Karen Pollitz
Leyland McGann
Kevin Lucia
Eliza Bangit
Jennifer Libster

GEORGETOWN UNIVERSITY
Health Policy Institute

June 2008

The authors wish to express appreciation to Elizabeth Hadley, Jennifer Hersh, Robert Imes, Mila Kofman, Stephanie Lewis, Lauren Polite, Jalena Specht, and Nicole Tapay for their work developing the earlier editions of these guides.

The authors also wish to express appreciation to the staff of the Alabama Department of Insurance and the United States Department of Labor. Their help was invaluable in our research and understanding of Alabama state and federal law and policy.  Without them, this guide would not have been possible.  However, any mistakes that may appear are our own.