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May 2016

 

By Anthony J. Sanders

sanderstony@live.com

 

Social Security Amendments of January 1, 2016 HA-7-2-16

 

Retroactively Free DIRT (Disability Insurance Reallocation Tax) and 3% COLA (Cost of Living Adjustment) Act of January 1, 2016

 

To fire the National Institute of Disability Independent Living and Research (NIDILR) under the Slavery Convention of 1926 for the written portion and Nuremberg Code of 1949 in regards to nonconsensual biological experimentation on stroke risk posed by 'lucid dream' substance and elect a harmless “class president of the disabled” to research a Disability and Independent Living (DIL) webpage in the Administration for Community Living (ACL) under the Convention on the Rights of Persons with Disabilities of 2006 and save the Disability Insurance (DI) Trust Fund in 2016.

 

To amend the DI tax rate from 1.80% to 2.40% in 2016, 2.30% in 2017 and 2.20% in 2018; from 0.90% to 1.20% in 2016, 1.15% in 2017 and 1.10% in 2018 for employees and from 0.90% to 1.20% in 2016, 1.15% in 2017 and 1.10% in 2018 for employers under Sec. 201(b)(1)(S) of the Social Security Act 42USC(7)II§401.

 

To amend the OASI tax rate from 10.60% to 10.0% in 2016, 10.10% in 2017, and 10.20% in 2018; from 5.30% to 5.00% in 2016, to 5.05% in 2017, to 5.10% in 2018 for employees under 26USC(C)(21)(A)§3101 (a) and from 5.30% to 5.00% in 2016, 5.05% in 2017, and 5.10% in 2018 for employers under 26USC(C)(21)(A)§3111 (a) to avoid depletion of the Disability Insurance (DI) Trust Fund in 2016 without increasing the overall 12.4% OASDI or 15.3% OASDI and Hospital Insurance (HI) Federal Insurance Contribution Act tax-rate under 26USC(A)(2)§1401.

 

To legislate a 3% annual COLA at Sec. 225(i) 42USC425(i) retroactive to January 1, 2016 under Sec. 204(c) 42USC§404(c) and a minimum wage of 'not less than 3% annual growth, rounded to the nearest nickel, from $7.50 an hour in 2016, to $7.75 in 2017, to $8.00 an hour in 2018 etc. under 29USC§206(a)(1).

 

To legislate a 2.5% health annuity and lead ACA and other private health insurance corporations to credit customers with the difference between the new 2.5% health annuity rule of January 1, 2016 and the 20% ACA premium increase and cruelest and most unusual 50% Medicare part B inflation in premium price, ever, it seems best to amend the Amount of Premiums Section 1839 of Title XVII of the Social Security 42USC§1395r(a)(1) The monthly actuarial rate for enrollees age 65 and over shall be equal with all people who would otherwise be eligible for Medicare Part B because they are Old Age Survivor Disability Insurance (OASDI) beneficiaries. The premium is designed to afford one-third of the total of the benefits and administrative costs estimated to be payable per capita from the Federal Supplementary Medical Insurance Trust Fund for services performed and related administrative costs incurred in such calendar year with respect to such enrollees and any credit due. (a) The inflation adjustment of the monthly premium of each individual enrolled is calculated at 2.5% annual inflation from the premium price of $104.90 in 2015 rounded to the nearest 5 cents, $107.50 January 2016 to December 2016, before it goes up to $110.20 in January 2017 and increases 2.5% every year thereafter (b) The SMI deductible was $147 in 2015 and will be $151 in 2016 and $154 in 2017, etc. The Drug benefit deductible was $320 in 2015, would be $330 in 2016, $340 in 2017, etc. In the Drug program the initial benefit limit and catastrophic threshold, rounded to the nearest dollar, of $2,960 and $4,700 in 2015 respectively, would be $3,034 and $4,818 in 2016, etc. (c) the 2.5% health annuity applies equally to all private health insurance programs, specifically ACA marketplace plans in regards to credit best settled in the sixth month of 2016.

 

To amend Annual Reports Sec. 1161 of Title 11 of the Social Security Act 42USC(7)XI-B§1320c-10 so that the Commissioner of Social Security will sign a combined Federal OASDI Trust Fund and SSI Program Report and the Administrator of CMS would sign a combined Annual Report on the Federal Medicare, Medicaid and Affordable Care Act (ACA) due June 20th for perennial summer solstice issue beginning in 2016.

 

To legislate a new ‘United Nations Contribution: 1% to 2% of income suggested’ row on IRS form 1040.

 

To abolish the Other Defense Civil Programs row, deducting the amount from that year's undistributed offsetting receipts before 2009, and the Allowances row, from White House Office of Management and Budget (WHOMB) historical outlays by agency table 4.1 to reduce the deficit and debt since 2009.

 

Without Income Limit Law (WILL)

 

To abolish the maximum taxable limit on DI contributions on January 1, 2016 and OASI contributions January 1, 2017 and repeal Adjustment of the contribution and benefit base Section 230 of the Social Security Act 42USC(7)§430.

 

To require the Social Security Administration to pay for SSI Costs beginning January 1, 2017.

 

To share profits in excess of social security program costs with the general fund of the U.S Treasury on a negotiable sliding scale beginning year end 2016 DI 50/50 with the USPS, and OASI in 2017 to eliminate the true federal budget deficit and maximize welfare payments. Even without any new sources of revenues the true federal budget deficit is estimated to be only -$71 billion in 2017 before disappearing and making a surplus in future years, as opposed to the permanently wrong -$453 billion deficit estimate of the Office of Management and Budget (OMB). Therefore there shall be a maximum allowable deficit (mad) of $100 billion. In 2020, if the United States balances the federal budget, the nation will be able afford to guarantee everyone a poverty line income, without a balanced federal budget the nation will only be able to afford to reduce poverty by half and eliminate child poverty in schools. OASDI will save to pay for the peak in costs of Baby Boomer generation in 2035 when the overall OASDI tax rate might be raised from 12.4%.

 

Maternity Leave Act

 

a. Demonstration projects Section 305 of Title III of the Social Security Act 42USC§505 will be repealed except for the relevant sentence in (a)(1) to expedite the reemployment of individuals who have established a benefit year and are otherwise eligible to claim unemployment compensation under the State law.

 

Maternity Leave Section 305 of the Social Security Act 42USC§505

 

(a) To expedite the reemployment of individuals who have established a benefit year to claim unemployment compensation under the State law the Secretary of Labor shall fulfill the 14 months of paid leave authorized for Maternity Leave by International Labor Organization (ILO) Convention No. 183 (2000).

 

(1) The Family and Medical Leave Act shall be repealed except in that workers's positions who have served their benefit year, shall continue to be entitled to up to twelve weeks of (unpaid) sick leave, 14 weeks of maternity leave and 24 weeks to care for an injured armed service-member.

 

(2) Employers shall provide at least 3 weeks of paid leave annually to uphold the Holiday with Pay ILO Convention No. 132 (1970).

 

(b) On production of a medical certificate, stating the presumed date of childbirth, a woman shall be entitled to a period of maternity leave of not less than 14 weeks. Cash benefits shall be provided at a level which ensures that the woman can maintain herself and her child in proper conditions of health and with a suitable standard of living.

 

(1) Where a woman does not meet the conditions to qualify for cash benefits under national laws and regulations or in any other manner consistent with national practice, she shall be entitled to adequate benefits out of social assistance funds, subject to the means test required for eligibility for such assistance, from the Supplemental Security Income Program for the Aged, Blind and Disabled under Sec. 1611 of Title XVI of the Social Security Act 42USC§1382.

 

(2) Medical benefits shall be provided for the woman and her child. Medical benefits shall include prenatal, childbirth and postnatal care, as well as hospitalization care when necessary.

 

Be it enacted in the House and Senate Assembled

 

Torture 18 USC§2340A(a) amended so 'outside the United States' is removed so - Whoever commits or attempts to commit torture shall be fined under this title or imprisoned not more than 20 years, or both, and if death results to any person from conduct prohibited by this subsection, shall be punished by death or imprisoned for any term of years or for life. Exclusive Remedies 18USC§2340B replaced with ‘The State shall ensure in its legal system that the victim of an act of torture obtains redress and has an enforceable right to fair and adequate compensation, including the means for as full rehabilitation as possible. In the event of the death of the victim as a result of an act of torture, his dependents shall be entitled to compensation under Art. 14 of the Convention against Torture and Other Cruel, Inhuman or Degrading Treatment or Punishment of 26 June 1987’. To repeal the word 'enforcement' in federal education statute, offending the Slavery Convention of 1926 in at least two places yesterday (a) 'enforcement of Section 111' at 20USC§112 needs to be repealed like Prohibition under the 21st Amendment (1933) and, (b) the words 'enforcement of' must be removed from the caption of Part 1200 so that it states, Nondiscrimination on the basis of Handicap in programs or activities conducted by the National Council on Disability at the end of Education statute 34CFR§1200.170, and (c) General Definitions of the Office of Museum and Library Services at 20USC§9101(1) replaced with (1) No stalking in the library 18USC§2261A(2). 'Enforcement' also needs to be repealed from Child Support in Title IV-D of the Social Security Act 42USC§666 et seq. Passing these amendments the USA should be qualified to ratify the Optional Protocol to the Convention on the Rights of Persons with Disabilities (2006), the International Labor Organization Conventions Holiday with Pay Convention No. 132 (1970) and Maternity Leave Convention 183 (2000), will reduce poverty by half and eliminate child poverty in schools or completely end poverty by 2020. Blessed are the poor (Matthew 5:3).

 

Carol Lifshin September 17, 1932- May 13, 2016

 

My Grandmother Carol died Friday the 13th. Her CT scan showed dead white tissue on the left side of the brain from an ischemic stroke surrounded by bleeding from a hemorrhagic stroke so that it was untreatable with clot-busting drugs. Her skin was beautiful, she did not have any wrinkles. She suffered a stroke the same day that I received an email from the ed email address of the National Institute of Disability, Independent Living and Research (NIDILR) in the Administration on Community Living (ACL) in the Department of Health and Human Services (HHS) basically confessing to an email from my debit card regarding an attempt to steal $1,000 in two unauthorized transactions from my debit card and another from a bibliographical investigator of my legal land measurement error where I laid Aunt Lil to rest, probably wondering where Carol’s caregiver's 'Golf Handicap' was since it has been totally lost to the combined Microsoft vulnerability to public wifi and my personal fear for the personally identifying information of such a botched claim for relief. I have lost both of my grandmother's to strokes incidental to receiving an email from education institutions in the Netherlands and now the United States. Surviving Grandma Carol are three children, six grandchildren, seven great-grandchildren and an African-American caregiver. Carol was a grade school teacher who sued for early retirement after suffering a concussion from a kickball at age 35. The cancer that led to her to be divorced from my grandfather without any compensation but social insurance, was probably attributable to their food preservation techniques. He might have lived longer if I had been sent to live with him and do his grocery shopping and cooking instead of being disowned to a psychiatric hospital. Why both her daughters with children, also divorced their cheating husbands that year(s) remains a mystery to all six grandchildren. After some time Carol lived with a man and his caregiver who built a home on land he owned in Palm Springs and lived a man and his African-American caregiver. When he died he left the house to the two of them. They lived alone together for enough years to be common law partners. Carol provided their only income. They grew citrus and raised chickens until her cholesterol got so high it was time to eat her egg-layers and become a vegan who ate meat about once every other week.

 

In late 2010 or early 2011 my grandmother told me she wanted help to petition for more income to pay her caregiver inspired by his aspiration to become a professional golfer. He had been a professional football player in a Canadian football league who lost his job as the result of a serious sport's injury who recovered and became the caregiver he was yesterday without ever receiving any disability insurance or supplemental security income (SSI). After my $69 SSI supplement was stolen to afflict me with not graduating from $600-$699 I rightly sought to unionize with my Grandmother's 'Gold Handicap' but the contagion spread to her ideal hand-written $1,000 monthly Title I benefit. In apology I paid them $100 a month addressed to the two of them, for several years until my food stamp benefits were cut in 2013. The “no-entitlement” concern of the President in his recent speech at black Howard University in Washington DC that preserves Freemen's Hospital and Asylum seems to be applicable in three ways. First, mentally disabled black people have better luck with survivor insurance than disability insurance or even the SSI one would think that poor black people, with average family savings of $1,000, $5,000 with home equity, would receive social security disability insurance and SSI the rate of 20% of new beneficiaries although only 12-14% of the population are black.  Carol is due about $20,000 for the underpayment of the faultless beneficiary under Section 204(c) of the Social Security Act 42USC404(c).  It would seem that the President received the news before I did, that my uncle has appointed himself the Court again, and seems to intend to sell their house without ever having successfully administrated his father's estate. He billed my mother $1,000 for each of her children, that neither I nor my sister ever received from the legal fees ($20 a life), and then he nearly died of liver disease incidental to pigging out and becoming obese, but he's said to be thin now, and hangs up the phone on me. He’s runs a private recording studio and their royalty contracts are so notorious one surviving jazz musician made a movie, music is nice to listen to when grieving.  His twice daily phone-calls to his mother are not worth any more than my money.  Mike was completely dependent on Carol for his cash income and landowner. 

 

All that remains of Carol's estate, after her reasonable hospital bills, must be given to her caregiver, Mike, with consideration for his 12 siblings.  The deed to the house in Palm Spring’s is Mike’s inheritance to live in or sell when he is discharged from a hospital rehabilitation program for rattlesnake and black widow bites, all expenses paid by MediCal.  A Presbyterian minister suggested that Carol’s Medicare bills be placed as an interest free lien against any future sale of the home that can be partially or fully paid off by charitable givers.  Mike probably appreciates my uncle’s legal competence with Carol’s deed and my aunt and mother have been convinced that neither my uncle, Carol’s hospital nor Mike’s rehabilitation program, possess the legal right to rob the uncompensated black survivor of the deed, last name forgotten.  Now that Carol is dead, the deed is Mike’s.  Mike built the house.  Mike or his authorized representatives must occupy and care for the land while he is disappeared in some story regarding a hospital rehabilitation program for rattlesnake and black widow.   My uncle, without first or last name, or remuneration or interest in paying his mother’s hospital bills as my mother and sister who are health professionals, must help Mike to establish his right to the property.  My uncle must sign the deed of the house over to Mike, within two years under 24USC§420(e).  He called Carol twice a day to tell lawyer jokes about the cousins who are all partners in the only law firm I can think of who might be interested in settling Carol’s estate pro bono in a game of golf with Mike and my uncle to figure out why the self-professed Jews, who have not abandoned the synagogue like their children, if they had any, communicate so poorly regarding the existence of a Palestine Supreme Court, to judge the difference between a 10% tzadaka donation to charity and compensation.  The lawyer jokes about being behind bars or drunk on power have been posthumously removed, being satisfied to have learned that unemployment rates among law school graduates have risen to over 60% since legal fees ceased to be respected under the Fair Credit Reporting Act.  My grandfather should have been buried in his refrigerator so that his Baby Boomers could be trusted to avoid probate when named.     

 

Book 1 Military Diplomacy (MD)

 

To supplement Chapter One Navy Hospitals, Naval Home, Army and other Naval Hospital, and Hospital Relief for Seamen and Others §1-40 for transfer to Chapter 10 Armed Forces Retirement Home §400-435.  To salute the change of the name of the Department of Defense (DoD) to the Military Department (MD).  The MD concludes Secretary of Defense Transfer Order No. 40 of July 22, 1949 in conjunction with the graduation of the Public Health Department (PHD) from the Department of Education Reorganization Act of 1978. To prohibit the use of force, hostile environmental modification and biological experimentation and be honorably discharged.  The US Military employs around 2.1 million soldiers down from a wartime high of 2.8 million with 765,000 Full Time Equivalents (FTEs) and declining.  Since its foundation the US military has suffered nearly 1.3 million casualties in 13 wars.  There are more than 27 million US veterans. To reduce the US nuclear arsenal from 10,000 warheads, to no more than 1,700 to 2,200 nuclear warheads by 2012 and ultimately eliminate them.  To abolish Other Defense Civil Programs, deducting the amount from that year's undistributed offsetting receipts before 2009, and Allowances rows from OMB historical outlays by agency table 4.1 to reduce the deficit and debt since 2009. To sell surplus military bases and assets to increase net revenues and reduce expenses.  To rule Overseas Contingency Operations (OCO) non-add for the benefit of both $500 billion sides of the North Atlantic Treaty Organization (NATO) whereas liberal democracies tend to be more peaceful than authoritarian or totalitarian states and do not attack other democracies.  To veto Chapter VII of the UN Charter and promote humanitarian missions that pay payroll and corporate taxes, less social insurance and deductibles, to any occupied developing nation.  To fire the National Institute of Disability Independent Living and Research (NIDILR) under the Slavery Convention of 1926 for the written portion and Nuremberg Code of 1949 in regards to nonconsensual biological experimentation on stroke risk posed by 'lucid dream' substance. To elect a harmless “class president of the disabled” to publish a Disability and Independent Living (DIL) webpage in the Administration for Community Living (ACL) under the Convention on the Rights of Persons with Disabilities of 2006 and save the Disability Insurance (DI) Trust Fund from depletion with the Social Security Amendments of January 1, 2016. To instruct the Social Security Administration by the summer solstice or confirm the HA disability beneficiary Commissioner for a two year term to harmonize the adjustment of the OASDI tax rate and tax the rich to end poverty by 2020 or reduce poverty by half and eliminate child poverty by 2020 if the federal budget cannot be balanced with a $100 billion maximum allowable deficit (mad) in FY 2017 under Art. 2(2) of the US Constitution. To pardon Rod Blagojevich and Chelsea Manning. Civilians are compensated for any injury, casualty or damage caused by State action. To surpass the Marine Corp Physical Fitness Test (PFT) 50-100 push-ups, 50-100 crunches and 3 mile run; Quiz

 

Book 3 Health and Welfare (HaW)

 

12th ed. 24 May 2016.To supplement Chapter 3 National Home for Disabled Volunteer Soldiers. The Social Security Administration (SSA) pays an estimated 62 million beneficiaries – 41 million retirees and survivors, with Old Age Survivor Insurance (OASI) and 21 million disabled workers - 14 million with Disability Insurance (DI) and 9 million with Supplemental Security Income (SSI) with some overlap in 2015.  The United States must get the OASDI tax rate right to save the DI trust fund from depletion and avoid deprivation of relief benefits under 18USC§246. To pay for a 3% COLA (Cost of Living Adjustment) with a Retroactively Free DIRT (Disability Insurance Reallocation Tax) and 3% COLA Act of January 1, 2016. To amend the DI tax rate from 1.80% to 2.40% in 2016, 2.30% in 2017 and 2.20% in 2018; from 0.90% to 1.20% in 2016, 1.15% in 2017 and 1.10% in 2018 for employees and from 0.90% to 1.20% in 2016, 1.15% in 2017 and 1.10% in 2018 for employers under Sec. 201(b)(1)(S) of the Social Security Act 42USC§401. To amend the OASI tax rate from 10.60% to 10.0% in 2016, 10.10% in 2017, and 10.20% in 2018; from 5.30% to 5.00% in 2016, to 5.05% in 2017, to 5.10% in 2018 for employees under 26USC§3101 (a) and from 5.30% to 5.00% in 2016, 5.05% in 2017, and 5.10% in 2018 for employers under 26USC§3111 (a) to avoid depletion of the Disability Insurance (DI) Trust Fund in 2016 without increasing the overall 12.4% OASDI or 15.3% OASDI and Hospital Insurance (HI) Federal Insurance Contribution Act tax-rate under 26USC§1401. To repeal Sec. 215 (i) of the Social Security Act 42USC§415 and legislate a 3% annual COLA. To cite ILO Conventions 132, 156 and 183 in a Maternity Leave Act in amendment of Sec. 305 of the Social Security Act 42USC§505. To replace welfare Administrative Law Judges (ALJs) with licensed social workers and non-social worker representatives under Sec. 206 of the Social Security Act 42USC§406.  To limit the term of the Commissioner from 6 to 2 years, by amendment of Sec. 702 of the Social Security Act 42USC(7)VII§902(a)(3).  To automatically increase monthly benefits to $700 after 42 months $600-$699 (Revelation 13:10) and redress wrongful overpayment decisions since the Defense of Social Security Caucus of 2011 with underpayment Sec. 204 of the Social Security Act 42USC§404. To require the Commissioner of SSA to account for OASDI, SSI and Human Services to end poverty by 2020 and require the Administrator of CMS to account for a 2.5% Medicare, Medicaid and ACA health annuity in summer solstice instructions (ssi) by amending Annual Reports Sec. 1161 of the Social Security Act 42USC§1320c-10. To amend the Amount of Premiums in Sec. 1839 of the Social Security 42USC§1395r for a 2.5% health annuity to lead ACA and other private health insurance corporations to credit customers with the difference with the 20% ACA and 50% Medicare part B premium price inflation 2015-16.  To limit federal health spending to less than $1 trillion until national health expenditures are less than 10% of GDP. To repeal 'medical records and payments' from the Fair Credit Reporting Act 15USC§1681a(x)(1). To require the USDA to sustain 3% annual Supplemental Nutritional Assistance Program (SNAP) growth.  To create a UN contribution row on the 1040 tax form with a suggested donation of 1-2% of income.  To pass a Without Income Limit Law (WILL): To abolish the maximum taxable limit on DI contributions on January 1, 2016 and OASI contributions January 1, 2017 by repealing Adjustment of the contribution and benefit base Section 230 of the Social Security Act 42USC§430 to tax the rich and increase OASDI revenues by 130% and SSI spending by 250% to balance the federal budget in 2017 and end poverty by 2020.

 

Public Health Department HA-7-5-16

 

The Department of Health and Human Services (DHHS) needs transform itself into a Public Health Department (PHD), as should have been done in the Department of Education Re-organization Act on May 4, 1980, 20USC(48)V§3508, to account for a trillion dollar limit on federal public health spending until national health expenditure is less than 10% of GDP by 2030 with a 2.5% health annuity retroactively beginning January 1, 2016. Credit is due Medicare Part B and ACA premium payers for any overpayment of the 2.5% inflation in price of premium from the previous year, to be sustainable. In 2014 private health insurance, including about 10 million Affordable Care Act (ACA) marketplace policies, enrollment increased from 147 million to 207 million. The number of uninsured adults is estimated to have declined from 22% in 2013 to 16% in 2014. High growth in human services FY 2017 must be accounted for separately with a 250% increase in supplemental security income (SSI) if the Commissioner of Social Security and Congress pass the Without Income Limit Law (LAW) and choose a 3% economic growth year instead of 2.4% in 2016. HHS Budget-in-brief FY 2016-17 totals are inaccurate in regards to the exact amount of agency spending and must be redone in the same style of receiving reports from the departments. The CMS Justification of Estimates for Appropriations Committees are useless. The 2014 Report of the Board of Trustees of the Federal Hospital Insurance and Supplemental Medical Insurance Trust Funds is more or less accurate, but requires a little subtraction to arrive at a fairly accurate corroboration of the total federal outlays in FY 2014. The 2015 report is tardy. It turns out the 2014 report cannot be held harmless for the most extortionate 50% Part B premium inflation 2015-16 ever, in a long history of cruel and unusual inflation, justified by high Ultimate Assumptions about inflation, that must be corrected for a stable 2.5% health annuity, the 2015 report is tardy - 2.5% spending growth estimates from FY 2014 for Medicare programs is fair baseline for HHS Medicare spending estimates. Medicaid estimates for 2014 are complicated by a 15.9% increase in enrollment and 15.3% reduction in beneficiaries settled by 0.5% + 2.5% health annuity = 3% growth 2014, 2.5% every year thereafter. Health, United States, 2015 broke the 17.4% of GDP deflator (2009-2013) while attempting to create a working account balance to capitalize upon a downward revision in Investment, that is justified on the basis of reinvestment of that year's health expenditures, and in Public health, that absurdly cites federal public health spending nearly exactly although being so fundamental to government public health is probably equally financed by both state and local governments. The national health expenditure totals are useless. By not deflating the 2013 private health insurance estimates, the Actuary is accounting for investment securities other than net health insurance premiums, and the 17.3% of GDP 2009-2013 and 17.5% of GDP 2014 deflator estimate is actually an inflator in regards to the private health insurance estimates. Suicide rates have increased nearly as much as fatal opiate overdose deaths since 1999.   The FDA confesses to adulterating and extorting the 2015 pipe tobacco harvest and continues to owe a huge tobacco tax rebate from 2009.  Psychiatry, the FBI, ATF, DEA and White House ONDCP, federal accountants and unwashed madmen are having so much trouble with, must be abolished.  Medicare, the last federal outlay valued over $500 billion to be accurately accounted for, sold for the price of Phillip Morris cigarette x 100 billion the day the baseline was hacked in the HHS FY 2016 budget. Health United States 2016 estimates for Private Health Insurance spending need to be historically revised in accordance with Net Earned Premiums, and the non-add Administration and net costs of private health insurance estimates need to be downwardly revised according to Capital & Surplus row, the bottom line of the National Association of Insurance Commissioners (NAIC) and Center for Insurance Policy Research (CIRP) 2014 Analysis of the Health Insurance.