INSURANCE COMMITTEE MEETING
JUNE 30, 2009
1:30 P.M.
Members Present: Nikki Goodwin, Finance; Ted Lakey,
Administration; Lennetta Greene &
Elena Stackowicz, Human Resources; Wanda Biggs, Library; Rodney Tyus, Maintenance; Renee’ Scurlock,
Emergency Management; Joan Schairer
& Amber Barnes, Community Development; Sharon McRoy,
County Extension; Karen Indingaro, Road
Dept; Nancy Odom & Mary Carol Murdock, Tax Collector; Gail Collins, E911; Lola Allard, Soil
Conservation; Linda Cowan, Sheriff’s
Office; and Michael John Milton, Agent of Record.
Meeting began at 1:37 p.m.
Rodney Tyus called the
meeting to order to discuss clarification of the motion made in the last
insurance committee meeting re: the Florida Combined Life insurance package.
He stated that a question
was brought up a couple days after the meeting regarding not offering any other
dental besides the FCL and did that also mean that no other life policy can be
offered.
Michael John Milton said
that the FCL is a “group” voluntary package.
This does not include individual policies.
Currently the “group”
dental plan and voluntary term life plans are with Guardian Insurance. The “group” voluntary long-term disability
plan is with Unum. These are the policies
that will need to be changed over to FCL.
Mr. Milton said that he and
Ms. Lennetta Greene have discussed holding group meetings for information and
then for enrollment (should the Board of Commissioners approve the proposal
made by the insurance committee at their meeting on July 14th).
Ms. Joan Schairer made a
motion to present to the Board of County Commissioners the proposal made by
Florida Combined Life of the group voluntary dental (current plan design),
group voluntary life insurance, and group voluntary long-term disability
package in order to receive the 2.5% reduction in the renewal of group health
coverage. This package will replace
existing group coverage currently being offered by other companies for payroll
deduction.
The motion was seconded by
Wanda Biggs and carried unanimously.
Sharon McRoy
made a motion to propose to the Board of County Commissioners that all other
dental insurance be excluded from open-enrollment and payroll deduction.
The motion was seconded by
Joan Schairer and carried unanimously.
Mr. Tyus discussed with the
group the information Ms. Greene found out from her phone call to Edward
Jones. Mr. Hartshorne advised Ms. Greene
that the information Mr. Caldwell presented in the last meeting was incorrect. Mr. Hartshorne advised that Edward Jones
would NOT pay to have other deferred comp plans cancelled in order to take on
his product.
Mr. Hartshorne said that he
would like to attend the open-enrollment and offer his product to
employees. Should he receive 10 or more
enrollees that product could be payroll deducted.
Sharon McRoy
made a motion to allow Edward Jones to participate in open enrollment. The motion was seconded by Joan Schairer and
passed unanimously. This proposal will
be presented to the Board of County Commissioners for their approval at the
meeting on July 14, 2009.
Ms. Greene made mention of
an upcoming event for employees who are reaching age 65 and are looking to
retire. On July 8, 2009 at 1:30 p.m.
there will be a presentation by Blue Cross and Blue Shield in the Board of
Commissioners meeting room to discuss Blue Medicare and Plan F. In order to be eligible for the Blue Medicare
the person must be retired and have Medicare parts A & B.
Mr. Milton advised that the
rates for the retiree portion of Blue Cross and Blue Shield will renew on
October 1, 2009 at $249.38 compared to the current $183.37. Human Resources is
responsible for notifying the retirees of this increase in premium.
If the Board of
Commissioners approves the Florida Combined Life proposal that will be presented
to them on July 14, 2009, Mr. Milton and Ms. Greene plan to hold informational
meetings with the employees on July 15-17, 2009. A couple days later, Mr. Milton will come
back to the employees to fill out enrollment forms.
INSURANCE COMMITTEE MEETING
JUNE 16, 2009
1:30 P.M.
Members Present: Marie Roberts, Finance; Pam Pichard,
Administration;
Lennetta Greene, Human Resources; Wanda Biggs, Building; Rodney Tyus, Maintenance; Renee’ Scurlock,
Emergency Management; Joan Schairer
& Amber Barnes, Community Development; Sharon McRoy,
County Extension; Karen Indingaro, Road
Dept; Sylvia Stephens, Elections; Nancy
Odom, Tax Collector; Gail Collins, E911; Tony Wesley, Fire Rescue; Lola Allard,
Soil Conservation; and Michael John
Milton, Agent of Record.
Meeting began at 1:35 p.m.
Rodney Tyus called the
meeting to order to discuss and vote on what dental plan to advise the Board of
County Commissioners to offer the employees.
Marie Richards commented
that whenever the rates go up and the Commissioners pick up for the employee’s
difference, the retirees have to pay more in premiums for health
insurance. Michael John Milton stated
that there is a group Medicare plan, but the minimum age to enroll is 65.
Mr. Milton stated that
whenever United ConCordia made their presentation
last week, the rates were probably based on a guess and not the actual employee
census.
The dental rates for
Guardian and Florida Combined Life are very comparable and differ only in a few
dollars.
Guardian and Florida
Combined Life both offer a rollover benefit if you keep dental costs within a
specified dollar amount. This means that
a percentage of the benefit will rollover to the next
calendar year deductible. There is a
$1,250 max on the amount of rollover that can accrue (per person).
Orthodontics is a $1,000 lifetime
benefit and is not part of the Guardian or Florida Combined Life rate quote.
Mr. Milton made a phone
call to ask what the premium would be should the 12 month waiting period for
“major services” be dropped. He advised
the committee that it would be a 9% increase in premiums. The committee decided to leave the 12 month
waiting period for “major services” in the program.
Pam Pichard made a motion
to accept the offer from Florida Combined Life on their package deal (dental,
voluntary life and voluntary disability) in order for the County to receive a
2.5% decrease in the health coverage premiums.
Joan Schairer seconded the motion.
Ms. Pichard amended the
motion to include the “current” dental plan offered from Florida Combined Life
(with the $1,000 annual maximum)be the only plan
offered to the employees with no other dental or disability plan to be made
available.
The vote was unanimous.
Renee’ Scurlock is to draft
a letter to Unum and Guardian stating that their products will be discontinued
with the employees that are currently enrolled.
This letter is to be presented to the Board of County Commissioners
along with the presentation that Rodney Tyus is to make offering the Florida
Combined Package deal. Should the Board
of Commissioners agree to accept the committee’s recommendation, then these
letters will be signed by the Chairman of the Board of Commissioners and
forwarded to Unum and Guardian.
Mr. Tyus asked for
discussion on the Edward Jones presentation that was made last week. The County currently offers Nationwide (Pebsco) and Equitable to the employees. Lennetta Green is to contact Edward Jones to
find out how many participants they need to offer their product to the
employees. Note: they stated during their presentation last
week that if they offered their product it would need to be the only product of
this type. Ms. Green is to also ask them
if the Board of Commissioners approves them to be a payroll deducted company,
if they wish to attend the annual enrollment fair and offer their product as an
“after tax” product. The outcome of this
conversation will determine if Mr. Tyus makes a presentation to the Board of
Commissioners to allow Edward Jones to be a payroll deducted company.
The committee agreed to
have a letter drafted to Jeanne Hollon of Aflac asking her to NOT offer dental coverage as part of
her product, due to the above mentioned package plan with Florida Combined
Life. This letter will be presented to
the Board of Commissioners for their approval and the chairman’s
signature. Should the Board of
Commissioners approve this action the letter will be forwarded to Ms. Hollon.
INSURANCE COMMITTEE MEETING
JUNE 10, 2009
1:30 P.M.
Members Present: Stacey Goodson, Probation; Nikki Goodwin,
Finance; Linda Cowan, Sheriff’s Dept; Pam Pichard, Administration; Lennetta Greene, Human Resources; Wanda
Biggs, Building; Rodney Tyus,
Maintenance; Renee’ Scurlock, Emergency Management; Joan Schairer & Amber Barnes, Community
Development; Susan Tuta, County Extension; Karen Indingaro, Road Dept; Sylvia Stephens,
Elections; Nancy Odom, Tax Collector;
Gail Collins, E911; Tony Wesley, Fire Rescue; Elizabeth Lawrence & Misty
Chambliss, Clerk’s Office; and Michael John Milton, Agent of Record.
Guests: Jeanne Hollon &
Alex Harkins – United ConCordia
Don Harthshorn - Edward Jones
Edward Caldwell – The
Greg Sutton – Blue Cross Blue
Shield -
Laura Fortino – Blue Cross Blue
Shield
Meeting began at 1:35 p.m.
Rodney Tyus called the
meeting to order and introduced Jeanne Hollon and
Alex Harkins of United ConCorida.
Mr. Harkins reviewed
answers to the Committee’s questions from last meeting.
There are 12 in-network
dentists and 1 orthodontist in our area (within 20 miles) that participate in
his product.
He discussed the
rates: Emp
=$26.20 per month; Emp + 1 Adult = $51.89; Emp
+ Child(ren) = $46.28 & Emp
+ Fam = $78.10
If we wish to add
orthodontics to our plan, the rates would be:
Emp = 26.02 per month; Emp
+ 1 Adult = $51.89; Emp + Child(ren) = $54.29 7 Emp + Fam = $88.37
There is a $50.00 yearly
deductible per person ($150 max for family coverage). This deductible does not apply to Preventive
Services performed by an in-network provider.
Preventive Services are
paid at 100% in and out-of-network.
Basic Services are 100% and 80%.
Major Services are 60% and 50%.
The out-of network percentages are based on the 90th
percentile of charges.
There are NO waiting
periods. Visit the website at www.ucci.com
Don Hartshorne of Edward
Jones introduced Edward Caldwell of The Hartford. Mr. Caldwell provided a power point
presentation regarding retirement planning.
There is no fee to set up the program.
There is a minimal maintenance fee for each participant every quarter
(probably $5.00). This is NOT an annuity
product.
Michael John Milton stated
that he didn’t have any new printouts for Guardian Dental. The participants must go to the dentist at
least once during the year. Our group is
currently at 76% claims experience.
Mr. Milton introduced Greg
Sutton with Blue Cross Blue Shield Florida Combined Life.
Mr. Sutton discussed the
power point brochures that he distributed to the members. This product is for Dental. Voluntary Life and Voluntary long term disability. Based on our current enrollment, if we wish
to combine this product with our Blue Cross Blue Shield Health Insurance the
renewal rate will decrease from 10.5% to 8%.
Florida Combined Life is
the current life policy that the Board of County Commissioners pays for each
employee. The benefit would increase to
a $5,000 policy.
Mr. Sutton presented a
dental plan with information based on our current plan and 3 alternative plans.
$50.00
per year deductible in network and $75.00 per year deductible out-of-network.
Current Plan Rates: Emp = $24.53 per
month; Emp/Sp = $48.73; Emp/Ch
= $44.87 & Emp/Fam = $69.05 $1,000 annual maximum The other rates are on file. If you did not attend the meeting and would
like to know what they are, please contact Renee’ Scurlock at 718-0008.
The Insurance Committee
will meet again on Tuesday, June 16th at 1:30 p.m. in the BOCC
meeting room to make a decision on what to do with our dental coverage.
If you wish to receive all
the details, please make arrangements to attend the committee meetings. If you as a committee member stay informed,
you will be better able to explain the insurance options to those in your
department.
INSU
FEB
1:30 P.M.
Members Present: Pam Pichard, Administration; Tony Wesley,
Fire
Guests: Jimmy Kelly & Lora Fortino, Blue
Cross/Blue Shield
Meeting began at 1:35 p.m.
Mr. Kelly answered
questions about the HSA plan.
He advised that the HSA
account can be set up at any local bank that has an HSA accounting system. BUT, because Blue Cross and Blue Shield only
have an agreement with Mellon Bank to payroll deduct pre tax, the employee will
have to write it off and do the proper paperwork come tax time. If Mellon Bank is used, then everything is
taken care of and the employee will not have to do any paperwork for taxes.
Mr. Kelly advised that an
employee can put additional money into the account other than what is payroll
deducted, up to the maximum amount allowed for that year.
Mr. Kelly discussed how
“trend” is figured. Trend = Cost of
Procedures + Legislative
Claims for our group are
currently up to 12.5%. If the current
trend stays the same, we could possibly see a 12% increase in our premiums for
the upcoming renewal period.
Mr. Kelly advised that some
groups turn to “self-insurance”, but he feels that our group is too small to
make this option work in our best interest.
Self-insured groups get a pharmacy rebate back. For our groups it could be around $15,000
quarterly. Self-insured groups must have
a “staff” to administer the plan and keep up with the highly sensitive medical
information. Some members in attendance
were opposed to the self-insured plan.
A cost-saving item, that
Mr. Kelly is not a huge proponent of, is to change tighten Pharmacy
Benefits. It can be carved out of the
plan or go with different co-pays. If it
is carved out of the health plan, the group will save money, but the pharmacy
administrative costs will rise.
Note: At this year’s renewal Blue Cross and Blue
Shield will require that generic drugs be dispensed, unless there is a doctor’s
notation stating that the patient must have the name brand drug.
Other cost-saving items
could be choosing other health plans from the 200 that Blue Cross Blue Shield
Offers; going with a higher deductible and different co-pays on our current
plans, changing the pharmacy benefit on our current plans.
Mr. Kelly advised that he
can have the claims and renewal figures ready in April. Ms. Pichard advised that the figures will be
needed sooner.
Mr. Kelly said that he can
run the figures up to February and have a tentative renewal rate ready by April
1st.
The legislative ruling of
adding mental health and autism to health plans will cause an increase between
3-5%. It will be more prevalent in the
2010 premium figures as it has just been passed and not been utilized as much.
Mr. Kelly suggested that
all members go to the “myblueservices” web site and
look up pharmacy information there.
We as members need to
educate our employees on the use of generic drugs vs
name brand drugs. Wal-Mart and Winn
Dixie will charge less for some medications as CVS has an agreement that they
are allowed to charge the full co-pay amount.
SIDE NOTE: In discussion with Michael John Milton after
the meeting, Mr. Tyus was advised that the “check and balance” system that Mr.
Lakey asked about during the last meeting is not available to our group. Mr. Milton stated that the company that has
those services told him that a group’s claims need to be at least $10 million
dollars and our group is too small for their services. He will continue to research the program.
INSU
FEB
1:30 P.M.
Members Present: Sylvia Stephens & Vicki Farris,
Elections; Pam Pichard &
Note: Agent of
Meeting began at 1:40 p.m.
Discussion focused on the
clarification of the Health Savings Account (HSA 1166 and 1167) Plans.
The Single HSA 1166 Plan
has a deductible of 1,500 per calendar year and the Family HSA 1167 Plan has a
total deductible of $3,000 per calendar year.
After the deductible/out-of-pocket amount is met, the Plan pays for 100%
of all covered expenses.
The employee must pay 100%
up front of the doctor bill, emergency room visit, prescriptions, etc. until
the deductible/out-of-pocket amount is met.
There is an “option” to put
money into the HSA “savings account”.
This is an option and not a requirement of having this health plan. Money put into the savings account belongs
to the employee and should the employee leave employment, that money will
remain theirs. It does NOT go to the
County. There are medical expenses that
are covered by the HSA saving account that are NOT covered by the HSA medical
plan. Example, birth
control pills, flu shots, medically necessary dental treatment, chiropractors,
eye exams and glasses, laboratory fees, etc.
Money put into the “savings
account” earns interest and is tax deferred.
It can be drawn out for covered “medical” expenses without being taxed.
The maximum amount a member may contribute to the savings account is determined
by the I
You may withdraw money from
the “savings account” and use it for other purposes, but taxes and penalties
will apply. Saving the receipts for
qualified medical expenses throughout the year and filing them on the
appropriate tax forms will allow for a deduction on your taxes.
The HSA plan issues its
members a debit card, that allows them to keep track
of how much money you have spent and on what services you spent them on.
The HSA health plan is not
appropriate for all employees as money is required in full until the
deductible/out-of-pocket amount is reached.
Note: the deductible is the same
as the out-of-pocket amount on the HSA.
Under the other health plans that are currently in place there is a
smaller deductible and it applies to the out-of-pocket expense, but the
prescription co-pays do NOT.
We as committee members
need to educate our employees on the Health Savings Account Health Plan.
There was discussion of
prescriptions and pharmacy’s charging different prices for the same
medicine. Nikki Goodwin advised that
Blue Cross and Blue Shield has the local pharmacy’s listed on their website and
you can go there to see which pharmacy carries the medicine you need and how
much it costs.
Mr. Lakey asked about a
check and balance system in regards to claims.
Ms. Greene stated that Michael John Milton had discussed with her a
company that can go in and check behind Blue Cross and Blue Shield to make sure
the claims that are being paid are being done so at the appropriate
amounts. The program costs nothing,
unless the company finds a discrepancy and then they obtain a percentage of the
amount found.
Ms. Greene is to get up
with Michael John Milton and get information on this company/program and have
it presented at a meeting to be held in March.
JUNE 19, 2008
10:00 A.M.
Members Present: Sylvia Stephens, Elections;
Jimmy Kelly of Blue Cross
and Blue Shield was also in attendance.
Meeting began at 10:05 a.m.
with the above members present.
Mr. Kelly advised that the
correct percent increase to keep the current plan (1150) is 19.9%
He discussed two alternate
plans of which both would reflect a 13% increase over the current rate.
Some of the changes on alternative plan 1154 are:
Out of pocket is $2,500
Co-insurance is 80%/20%
Pharmacy
Card is $15/30%/40%
Generic is $15.00
Preferred brand is 30% of the
prescription cost
Non-preferred brand is 40% of the
prescription cost
Note:
the pharmacy costs DO NOT go toward the deductible or out-of-pocket
If a prescription falls
into the “non-preferred brand” category, there is most likely a generic
equivalent. By law generic medications
MUST have the same active ingredient and strength as the brand name meds. The only thing that can be changed is the
inactive ingredient, which is the coating.
The Wal-mart
$4.00 prescription program is good. Most
generics are on that program. Publix is
in competition with Wal-mart on their prescription
program.
CVS and Walgreens collect
the co-pay, so it is better to stay away from them if you use generic
medications.
The alternative plan still
has the mail-in prescription program.
Alternative plan 1352 has some of the following changes:
Deductible
is $750
Out-of-pocket
is $3,000
Includes
a $20 co-pay for general practice doctor visits (not specialists, including
OB/GYN)
Co-Insurance
80%/20%
The
drug card is the same as listed in plan 1154
This
plan also still has the mail-in prescription program
Mr. Kelly said that he was
told the committee was not interested in hearing about the HSA program. Ms. Scurlock clarified with Mr. Kelly that we
are interested, just not for this renewal period because of the time it will take
to explain/educate the employees before the open enrollment period.
Mr. Lakey said that he
would like to see an HSA quote included in the package to go before the
Mr. Milton stated that it
won’t cost anything to offer the program and if a few employees take it, it
will be advertisement for the program next renewal year.
Ms. Pichard requested that
a spreadsheet with the current plans and the proposed plans be put together so
that all numbers and benefits can be compared while looking at one sheet rather
than several different sheets of paper.
Mr. Kelly is to get a
spreadsheet with the committee’s selection prepared and send it to Mr. Milton
next week.
The committee selected to
have the following plans quoted:
Current 1150 with a drug card of $15/$30/$50
(rather than the percentages)
Alternative Plan 1154
HSA 1166 & 1167
Ms. Scurlock asked about a
new issue that came up with a mammogram not being paid that was conducted at
Mr. Milton discussed the M
Mr. Milton suggested that
Ms. Meadows contact the hospital with the mammogram coding issue.
INSU
MAY 7, 2008
10:30 A.M.
Members Present: Sharon Mc
Guest speaker: Jimmy Kelly of Blue Cross & Blue Shield
& Laura Fortino Area
Meeting began at 10:30 a.m.
with the above members present.
Ms. Greene welcomed members
and turned the meeting over to Jimmy Kelly of Blue Cross and Blue Shield.
Mr. Kelly advised the
committee that this meeting was to discuss the possible percentage increase and
some solutions to the problem. The
actual renewal rates will not be available for another couple of weeks. There is the possibility of a rate hold.
From April 07 until March
08 the “paid claims” have risen 22.8%.
The “incurred claims”
for the past calendar year have risen 25.7%. Mr. Kelly noted that the Administrative costs
and the Trend have remained the same.
The current plan “1150” has
a $500 deductible with an out-of-pocket expense of $2,500.
The new plan that was
discussed during the meeting “1166” has an out-of-pocket expense of $1,500
(which is the deductible). Once the
$1,500 is met, covered expenses are paid at 100%, which includes
prescriptions. Plan “1167” is for the
family at an out-of-pocket expense of $3,000 aggregate. Note:
the old plan was per family member. A second plan “1168” has an
out-of-pocket amount of $2,100 with plan “’1169” being for the family at $4,200
out-of-pocket.
The new plans (1166-1169)
are Health Savings Plans (HSA’s). This means that money can be put into a
savings account by the employee or the commissioners, if they wish to do
so. These monies will be available to
the employee for medical services/supplies/dental vision, etc. A swipe card and checks will be made
available to the employee to expend these funds. Should an employee leave employment the HSA
will remain with the employee, the funds are NOT returned to the County. Should you decease,
the HSA will go to your heirs for medically related expenses.
Should an employee wish to
keep the current plan with the set prescription costs, they can have the option
of paying the difference in the current and the new plan. The Mediscript
program will not be offered in the renewal package.
Under the HSA program,
persons cannot be double covered. If you
currently have County coverage and some other type of coverage (eg. Coverage with a spouse) the secondary coverage will
have to be dropped.
There was much discussion
on the HSA program and how it is payroll deducted along with several other
questions. Mr. Kelly and Ms. Fortino
along with Michael John Milton addressed those questions.
Ms. Greene asked for
nominations for a new committee chairperson.
Congratulations Mr. Tyus
and thank you for accepting the duty of assisting the Insurance Committee in
finding the best possible insurance coverages for the
employees of the Jackson County Board of County Commissioners.
The next meeting will be
announced within the next two-three weeks and will be for renewal purposes.
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INSU
Members
Present: Debora McCormick, Clerk’s
Office; Angie Cozart &
Guest
speaker: Jim Kelly of Blue Cross &
Blue Shield & Laura Fortino Area
Meeting
began at
Ms.
Greene welcomed members and turned the meeting over to Jim Kelly of Blue Cross
and Blue Shield.
Mr.
Kelly advised the committee of the “
Current
renewal rate is 11.29%. Our claims were
up 11% this year. Mediscript
(Blue Choice 120) for the employee is going to $552.58 monthly - family is $767.12
Blue
Options 1150 ($7/20/35
Mr.
Kelly discussed an Alternative Plan that can be offered to employees and their
families. It is called a Health Savings
Account (HSA). This type of coverage is
tax-free. It works like a debit card in
that there will be money put into a savings account for health care costs only
and when you go to the doctor or get a prescription the debit card can be used
until the funds are exhausted. The
employee can put money into the account monthly and any funds in the account
left at the end of the year will roll-over to the next year. The maximum amount that can be put into the
account during a fiscal year is Single $2,900/ Family $5,800.
The
alternative plan is Blue Options 1168 (Single) 1169 (Family). The deductible is $2,100 (Single) and $4,200
(Family) Out-of-pocket
is $2,100 (Single) and $4,200 (family).
Lifetime maximum is $5 million.
Note: the current out-of-pocket
is $2,500. Money that is spent on
prescriptions will count toward the CYD, as it is currently those charges do
not count toward the CYD. The HSA is
NOT a flexible spending account. It is
an I
This
savings account will belong to the employee and will go with the employee when
they leave employment. When the total
reaches $2,500 the employee may invest monies over that.
Mr.
Kelly mentioned the Pro-Share plan that we had back in 1999. The committee did not take any action on
this.
Stan
Littleton made the motion to present to the Board of County Commissioners on
Ms.
Greene said that we would meet again after the Board of Commissioners decides
how it will handle the new insurance premiums.
The
meeting adjourned at
INSU
Members Present: Debora McCormick, Clerk’s Office;
Guest speaker: Jim Kelly of Blue Cross & Blue Shield
& Laura Fortino Area
Meeting began at
Ms. Greene welcomed members
and turned the meeting over to Jim Kelly of Blue Cross and Blue Shield.
Mr. Kelly advised that
members should be receiving a new insurance card in the near future. It will look like a credit card and the
benefit information will be on the back of the card. Doctor’s offices will be able to swipe the
card and get information on allowed benefits, co-payments and 2 years of claims
history. There are privacy restrictions
in that diagnosis such as AIDS, abortions, etc will not be provided. Should a member wish to have no
diagnosis available for review they will be able to call and request that the
information be blocked.
Blue Cross has begun
sending out “Personal Health
Mr. Kelly passed out the
current monitoring report for our group (Feb 2006 – Jan 2007). He stated that currently there is a 12%
health care trend.
The Estimate of Benefits (EOB’s) are being revised by a
committee and should be easier to read once the new design is adopted.
In the upcoming renewal
year (