OF THAT REFINANCING WITH $700,000 LOAN LIMITS!



About Housing

The Office of Housing provides vital public services through its nationally administered programs. It oversees the Federal Housing Administration (FHA), the largest mortgage insurer in the world, as well as regulates housing industry business.

Legislation in the 1960s expressed the social concerns of providing decent and sanitary housing and ensuring that such housing is made available to all. In that sprit, Executive Order 11063, Equal Opportunity in Housing, was issued in 1962 and represented the first major effort by the federal government to combine civil rights with housing. Title VI of the Civil Rights Act of 1964 assured nondiscrimination on federally assisted programs. Equality in housing opportunity was legislated by Title VII of the Civil Rights Act of 1968, the Fair Housing Act, which prohibited discrimination in the sale, financing, or leading of housing. The full protection of the law was expanded by the Fair Housing Amendments of 1988, further prohibiting discrimination based on familial status or handicap.

In 1965, the Housing and Urban Development Act created HUD to succeed the HHFA as a cabinet-level agency.

The 1960s brought a new method of developing low-income housing. The Housing and Urban Development Act of 1965 initiated a new leased housing program to make privately owned housing available to low-income families. The Housing and Community Development Act of 1974 (1974 Act) replaced Section 23 with the Section 8 Leased Housing Assistance Payment Program (Section 8). Title I of the 1974 Act created a new community development block grant (CDBG) program.



The Present

The mission of HUD, to “promote adequate and affordable housing, economic opportunity, and a suitable living environment free from discrimination” continues to focus the department’s initiatives.




'The new rules will help protect consumers and reduce the risk that the economy will crash again because of shoddy lending, Senator Elizabeth Warren, a Democrat of Massachussetts, said yesterday'.

Let's take a look at the new rules from Elizabeth Warren's Consumer Financial Protection Bureau (CFPB) regarding mortgages handled by federally insured Fannie and Freddie.  Now, keep in mind that neo-liberals and neo-cons are working to dismantle these two agencies and end the Federal government's involvement in the mortgage industry.  That was one of the goals of imploding these agencies with fraud after all!  So, new rules for mortgages by the CFPB seem to come just as they will no longer be needed.  This is why the article shows how Wells Fargo.....a leader in private mortgage business and SUBPRIME MORTGAGE LOAN FRAUD EXTRAORDINAIRE......is building a structure for handling loans outside these new rules by the CFPB.  Keep in mind that Warren is being sold as a darling of the progressives when in fact she is a global corporate and free market supporter.....none of that is progressive.

IT IS A HOAX TO KEEP THE CURRENT FHA FROM DOING THE JOB OF SECURING LOANS FOR LOW-INCOME PEOPLE WHILE TRANSITIONING/CLOSING THIS PUBLIC AGENCY.


Remember, the Federal Housing Agency was started to provide low-cost housing loans to low-income people and worked successfully for the few decades it was independent.  No drama, no improper and fraudulent loan activity....simply a well-run Federal agency that helped people become homeowners.  THIS IS A GOOD THING WE WANT TO KEEP.  It was when it was made into a public private partnership as Freddie and Fannie that it became profit-driven and fraudulent and this was the plan.....to blow up a strong public sector service and send it back to Wall Street.  This is what these mortgage reforms are all about!  This is not consumer friendly.....it protects the banks.

Wells Fargo Creates Swat Team to Keep Loans In-House: Mortgages

By Dakin Campbell and John Gittelsohn Jan 8, 2014 8:08 AM ET

  Wells Fargo Wells Fargo & Co. (WFC), the largest U.S. home lender, has assigned about 400 underwriters to originate mortgages for the bank to hold, with as many as 40 percent of the loans likely to fall outside government guidelines taking effect this week.

The bank is training the group as a way to increase lending without losing control of quality, according to Brad Blackwell, head of portfolio lending for the San Francisco-based lender. The group will review loans including those with terms that prevent them from qualifying for protections provided by the Consumer Financial Protection Bureau, or CFPB, under new rules, he said.

Wells Fargo, responsible for about one in five U.S. mortgages last year, is pushing the initiative to compete for clients seeking non-conventional loans such as those with interest-only payments. That segment will be increasingly sought-after at a time when rising interest rates are curbing borrowing demand and banks are facing the biggest regulatory overhaul since the Great Depression.

“As rates continue to rise and refinancing volume continues to contract, lenders are going to be looking for a way to keep their staffs busy,” said Erin Lantz, director of mortgages at Zillow Inc.

Congress directed the CFPB, formed as part of the 2010 Dodd-Frank Act, to create the qualified mortgage rule after banks were blamed for helping spark the 2008 credit crisis by giving mortgages to people who couldn’t afford them. The regulations provide a measure of legal protection to banks that meet guidelines and expose them to legal liabilities if the loans charge high fees or require total debt payments exceeding 43 percent of the borrower’s income.

‘Sweeping Re-Regulation’ “What you see happening on Jan. 10 is the most sweeping re-regulation of mortgage finance that I’ve seen,” said Pete Mills, senior vice president of residential policy at the Mortgage Bankers Association, whose home loan career started in 1983.

Unlike the loose lending practices of the last decade, most lenders now approve borrowers only after fully documenting their incomes and assets. At a time when government-backed loans account for 90 percent of the market, non-qualified mortgages can’t be insured by the Federal Housing Administration or sold to Fannie Mae or Freddie Mac, the government-controlled enterprises that package home loans into bonds.

Changing Structure Wells Fargo wants to give its clients more loans that can’t be sold to the government-backed firms. The bank is confident the new underwriting group, which will make both qualified and non-qualified mortgages, will allow it to originate debt that doesn’t meet the CFPB’s safe harbor, said Blackwell. Non-qualified mortgages could be about 5 percent of the bank’s total mortgage production, he said.

The approach represents a change for the bank, which long made loans with the intention of selling them all.

“In the early days of our history, we were a mortgage bank: our primary responsibility was to originate and sell,” Blackwell said. “Today we are originating for our portfolio. These are loans that we will hold for their lifetime.”

Wells Fargo added $14.5 billion in nonconforming mortgages in the six months ended September, bringing the total held by the bank to $72.4 billion, according to a bank presentation.

Bank of the West, a subsidiary of BNP Paribas SA (BNP), also plans to offer non-qualified mortgages to its clients regardless of amount, according to Stew Larsen, executive vice president of the mortgage banking division based in Omaha, Nebraska. The rules are an opportunity for banks that have capacity to hold loans on their balance sheets to take market share from mortgage companies that lack that capability, he said.

Potential Expansion Non-qualified mortgages have the potential to be a $400 billion a year market, starting with the most creditworthy borrowers and broadening as home values and the wider economy improve, according to Raj Date, who stepped down as deputy director of the CFPB a year ago to found Fenway Summer LLC, which plans to offer non-conforming loans in 2014.

Lenders are responding to mortgage volumes that are forecast to plunge 33 percent this year to $1.17 trillion from 2013, according to the Mortgage Bankers Association. Rates on 30-year mortgages averaged 4.53 percent last week, up from 3.35 percent in early May, according to Freddie Mac.

The rate increased when the Federal Reserve signaled plans to reduce $85 billion in monthly bond purchases and already has diminished the refinancing that accounted for two-thirds all home loans in the last two years.

Refinancing Declines Declines in refinancing have led the largest lenders to start cutting jobs. JPMorgan (JPM) Chase & Co. said it may dismiss 15,000 employees, Wells Fargo cut more than 6,200 positions and Bank of America Corp. (BAC) eliminated at least 3,400 mortgage-related workers. Citigroup Inc. (C) also said it’s looking to trim staff.

Banks are being cautious about testing the limits of the new rules as they continue settling disputes arising from the last decade’s lending spree.

JPMorgan, which agreed to pay $5.1 billion in October to resolve claims by Fannie Mae and Freddie Mac about debt sold to the financing companies, has no plans to expand or discontinue products after Jan. 10, including non-qualified mortgages for borrowers with a high-net worth, according to Amy Bonitatibus, a spokeswoman for the New York-based bank.

Bank of America will continue providing interest-only loans to “preferred customers in a very conservative manner,” according to bank spokesman Terry Francisco.

Citigroup Offering Citigroup will offer some loans such as adjustable-rate mortgages and those too large to qualify for agency guidelines, according to Mark Rodgers, a bank spokesman. The loans will only be made when they are “appropriate and suitable” for borrowers, he said.

The new rules will help protect consumers and reduce the risk that the economy will crash again because of shoddy lending, Senator Elizabeth Warren, a Democrat of Massachussetts, said yesterday.

“The rules will reshape the mortgage market for the better,” Warren, who first proposed creating the CFPB, said during a floor speech. “They will give people a better chance to buy homes and a better chance to keep those homes, and they will force mortgage lenders and servicers to compete by offering better rates and customer service, not by tricking and trapping people. ”

Initial Reluctance While lenders initially will be reluctant to extend non-qualified mortgages to borrowers with lower incomes, limited assets or low credit scores, they will probably stretch the rules as they seek to expand business, just as they began offering loans to subprime borrowers in the last decade, according to Richard Eckert, an MLV & Co. analyst who worked as a risk management analyst at the Federal Home Loan Bank of San Francisco in the 1990s.

“Just like back in the early 2000s, to keep the party rolling they slipped into subprime,” he said. “People that were high and mighty and were going to take the high road a year ago when quarterly loan originations were $400 billion and now seeing those dry up to as little as $150 billion, I think they are taking a real hard look at what they may have passed up.”

Even as it cuts mortgage jobs, Wells Fargo has selected between 300 and 400 underwriters who will execute different policies and report to separate bosses than peers who check over loans the bank sells to investors, Blackwell said in a telephone interview.

Separate Groups “We have separated the underwriting group into a separate team that only underwrites loans” for the bank’s own balance sheet, he said. “We found it impossible to achieve our objectives” with the two groups together, he said.

The underwriters will be located in six locations around the country and the training of the group and policy writing will be completed by the end of the year, Blackwell said.

This may lead to faster closing times and fewer mistakes, according to Joseph Morford, an RBC Capital Markets analyst based in San Francisco. That should build trust with the company’s financial advisers and private bankers, who are expected to refer wealthy customers, he wrote in a Dec. 23 note to clients.

“The brokers should feel more comfortable that their customers will be handled appropriately, which over time should lead to more mortgage referrals,” Morford wrote after meeting with David Carroll, head of Wells Fargo’s wealth and retirement unit.

Already, the new policy has “allowed us to do more volume with better service and better quality,” Blackwell said.


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MIND YOU, SOME OF THESE RULES ARE FINE.  WE NEVER BELIEVED A LAW WAS NEEDED TO REQUIRE A BANK TO CHECK PERSONAL QUALIFICATIONS LIKE INCOME AND EMPLOYMENT.....THAT WAS FRAUD.  THE 45% OF MONTHLY INCOME WOULD NOT BE BAD IF PRICES FOR HOMES WERE NOT SO HIGH FOR EXAMPLE IN CITIES.

Keep in mind the mortgage crisis was created by Wall Street and it is these same requirements in this bill placed on homeowners that was needed on banks to stop the next crisis......20% capital on hand in the banks has never happened and they are now leveraged with derivative debt beyond the $600 trillion of last economic crash.  So, Wall Street and the Consumer Financial Protection Bureau is placing the requirements needed for banks in these mortgage rules for consumers.


Let's look at jumbo mortgage loans for example.

The first thing our neo-liberal Obama and Congress did when they were elected in 2008 was to extend Federal protection FHA for loans to a whopping $700, 000.  Keep in mind the FHA is a low-income agency. 

They did this so affluent homeowners could qualify for all the mortgage write-downs and low-interest refinancing that was supposedly helping main street keep their homes.  Most of the money spent in this Federal program went to these $700,000 homeowners while main street went into foreclosure by the tens of millions.  So, we now have a Federal agency insuring home loans for hundreds of thousands of dollars-----JUMBO MORTGAGES.  Why end that now?  Because these five years of Obama's term has moved those tens of millions of foreclosed homes and refinanced those high-end mortgages all that is needed and now they are ready to handle the mortgage market in a way most profitable. 




How will new mortgage rules affect you?

By Polyana da Costa • Bankrate.com Highlights
  • The mortgage rules are designed to ensure that borrowers can repay.
  • Jumbo loans will be harder to qualify for; interest-onlies will be rare.
  • Homeowners will get renewed protections when they fall behind on payments.


The home loan industry will soon have to adapt to new mortgage rules that will offer borrowers much needed protection against lender abuses and reckless lending standards. But the changes may not please all borrowers.

Some of the new mortgage rules the Consumer Financial Protection Bureau has issued this year will influence qualification requirements and the types of mortgages that borrowers get. The new standards go into effect next year -- but expect lenders to start adjusting to the new policies in coming months.

The gist of one of the main rules is simple: Lenders will be required to ensure that borrowers have the ability to repay their mortgages. In return, lenders will be protected from borrower lawsuits so long as they issue "safe" mortgages that follow guidelines.

These safe mortgages are what the CFPB calls "qualified mortgages." As defined by the CFPB, only 12.8 percent of new mortgages in 2012 didn't meet the "qualified mortgage" standard, according to real estate data provider CoreLogic.

The new mortgage rules won't affect the majority of people seeking to buy a home or refinance their home loans, because lenders have already tightened their lending standards since the financial crisis.

But certain groups of borrowers will notice a difference, analysts say. This is especially true for borrowers seeking larger mortgages. Self-employed borrowers also may need to jump through additional hoops to get a home loan.

"There are all sorts of ways to prove income, but what's no longer at the table is just asserting that you make X dollars per year," says Julia Gordon, director of housing finance and policy for the Center for American Progress and former manager of single-family policy at the Federal Housing Finance Agency.


What will change for jumbo loans?Mortgage professionals in high-cost areas say they worry that the new rules may create obstacles for some borrowers seeking large loans to buy or refinance a home. That's partly because a mortgage that falls outside of the conforming and Federal Housing Administration loan limits (which vary between $417,000 and $729,750) will not be considered a qualified mortgage if the borrower's debt payments exceed 43 percent of monthly income.

About 9 percent of jumbo loans issued in 2012 went to borrowers with debt-to-income ratios higher than 43 percent, CoreLogic data show.

"A 45 percent debt ratio seems to be slightly more common than a 43 percent ratio these days, so lenders will most likely reduce their max ratios for nonagency loans," says Matt Hackett, operations manager for Equity Now in New York City.

Interest-only loans will be harder to findBorrowers who rely on interest-only loans will see changes, because loans that don't require borrowers to pay principal during an initial period are not considered a qualified mortgage under the CFPB's rules.

These loans were widely available during the housing boom and contributed to the crisis, as many homeowners couldn't handle the larger payments once the initial interest-only period expired. Most lenders have stopped offering interest-only loans, but they are still popular for jumbo mortgages and in high-cost areas.



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Bank of America Loan Modification Plan Requirements Explained Posted by admin On April - 27 - 2011

What does it take to get approved for a Bank of America loan modification?  What are the requirements for approval that homeowners need to meet in order to get a lower mortgage payment?  These are questions that most borrowers need answers to – and it is important to know the answers before you send in your application.  Here is some helpful information on the specific requirements used for the loan modification plan.

Bank of America Loan Modification Requirements:

The government has mandated that every homeowner who asks to be reviewed for this program must be given the chance and during the review process their home cannot be foreclosed.

  1. for owner occupied homes only – so it will not HAMP Loan Mod Program work for rental property or second homes.  Bank of America may have an in house plan that can be used on those types of loans.

  2. You must be facing a financial hardship situation – this means that due to circumstances out of your control your current mortgage payment is not affordable and you are at risk of default.  Loss of home value alone is not a valid reason for a loan modification – some good reasons are loss or reduction in income, increased expenses, medical bills, divorce, military, lack of reserves, high debt
  3. The  plan is only for loans with a balance less than $729,750 and those that were taken out before January 1, 2009.  Jumbo loans will not qualify, but you can request a Bank of America in house loan mod if your loan balance is too high.
  4. Your current mortgage payment must equal more than 31% of your household gross monthly income – this calculation is called debt ratio and it is a big part of the approval requirements.
  5. Your monthly income, monthly expenses and current bank balances must fit within a standard approval formula that Bank of America uses.  This is called the Waterfall Method of Modification-if your income is too high or too low you will not qualify.  You may want to Sample Budget-Automatically!

    run your own monthly budget through the loan modification software calculator in order to be sure that your figures are acceptable before submitting it for review.

Below you see that the mortgage loans above $417,000 are the jumbo loans.  As the article below this shows.......refinancing of jumbo loans in CA, NJ, NY, and FL over what was then this $417,000 limit sky-rocketed and Obama and neo-liberals in Congress raised that to $700,000 to cover that difference.....

IT WAS A DELIBERATE MOVE TO COVER WHAT WERE ILLEGAL REFINANCING ABOVE AMOUNTS SET BY THE FHA CREATING HUNDREDS OF BILLIONS OF DOLLARS IN PROFIT.  SEE WHY THIS NEW MORTGAGE RULE NOW FORBIDS THIS!  THE DEAL IS DONE!


So, we hear in the press that Jumbo Mortgages will not be included in Obama's bailout and then we see that indeed, jumbo loans are what was intended for bailout.  Think about the states committing these crimes all for billions in bank profits and the fact that most of them are neo-liberal. 


Three Options for Refinancing a Jumbo Home Loan With Reduced Income [Aug 5, 2009.]

For homeowners with home loan amounts of $417,000 or less, the Obama Administration's Home Affordable Refinance Program can help get that tough refinance done. This so-called "conforming loan limit" is acting as a sort of dividing line between those who are eligible for government mortgage refinance assistance and those who aren't.

It's not really a surprise, then, that many holders of jumbo home loans (loans above $417,000) are feeling a sense of hopelessness about refinancing their home loan. This hopelessness can set in especially hard for borrowers suffering from reduced income due to unemployment or cut hours.

But before giving up, consider these three options for refinancing a jumbo home loan:

1. Jumbo Loans May Qualify for the Home Affordable Modification Program

 Although it's true that the Home Affordable Refinance Program does not apply to jumbo loans, the Obama Administration's Home Affordable Modification Program does contain eligibility for certain jumbo mortgages. Check out the details of the program here.

Borrowers who are paying more than 31 percent of their income to housing expense (mortgage, taxes, insurance) may qualify for this modification program--even for jumbo home loans.

2. Get a Co-Signer

Not the most appealing option in the universe, sure, but tough times call for tough measures. If Mom and Dad are sitting on a paid off house, have ample retirement savings, and don't want to see their children (or grandchildren) suffer the impact of a foreclosure, co-signing may be the best option available.

Especially in the case of reduced income, Mom and Dad's income can make a difficult refi possible.

3. Contact (Harass) the Bank Repeatedly

Not to put it bluntly, but borrowers whose debt-to-income ratios have been skewed for the worse by reduced income have to work a lot harder for a jumbo loan refinance than the rest of America. Part of this hard work entails contacting a lender directly and trying to work out a plan that respects borrower circumstances.

But don't just base such arguments on an emotional appeal. If good credit history is there, if unemployment is the reason why a refi is temporarily impossible, if job leads are coming down the pike, mention all that and more. Develop a personal relationship with the lender if at all possible.

And use numbers to make it clear that a foreclosure is in no one's best interests. Here are some foreclosure cost figures that help make the point that refinancing is the best option for both the borrower and the bank.

_______________________________________________

FHA loan limit back up to $729,750


Tuesday November 22, 2011 11:30 AM By Ellen Yan


Home loan borrowers will once again be able to get federally guaranteed loans of up to $729,750 on Long Island -- but only from the Federal Housing Administration.

The new law that funds five federal departments, including the Department of Housing and Urban Development, did not extend the higher limit, which had expired Oct. 1, to loans guaranteed by mortgage finance giants Fannie Mae and Freddie Mac.

President Barack Obama on Friday signed the measure after the final congressional vote on Thursday. The Federal Housing Administration extension expires Dec. 31, 2013.

Republicans in the House had stripped the extension for Fannie and Freddie, which are overseen by the Federal Housing Finance Agency.

The report from House and Senate negotiators on the bill cited the two agencies' "questionable business practices" and "extravagant management bonuses."

The finance agency's acting director, Edward J. DeMarco, had defended millions of dollars in pay for Fannie and Freddie executives, saying "competent executives" were needed during these challenging times.

But congressional negotiators said they allowed the extension for FHA loans because it is subject to "greater congressional scrutiny."

The federally guaranteed loan limit was raised from $625,500 in 2008 as a temporary measure to give the housing market a boost. Federally guaranteed loans are less risky for investors, and when lenders sell these loans on Wall Street, this frees up capital for the lenders to lend again.

But as the loan limit was due to expire Oct. 1, supporters called for another extension because the housing market was still weak, while opponents saw it as a subsidy for the rich to buy expensive homes. Anything over the limit is considered a "jumbo loan," which usually carries higher interest rates and down payments.

Rep. Gary Ackerman (D-Roslyn Heights), who helped lead the charge to extend the limits, fired back at Republicans in a Friday statement: "By not fully restoring the loan limits, they have deprived a large portion of the housing market of its main source of liquidity in the middle of the most catastrophic housing crisis since the Great Depression."

He said he would push legislation to give Fannie and Freddie the higher loan limits.



_______________________________________________
Requiring 20% down for a FHA loan?????  REALLY????

SHOUT OUT TO THE FEDERAL AGENCIES BELOW THAT WE DO NOT WANT THESE DOWN-PAYMENT REQUIREMENTS!


What caused so many people with low-income loans to default was the fact that when families sign these loans they expect to have 30 years to pay them.  So, they know they will have to grow in income to meet these loans.  What they did not know was that Wall Street was blowing up the market and a crash would bring the conditions of long-term unemployment, lost retirements/savings from fraud that we have yet to have justice!  So, where some people were playing the loose lending and flipping houses.....most people were simply ordinary people feeling sure that in 30 years they could pay for those houses.  STATISTICS SHOW THAT WITH FHA LOANS IN THE PAST....THIS IS TRUE.

So, requiring this high of a down-payment is not necessary, it is simply to keep most people out of the home-ownership arena.  Keep in mind that 80% of Americans are now at poverty line.


FHA down payment - Wikipedia

A borrower's down payment may come from a number of sources. The 3.5% requirement can be satisfied with the borrower using their own cash or receiving a gift from a family member, their employer, labor union, or government entity.


Below you see that historically a 31% of income has been recommended, not required.  This new rule now requires a 45% of income and that is a huge jump for an agency created to help low-income people.

FHA Qualifying Ratio Explained

Also known as debt to income ratio, the FHA permissible qualifying ratio is simply expressed as the fraction of your gross monthly income that goes toward your monthly recurring expenses. The FHA permissible qualifying ratio is divided into two main categories:

  1. Mortgage Payment Expense to Effective Income Ratio: This ratio focuses only on your mortgage payment expense in relation to your gross income. The FHA guidelines recommend a qualifying ratio of 31 percent for your total mortgage payment expense to effective income. The FHA sets a higher ratio of 33 percent if your home qualifies under the Energy Efficient Homes (EEH) program.





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January 07th, 2014

1/7/2014

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DID YOU KNOW THAT MARYLAND IS ONE OF THE STATES NOT COVERING AUTISM AND THAT IS THE MOST DIAGNOSED NEUROLOGICAL  DISEASES TODAY BECAUSE OF DAMAGES FROM CHEMICAL EXPOSURES FOR ONE!  THE DEVIL IS IN THE DETAILS!

IN MARYLAND, WHAT DOES THIS SAY ABOUT JOHNS HOPKINS PUBLIC HEALTH? YOU KNOW IT RUNS ALL OF BALTIMORE AND MUCH OF MARYLAND PUBLIC HEALTH----AND IT IS A CORPORATION FOR GOODNESS SAKE!

PLEASE BE AWARE THAT THE FAILURE OF ACA AS A HEALTH REFORM IS NOT BECAUSE OF DEMOCRATS, IT IS BECAUSE OF NEO-LIBERALS.  IT IS A REPUBLICAN PLAN SIMPLY MEANT TO DISMANTLE PUBLIC HEALTH AND MAXIMIZE PROFIT.  SO, DON'T VOTE REPUBLICAN BECAUSE YOU ARE MAD AT NEO-LIBERALS.....RUN AND VOTE FOR LABOR AND JUSTICE!

YOUR POLITICIAN KNEW THIS WOULD BE THE RESULT!



Michael Riseup Stowell
I figured Obamacare was designed as a bailout for the insurance industry, and so I expected it to be disappointing - this journalist explains how: "Poor young people with zero disposable income are being asked to pay monthly premiums of $150 and more, and they’re opting out, inevitably sinking Obamacare in the process.

Those young people who actually do buy Obamacare plans—to avoid the “mandate” fine— will be further enraged when they attempt to actually use their “insurance...


Everyone knows I've been shouting for four years that this would be the result and your political pundit, media, and national labor union/justice leaders knew it too!  Labor no doubt backed this to save union rights but there is a point at which saving the bathwater and throwing out the baby comes into play.  Union members feel betrayed and citizens see the unions as working against their interests. 

CITIZENS HAVE TO COME OUT AND SHOUT AS OUR UNIONS ARE BETWEEN A ROCK AND A HARD PLACE.  STRENGTHEN UNIONS BY FIGHTING FOR THE BENEFITS PROMISED!



YOU CANNOT WAIT TO SHOUT OUT AND DEMAND EXPANDED AND IMPROVED MEDICARE FOR ALL AND DO NOT VOTE FOR ANY POLITICIAN THAT DOES NOT SHOUT THIS!


The article below is harsh on supposed progressive people backing what people in the know knew was bad for Americans.  The process of reform was built on making labor and justice desperate and divided and that is what happened.  I went to a progressive symposium four years ago in Washington with all the leading 'progressive' voices and shouted at that packed symposium that this would be the result and there was silence. 
If your incumbent chose silence then


THE SILENCE IS DUPLICITY.

January 06, 2014

Single-Payer is the Only Real Option The Left After the Failure of Obamacare by SHAMUS

COOKE it’s satisfying to watch rats flee a sinking ship.  This is because onlookers knew the ship was doomed long ago, and swimming rats signify that the drawn-out tragedy is nearing an end.  A collective sense of relief is a natural response.

The rats who propped up the broken boat of Obamacare are a collection of liberal and labor groups who frittered away their group’s resources—and integrity— to sell a crappy product to the American people.

Those in the deepest denial went “all in” for Obamacare— such as some unions and groups like Moveon.org— while the more conniving groups and individuals—like Michael Moore— playacted “critical” of Obamacare, while nevertheless declaring it “progressive”, in effect adding crucial political support to a project that deserved none.

But of course Obamacare was always more barrier than progress: we’ve wasted the last several years planning, debating, and reconstructing the national health care system, all the while going in the wrong direction— into the pockets of the insurance mega corporations.    A couple progressive patches on the sails won’t keep her afloat.  It’s shipbuilding time.

It was painful to watch otherwise intelligent people lend support to something that’s such an obviously bad idea.  So it’s with immense relief that liberals like Michael Moore, labor groups, and others are finally distancing themselves from Obamacare’s Titanic failure.   Now these individuals and groups can stop living in denial and the rest of us can proceed towards a rational discussion about a real health care solution.

The inevitable failure of Obamacare is not due to a bad website, but deeper issues.   The hammering of the nails in the coffin has begun:  millions of young people are suddenly realizing that Obamacare does not offer affordable health care.  It’s a lie, and they aren’t buying it, literally.

The system depends on sufficient young people to opt in and purchase plans, in order to offset the costs of the older, higher-needs population.    Poor young people with zero disposable income are being asked to pay monthly premiums of $150 and more, and they’re opting out, inevitably sinking Obamacare in the process.

Those young people who actually do buy Obamacare plans—to avoid the “mandate” fine— will be further enraged when they attempt to actually use their “insurance”.   Many of the cheapest plans—the obvious choice for most young people— have $5,000 deductibles before the insurance will pay for anything.   For poor young people this is no insurance at all, but a form of extortion.

At the same time millions of union members are being punished under Obamacare: those with decent insurance plans will suffer the “Cadillac” tax, which will push up the cost of their healthcare plans, and employers are already demanding concessions from union members in the form of higher health care premiums, co-pays, deductibles, etc.

Lower paid union workers will suffer as well.  Those who are part of the Taft Hartley insurance plans will be pressured to leave the plans and buy their own insurance, since they cannot keep their plans and get the subsidy that the lowest income workers get.   This has the potential to bust the whole Taft Hartley health care system that millions of union members benefit from, which is one of the reasons that labor leaders suddenly became outraged at Obamacare, after having wasted millions of union member’s dollars propping it up.

Ultimately, the American working class will collectively cheer Obamacare’s demise.   They just need labor and other lefties to cheer lead its destruction a little more fiercely.

Surprisingly, most of the rats are still clinging to Obama’s hopeless vessel, frantically bailing water.  Sure they’ve put on their life preservers and anxiously eyeing the lifeboats, but they’re also preaching about how to re-align the deckchairs.

For example, in his “critical” New York Times op-ed piece, Michael Moore called Obamacare “awful”, but also called it a “godsend”, singing his same tired tune.   Part of Moore’s solution for Obamacare—which was cheered on in the Daily Kos— is equally ludicrous, and follows his consistently flawed logic that Obamacare is worth saving, since its “progress” that we can build on.   Moore writes:

“Those who live in red [Republican dominated] states need the benefit of Medicaid expansion [a provision of Obamacare]…. In blue [Democrat dominated] states, let’s lobby for a public option on the insurance exchange — a health plan run by the state government, rather than a private insurer.”

This is Moore at his absolute worst.  He’s neck deep in the flooded hull of the U.S.S Obamacare and giving us advice on how to tread water.

Of course Moore doesn’t criticize the heart of Obamacare, the individual mandate, the most hated component.

Moore also relies on the trump card argument of the pro-Obamacare liberals: there are progressive aspects to the scheme—such as the expansion of Medicaid— and therefore the whole system is worth saving.

Of course it’s untrue that we need Obamacare to expand Medicaid.  In fact, the expansion of Medicaid acted more as a Trojan horse to introduce the pro-corporate heart of the system; a horse that Moore and other liberals nauseatingly continue to ride on.

But Moore’s sneakiest argument is his advice to blue states to  “…lobby for a public option on the insurance exchange…”

Again, Moore implies that it’s ok if we are “mandated” to buy health insurance, so long is there is a public option.  But that aside, the deeper scheme here is that Moore wants us to further waste our energy “reforming” Obamacare, rather than driving it to the bottom of the sea.

Moore surely knows that very few people are going to march in the streets demanding a public option at this point; he therefore knows that even this tiny reform of the system is unachievable. He’s wasting our time.  Real change only happens in politics when there is a surge of energy among large sections of the population, and it’s extremely unlikely that more than a handful of people are going to be active towards “fixing” Obamacare— they want to drown it.

Moore’s attempt to funnel people’s outrage at Obamacare towards a “public option” falls laughably short, and this is likely his intention, since his ongoing piecemeal “criticisms” of the system have only served to salvage a sunken ship.

Instead of wasting energy trying to pry Obamacare out of the grip of the corporations, Moore would be better served to focus exclusive energy towards expanding the movement for Medicare For All, which he claims that he also supports, while maintaining that somehow Obamacare will evolve into Single Payer system. 

IT WILL......MEDICAID FOR ALL!

Most developed nations have achieved universal health care through a single payer system, which in the United States can be easily achieved by expanding Medicare to everybody.  Once the realities of Obamacare directly affect the majority of the population and exacerbates the crisis of U.S. healthcare, people will inevitably choose to support the movement of Medicare for All, the only real option for a sane health care system.

Shamus Cooke is a social service worker, trade unionist, and writer for Workers Action (www.workerscompass.org).  He can be reached at shamuscooke@gmail.com


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Cutting a trillion from Medicare and then allowing health corporations decide how those cuts will be made.....by limiting patient access of course. THAT'S A NEO-LIBERAL FOR YOU!

As the American people are now calling for Expanded and Improved Medicare for All you see neo-liberals and Obama are busy dismantling that as a public health program.  First you make it too expensive to access and then you pass TPP which does not allow policy that prevents private profits in health care!

So, this isn't just the poor and working class losing their access, it is the seniors and disabled as well.  Those upper-middle class still affording to buy private insurance------about 5% of Americans!

Medicare reimbursement cuts threaten access to care

Published on March 29, 2013 at 1:26 PM ·News Medical

Physicians and patients alike are feeling the impact of Medicare reimbursement cuts that went into effect on January 1, 2013. With an additional 2% sequestration cut to roll out on April 1, it's likely that physicians who treat Medicare patients will be faced with difficult decisions as operating margins continue to shrink.

The the 2% cuts may seem modest, but they come on the heels of much larger cuts to reimbursement for nerve conduction studies (NCSs) of 40-70% for Medicare beneficiaries. These cuts were announced November 1, 2012, and went into effect on January 1, 2013, allowing providers little time to prepare.

While all Medicare providers are feeling the squeeze, private practices are likely to experience the most impact. "These cuts may force private practice physicians to choose between seeing Medicare patients and keeping their practice open," said Catherine French, AANEM senior analyst of medical economic affairs. French is concerned that the sequestration cuts will be adopted by private insurers, too. "It is possible that private insurers will follow suit and reduce reimbursement by 2% because most model their payment rates on Medicare."

Cuts Threaten Access to Care
According to Kristi Snihurowych, MD, a spine interventionalist in Salt Lake City, UT, the cuts pose a serious risk to access to care. Snihurowych has decided to discontinue EMG and NCS testing, which previously made up an eighth of her total practice. "Given the cuts, it's no longer feasible to perform these tests in-house. The problem is, I cannot find anyone to do them for me," said Snihurowych. "It seems everyone has had to give them up, and not just for Medicare patients. Providers anticipate that other payers will soon follow suit, so many have stopped offering EMGs all together."

Snihurowych suspects unnecessary and costly procedures will be among the cuts' ripple effects. "I am seeing patients go to surgery without a definitive diagnosis of, for example, carpal tunnel syndrome because the surgeons cannot get confirmation by an EMG or NCS test."

Utah-based physiatrist Faisel M. Zaman, MD, PC, agreed, "People will pay with their health. Of course there will be financial costs associated with unnecessary surgeries, but the biggest cost will be to the patients with scars and pain from procedures they didn't need."

Zaman is a spine specialist who has had several cases where an EMG has prevented patients from undergoing major surgery. In one case, a healthy and active 70-year-old male patient was referred by a vascular surgeon who thought the patient was experiencing symptoms of peripheral vascular disease. But the surgeon wanted to rule out spinal problems before he did a major bypass operation. Following EMG testing, the man was diagnosed with spinal stenosis.

"EMG was critical in this case," said Zaman. "It turns out that he is a great candidate for nonvascular treatments that will improve his condition. Without the lower-extremity EMG, he would have undergone major surgery. It's scary to think of the consequences to patients if the availability of EMG testing becomes more limited. Ultimately, it would hurt patients the most."

Claire Wolfe, MD, AANEM past president, has similar concerns regarding access to care. Nearing retirement and working part-time, she is the only physician performing EDX studies for an office of 23 physicians, as well as some outside referrals. Before the cuts, two other physiatrists in her office performed EMGs.

"There will be greater uncertainty around diagnoses of upper and lower limb pain/numbness; neck surgeries rather than carpal tunnel releases and vice-versa; delayed diagnoses of motor unit diseases; and delayed recognition of folks with metabolic disorders like diabetes if patients don't have access to an electrodiagnostic study that may catch peripheral neuropathy changes before the diagnosis of the underlying disorder is made," Wolfe said.

Unfortunately, the impact of the cuts may be long-lasting. "These cuts will significantly impact Medicare beneficiary access to appropriate management of their disabling neurologic disorders, limit further the number of neurologists who are currently seeing Medicare patients, and discourage budding physicians from the field of neurology," said Mohammed Zafar, MD, in response to an AANEM survey about the Medicare reimbursement cuts for EDX procedures.

Looking Forward
With the cuts to Medicare reimbursement, AANEM members are asking what can be done to protect their practices and to ensure access to care for patients into the future.




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As this article shows big PHARMA drives TPP and it will basically end a nation's ability to lower prices either with restrictions to generic brands or collective purchasing power as is sought in the US in the case of Medicare.  As you hear neo-liberals saying good-bye doughnut hole/co-pays for PHARMA.....they are working to be sure you won't be able to afford it.

Who is PHARMA?  Well, Bill Gates is PHARMA in his funding of research for drugs to prevent disease in Asian and African nations.  Was he really being philanthropic or just getting the jump on global PHARMA markets?  Johns Hopkins is now attached to its BIO-TECH branch that will market its patents coming from taxpayer funded research.  IT IS NOW PHARMA.

WE NEED TO BE ELECTING POLITICIANS SHOUTING FOR EXPANDED AND IMPROVED MEDICARE FOR ALL AND GETTING RID OF THE GLOBAL CORPORATE AFFORDABLE CARE ACT SUPPORTERS!

Notice this article was written in 2011----everyone in power has known this was coming that long-----DO NOT BELIEVE YOUR POL WAS KEPT IN THE DARK!


Conclusion: A New International Agreement on Pharmaceutical Price Regulation?

The TPP chapter may be best seen as a significant step toward the pharmaceutical industry’s ultimate goal, which is a binding international agreement on drug pricing that would restrain the ability of governments to use collective purchasing power to demand prices below “market” levels.



  For immediate release.


By Sean Flynn, sflynn@wcl.american.edu

Lima, Peru. on October 22, 2011

Among the US Trans Pacific Partnership (TPP) proposals leaked today was a proposed chapter on “Transparency and Procedural Fairness for Healthcare Technologies,” more widely known as the Pharmaceutical Pricing Chapter.

All countries negotiating the Trans Pacific Partnership agreement should reject this proposal, the primary goal of which is to regulate pharmaceutical reimbursement programs. This is an extreme proposal that has no place in a trade negotiation, particularly one with some of the poorest countries in the world.



Although the provisions are styled as “transparency” provisions, in fact they regulate the substance of drug pricing programs. The heart of the proposal would require that countries establish new administrative and judicial appeal systems to contest whether public drug reimbursement rates “appropriately recognize the value” of pharmaceutical patents. Similar provisions have led to higher drug prices and more challenges by pharmaceutical companies in the one country to implement similar provisions – Australia.[1]

At the core of this proposal is a false distinction between government reimbursement prices and “market” prices. Government reimbursement prices ARE market prices. Suppliers can refuse to supply to governments, just as they can with any private purchaser demanding a better deal. The fact that governments obtain better prices than atomized consumers does not make their roles as purchasers anti-market. Drug price restraint is a natural, inevitable and beneficial result of public health expenditure or any other form of pooled purchasing. Large purchasers in free markets obtain better prices; governments obtain better prices when they pool consumers and negotiate as a volume purchaser.

Raising drug prices is, of course, the goal of pharmaceutical companies pushing for these provisions. This point was explained by President Bush’s Ambassador to Poland in a recently released cable. He explained:

While pharmaceuticals companies often assert that they would be happy with a transparent process, even if it led to decisions not to fund their drugs, in practice they seem to resent all government measures aimed at cost containment, as these also inevitably limit drug companies’ sales.[2]

This proposal is contrary to the demands of democracy, is bad for the development interests of poorer countries, and represents an affront to best practices in evidence-based health policy, including such practices in the US.

  • Pharmaceutical price regulation is an inappropriate subject for closed door trade negotiations. The proposed pharmaceutical chapter regulates public health policy, not trade. This is perhaps most notable in the fact that the provisions apply to policies regardless of any trade distorting or discriminatory effect of the given policy. Using secretive trade negotiation processes to set minimum requirements for domestic health policy like this is democratically illegitimate. Enactment of reimbursement policies to advance public health outcomes lies in the core of domestic sovereignty. These policies do not affect a limited range of companies, justifying closed door processes where only those companies are meaningfully consulted. Public health policies affect all citizens and a wide variety of stakeholders that deserve to be included in policy making processes. Indeed, access to decision making processes that impact public health programs is an internationally recognized human right.
  • Pharmaceutical price regulation is an inappropriate subject for agreements with developing countries. This would be the first-ever international agreement regulating the efficacy of pharmaceutical price regulations in developing countries. The ability to regulate the prices of patented products directly is one of the most important TRIPS flexibilities. Without some kind of price control, patents on pharmaceuticals demonstratively and predictably lead to excessive pricing of medicines in developing countries with very high income inequality. This is because the most profitable behavior of an unregulated essential service monopolist in high inequality countries will be to price to the richest tier of the population. [3] All of the developing countries negotiating the TPP (Peru, Malaysia, Vietnam, and Chile) have been identified as having high medicine prices given their development level. [4] The case of Vietnam is particularly egregious – with local prices of patented medicines 46 times higher than international referents.[5]
  • The U.S. proposal would require bad public policy contrary to best practices in the US itself. Ironically and ominously, US drug pricing programs do not comply with the standards that the US is proposing. In particular, the operation of preferred drug lists by the Federal Medicaid program would violate the terms of the agreement, including because they do not provide appeals for pharmaceutical companies on whether the prices achieved adequately value patents. Previous FTAs with Australia and Korea carefully exempted all U.S. programs from their coverage, including through a footnote defining the federal Medicaid program as a “regional,” rather than “central,” level government program. That footnote has been removed from the draft TPP proposal. This may indicate that the US has not decided whether to propose exempting Medicaid from the TPP requirements or to give in to demands of other countries for full reciprocity in the agreement.
SECTION BY SECTION ANALYSIS

X.1: Agreed Principles. The agreed principles are verbatim restatements from the KORUS agreement. As in KORUS, they understate the role and importance of promoting affordability through pharmaceutical reimbursement policies. The provisions mainly discuss the promotion of “access” and “availability” of pharmaceuticals. The concept of affordability is mentioned only once. USTR’s recent white paper on TPP and medicines also defines “access” without reference to affordability concerns. One of the key purposes of drug reimbursement programs must be to promote affordable access to pharmaceuticals, not mere availability of the products themselves. This concern applies throughout the proposal.

X.2: Transparency Related to Healthcare Technologies. The provision creates a vague requirement that “all measures” related to pharmaceutical reimbursement be administered in an “objective” manner. This concept of “objective” administration of the law is not a current US legal requirement and is not defined in the agreement. What it means in this context is unclear, which may open opportunities for pharmaceutical companies to attempt to define it through litigation. What is a non-objective administration of the law? Would public interest standards violate the test? What about the choosing of drugs for a formulary based on a multitude of factors including price and availability decisions?

X.3: Procedural Fairness Related to Healthcare Technologies. This is the core section forcing countries to use formal rulemaking processes rather than market negotiations to determine reimbursement prices. International law should not determine this important policy choice. Countries must be free to use reimbursement programs as a player in the market rather than as its regulator.

X.3(a): The term “reasonable period” has no definition in the agreement or in US or international law. It invites litigation.

X.3(b): The requirement to disclose all methodologies used to negotiate drug prices is one of many rules forcing the government to operate as a price regulator rather than market participant. Private companies do not disclose such information to their suppliers.

X.3(c): The requirement to give notice and comment opportunities during reimbursement decisions prevents health authorities from using negotiation rather regulation to set drug prices. Private entities do not invite public comments on their negotiations with suppliers.

X.3(d): This is one of the most worrisome provisions in the text. The provision has two parts:

  • The first part encourages countries to abandon any economy of scale benefits from pooled purchasing through government and instead reimburse pharmaceutical companies at rates “consisting of competitive market-driven prices in the Party’s territory.” The restriction to “in the Party’s territory” was not included in previous agreements and is designed to restrict countries from the common practice of using international reference prices to determine reasonable reimbursement rates. This rule is not followed in the US. Medicaid programs receive discounts of up to 50% off the list price for pharmaceuticals due to their increased purchasing power. The provision is also practically unworkable since other large private purchasers in the market will not be under any obligation to disclose their “market-driven” prices.
  • The second part of this section, read with paragraph (i), provides that if countries do not set reimbursement prices at the “competitive market-driven” price, then they must provide companies with appeals of whether reimbursement prices “appropriately recognize the value” of patents. There is no objective measure of the “value” of a patent. Economists normally define value as a function of market price. But in a monopoly market for an essential good, particularly in countries with high income inequality, this market price will be excessively high absent government regulation. It is impossible to know how this provision would be implemented. It invites litigation and promotes uncertainty.
X.3(e): This provision mandates that countries allow companies to “apply for an increased amount” in reimbursement based on evidence of “superior safety, efficacy or quality.” This provision is potentially beneficial in embracing the idea that prices should be set based on efficacy rather than market value. Nonetheless, affordability concerns must also be an integral part of reimbursement decisions, but are not mentioned.

X.3(f): This provision mandates that governments allow companies to “apply” for reimbursements for additional medical indications for products. The provision has no requirement that the additional indications applied for first be approved by the government’s medical registration authorities. It rather suggests that the safety and efficacy information would be submitted directly to the reimbursement entity, side stepping regulatory authorities.

X.3(g, h, i): These provisions require that governments provide written reasons for every decision [(g) and (h)] and then provide an “independent appeal” of any reimbursement decision (i), presumably based on the substantive restrictions on reimbursement programs defined in X.2(d). These provisions will likely increase pharmaceutical company negotiating power to exact higher prices from governments through litigation threats.

X.3(k): This provision requires that all members of reimbursement committees be made public, presumably to enable targeted lobbying from pharmaceutical companies. Such lobbying can be detrimental to public decision making, especially when linked to unethical gift giving that has plagued pharmaceutical marketing in the US and elsewhere.

X.4: Dissemination of Information to Health Professionals and Consumers. This provision attempts to set drug marketing policy through trade agreements. It would mandate that countries allow certain kinds of direct-to-consumer and direct-to-physician marketing efforts over the internet. This is a subject currently subject to regulatory investigations in the US and would be contrary to the drug marketing laws of many countries. The provision would appear to make illegal a proposal by Representative Waxman that companies not be allowed to engage in certain kinds of direct to consumer promotion in the first three years of a drug’s time on the market.

X.5: Ethical business practices [no text]. As in other areas of the TPP, provisions protecting corporate concerns are well developed and those potentially protecting consumers are absent. This section should consider standards that would ban gift giving and other pecuniary relationships between pharmaceutical companies and prescribers or government health officials. It should ban off-label marketing of drugs. It should mandate private and public rights of action against fraudulent and misleading marketing practices.

X.6: Cooperation. As in the agreed principles, this provision appears tailored to promote a conception of “availability” that does not include affordability. The key concern of countries in the region, and in particular the US, should be on sharing information on how best to ensure the affordability of medicines in the context of the ongoing economic crisis.

X.7: Definitions. Few of the key terms in the agreement are defined, including “access,” “value,” “reimbursement” and “health care programs” as applied to the scope of coverage, “transparent,” “verifiable,” “objective,” “competitive-market derived,” “independent” as related to “appeal or review.”

X.7 fn 2. (US carve out?). In previous agreements with the US including pharmaceutical chapters, the US has claimed that they have no application to programs in the US. The KORUS agreement included a footnote stating: “For greater certainty, Medicaid is a regional level of government health care program in the United States, not a central level of government program.” This footnote has been criticized in the US for potentially leaving vulnerable other US programs that control prices on drugs in government programs, including through Medicare and the so-called 340b program. TPP removes this footnote form the proposed text and substitutes a bracketed place holder for clarification of the scope of application. This should be concerning to US health advocates and officials. A letter from several senior members of the US Congress, released during the Chicago round of negotiations, instructed that “TPP should not undermine either U.S. or other member countries’ current or prospective, non-discriminatory drug reimbursement policies and programs (e.g. Medicare, Medicaid, the VA, and other programs).” Vermont Governor Peter Shumlin wrote President Obama with respect to a possible TPP pharmaceutical chapter:

Even if a chapter was proposed that did include a Medicaid carve-out, state leaders believe it is inappropriate for U.S. trade policy to advance restrictions on pharmaceutical pricing programs that U.S. programs do not meet but for technical carve outs.[6]

Conclusion: A New International Agreement on Pharmaceutical Price Regulation?

The TPP chapter may be best seen as a significant step toward the pharmaceutical industry’s ultimate goal, which is a binding international agreement on drug pricing that would restrain the ability of governments to use collective purchasing power to demand prices below “market” levels.[7] This is a radical proposal that would move trade agreements completely beyond any pretense to regulate trade and instead directly regulate domestic regulation itself. If such an agreement is desired by countries, it should be negotiated in an open forum where public health experts and advocates are well represented, e..g the World Health Organization. This is a completely inappropriate subject for closed door trade negotiations.





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Selling this policy as helping to insure groups not previously covered is a ploy to hide the real mission and that is to end public health and programs that protect the public on health issues.  Does it matter if you have subsidized insurance coverage if you cannot pay to access it?  Of course not.  The ACA makes it sound as if people will gain access when in fact they are losing it!

Review of U.S. Health Care Law from a Human Rights Perspective

DGH Supports Medicare for All


Many misconceptions exist, both in the U.S. and abroad, about the health care reform law recently passed in the U.S. The Patient Protection and Affordable Care Act (PPACA) implements a series of health care and insurance related provisions to take effect over years -- most by 2014.

A recent report by the National Economic and Social Rights Initiative (NESRI) has published several documents that point out where this law has failed women, immigrants, and people of color.  

To briefly explain, the PPACA will extend health insurance to 32 million more Americans. Many will get insurance through Medicaid, a federal social insurance program for the poor, which will be expanded to cover all citizens and some legal residents up to 133% of the federal poverty level. The PPACA will subsidize insurance premiums for lower income individuals and families, and give financial incentives to businesses to provide health care benefits to employees. It initiates consumer protections from certain insurance company abuses such as being cut off (“rescission”) and discrimination against those with pre-existing conditions.  It will mandate that all legally residing U.S. residents obtain medical insurance, and state-based insurance “exchanges” will be established. It will establish a non-profit Patient-Centered Outcomes Research Institute to assess the relative outcomes, effectiveness and appropriateness of various treatments. Funding for community health centers and payments for primary care services will increase substantially. Cost sharing for preventive care will be eliminated, and it will also eliminate co-pays for prescription drugs for those with Medicare.

Although more people will obtain insurance once the law is fully in effect in 2014, this actually insures that more public and private funds will flow to pharmaceutical, insurance, hospital and other health care industry corporations. An estimated $447 billion in taxpayer money from the new law will go directly to the health insurance industry alone. While the PPACA creates some important consumer protections and will expand health care coverage for millions, it continues to strengthen a profit-driven and fractured approach to health in the U.S. It is far from a comprehensive system of health care for all.

Impact of the PPACA on marginalized and vulnerable groups

Under the new law, an estimated 23 million Americans will remain uninsured.  This translates to 23,000 unnecessary deaths annually, and preventable and unnecessary suffering for those who remain without access to healthcare. In addition, many previously uninsured will be mandated to spend a significant portion of their income on health care from private insurers and still may not have comprehensive coverage. On average, poor people will spend 10% of their income to cover 70% of health care expenses, with co-pays and fees still unaffordable for many  Medicaid expansion will largely be outsourced by the federal government to private insurance companies, raising concerns over for-profit abuse of Medicaaid. Federal payments to hospitals with a large proportion of uninsured and low-income patients will be lowered, limiting much needed services.

Under the new law, the health rights of women have been undermined.  Gender-based higher insurance rates for women will remain legal until at least 2017, and large employer based insurance programs will be exempt from the new PPACA provision on gender rating prohibition. Women’s reproductive rights have been eroded, as the law seriously restricts access to abortion by requiring segregation of federal insurance funds for abortion from all other medical services. This means that government funds to finance insurance programs in the PPACA cannot be used for abortion services except in cases of rape, incest, or if a woman’s life is in danger. Contraception is currently not considered a “preventive” service, so women may continue to pay for this out of pocket, despite the PPACA law that eliminates fees and co-pays for preventive services. 

Under the new law, documented immigrants are subject to the health insurance mandate upon entry to the U.S., but still face waiting periods of 5 or more years to qualify for government social services such as Medicaid. This means the large expansion of Medicaid under the new law excludes all recent immigrants. Undocumented immigrants will be unable to access state exchanges to purchase their own insurance. Nor will Medicaid (except in cases of medical emergency) or other social services be open to them. This continues a dire and inhumane practice for asylum seekers and undocumented immigrants that denies them essential health care. In addition, overly strict verification requirements for the exchanges may lead to an exclusion of many eligible applicants. 

Again, please share this information. The struggle is not over for fair, equitable, and comprehensive health care for all in the U.S.


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As we see below, the ACA was simply a policy preparing the US market for these TPP treaties.....and as you see the US is criss-crossing the world pressuring other nations to shed their public health because, after all, the US now sees health care as purely market driven.....as it does education.  GOOD BYE PUBLIC HEALTH !

If Obama and neo-liberals are working so hard overseas to end public health and create these TPP treaties that super-size corporate control of all public policy especially health care......DO YOU REALLY THINK THEY ARE SITTING ON CAPITOL HILL FIGHTING REPUBLICANS IN OUR BEHALF?????

REALLY?????




Public Health Advocates Must Derail the TranPacific Partnership

December 29, 2013


Kris Alman, Assistant Secretary of Health for Data Privacy

Without public input, fast-track passage of this treaty could jeopardize their important work with the threat of costly lawsuits that put profits over people.

The mainstream media should be ashamed of its minimal attempts at informing the American people about the TranPacific Partnership (TPP). Negotiated in secret, the TPP is NAFTA on steroids. It’s urgent we demand that Congress oppose a “fast track” of this treaty.

You may be muttering, “Why pay attention to this irrelevant issue?” After all, we’re too busy working long hours to buy cheap Nike shoes, iPads and apparel from retailers like Walmart to celebrate the Christmas® holidays.

Indeed, we are so busy buying stuff destined for landfills that we don’t realize we are disposable too. The wizards behind the curtain of the TPP are 600 corporate “advisors” for rich multi-national corporations that don’t care about public health, the environment and human rights. They care about profits—period.

Over the weekend, the New York Times published a front-page story, “Tobacco Firms’ Strategy Limits Poorer Nations’ Smoking Laws.” While the Times pointed out that the U.S. is among twelve Pacific Rim Countries completing talks on a major new trade treaty that will be a “model for the rules of international commerce,” they made no mention of the TPP. “Fast tracking” the TPP requires a complicit mainstream media—one that eliminates enough dots so citizens can’t connect them.

The Oregonian is no different. As a scribe for Nike, the Oregonian reports that the TPP would eliminate tariffs on sneakers (outsourced to manufacturers who pay low wages overseas) and magically, we'll have more high-paying jobs here! Money needs to circulate for a society to thrive. Since the 2008 recession, we’ve learned that money is heading in just one direction: upwards. Global trade agreements will further concentrate money and power when corporate boardrooms reward their executives—including Nike CEO Mark Parker.

A Nixon innovation, fast track limits Congress to a no-amendments, no-filibuster, simple majority vote on complex trade agreements—even though the rare Congressman or Senator has read the TPP. Fast track expired in 2007. A midterm election compels the most do-nothing Congress to make amends to their corporate donors. Passing fast track in early 2014 is a bipartisan agenda.

The TPP is much more than tariffs. There are twenty-nine chapters and only five chapters deal with traditional trade issues. In mid-November, Wikileaks released draft text of the TPP Intelligential Property Rights chapter. This text includes an investor-state protection clause that gives multi-national corporations the right to sue communities, states and nations enacting laws that might compromise future profits.

The TPP singles out tobacco as a health concern, but the Chamber of Commerce says this “would leave the door open for other products, like soda or sugar, to be heavily regulated in other countries.” The Chamber of Commerce sent a letter to U.S. Trade Representative Michael Froman, opposing the “last-minute inclusion of a product-specific reference to tobacco or any other product.” They claimed “the TPP nor any prior U.S. trade agreement prevents American officials from regulating in the public interest—period. Trade agreements only require that such measures be based in sound science…”

Like the “sound science” performed by Monsanto that “proves” GMOs are safe and labeling is a costly regulatory burden?  One of the lobbyists that co-signed the letter is the Grocery Manufacturers Association. The Grocery Manufacturers Association amassed $7.2 million (of over $22 million in the opposition coffers) to successfully oppose GMO labeling in Washington State. PepsiCo, Nestle USA and Coca-Cola each donated over $1 million to that Grocery Manufacturers Association slush fund.

Corporations are tribal when they collectively fight public health campaigns because it’s costly for corporations to also fight “sin taxes.” In 2010, these same corporations helped to raise over $16 million to pass Initiative 1107 which repealed a tax on candy and soda in Washington. This discouraged Upstream Health, a nonprofit in Oregon, to mount a similar campaign to tax sugary sodas in 2013, especially since they couldn’t get a hearing for the same bill in 2011. Yet there is no question that sugar-sweetened beverages promote obesity.

Since the mainstream media protects corporate interests, WikiLeaks came to the rescue in publishing the Intellectual Property chapter of the TPP. If you can't stomach Julian Assange, turn to Joseph Stiglitz, (Columbia professor and winner of the Nobel Prize for Economic Science in 2001), who wrote an open letter to the TPP negotiators. Sadly, we must look to blogs for this publication. Stiglitz concludes, "The investor state dispute resolution mechanisms should not be shrouded in mystery to the general public, while the same provisions are routinely discussed with advisors to big corporations.

The invisible hand of “free” market forces is what Milton Friedman calls “the possibility of cooperation without coercion.” In the current era of mass communication and micro-targeted advertising, corporations have the upper hand when they defend their ability to obfuscate harms, laying blame on people that should take “personal responsibility” for their consumer choices.

More than three-quarters of the world’s smokers now live in the developing world, too poor to fight corporate lawsuits that might arise if they try to place limits on advertising, packaging and sale of tobacco products. With deep pockets, corporations squelch the voice of public health advocates while they belittle consumer protections as the “nanny state.”

The TPP subordinates public health, the environment and human rights to corporate profits. As global citizens, we must take time to learn more about the TPP. Call Congress and demand NO FAST TRACK.

~ Kris Alman serves as Assistant Secretary of Health for Data Privacy in the General Welfare Branch of the Green Shadow Cabinet.




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Here you see an article written last year.  This information was available to all politicians and pundits that pushed the ACA as hard as they could.....knowing it simply prepared US policy for these TPP deals.

Know who shouted loudly and who was silent------silence in these cases is duplicity and in Maryland----all democrats are silent and neo-liberals have to go!


IF YOUR LABOR AND JUSTICE ORGANIZATIONS ARE NOT RUNNING CANDIDATES IN ALL PRIMARIES AGAINST NEO-LIBERALS -----THEY ARE NOT WORKING FOR YOU AND ME!

TPP’s Investment Rules Harm Public Health
27/06/2012
Trade officials from nine Pacific Rim nations—Australia, Brunei, Chile, Malaysia, New Zealand, Peru, Singapore, the U.S. and Vietnam— are in intensive, closed- door negotiations to sign a Trans-Pacific Partnership (TPP) free trade agreement in 2012. Every Pacific Rim nation from China and Russia to Indonesia and Japan could eventually be included. There are draft texts for many of this pact’s 26 chapters, most of which have nothing to do with trade, but rather impose limits on domestic food safety, health, environmental, and other policies. The governments won’t release the texts to the public. But over 600 U.S. corpo rate “trade advisors” have full access. America’s worst job-offshoring corporations, global banks, agribusiness, and pharmaceutical giants want this deal to be another corporate power tool like NAFTA (North American Free Trade Agreement.) Consumer, labor, environmental, and other public interest advocates want transparen- cy in the process and a “Fair Deal or No Deal.”

A major goal of U.S. multinational corporations for the TPP is to impose on more countries a set of extreme foreign investor privileges and rights and their private enforcement through the notorious “investor-state” system. This system allows foreign corporations to challenge before international tribunals national health, consumer safety, environmental, and other laws and regulations that apply to domestic and foreign firms alike. Outrageously, this regime elevates individual corporations and investors to equal standing with each TPP signatory country’s government – and above all of us citizens. This regime would empower corporations to skirt national courts and sue our governments before tribunals of private sector lawyers operating under UN and World Bank rules to demand taxpayer compensation for domestic regulatory policies that investors believe diminish their “expected future profits.” These regulatory policies can be anything from health and environmental protection to financial regulation. Indeed, under this regime, corporations can launch attacks on changes in government regulation surrounding patents and other intellectual property rights – something that can cast a chill on efforts to improve access to safe and affordable generics.

If a corporation “wins”, the taxpayers of the “losing” country must foot the bill. Over $350 million in compensation has already been paid out to corporations in a series of investor-state cases under NAFTA-style deals alone. This includes attacks on toxics bans, natural resource policies, health and safety measures, and more. In fact, of the over $12.5 billion in the 17 claims now pending under NAFTA-style deals, all relate to public health, environmental, and transportation policy – not traditional trade issues. Even when governments win, they waste scarce budgetary resources defending national policies against these corporate attacks.

A review of just some of the outrageous cases brought under this system highlights the extreme peril of these extreme investor privileges and their investor-state private enforcement being included in a TPP: 

Investor-state attack on cigarette plain packaging policies:

In the mid-2000s, countries from around the world signed onto the World Health Organization’s Frame- work Convention on Tobacco Control, which aims “to protect present and future generations from the devastating health, social, environmental and economic consequences of tobacco consumption and exposure to tobacco smoke by providing a framework for tobacco control measures to be implemented by the Parties at the national, regional and international levels in order to reduce continually and substantially the prevalence of tobacco use and exposure to tobacco smoke…”

In 2008, Uruguay began implementing its obligations under this framework, including through legislation to enhance tobacco warning labels and require plain packaging. In 2010, Australia followed suit. But before the ink was even dry on these efforts, Philip Morris launched investor-state attacks against both countries. While the company is widely considered a U.S. company, the U.S.-Australia Free Trade Agreement doesn’t have investor-state arbitration, thanks to the push-back of legislators in both countries at the time of negotiation. So Philip Morris used its Swiss and Hong Kong subsidiaries to launch the attacks, using Bilateral Investment Treaties. The company is requesting investor-state tribunals to block the Uruguayan and Australian legislation from going into effect, and to have taxpayers of these nations compensate the company.  

Justice for children poisoned by smelter imperiled by investor-state:

Citizens in La Oroya, Peru suffer from the toxic emissions from a metal smelter owned by Ira Rennert, one of the richest men in the United States.  

An in-depth scientific study of the site – deemed among the top 10 most polluted worldwide – noted that sulfur dioxide concentrations at La Oroya greatly exceed international standards, noting that the chemical “damages the respiratory system, aggravates existing respiratory illnesses (especially bronchitis), and diminishes the capacity of the lungs to expel foreign particles such as heavy metals. It leads to a higher mortality rate, particularly when combined with the presence of elevated levels of particulate material.” The study found that sulfur dioxide levels doubled in the years after Rennert’s acquisition of the complex. When Rennert’s company bought the smelter, it agreed to construct a sulfur plant by 2006, which  would help with environmental remediation. But the company did not, and requested – and was granted extensions in 2006 and 2009.  That same year, the company presented a proposal to the Peruvian authorities to restart the smelter if the environmental commitments were loosened. The Peruvian government refused, and by the end of the year, Rennert had launched an attack under the U.S.-Peru FTA, claiming at least $800 million in damages. Among other claims, the company argues Peru’s failure to grant additional extensions constitutes an FTA violation. Unfortunately, past tribunals have found that countries can violate FTAs by disappointing investors’ expectations. Rennert’s efforts seem to have succeeded in casting a chill on the Peruvian government, which is slated to loosen the environmental requirements that the company must meet.  

Canada reverses ban on toxic gasoline additive after investor-state attack, pays $13 million.

Ethyl Corporation was a Virginia-based chemical company with a long and controversial history. In the 1950s, Ethyl Corporation developed a new gasoline additive called methylcyclopentadienyl manganese tricarbonyl (MMT). MMT, an anti-knocking agent used to improve engine performance, contains manganese – a known human neurotoxin. MMT was banned from use in unleaded gasoline by California, which has its own clean air law, and by the U.S. Environmental Protection Agency, due to environmental and public health concerns. Against this background, the Canadian Parliament imposed a ban on the import and interprovincial transport of MMT in April 1997. 

Although the potential hazards to human health were not fully-known, Canada acted in a precautionary manner until more information was available, as had the state of California and the U.S. EPA. But on September 10, 1996, while the prospective ban was being debated in the Canadian Parliament, Ethyl Corporation notified the government of Canada that it would sue for compensation under NAFTA’s investment chapter if restrictions were placed on MMT. The Parliament withstood these threats and passed the ban a year later in April 1997. That same month, Ethyl filed a NAFTA investor-state claim against the Canadian government. Initially, Canada objected to the NAFTA suit. On June 24, 1998, however, the NAFTA panel rejected Canada’s claims, clearing the way for the case to move forward. Shortly after this initial ruling, the government of Canada decided to settle with Ethyl.  

On July 20, 1998, Canada reversed its ban on MMT, paid $13 million in legal fees and damages to the Ethyl Corporation, and issued a statement for Ethyl’s use in advertising declaring that “current scientific information” did not demonstrate MMT's toxicity or that MMT impairs functioning of automotive diagnostic systems. This case shows how investor-state rules can cast a chill on public interest regulation. 


Growing resistance.

The investor-state system is so extreme that it is losing whatever small political support it ever had. Australia has said it will not include investor-state in its trade deals, and the Korean opposition parties are promising to derail the pending Korea-U.S. trade deal unless investor-state is removed. Latin American countries are pulling out of various arbitration agreements that provide venues for these private corporate attacks. President Obama even campaigned against this system! But career bureaucrats and big business want to stay the course, no matter the cost.





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Johns Hopkins has used a trillion dollars in public taxpayer money to build its global health corporation.....a few billion in Baltimore alone as the city crumbles from lack of government revenues.  When questioned about paying corporate taxes since it is now a global corporation Hopkins stated 'we will not pay taxes'.  It now controls the entire City of Baltimore development and policies are all neo-con.

This is what the ACA is all about.  It is a mirror of the Clinton banking deregulation and consolidation and is only meant to create global health corporations like these.  Hopkins declared health institutions have never been more profitable as quality of care/access has plummeted. 


8 Health Systems That Created International Partnerships in 2013

Written by Bob Herman  | December 26, 2013 Becker's Hospital Review


Globalization is a major part of the business sector, and several U.S. health systems have also grown their roles internationally.

Several providers expanded their work and ideas into other countries. Here are eight hospitals and health systems that created some of the most significant international partnerships in the past year, starting with the most recent.

1. Irving, Texas-based Christus Health finalized a joint venture with Pontificia Universidad Católica de Chile, a Chilean university in Santiago. Under the agreement, the two will become equity partners in a Santiago, Chile-based health network called Red Salud UC. 

2. Brentwood, Tenn.-based RegionalCare Hospital Partners partnered with Nashville, Tenn.-based nonprofit LiveBeyond to open a hospital in Thomazeau, Haiti.

3. Sioux Falls, S.D.-based Sanford Health partnered with YMCI Calmette Medical Investment & Management Company, a state-owned health system in China's Yunnan province. Sanford launched its World Clinics initiative in 2007 to develop a series of pediatric clinics in the U.S. and around the world in areas lacking sufficient primary care services. It has since expanded the scope of the initiative to provide care for entire families.

4. Baltimore-based Johns Hopkins Medicine International signed an affiliation agreement with Hospital Moinhos de Vento of Porto Alegre in Brazil. 


DOES 'MEDICINE INTERNATIONAL' SOUND LIKE A CORPORATION AND NOT A NON-PROFIT?  YOU BETCHA, BUT THEY ARE STILL CATEGORIZED AS NON-PROFIT AS IS MEDSTAR, A NATIONAL HOSPITAL CHAIN!

5. University of Rochester (N.Y.) Medical Center and Chennai, India-based Apollo Hospitals discussed a potential affiliation. Apollo is one of the largest private hospital networks in its region, with 50 hospitals located across India and eight other countries in South Asia, the Middle East and Africa.

6. A July agreement between Kazakhstan's Nazarbayev University and Pittsburgh-based UPMC's Pitt School of Medicine will help NU open its first medical school

7. Winston-Salem, N.C.-based Wake Forest Baptist Medical Center announced its commercialization arm, Wake Forest Innovations, signed a memorandum of understanding with CHA Health Systems, based in Seoul, South Korea.

8. Cleveland Clinic signed a contract with an academic medical center in Beijing, where Cleveland Clinic physicians will consult on the opening of a new brain health facility.






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I showed recently that 80% of Americans have now been driven to the poverty line so will not be able to afford the premium payments much less the co-pays and deductibles.  THAT IS THE POINT! 

What they are doing is setting up a system of 'preventative care' that fills the entitlement system with the same kinds of health care that most of the health fraud exists.  OK, you get preventative care checkups that find you have HIV....how do you afford the treatment?  YOU DO NOT.  You do get placed in the database as having this illness and these lists will be available to corporations who then will not hire you.  You have no job, no access to basic health care for HIV and you die prematurely.  This same scenario plays for any of the chronic illnesses that require long-term treatment and we know most people will not afford treatment beyond the first level of care.  It systematically kills most Americans.


Why are they doing this?  Because these few decades health industry has been stealing hundreds of billions of dollars each year from Medicare and Medicaid so these Trusts are gutted by fraud.  Then, they dismantled all of the oversight in Medicare agencies and allowed profiteering with super-sized pricing that drained these Trusts----WE PAID FOR THE MEDICAL ADVANCES AND WE WILL HAVE ACCESS TO THEM!

FRAUD AND PROFITEERING IS THE PROBLEM AND OBAMA AND NEO-LIBERALS MADE THE AFFORDABLE CARE ACT ABOUT ELIMINATING ACCESS TO GET RID OF COSTS THAT CUT INTO PROFIT.

Everyone understands that simply having a few health incidents a year will end a family's ability to access more care!

Obamacare: Is a $2,000 deductible 'affordable?'

By Tami Luhby  @Luhby June 13, 2013: 6:23 AM ET


Participants may have different views on whether Obamacare plans are affordable.

NEW YORK (CNNMoney) Until now, much of the debate swirling around Obamacare has focused on the cost of premiums in the state-based health insurance exchanges. But what will enrollees actually get for that monthly charge?

States are starting to roll out details about the exchanges, providing a look at just how affordable coverage under the Affordable Care Act will be. Some potential participants may be surprised at the figures: $2,000 deductibles, $45 primary care visit co-pays, and $250 emergency room tabs.

Those are just some of the charges enrollees will incur in a silver-level plan in California, which recently unveiled an overview of the benefits and charges associated with its exchange. That's on top of the $321 average monthly premium.

For some, this will be great news since it will allow them to see the doctor without breaking the bank. But others may not want to shell out a few thousand bucks in addition to a monthly premium.

"The hardest question is will it be a good deal and will consumers be able to afford it," said Marian Mulkey, director of the health reform initiative at the California Healthcare Foundation. "The jury is still out. It depends on their circumstances."

A quick refresher on Obamacare: People who don't have affordable health insurance through their employers will be able to sign up for coverage through state-based exchanges. Enrollment is set to begin in October, with coverage taking effect in January. You must have some form of coverage next year, or you will face annual penalties of $95 or 1% of family income (whichever is greater) initially and more in subsequent years.

Each state will offer four levels of coverage: platinum, gold, silver and bronze. Platinum plans come with the highest premiums, but lowest out-of-pocket expenses, while bronze plans carry lower monthly charges but require more cost-sharing. Gold and silver fall in the middle.

The federal government will offer premium subsidies to those with incomes of up to four times the federal poverty level. This year, that's $45,960 for an individual or $94,200 for a family of four. There will be additional help to cover out-of-pocket expenses for those earning less than 250% of the poverty line: $28,725 for a single person and $58,875 for a family of four. The subsidies are tied to the cost of the state's silver level plans.


California offers insight into how much participants will actually have to pay under Obamacare. The state, unlike most others, is requiring insurers to offer a standard set of benefits and charges in each plan level. The only variables are monthly premiums, doctor networks and carriers in your area.

For those in need of frequent medical care, the platinum or gold plans would reduce out-of-pocket costs for treatment. These plans have no deductible, and doctors' visits and medication are cheaper. But the trade-off is that they have higher monthly premiums. California has not yet released the premium range for these tiers.

On the flip side, a young man who never visits the doctor and wants to minimize his monthly charge could opt for a bronze plan. A 40-year-old enrolling in this plan could pay as little as $219 a month. But, if he did get sick, he'd get socked with a $5,000 deductible, $60 co-pays for primary care visits and a $300 emergency room charge.

Obamacare provides protection for those who need a lot of care by placing a cap on out-of-pocket expenses. The maximum a person in an individual platinum plan will spend a year is $4,000, while those in the other tiers will shell out no more than $6,400.

"Insurance is expensive. It's hard for anyone who isn't well off to afford it," said Gary Claxton, director of the health care marketplace project at the Kaiser Family Foundation. "But it is good enough that you can afford to get sick without bankrupting yourself."

Whether potential enrollees find these plans affordable will depend on how healthy they are and whether they are currently insured.

Many individual insurance offerings currently available come with much higher deductibles, cover fewer expenses and limits on how much they'll pay out in a year. Plans on the exchange, on the other hand, are required to cover a variety of "essential benefits," including maternity care, mental health services and medication.

"In many cases, depending on the plan, the coverage will be more comprehensive than what the enrollee currently has," said Anne Gonzalez, a spokeswoman with Covered California, which is running the state's exchange.





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January 06th, 2014

1/6/2014

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IT MATTERS FOLKS WHERE WE GET THESE POLLING NUMBERS AND NOW THAT WE HAVE A WHOLESALE DISREGARD TO OVERSIGHT AND ACCOUNTABILITY BOTH NATIONALLY AS WELL AS STATE AND LOCAL DATA......WE NEED TO MOVE AWAY FROM RELYING ON THESE POLLING DATA.  THE POLLING CORPORATIONS ARE NOW OPERATING JUST AS THE WALL STREET RATING AGENCIES S & P AND MOODY'S......

THEY GIVE THE RESULTS THE 1% WANT TO SEE!




Do your own research and vote by that------do not be sheeple!!!!

This is a top election issue .....if your politician or justice organizations are not shouting that the integrity of polling especially for elections and political issues is now propaganda and not scientific polling......THEY ARE NOT WORKING FOR YOU AND ME!


Regarding the loss of integrity in US stats and polls:

By now everyone knows the poverty data Basu gave are not real.....but it is important to look at why he gives these stats and how this embracing of propaganda in US media affects world opinion.

Below we see why he is doing it.  First, it keeps citizens from knowing the reality of the severity of conditions and second to keep protests at bay and second, it reflects the attitude of the 1% that people falling into poverty no longer count---LITERALLY!


The goal of the last few decades was moving US wealth to the top and creating a level of poverty in the US that mirrors third world countries. This is how 5% of a population keeps the other 95% suppressed----poverty. 80% is getting to that goal....just wait for the massive crash of the economy next year. That will do it!

ALL THAT NEED BE DONE IS TO RUN LABOR AND JUSTICE IN ALL PRIMARIES AGAINST NEO-LIBERALS TO REVERSE THIS-----REINSTATING RULE OF LAW TO RECOVER MASSIVE CORPORATE FRAUD IS ALL THAT IS NEEDED!


When this article says 80% are near poverty.....we know that with a Living Wage at $15 an hour and poverty stats by US use 1960s cost of living to tally its figures.


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In the U.S. 49.7 Million Are Now Poor, and 80% of the Total Population Is Near Poverty

 Posted by PBSpot Admin      06 November 2013   

If you live in the United States, there is a good chance that you are now living in poverty or near poverty. Nearly 50 million Americans, (49.7 Million), are living below the poverty line, with 80% of the entire U.S. population living near poverty or below it.

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More interesting on corporate NPR was the report of US exporting its polling around the world with Gallup trying to get into the Afghanistan elections.  LOL!!!!  Gallup was shown to have released skewed data and polls in our US elections so we hear people around the world shouting RUN FROM US DATA AND POLLING!

I showed you the Gallup poll that had Obama and Hillary as the most admired in the US.....winning with just over 1,000 polled.  We all know a cohort this size with a 4% error is absolutely useless and yet it made every mainstream news media in the US.  No doubt they did this because they could only find 1,000 people in the US to say they admired Obama and Hillary or they simply polled the White House staff.  We have the same in Maryland as Gonzales and other agencies used for polling always seems to poll support for the governor's policies with a cohort of a few hundred.....again, probably the State House staff.

Raise your hands if you understand that sampling 403 Maryland citizens out of .......Maryland voter registration has 1,944,620 are registered as Democrats in 2010.......MEANS NOTHING!  EVERYONE.

Raise your hands if you know 3-5% margin of error means not statistically valid!!!!!!!!  EVERYONE.

Below you see the Maryland polling agency used the most and all of Maryland media repeat whatever is said.  Finding 400 democratic voters in Maryland who say they still have faith in Obama's performance.....who still believe the statistics put forward by O'Malley making him look like he did a good job.....and now want his protege Brown to win.....YES, IT LOOKS LIKE THE COHORT CAME FROM THE STATE HOUSE!


As a scientist I understand means testing and know that the margin of error needs to be extremely low to be acceptable for scientific research.  We do not need to be that low in these societal pollings, but we do know that once you go above 3% you lose any reliability in data.



Comparing percentages


In a plurality voting system, where the winner is the candidate with the most votes, it is important to know who is ahead.

Given the observed percentage difference p − q (2% or 0.02) and the standard error of the difference calculated above (.03), any statistical calculator may be used to calculate the probability that a sample from a normal distribution with mean 0.02 and standard deviation 0.03 is greater than 0.



 Embargo: 12:01 am Thursday, October 17, 2013
 
Gonzales Research & Marketing Strategies, Inc.
Methodology


This survey also includes an oversampling of 403 registered Democrats who indicated they were likely to vote in the June 2014 primary election. A cross-section of interviews was conducted in each jurisdiction within the state to reflect Democratic primary election voting patterns. The margin of error on this group is plus or minus 5 percentage points.


 President Barack Obama Job Approval
Among Maryland voters, 58% approve of the job Barack Obama is doing as president

Statewide, 48% of voters
approve of the job O’Malley
is doing as governor

 Democratic Primary
Forty percent of Maryland Democratic primary voters have a favorable opinion of Anthony
Brown  


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As the interviewee stated in this report, these polls will only be used as propaganda in Afghan elections as they are now in the US.  Look below to see again, Gallup is taking 1,000 polling samples within each nation polled.....1,000!!!!!! 

THIS IS HOW YOU KNOW THE POLL IS ONLY ABOUT PROPAGANDA BECAUSE IT MEANS NOTHING!

Will Afghan Polling Data Help Alleviate Election Fraud?

by Sean Carberry
January 06, 2014 5:07 AM



The U.S. Embassy in Kabul has commissioned a series of polls to see who Afghans favor in the April election. But between security challenges and "social desirability" biases, it can be difficult to impossible to get a clear read of the Afghan people.


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'Gallup conducts surveys in 160 countries and is committed to doing so for the entire century. The Gallup World Poll provides a scientific window into the thoughts and behaviors of 98% of the world's residents through nationally representative samples. It is the only global study of its kind in existence'.


Global Gallup Poll: US Voted Greatest Threat to World Peace

The polling agency Gallup recently asked about 1,000 people in each of 68 different countries which country they believed was the biggest threat to world peace.


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Below you see an analysis that shows how a major US polling organization, Gallup has been wrong over and again by wide margins and these sample sizes are part of the reason.  More importantly is the movement of polls to being propaganda rather than true stats with integrity and honesty of reporting as the goal.  You see, when the people behind them are part of the lying, cheating, stealing group....THE STATS BECOME IRRELEVANT.  

MARYLAND KNOWS THAT BETTER THAN MOST STATES AS ALL DATA BY STATE IS SKEWED.


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Look below at my last article on reliability in research design and how polling data used to be the realm of public universities who took integrity and broad information collection seriously.  Then think about what Gallup, Gonzalez and all other mainstream polling agencies are giving us.  We need to go back to strong public universities working in the public interest and this includes the value of polling!


 'To be clear, I would not recommend disregarding the Gallup poll. You should consider it — but in context.

The context is that its most recent results differ substantially from the dozens of other state and national polls about the campaign. It’s much more likely that Gallup is wrong and everyone else is right than the other way around'.


In National Polling, It’s Gallup vs. the Rest



By NATE SILVER
Published: October 19, 2012

   

The Gallup national tracking poll now shows a very strong lead for Mitt Romney. As of Friday, he was ahead by six points among likely voters, having led by seven points on Thursday.

However, the poll’s results are deeply inconsistent with the results that other polling firms are showing in the presidential race, and the Gallup poll has a history of performing very poorly when that is the case.

Other national polls now show a very slight lead for President Obama on average, while state polls continue to indicate a narrow advantage for the president in tipping-point states like Ohio. The FiveThirtyEight forecast has Mr. Obama as a modest favorite in the election largely on the basis of the state polls.

The Gallup poll is accounted for in the forecast model, along with all other state and national surveys.

There are two major pieces of information that we’re looking to extract from each poll. One is simply the raw number — who is ahead or behind? The other is the trend it shows in the race — which candidate is gaining or losing ground?

Different types of polls are relatively more or less useful for these purposes. Because national tracking polls like Gallup are published every day, they are useful for the trend part of the calculation.

There are six national tracking polls published most days. The others are from Rasmussen Reports, Ipsos, the RAND Corporation, Investors’ Business Daily and United Press International. (A seventh daily tracking poll, from Public Policy Polling, made its debut on Thursday.)

But of the daily tracking polls, the Gallup survey receives the largest weight in the model’s trendline calculation. It uses a larger sample size than most other polls, and its methodology includes calls to cellphone voters.

On the other hand, our pollster ratings are also based in part on past accuracy, and Gallup’s performance is middling in that department.

The Gallup poll seems to have an outsize influence on the subjective perception of where the presidential race stands, however — especially when the poll seems to diverge from the consensus.

This simply isn’t rational, in my view. Usually, when a poll is an outlier relative to the consensus, its results turn out badly.

You do not need to look any further than Gallup’s track record over the past few election cycles to see this.

In 2008, the Gallup poll put Mr. Obama 11 points ahead of John McCain on the eve of that November’s election. The average of the 15 or so national polls released just before the election put Mr. Obama up by about seven points.

The average did a good job; Mr. Obama won the popular vote by seven points. The Gallup poll had a four-point miss, however.

In 2010, Gallup put Republicans ahead by 15 points on the national Congressional ballot, higher than other polling firms, which put Republicans an average of 8 or 9 points ahead. In fact, Republicans won the popular vote for the House of Representatives by about seven percentage points — fairly close to the average of polls, but representing another big miss for Gallup.

The Gallup poll also has often found implausibly large swings within a race. In 2000, for example, Gallup had George W. Bush 16 points ahead of Al Gore among likely voters in polling it conducted in early August. By Sept. 20, about six weeks later, the firm had Mr. Gore up by 10 points instead: a 26-point swing over the course of a month and a half. No other polling firm showed a swing remotely that large.

Then in October 2000, Gallup showed a 14-point swing toward Mr. Bush over a few days, and had him ahead by 13 points on Oct. 27 — just 10 days before an election that ended in a virtual tie.

After the Republican convention in 2008, Gallup had Mr. McCain leading Mr. Obama by as many as 10 points among likely voters. Although some other polls also had Mr. McCain pulling ahead in the race, no other polling firm ever gave him more than a four-point lead.

It’s not clear what causes such large swings, although Gallup’s likely voter model may have something to do with it.

Even their registered voter numbers can be volatile, however. In early September of this year, after the Democratic conventions, they had Mr. Obama’s lead among registered voters going from seven points to zero points over the course of a week — and then reverting to six points just as quickly. Most other polling firms showed a roughly steady race during this time period.

Because Gallup’s polls usually take large sample sizes, statistical variance alone probably cannot account for these sorts of shifts. It seems to be an endemic issue with their methodology.

To be clear, I would not recommend disregarding the Gallup poll. You should consider it — but in context.

The context is that its most recent results differ substantially from the dozens of other state and national polls about the campaign. It’s much more likely that Gallup is wrong and everyone else is right than the other way around. 



__________________________________________
What we are seeing with US polling is a direct attempt to frame all US political issues under the guise of polling.  The way polling questions are asked or not asked and who is in the cohort overs the American public nothing but mis-information.

When a poll asks a general question like DO YOU SUPPORT THE IMMIGRATION BILL rather than having a question that offers categories important to the immigration policy found in that bill.....you skew the results.  They know it and so do we.  It is also how they kill any approach to getting all political views on an issue aired.

POLLING HAS NOW BECOME THE MEANS TO CAPTURE ALL POLITICAL TALK ON ALL ISSUES!


Polling used to be done by public universities for the most part and involved extensive attention to integrity and detail just as if it were a scientific data activity.  Academics did due diligence to collecting the data needed for polling because they used those stats for public research.  Now, public universities have been made into corporate branches and you see very little time placed by universities in this because it is not cost-effective!  Meanwhile, the corporations allowed to dominate the polling arena now find the costs of real polling not necessary and give us these useless data collected as cheaply as possible....


THAT'S NAKED CAPITALISM FOR YOU!!!!



Reliability in Research Design

January 3, 20092By ActiveCampaign

When I think of reliability I imagine always knowing what to expect.  If a person is able to produce the same quality work consistently then they are considered reliable.  You see it in sports all the time. Certain players have a knack for coming through in key situations no matter how late in the season or how worn down they are.   However, I can imagine few jobs that require more reliability than a surgeon.  Having an off day for them could prove disastrous. For a measure to be reliable it must demonstrate consistency as well as repeatability.  When carrying out research our results should be accurate across a range of measurements.  In surveys you would like to think that you would get the same response no matter what mood your respondent is in but that is not always the case.   A surgeon must deal with difficult situations while showing the same precision and reliability.  That is a quality to be admired but you can not always expect everyone to act like a surgeon at all times.  It’s also possible that your respondent won’t know what you mean when you ask them a certain question resulting in an answer that is entirely different from what you are attempting to measure.



Test-retest Reliability

If your survey respondent had to take your survey again would they answer the same questions the same way?  Test-retest reliability measures reliability over time.  A number of factors can affect reliability over time such as a person’s mood, time of the day, where the questions are placed in the survey (context effect), circumstantial events, vagueness, etc.  A good test will take into account factors that may influence survey results over time and minimize them so that results show little variation. If a test is unreliable then any one of a number of factors can lead to varying results depending on when the question is asked.  In general the more time a person takes between retesting the more variation you can expect in the responses.

If you ask Joe Q what he thinks about Candidate X on Tuesday he may view him favorably because X gave a really good speech on Monday.   Say Candidate X is indited later in the week in a corruption scandal.  Joe previously indicated that a candidate’s integrity is very important.  Last week he said that he was leaning toward Candidate X.  Now that Candidate X has been exposed you may think he is likely to give you a different response if you asked Joe the same question next Tuesday.   The reliability of opinion polls can be doubtful depending on the questions we ask because opinions tend to fluctuate over time.  What does Joe Q mean when he rates integrity as very important?  Perhaps Joe Q considers anyone that shares his ideology to have integrity.  Its possible that Joe Q would vote for Candidate X no matter what he thought of him personally because they share the same ideology.  Probing Joe’s past voting record would be more indicative of voter preference than asking a subjective question about integrity.  Asking him more objective questions that would not fluctuate from week to week would have higher test-retest reliability.

Parallel Forms Reliability

Another challenge reliability faces is in knowing what the best questions to ask are.  What does Joe Q mean when he rates integrity as very important?  Could we come up with better questions to predict how voters like Joe Q would vote? Another way to improve the reliability of a survey is to ensure that it is representative of the data you are trying to collect.   To do this increase the sample size.  If you are gathering research to find out whether voters like Joe Q are likely to vote for Candidate X then you need to find more people like Joe and ask them different questions or question sets based on the same construct.

You come up with a large set of questions to ask in your survey.  The construct that you are measuring is voter preference. The large question set is split in half and you administer each set to half of the targeted population.  You can then take a look at which questions are better indicators of voter preference. This combines what is known as a split test method with parallel form evaluation.

You can use parallel forms to measure a construct for people that are not like Joe Q.  Here you would divide a population that is representative of all likely voters in two.  Develop a large question set that measures a particular construct and then administer to each half of your representative population.  Now you can learn which questions are better indicators for voter preference for a representative population.

Inter-rater Reliability

This is necessary if you are conducting your survey using an interview process.   If  multiple people are interviewing Joe Q to ask what his opinion on politics is then inter-rater reliability measures the degree to which the observers agree.  This is the best way to measure reliability if you are using observation for your research.

Internal Consistency Reliability

The purpose of asking questions in surveys is to assess a particular construct or idea.  Therefore different questions that measure the same construct should yield similar results.  Reliability is determined on the basis of whether results are consistent for different items that measure the same construct.  For example, you could check for reliability on your survey by asking a respondent two similar questions meant to measure the same thing.

  • Average Inter-Item Correlation – when we ask a respondent two similar questions to measure the same construct.  This compares correlations between this and any other paired questions to measure the same construct by calculating the mean of all paired comparisons.
  • Average Itemtotal Correlation – where you take the average inter-item correlation and calculate a total score for each item.
  • Split-half Correlation – you divide items that measure the same construct into two tests,  apply them to the same group of people, and calculate the correlation between the two scores.
  • Cronbach’s Alpha – when we calculate the average split half estimates from a sample population.
In order to draw conclusions, formulate theories, or make generalizations about your research you need to ensure the reliability of the data you collect.  In general reliability is threatened when assessments are taken over time, rely on different standards of judgment, or assessments are highly subjective.  You can improve reliability by ensuring that your surveys are written clearly and without ambiguity.  You should construct your response options so that they are appropriate and meaningful.

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    Cindy Walsh is a lifelong political activist and academic living in Baltimore, Maryland.

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