Karen Pollitz
Jennifer Libster
Leyland McGann
Eliza Bangit
Kevin Lucia

GEORGETOWN UNIVERSITY
Health Policy Institute

March 2008

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

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