Karen Pollitz
Jennifer Libster
Eliza Bangit
Kevin Lucia
Mila Kofman

GEORGETOWN UNIVERSITY
Health Policy institute

January 2006

The authors wish to express appreciation to Nicole Tapay, Lauren Polite, Jalena Specht, Elizabeth Hadley, and Robert Imes for their work developing the first edition of these guides.

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