Karen Pollitz
Kevin Lucia
Jennifer Libster
Eliza Bangit
Leyland McGann
GEORGETOWN UNIVERSITY
HEALTH POLICY INSTITUTE

April 2008

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

The authors also wish to express appreciation to the staff of the District of Columbia Department of Insurance, Securities and Banking and the United States Department of Labor.  Their help was invaluable in our research and understanding of applicable laws and policies.  Without them, this guide would not have been possible.  However, any mistakes that may appear are our own.