UCDU - New Changes are Happening Now!

FOR IMMEDIATE RELEASE: The Independent Auto Dealers Association of Utah is becoming the Used Car Dealers of Utah. This name change will help promote awareness and recognition on Capitol Hill as well in public facing communications. The UCDU is excited with the new mission and direction that have come as a part of the name change and looks forward to continuing to educate, advocate, and promote, for the used car dealers in Utah.

With the name change the UCDU will also be launching a new website located at www.usedcardealersofutah.com this new site will include innovative new tools for the industry, as well as information for consumers regarding the safe purchase of a used vehicle in Utah.

It will also include a set of new members services. These new services will be designed to assist the member dealers in creating an excellent buying experience for consumers as well as promote sound business practices for successful car dealerships in Utah.

Contact:

Joshua Wayman

joshua.wayman@associationsutah.com

801-566-5620

The Big Tax Question of 2013

How will Congress resolve these issues?

Presented by Mark K. Lund, Wealth Management Advisor, Investor Coach

Decisions must be made. In the next month, Congress will address several major tax matters. Here are the big questions looming.

The Bush-era income tax cuts. Will the current 10%-15%-25%-28%-33%-35% federal tax rate structure give way to 15%-28%-31%-36%-39.6% tax brackets in 2013? After the election, some analysts feel a compromise will be struck to maintain some of the Bush-era cuts for another year. In 2013, you may see the 10%, 15%, 25% and 28% brackets being retained while the wealthy face higher taxes.1

Tax rates on capital gains & dividends. Right now, dividends and most long-term capital gains are taxed at either 0% or 15% (depending on the income tax bracket you fall into). In 2013, dividends are scheduled to be taxed as regular income (cf. 15%-39.6% tax brackets above) and the capital gains tax rates are set to increase to 10% and 20%. So will dividend taxes and capital gains taxes only increase for the rich in 2013? That may very well turn out to be the case.2

Estate & gift taxes. President Obama’s proposal has the U.S. returning to a top estate tax rate of 45% with a $3.5 million exemption. In other words, estate taxes would return to 2009 levels as opposed to 2001 levels (55% top rate, $1 million exemption), which is what would happen if the Bush-era cuts simply expired. While Sen. Orrin Hatch (R-UT) and others in Congress have called for an end to estate taxes, many analysts think they will return to 2009 levels as a byproduct of Obama’s re-election. Will we see a unified gift and estate tax in 2013? That is a possibility, though not a given. It could be that the lifetime gift tax exemption becomes $3.5 million in 2013 (it is currently $5.12 million per individual with the unused portion of an individual exemption portable between spouses) with gifts past the exemption taxed at 35%. That would be better than the alternative: a scheduled $1 million exemption, along with a 55% maximum gift tax rate.2,3

The payroll tax holiday. Months ago, the consensus was that this would not survive into 2013. Yet last month, Rep. Christopher Van Hollen, the top Democrat on the House Budget Committee, told C-SPAN that it should be extended. Former Treasury Secretary and Obama administration economic advisor Larry Summers agrees. So it may live on for another year.4

The marriage penalty. Our federal tax code has a longstanding quirk: occasionally, married couples pay more in tax than they would if they were single filers. The Economic Growth and Tax Relief Reconciliation Act of 2001 attempted to lessen the penalty in two ways. It made the standard deduction for married joint-filing couples twice what it was for singles, and it made the bottom two tax brackets for those married and filing jointly twice as broad as for singles. In 2013, the marriage penalty could become more severe: the standard deduction for joint filers will be only about 167% of the standard deduction for singles and those widened joint-filer tax brackets are slated to narrow. As middle-income couples will probably face higher payroll taxes in 2013, retaining the current softer penalty seems likely.2

Child & childcare tax credits. Both of these credits are set to shrink next year. The child tax credit is supposed to be halved to $500, and the maximum childcare credits available to most parents ($600 for one child aged 12 or younger, $1,200 for more than one) are poised to drop to $480 and $960. Extending these credits into 2013 could amount to good PR for a disdained Congress.5

The American Opportunity Credit. In 2009, the up-to-$1,800 Hope tax credit was supercharged into the AOC: an up-to-$2,500 education credit which could be claimed for four tax years that include college education rather than two. In 2013, the AOC is scheduled to disappear with an $1,800 (or possibly $1,900) Hope credit slated to reappear. The AOC may be extended into 2013; again, it would be a popular move at a time when Congress is riding a wave of unpopularity.5,6

College expense deduction. Back in 2011, you could write off as much as $4,000 in tuition on your federal return. Some legislators would like to see this deduction made available again in 2013 and perhaps even made retroactively available for 2012. It would be a popular move and it could prove a nice “sweetener” on any bill addressing tax issues for the coming year.5

Charitable IRA gifts. Universities and retirees found the IRA charitable rollover quite useful, but it faded away at the end of 2011. Many in the education community (and some in Congress) would like to see it return for 2013, and given that tax hikes seem to be imminent next year, a big tax break like this might be offered pursuant to a Congressional compromise.5

IDLs & PEPs. In 2010, itemized deduction limits and personal exemption phase-outs were repealed. In 2013, they may return as the federal government seeks much- needed tax revenues.2

Mark Lund is a Wealth Management Advisor, Investor Coach, Speaker and author of, The Effective Investor. To get a free report, “9 Investor Mistakes To Avoid In 2013” go to www.StonecreekWealthAdvisors.com. Mark offers investment advisory services through Stonecreek Wealth Advisors, Inc. an independent fee-only Registered Investment Advisor Firm in Utah. You can reach Mark at 11650 So. State Street, Suite 360, Draper Utah 84020, Phone 801-545-0696.

Citations.

1 – money.usnews.com/money/blogs/the-best-life/2012/08/29/get-ready-for-5-key-money-changes-in-2013 [8/29/12]

2 – www.smartmoney.com/taxes/tax-policy/key-tax-issues-to-watch-postelection-1351019063876 [10/23/12]
3 - www.deseretnews.com/article/765589424/Sen-Orrin-Hatch-calls-for-end-of-estate-tax-as-Jan-2013-taxmageddon-looms.html [7/12/12] 4 - online.wsj.com/article/SB10000872396390444734804578066991225311524.html [10/18/12]
5 - www.marketwatch.com/story/14-tax-issues-to-watch-after-the-election-2012-11-01 [11/1/12]
6 - www.finaid.org/otheraid/hopescholarship.phtml [11/8/12]

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. 

2013 Standard Mileage Rates Up 1 Cent per Mile for Business, Medical and Moving

WASHINGTON — The Internal Revenue Service today issued the 2013 optional standard mileage rates used to calculate the deductible costs of operating an automobile for business, charitable, medical or moving purposes.

• 56.5 cents per mile for business miles driven

• 24 cents per mile driven for medical or moving purposes

• 14 cents per mile driven in service of charitable organizations

Beginning on Jan. 1, 2013, the standard mileage rates for the use of a car (also vans, pickups or panel trucks) will be:
The rate for business miles driven during 2013 increases 1 cent from the 2012 rate.  The medical and moving rate is also up 1 cent per mile from the 2012 rate.
The standard mileage rate for business is based on an annual study of the fixed and variable costs of operating an automobile. The rate for medical and moving purposes is based on the variable costs.
Taxpayers always have the option of calculating the actual costs of using their vehicle rather than using the standard mileage rates.
A taxpayer may not use the business standard mileage rate for a vehicle after using any depreciation method under the Modified Accelerated Cost Recovery System (MACRS) or after claiming a Section 179 deduction for that vehicle.  In addition, the business standard mileage rate cannot be used for more than four vehicles used simultaneously.
These and other requirements for a taxpayer to use a standard mileage rate to calculate the amount of a deductible business, moving, medical, or charitable expense are in Rev. Proc. 2010-51.  Notice 2012-72 contains the standard mileage rates, the amount a taxpayer must use in calculating reductions to basis for depreciation taken under the business standard mileage rate, and the maximum standard automobile cost that a taxpayer may use in computing the allowance under a fixed and variable rate plan.

The October 2012 NIADA Legislative and Regulatory Reports

Please find the most up-to-date reports from the NIADA Lobbyist firm, Federal Advocates, Inc. of Washington, DC and the Law firm, MacMurray, Petersen & Shuster, LLP, of New Albany, Ohio.

• Legislative Update (Oct)
• Regulatory Update (Oct)

These reports are also available to you at any time on the NIADA website.  Members are notified of the latest reports every month via our association eNotes newsletter.  If you are not currently receiving our newsletter, please contact Angela Ledbetter at the NIADA office.

Are You Ready? 12.12.12

Big changes are coming to the Independent Auto Dealers Association next month. The countdown has begun and will all take place on 12.12.12. Follow the countdown on the IADA website at www.UtahDealers.org.

The September 2012 NIADA Legislative and Regulatory Reports

Please find the most up-to-date reports from the NIADA Lobbyist firm, Federal Advocates, Inc. of Washington, DC and the Law firm, MacMurray, Petersen & Shuster, LLP, of New Albany, Ohio.

• Legislative & Regulatory Update (Sept)

These reports are also available to you at any time on the NIADA website.  Members are notified of the latest reports every month via our association eNotes newsletter.  If you are not currently receiving our newsletter, please contact Angela Ledbetter.

NIADA Dealer 20 Groups is Your Answer to Dealer Success

Want to improve your skills as a successful dealer? NIADA 20 Groups are your answer!!! They are an ongoing educational experience led by NIADA’s Joe Lescota…especially designed for you.

 

The first organizing Group, made up of dealers who do BOTH RETAIL and BHPH sales, is forming and will meet October 11-12 at the Dallas-Fort Worth International Airport. Group member set-up fee is only $995 with a $310 monthly composite analysis fee that includes phone consultations with Joe when needed…

 

                 And Guess What?  It’s TAX-DEDUCTIBLE!!!

 

You’re running out of excuses as to why you cannot take steps to improve your financial statement’s “bottom line”…

• It’s convenient
• It’s affordable
• It’s tax deductible
• It's on-going

Visit niada.com to hear more from the introductory video and to download the application.  For information, call 800-682-3837or contact Joe Lescota, Director of Dealer Development orGeorgia Brown, Director of Education.

OfficeMax Partner AdvantageSM Program Available to IADA Members

NIADA has teamed up with OfficeMax to introduce the OfficeMax Partner AdvantageSM program. As a member of the NIADA, you will enjoy substantial savings from 31% to 88% off more than 12,000 in-stock products and 3,700 environmentally preferable products. Start saving today on office supplies, furniture, technology and printing services. To start saving now contact OfficeMax customer service via email at AdvantagePrograms@officemax.com or to order via phone, call 1-800.248.6343 to speak with an OfficeMax rep.

NIADA Partners with Warrantech to Administer its All-New Certified Pre-Owned Vehicle Program

The National Independent Automobile Dealers Association (NIADA) has selected Warrantech, an AmTrust Financial Services company, to administer its all-new NIADA Certified Pre-Owned Vehicle Program (CPO).  The NIADA CPO Program is the premier certification option for independent automobile dealerships seeking to more effectively compete in the Certified Pre-Owned vehicle market.     

Warrantech, a leading provider of extended service contracts for the automotive industry will administer the plan, handle and address all post-sale customer needs, customize dealer and consumer marketing materials and work closely with NIADA’s state affiliate network to launch the program nationwide in May 2012.  This partnership allows for a perfect mix of NIADA dealers committed to superior quality and service and an industry leading Warranty Company that can give them the products & support their customers are looking for. 

“Our research is telling us that 65% of consumers begin their vehicle search looking for a Certified Pre-Owned vehicle and that number is growing,” said NIADA CEO, Mike Linn.  “NIADA is committed to helping our members give customers what they are looking for and offer a top-notch buying experience for car buyers in their communities.  We see the NIADA CPO Vehicle Program as a primary way for NIADA members to further separate themselves from their competitors and give customers a better vehicle with additional peace of mind after the sale.”  

“In re-tooling the NIADA CPO Program, we recognized independent dealer business models vary widely and that we had to offer additional CPO options to specifically meet the operational demands of our dealers,” said Steve Jordan, NIADA Chief Operating Officer.  “Warrantech’s successful track record with independent auto dealers, varying product offerings, world-class claims operation, nationwide sales footprint and long term commitment to support the success of our dealer members made the partnership decision easy to make.” 

“Warrantech is honored to have been selected by the 66 year old NIADA as their CPO Program Administrator.  We applaud the time honored tradition of excellence that NIADA member dealers observe, including their adherence to a strict Code of Ethics,” said Sean Stapleton, CEO of Warrantech.  “We feel this commitment mirrors Warrantech’s dedication to excellence and drive to provide superior products and continued quality customer service.”

Warrantech Senior Vice President, Mike Burgholzer added, “By providing both administration and underwriting, the all-new NIADA CPO Program will help dealers become more profitable and grow their businesses by providing significant incremental revenue through the sale of additional vehicles and extended service contracts.”  Burgholzer continued, “Additionally, this new plan will help dealers continue to build customer loyalty by insuring the ongoing reliability of their purchases.  It’s a win-win for both the dealer and the consumer.”

With three unique plans under the NIADA CPO Program, dealers will be able to select the option that is right for their market and their customer base.  These options include:

• 3 month / 3,000 miles limited warranty          

- Includes 36 months / 36,000 miles engine and AC component coverage

• 6 month / 6,000 miles limited warranty          

- Includes 36 months / 36,000 miles engine and AC component coverage

• 12 month / 12,000 miles limited warranty

These NIADA CPO limited warranty options will include coverage of: engine, air conditioner, turbo or supercharger, automatic and manual transmission, transfer case, drive axle, steering components, select electrical components, and seals and gaskets.

For more consumer choice and confidence, the NIADA CPO limited warranty options above can be supplemented by adding the NIADA Total Care or the NIADA Total Care Plus coverage that includes: front and rear suspension, brakes, fuel system, cooling system, and additional electrical components.

In addition to this important coverage, NIADA and Warrantech will provide dealers with comprehensive sales training on how to utilize the CPO program to sell more vehicles and extended service contracts, as well as marketing support which will include in-store signage and promotional materials.   For additional information regarding the NIADA CPO program please call (877) 310-0288. 

ChoiceHotels Discounts for Members

NIADA members can take advantage of discounts at over 6,000 participating ChoiceHotels properties worldwide by booking online at www.choicehotels.com or dialing 800-258-2847.  Please reference the NIADA Special Rate ID code on reservations booked in advance.   Save even more…sign up for Choice Privileges® rewards program (www.choiceprivileges.com/signup/niada) to earn points towards free nights or flights in addition to your discount!  It's fast and easy to join.  Please reference the NIADA Special Rate ID code along with your CP member # on reservations booked in advance.  Subscribe to the S.O.S. Sentinel, a complimentary e-newsletter, to get the most current news about Choice Hotels!  

NIADA Gets SiriusXM Radio as National Member Benefit

Sirius XM Satellite Radio is America's satellite radio company. SiriusXM broadcasts more than 130 channels, including commercial-free music, premier sports, live news, talk, comedy, entertainment, traffic and weather to more than 21 million subscribers. Only SiriusXM brings you more of what you love, all in one place. Independent Dealerships can now offer a free SiriusXM 3-month trial on all pre-owned vehicles with factory-equipped satellite radio. In addition to selling your customers a quality vehicle, you'll be giving them the opportunity to enjoy satellite radio. And why not, there's no cost to your customer. Visit www.siriusxm.com/niadaprogram to enroll your dealership today!

FTC Takes Action To Stop Deceptive Car Dealership Ads

FTC Alleges Dealers Falsely Promised To Pay Off Trade-ins, No Matter What Consumers Owed. Five car dealers around the country have agreed to Federal Trade Commission settlement orders that require them to stop running ads in which they promise to pay off a consumer's trade-in no matter what the consumer owes on the vehicle.

The FTC charged that the ads, which ran on the dealers' websites and on sites such as YouTube.com, deceived consumers into thinking they would no longer be responsible for paying off the loan balance on their trade-in, even if it exceeded the trade-in's value (i.e., the trade-in had "negative equity"). Instead, the dealers rolled the negative equity into the consumer's new vehicle loan or, in the case of one dealer, required consumers to pay it out of pocket.

Read More

How Cars Became Luxurious in 1940

What’s your favorite car feature? Heated seats? Automatic Windows? Remote locks?

With all the technology today, we’re pretty darn close to having our cars drive themselves…or fly. I’m sure that’s right around the corner.

Apparently 1940 was a pretty ground breaking year for cars. Previously, cars were very convenient, but uncomfortable. Luxury cars were introduced and became an over all representation of your wealth and social status.

Read More Now.

Joe Lescota named NIADA Director of Dealer Development

ARLINGTON, Texas (March 5, 2012) – Former Northwood University Automotive Department Chairman Joe Lescota has been named Director of Dealer Development for the National Independent Automobile Dealers Association, NIADA CEO Michael Linn announced.

He will begin his new duties June 1 after Northwood completes its spring semester. 

Lescota, who resigned as chairman of Northwood’s Automotive Marketing Department in February after 15 years at the university, will work closely with NIADA Director of Education Georgia Brown on the association’s dealer education initiatives as well as evaluating analytical data.

Lescota will continue to serve as lead instructor for NIADA’s Certified Master Dealer course, a position he has held since 2003. The CMD program will continue to be presented in conjunction with and accredited by Northwood University, as it has since it was created in 2001.

“I am very excited about my new role as Director of Dealer Development for NIADA,” Lescota said. “I have had the privilege of working with independent dealers for several years as the Certified Master Dealer instructor and at NIADA Conventions.  Now I will be able to expand and help develop a wider range of educational programs offered by NIADA. It's an awesome opportunity for me to work even closer and more frequently with NIADA members.”

Lescota is a former retail automotive executive with more than 25 years of frontline dealership, sales, management and training experience. He has served as a dealer operator and is credited with developing innovative management techniques leading to reduced employee turnover and increased customer retention and satisfaction. He has conducted workshops and seminars to help used car dealers increase their profitability and helped introduce college credit courses in dealerships nationwide via distance learning.

In 2011, Lescota was inducted into NIADA’s Ring of Honor for outstanding performance and leadership that has contributed to the professionalism and growth of the automobile industry, one of only 21 honored in the association’s 66-year history. He was named Man of the Year by the Association of Finance and Insurance Professionals in 2006 and is a five-time winner of Northwood’s Faculty Excellence awards.

“I’m looking forward to having Joe as a senior staff member on our educational team at NIADA,” Linn said. “Joe’s industry knowledge and professionalism will be a great addition for us.”

About NIADA

The National Independent Automobile Dealers Association (niada.com) has represented the used motor vehicle industry since 1946. NIADA assists its members in becoming more successful and is the industry’s legislative representative for protecting dealer and consumer interests. The association consistently generates valuable industry education and information, along with services and benefits designed to prepare members for an ever-changing marketplace. As a consumer-friendly association, automotive consumer information can be found at autoconsumer.tv

AutoZone’s Battery Tester Program

Rev up your revenue and get up to speed with many of AutoZone’s newest product and service offerings available only to NIADA Members.

In this episode, learn all about AutoZone’s Battery Tester Program, which includes a simple test that boosts profits while also improving customer satisfaction. With this program, dealer members receive earn-back rebates on two popular starting and charging testers. You’ll also learn how to take advantage of AutoZone’s Battery Consignment Program. Enjoy this month’s A2Z video!

Click "Watch Now" to view or visit www.niada.tv

HOW MUCH RETIREMENT INCOME WILL YOU REALLY NEED?

Many people underestimate lifestyle costs, medical expenses and inflation.
Presented by Mark K. Lund, Investor Coach.


What is enough? What is not enough? If you’re considering retiring in the near future, you’ve probably heard or read that you need about 70% of your end salary to live comfortably in retirement. This estimate is frequently repeated, but that doesn’t mean it’s true for everyone; it might not be true for you.
You won’t learn how much retirement income you’ll need by reading this article. You’ll want to meet with a qualified Investor Coach who can help you plan to estimate your lifestyle needs and short-term and long-term expenses.
With that in mind, there are some factors which affect retirement income needs; too often, they go unconsidered.

IRS Has $1 Billion for People Who Have Not Filed a 2008 Income Tax Return

WASHINGTON — Refunds totaling more than $1 billion may be waiting for one million people who did not file a federal income tax return for 2008, the Internal Revenue Service announced today. However, to collect the money, a return for 2008 must be filed with the IRS no later than Tuesday, April 17, 2012.
The IRS estimates that half of these potential 2008 refunds are $637 or more.
Some people may not have filed because they had too little income to require filing a tax return even though they had taxes withheld from their wages or made quarterly estimated payments. In cases where a return was not filed, the law provides most taxpayers with a three-year window of opportunity for claiming a refund. If no return is filed to claim a refund within three years, the money becomes property of the U.S. Treasury.
For 2008 returns, the window closes on April 17, 2012. The law requires that the return be properly addressed, mailed and postmarked by that date. There is no penalty for filing a late return qualifying for a refund.
The IRS reminds taxpayers seeking a 2008 refund that their checks may be held if they have not filed tax returns for 2009 and 2010. In addition, the refund will be applied to any amounts still owed to the IRS, and may be used to offset unpaid child support or past due federal debts such as student loans.
By failing to file a return, people stand to lose more than refunds of taxes withheld or paid during 2008. Some people, especially those who did not receive an economic stimulus payment in 2008, may qualify for the Recovery Rebate Credit. In addition, many low-and moderate-income workers may not have claimed the Earned Income Tax Credit (EITC). The EITC helps individuals and families whose incomes are below certain thresholds. The thresholds for 2008 were:

• $38,646 ($41,646 if married filing jointly) for those with two or more qualifying children,
• $33,995 ($36,995 if married filing jointly) for people with one qualifying child, and
• $12,880 ($15,880 if married filing jointly) for those with no qualifying children.

For more information, visit the EITC Home Page on IRS.gov.
Current and prior year tax forms and instructions are available on the Forms and Publications page of IRS.gov or by calling toll-free 800-TAX-FORM (800-829-3676). Taxpayers who are missing Forms W-2, 1098, 1099 or 5498 for 2008, 2009 or 2010 should request copies from their employer, bank or other payer. If these efforts are unsuccessful, taxpayers can get a free transcript showing information from these year-end documents by ordering it on IRS.gov, filingForm 4506-T, or by calling 800-908-9946.

Nissan & Dodge Announce Recalls

The two newest recalls revealed by the National Highway Traffic Safety Administration include vehicles from the current model year, one by Nissan and the other by Dodge.

The larger of the two recalls is for the 2012 Nissan Versa. Officials explained the 36,608 effected units failed to comply with the requirements of federal motor vehicle safety standard No. 114 titled, “Theft Protection.”

NHTSA discovered that due to interference between the shifter rod and the shift knob, the vehicles may be shifted out of the park position without depressing the brake pedal.

Read more: Auto Remarketing | Nissan & Dodge Announce Recalls 

Auto Affordability Improves; Consumer Confidence on the Rise

DALLAS — With auto affordability improving in the fourth quarter of last year, dealers may see an influx of shoppers on their lots who had held off buying a new vehicle due to rising prices. 

According to Comerica Bank, the purchase and financing of an average-priced new vehicle took 23.1 weeks of median family income in the fourth quarter of 2011. 

This marks the best affordability reading since the third quarter of 2009. 

On average, this drop in prices saved shoppers an average of ...


Read More in SubPrime News now: Click Here

Workers' Compensation Program from NIADA

NIADA Insurance Services partner Edward E Hall Auto Dealer Program announces new Workers’ Compensation Program offered nationwide.

Edward E Hall understands that Workers’ Compensation is a major cost for dealers and finding the right program is key to a Dealers’ bottom line.   We are well versed in providing competitively priced property and casualty programs to meet dealer needs.  The addition of workers comp is another example of how hard we work to offer affordable premiums for dealers from carriers that are committed to this industry niche.

To obtain a quote please call us at 1-888-302-4342, or email us at QuoteMe@edwardehall.com.

EEHall’s and NIADA Insurance Services exceptional insurance package products are available nationwide to Auto Dealers for garage liability, property, crime, inventory coverage and much more.

NIADA Health Insurance Program

A new highly competitive NIADA Health Insurance member benefit program is available to the NIADA membership!

This Health Insurance Program can help provide members, their employees, and families with comprehensive major medical insurance coverage. The program is brought to you by JLBG Health, the largest health insurance provider to Associations in the US.

Medical Coverage and Ancillary Benefits include: 

•Premium savings.

•A wide variety of choices for coverage from HSAs to PPOs for members, their employees or family.

•A shrinking deductible - a 20% deductible credit each year you do not meet your deductible.

•10% healthy member discount & preferred rates.

•Optional free Health Savings Account.

•Optional PPO or traditional health plan with extensive networks.

•Plans with a $20, $25, $30 or $40 co-pay for doctor visits.

•Wellness benefits and Prescription Drug Card.

•Worldwide coverage, 24-hours a day.

•Enhanced wellness benefits based on PPACA Guidelines effective September 23, 2010.

•Tele-Express, phone application - no paper applications to complete.

•Dental Insurance available with or without medical.

•Vision Insurance available with or without medical.

•Critical Illness coverage available that pays a cash benefit directly to you.

•Disability coverage available up to 15,000 per month benefit.

Note: Features are subject to state availability and may not apply to all physicians.

To learn more about the options available to lower your health insurance costs and maintain comprehensive coverage, visit NIADAHealthPlans.com for an INSTANT online rate or contact JLBG Health at 1-888-308-9340 for more details, physician rates, and a 15-minute phone application.