Karen Pollitz
Jennifer Libster
Eliza Bangit
Kevin Lucia
Mila KofmanGEORGETOWN UNIVERSITY
Health Policy Institute

January 2006
 
The authors wish to express appreciation to Nicole Tapay, Lauren Polite, Jalena Specht, Elizabeth Hadley, Robert Imes, Stephanie Lewis, and Nadja Ruzica for their work developing earlier editions of these guides.

The authors also wish to express appreciation to the staff of the Pennsylvania Insurance Administration 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.