Dig Deeper On Mold

There is black humor in reading some of the quotes from the insurance industry representative cited in the article. While good for quotability, statements made in the article concerning mold are no different than smoking industry lawyers asking the rhetorical question, "Has smoking killed anyone?" It was good that you clearly mention who writes the speaker's paychecks.

There is and has existed a much larger body of information on mold than is commonly recognized. It often makes me laugh when I hear statements like "We just don't know" or "We need more research."

Just because you, or I, or a speaker's audience, may not have de-tailed knowledge on a given subject does not mean authoritative information is not readily available. If you doubt me, try opening an account with the National Library of Medicine and do various searches on the topic of mold.

Joe Landgraf, P.E.
President
Green Planet Energy Systems Inc.
Midvale, Utah

Phasing Out HCFCs

I found the article informative, but wanted to point out an error in the article. Powell mentions that "OEMs no longer will be able to use HCFCs after the year 2010." He also states, "HCFCs will have to be reduced by 65 percent of a benchmark set in the late 1990s."

I certainly understand the intent of his words here that these comments are related to HCFC-22. However, these comments are not correct for other HCFCs such as HCFC-123. The phaseout date for HCFC-123 in new equipment is 2020, and the phaseout of the refrigerant itself is not until 2030.

In addition, the recent caps set in place by the U.S. EPA do not include caps for HCFC-123. When you look at caps in general, you must look at the whole body of HCFCs that are included in this basket of chemicals.

A great example is that on Jan. 1 of this year, HCFC-141b was completely phased out. This HCFC is used in the foam blowing industry in a highly emissive application, and will result in a drastic reduction in the use of HCFCs, making the HCFC caps easy to achieve without impacting our industry at all.

The specific caps put on HCFC-22 are not expected to negatively impact our industry at all.

As you know, the refrigerant issue is difficult and complex. We all need to work together to make sure we communicate a consistent and accurate message.

Mike Thompson
Marketing Manager
Centrifugal & Absorption Chillers
Global Applied Systems
Trane
La Crosse, Wis.

Affordable Health Care

However, legislation currently pending in the U.S. Senate could stop this disturbing trend. Introduced by Sen. Olympia Snowe (R-Maine), S. 545, the "Small Business Health Fairness Act of 2003," would allow small businesses, like many contractors in the construction industry, to purchase quality, affordable health care through an association, such as Associated Builders and Contractors (ABC). These association health plans (AHPs) would give small contractors the same opportunity to pool buying power for competitive health insurance rates that labor unions and Fortune 500 companies already enjoy.

In a bipartisan vote, the U.S. House of Representatives June 19 passed AHP legislation (H.R. 660), but the U.S. Senate has refused to consider Snowe's companion legislation.

The Bush administration has come out strongly in favor of AHPs. In an Aug. 2 radio address, President Bush called on Congress to "let small businesses join together to purchase affordable health insurance for their employees." During a Sept. 4 speech in Kansas City, Mo., outlining his six-point plan for strengthening the U.S. economy, Bush again urged Congress to approve AHP legislation. Bush also announced to the media that he had spoken about the need for AHPs during an Oct. 7 cabinet meeting.

Additionally, U.S. Secretary of Labor Elaine L. Chao has been traveling the nation hosting a series of meetings to discuss the need for AHPs.

The Senate AHP legislation is supported by numerous associations and trade organizations, including ABC, the U.S. Chamber of Commerce, and the National Federation of Independent Business. By allowing small businesses to pool their collective purchasing power, ABC estimates that association members can reduce their health insurance costs by 15 to 30 percent, while obtaining the same economies of scale and administrative efficiencies available to employees in large employer and union health plans.

ABC's estimate of the cost savings provided by AHPs is based on solid experience. In 1957, ABC established an association health benefits plan that offered traditional health insurance plans to its members, many of whom were small-business owners who otherwise would not have been able to afford health insurance coverage for their employees.

For more than 40 years, the ABC-sponsored AHP provided quality health care coverage, with total expenses as low as 13.5 cents for every dollar of premium, including all marketing, administration, insurance company risk, claim payment expenses, and state premium taxes. Today, small businesses that purchase coverage directly from an insurance company are typically charged 30 to 35 cents on every dollar of premium for insurance carrier expenses and profit.

ABC was forced to discontinue the health insurance portion of its plan in 2001 when the organization's insurance carrier terminated coverage citing incompatible and inconsistent state laws, thus removing a vital source of dependable, quality health care for ABC's member contractors.

ABC urges the Senate to follow the House's lead in passing AHP legislation. Employees of America's small construction firms deserve access to the same quality, affordable health care as employees of Fortune 500 companies and labor unions.

Edward L. Rispone
National Chairman
Associated Builders and Contractors (ABC)
Rosslyn, Va.

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Publication date: 12/08/2003