Legislature(2015 - 2016)BARNES 124

04/15/2015 03:15 PM LABOR & COMMERCE

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* first hearing in first committee of referral
+ teleconferenced
= bill was previously heard/scheduled
-- Delayed to 4:45 p.m. Today --
+= HB 12 MORTGAGE LENDING AND LOAN ORIGINATORS TELECONFERENCED
Moved CSHB 12(L&C) Out of Committee
+= SB 47 LIFE INSURANCE/ANNUITY EXEMPTIONS TELECONFERENCED
Heard & Held
+= SB 71 VACCINE CERTIFICATION FOR PHARMACISTS TELECONFERENCED
Moved SB 71 Out of Committee
*+ HB 159 HEALTH CARE RETAINER; INSURANCE EXEMPT TELECONFERENCED
Heard & Held
*+ HB 185 ALCOHOLIC BEVERAGE CONTROL TELECONFERENCED
Heard & Held
             SB 47-LIFE INSURANCE/ANNUITY EXEMPTIONS                                                                        
                                                                                                                                
5:34:42 PM                                                                                                                    
                                                                                                                                
CHAIR OLSON  announced that the final  order of business  would be                                                              
SENATE  BILL NO.  47,  "An Act  relating  to exemptions  for  cash                                                              
surrender  values,  accrued dividends,  and  loan  values of  life                                                              
insurance and annuity contracts."                                                                                               
                                                                                                                                
5:36:32 PM                                                                                                                    
                                                                                                                                
GERMAN  BAQUERO,  Intern,  Senator   John  Coghill,  Alaska  State                                                              
Legislature,  stated that  Section  1 of  SB 47  would repeal  and                                                              
reenact one  AS 09.38.025 (a),  which will essentially  repeal the                                                              
$500,000  cap  on  the  exemption  of  un-matured  life  insurance                                                              
policies, and  reenacts it as a  full exemption regardless  of the                                                              
value limit.   Section 2 of  the bill clarifies  the applicability                                                              
date.                                                                                                                           
                                                                                                                                
5:37:27 PM                                                                                                                    
                                                                                                                                
MR.  BAQUERO  said this  bill  came  about  when some  members  of                                                              
insurance  industry   and  trust   industry  found  more   private                                                              
employees  are  turning  to  life  insurance  and  life  insurance                                                              
policies  as  new estate  and  retirement  tools.   He  said  that                                                              
granting  a full exemption  was a  means to  treat all  retirement                                                              
funds as secured,  just as public employee retirement  accounts or                                                              
union  accounts,  which are  completely  shielded  by the  federal                                                              
government  and not  subject to  garnishment.   He  stated that  a                                                              
zero fiscal note  was attached to HB  47.  He said that  this bill                                                              
does  not  shield  life  insurance   policies  from  any  type  of                                                              
criminal  action, but  refers to  civil litigation.   He  directed                                                              
attention  to  members'  bill packets  to  [AS  09.38.065]  claims                                                              
enforceable  against exempt  property  that provides  the list  of                                                              
exceptions  to the  exemptions  ranging from  being  able to  levy                                                              
against property to enforcing child support claims.                                                                             
                                                                                                                                
5:39:36 PM                                                                                                                    
                                                                                                                                
MR. BAQUERO He read  a portion of paragraph (3),  which read, "(3)                                                              
a creditor  may make a  levy against exempt  property of  any kind                                                              
to  enforce  the  claim  of a  victim,  including  a  judgment  of                                                              
restitution  on behalf  of a  victim of  a crime  or a  delinquent                                                              
act, ...."  He  interpreted this to mean that this  bill would not                                                              
stop someone  from trying to seek  just restitution in  a criminal                                                              
situation.  He said  that the bill has opposition  from the Alaska                                                              
Bankers  Association,  who  expressed   concern  that  this  could                                                              
create  a means  to shield  assets that  could be  garnished by  a                                                              
bank,  but  the   sponsor  found  that  interpretation   a  little                                                              
wanting.    For  one thing,  the  exemptions  under  AS  09.38.030                                                              
[(c)],  related  earnings  and  liquid  assets  clearly  states  a                                                              
creditor  can  levy upon  the  earning  of  an individual  if  the                                                              
creditor's  claim is  enforceable  under an  order of  a court  of                                                              
bankruptcy  under the Bankruptcy  Reform Act  of 1978.   Therefore                                                              
the concerns  of the  banking industry are  not quite  accurate in                                                              
terms of a debtor  trying to hide or commit fraud.   Finally, this                                                              
bill does  not interfere  assigning  a policy  as collateral  to a                                                              
bank for a loan.   He directed attention to AS  34.40.010, related                                                              
to invalidity  generally, basically  says that anyone  who assigns                                                              
any  of their  property as  collateral  means that  the person  is                                                              
assigning  the property  to them,  subject to  garnishment on  any                                                              
default.  He said  there really is not any fraudulent  intent that                                                              
could come along,  but can help make life insurance  policies more                                                              
secure tools  for estate  planning while  the policies  remain un-                                                              
matured.                                                                                                                        
                                                                                                                                
                                                                                                                                
5:42:57 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  LEDOUX  related   a  scenario  involving  criminal                                                              
action,  but noted the  standards  of proof in  a criminal  action                                                              
and  a  civil  action  are  different.    She  asked  for  further                                                              
clarification that  regardless of the amount of  damages, they can                                                              
keep the insurance policy that may be valuable.                                                                                 
                                                                                                                                
MR.  BAQUERO answered  that  the  intent of  the  bill  is not  to                                                              
harbor savings,  earnings, or investment  of an insurance  policy;                                                              
instead, the  intent is to secure  the investments a  person makes                                                              
in an insurance  policy while the policy is un-matured.   Once the                                                              
policies  have matured  and the  assets have  transferred over  to                                                              
the  beneficiary,   the   assets  become   the  property   of  the                                                              
beneficiary and  are attachable.  This  bill was trying  to put AS                                                              
09.38.025 in  line with exemptions  for retirement plans  under AS                                                              
09.38.017.                                                                                                                      
                                                                                                                                
5:45:53 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE   LEDOUX  asked  whether   retirement  plans   were                                                              
exempt.                                                                                                                         
                                                                                                                                
MR.  BAQUERO answered  there was  no numerical  value limit  since                                                              
they are fully exempted.                                                                                                        
                                                                                                                                
REPRESENTATIVE LEDOUX  remarked she  had some problems  with that,                                                              
too.                                                                                                                            
                                                                                                                                
5:46:19 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  HUGHES  suppose   someone  owes  $500,000  to  the                                                              
creditor.   She  asked whether  the  creditor can  come after  the                                                              
debtor.                                                                                                                         
                                                                                                                                
MR. BAQUERO  stated that  currently under  AS 09.38.025,  when the                                                              
policy has  matured the assets  are attachable.   This legislature                                                              
pertains to un-matured  life insurance and once  the insurance was                                                              
matured, the  assets are  accessible to  garnishment.   In further                                                              
response to  Representative Hughes,  he said  that once  the value                                                              
of the policy exceeds $500,000, it is subject to garnishment.                                                                   
                                                                                                                                
5:48:11 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE HUGHES  related her understanding that  was current                                                              
law, but if this bill passes it could not be garnished.                                                                         
                                                                                                                                
MR. BAQUERO answered  that if the bill passed it  would exempt all                                                              
un-matured  life insurance  and  annuity contracts  regardless  of                                                              
the value limit.                                                                                                                
                                                                                                                                
5:48:37 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE KITO asked for the reason to make these changes.                                                                 
                                                                                                                                
MR. BAQUERO  answered that the  trust and life insurance  industry                                                              
has found that  once clients were buying policies  up to $500,000,                                                              
they  found that  clients wanted  more protection  similar to  the                                                              
protections  that public  employees  have with  respect to  social                                                              
security or  the state's supplemental  annuity plan.  In  fact the                                                              
top   ten  highest   gross  retirement   plans   in  the   state's                                                              
supplemental annuity  were over $1 million and  were shielded from                                                              
garnishment.   This bill was  a means to  level the  playing field                                                              
from  private  employees trying  to  find  a new  estate  planning                                                              
tool.                                                                                                                           
                                                                                                                                
5:50:27 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  KITO  asked  for  further  clarification  that  in                                                              
creating  additional security  with  the policy  does it  decrease                                                              
the cost to consumer for that policy.                                                                                           
                                                                                                                                
MR. BAQUERO deferred to the trust industry to respond.                                                                          
                                                                                                                                
5:50:55 PM                                                                                                                    
                                                                                                                                
RYNNIEVA  MOSS,   Staff,  Senator   John  Coghill,  Alaska   State                                                              
Legislature, echoed  that the sponsor  found that many  people who                                                              
wanted  to invest money  in a  retirement system  were limited  to                                                              
$500,000  to  obtain  the  same  benefits  the  union  and  public                                                              
employees  have.  In  addition,  the  sponsor  was  interested  in                                                              
building a  trust industry in Alaska  that helps to  diversify the                                                              
economy  and potentially  result in  $58 million  in taxes  to the                                                              
state  in 2016.   One  disadvantage  in getting  people to  invest                                                              
more than  $500,000 into  a life insurance  or annuity  program is                                                              
that  money is  not  secure and  is  un-matured.   Currently,  the                                                              
Alaska  Trust Industry  in  Alaska has  $50  million deposited  in                                                              
Northrim  Bank since it  is the  limit for  funds secured  by FDIC                                                              
[Federal  Deposit  Insurance  Corporation].   The  rest  of  their                                                              
funds are  invested in  money markets and  other investments.   In                                                              
conclusion,  she recapped that  the sponsor  would like  to create                                                              
an  industry  and  incentive  people  to  invest  in  larger  life                                                              
insurance policies  since the state assesses premium  taxes on the                                                              
life insurance policies.                                                                                                        
                                                                                                                                
5:52:44 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE   KITO   offered   his  belief   that   individuals                                                              
investing more than $500,000 would be a small pool in Alaska.                                                                   
                                                                                                                                
MS. MOSS  answered that people from  the Lower 48 invest  in these                                                              
life insurance policies.                                                                                                        
                                                                                                                                
5:53:12 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE LEDOUX  offered her belief that the  funds would be                                                              
secure  so long  as people  did not  get into  accidents and  paid                                                              
their bills.                                                                                                                    
                                                                                                                                
MS. MOSS suggested  that people can go to other states  to get the                                                              
policies.   She said  that one  objection the  banks had  was that                                                              
they  couldn't  get  to  a life  insurance  policy  prior  to  the                                                              
insurance  policy   being  issues.    She  said   that  banks  are                                                              
responsible  for  obtaining  collateral   at  the  time  money  is                                                              
loaned.  She suggested  it was a little disingenuous  to reach out                                                              
after the  fact and  grab unto  a life  insurance policy  that was                                                              
purchased after  loans were approved  with other collateral.   She                                                              
suggested  that  if they  issued  a  loan without  an  appropriate                                                              
amount of  collateral would  be the bank's  decision.  She  said a                                                              
person shouldn't be punished for it.                                                                                            
                                                                                                                                
5:54:36 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE LEDOUX  asked whether John  Q. Public who  wants to                                                              
collect his debts.                                                                                                              
                                                                                                                                
MS. MOSS  answered that  state has  exceptions to the  exemptions,                                                              
which  was a  fairly  lengthy list,  but it  does  not give  carte                                                              
blanche protection or immunity from paying debts.                                                                               
                                                                                                                                
5:55:05 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  JOSEPHSON  stated  that  in  his  experience  with                                                              
debtors/creditors  [in his  law practice],  that much  of what  we                                                              
own  is  vulnerable.    He suggested  that  most  people  are  not                                                              
worried about it and take one step at a time.                                                                                   
                                                                                                                                
MS. MOSS  directed attention to the  issue of equal  treatment for                                                              
retirement  and   the  opportunity  to   build  a  nest   egg  for                                                              
retirement.     She  stated  that   public  employees   and  union                                                              
employees are  protected under federal  law with a  $500,000 limit                                                              
for individuals.   She  acknowledged that this  bill was  a policy                                                              
call.  She  said   that  her  issue  is  that   anyone  who  wants                                                              
retirement system should be treated equally.                                                                                    
                                                                                                                                
5:57:24 PM                                                                                                                    
                                                                                                                                
LORI WING-HEIER,  Director, Division  of Insurance, Department  of                                                              
Commerce,  Community, &  Economic  Development  (DCCED), said  she                                                              
testified  on this  bill  in the  Senate.   She  offered that  the                                                              
industry being  discussed was new  to Alaska.  The  life insurance                                                              
industry  in Alaska  has come  up with  an idea  that attempts  to                                                              
stimulate  the insurance  industry  and provide  something new  to                                                              
the   state.     She  said   people  could   question  the   other                                                              
jurisdictions, such  as Switzerland, have so much  business in the                                                              
financial industry.   She answered  that it was because  they have                                                              
created a favorable tax structure.                                                                                              
                                                                                                                                
5:58:51 PM                                                                                                                    
                                                                                                                                
MS.  WING-HEIER  said  that  Vermont has  been  renowned  for  its                                                              
captive  insurance  policies  since   Vermont  built  a  good  tax                                                              
structure,  as have  other  jurisdictions,  such  as the  Bahamas,                                                              
Bermuda,  and the Virgin  Islands.   She offered  her belief  that                                                              
Alaska's  life  insurance  industry   has  expressed  interest  in                                                              
several  changes,  including  the  $500,000 issue,  which  is  not                                                              
limited  to Alaskans  but some of  the biggest  polices in  Alaska                                                              
are  sold  to  nonresidents.    She   characterized  Alaska's  tax                                                              
structure as good,  noting that after $100,000 the  tax rate drops                                                              
from .1  to .08 percent  premium tax.   If Alaska can  become more                                                              
competitive, the industry  believes it can sell  more and removing                                                              
the $500,000  limit may help to  do so.  Secondly,  life insurance                                                              
is a  very safe retirement  vehicle for  small employers,  who may                                                              
not feel  comfortable with stocks  and bonds.  Once  the insurance                                                              
reaches  $500,000,  it  becomes  accessible  to  creditors.    She                                                              
acknowledged everyone  should pay their debts; however,  the issue                                                              
of  fair  play should  be  considered,  such  that the  public  or                                                              
unions paying  into their  retirement systems  are protected,  but                                                              
the private sector  employees are not.  Thus creditors  can access                                                              
their $500,000  or un-matured cash  value, but they  cannot access                                                              
the public employee's $500,000.                                                                                                 
                                                                                                                                
6:00:46 PM                                                                                                                    
                                                                                                                                
MS.  WING-HEIER  explained that  this  bill  does not  affect  her                                                              
division  since the Division  of Insurance's  statutes fall  under                                                              
Title 21 [AS 21];  however, she has done some research.   She said                                                              
that [garnishments]  can  happen on life  insurance and  annuities                                                              
with  criminal  actions,  but  not   under  civil  actions.    She                                                              
recalled the Division  of Insurance did receive a  letter from the                                                              
Department of Law to clarify that point.                                                                                        
                                                                                                                                
6:01:38 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE LEDOUX  expressed concern that the  state might not                                                              
want  to allow  bank  accounts, like  Switzerland  does, in  which                                                              
people can avoid lawsuits and other things.                                                                                     
                                                                                                                                
MS. WING-HEIER  answered she used  Switzerland as an  example, but                                                              
noted  that other  jurisdictions that  have taken  actions on  the                                                              
insurance or financial industries have had good success.                                                                        
                                                                                                                                
6:02:45 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  JOSEPHSON  surmised  the  administration  supports                                                              
this bill.                                                                                                                      
                                                                                                                                
MS. WING-HEIER  answered that  there has  not been any  opposition                                                              
to  the  bill.   In  further  response,  she  clarified  that  the                                                              
division's statutes  are under  Title 21, not  in Title 9  and the                                                              
bill affects  AS 09 and the  administration has not given  her any                                                              
direction on this bill.                                                                                                         
                                                                                                                                
6:03:17 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  JOSEPHSON said he  was in  the process  of vetting                                                              
SB  47, but  he has  found that  normally when  the department  is                                                              
neutral  on   a  bill,  the  administration   doesn't  necessarily                                                              
support the bill.  He assumed that was the case with SB 47.                                                                     
                                                                                                                                
MS. WING-HEIER  reiterated that this  bill would affect AS  09 and                                                              
not the insurance code that falls under AS 21.                                                                                  
                                                                                                                                
6:04:25 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  KITO  suggested  that  it might  be  necessary  to                                                              
protect consumers  and residents  of Alaska,  for example,  if the                                                              
state was  creating a new product,  it will be important  that the                                                              
product  not harm  anyone in  Alaska.   He said he  would like  to                                                              
learn more about potential impacts on Alaskans.                                                                                 
                                                                                                                                
6:05:10 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  HUGHES  said  [the  changes  proposed  in  SB  47]                                                              
sounds like  a new economic opportunity.   She asked  whether this                                                              
could bring in hundreds of millions to the state.                                                                               
                                                                                                                                
MS.  WING-HEIER  answered the  insurance  industry  is the  second                                                              
largest  contributor to  the general  fund in  premium taxes.   If                                                              
the insurance industry  was right in its predictions,  it could be                                                              
significant to Alaska.   Certainly, the state charges  2.7 percent                                                              
as  a rule  on  all  premiums that  come  into  the state.    Life                                                              
insurance taxes  on premiums drop  to 1 percent after  $100,000 in                                                              
premium.    She   estimated  that  the  premium   taxes  would  be                                                              
approximately  $55 or $56  million and if  the market  changed and                                                              
the industry  can entice  people from  the Lower  48 to  invest in                                                              
trusts, annuities,  and life  insurance, it  could be  significant                                                              
to the state.                                                                                                                   
                                                                                                                                
6:06:36 PM                                                                                                                    
                                                                                                                                
CHAIR OLSON  asked for  further clarification  on  the tax  cap of                                                              
.08 percent.                                                                                                                    
                                                                                                                                
MS. WING-HEIER  answered that  another bill  [SB 15] would  reduce                                                              
the premium tax from 1 percent to .08.                                                                                          
                                                                                                                                
CHAIR OLSON  asked for the projections  on a bill that  passed 3-4                                                              
years ago in which the state gave up premium taxes.                                                                             
                                                                                                                                
MS. WING-HEIER offered to research and provide the information.                                                                 
                                                                                                                                
6:07:50 PM                                                                                                                    
                                                                                                                                
MATTHEW BLATTMACHR,  Vice-President & Trust Officer,  Alaska Trust                                                              
Company,   stated  that   Alaska  Trust   Company  doesn't   offer                                                              
insurance  services  nor was  one  that  the company  was  pushing                                                              
forward, but the  Alaska Trust Company supports it.   He explained                                                              
that  a substantial  portion  of its  business  comes from  estate                                                              
planning with life insurance and annuity contracts.                                                                             
                                                                                                                                
6:08:44 PM                                                                                                                    
                                                                                                                                
MR.  BLATTMACHR  asked  how  much  was lost  in  revenue  for  the                                                              
previous  premium taxes.    He said  the  statute currently  reads                                                              
that the  state charges 2.7 percent  on any premium  under 100,000                                                              
and it drops  ten basis points after  $100,000.  At the  time that                                                              
bill  passed,  the Alaska  Trust  Company  asked the  Division  of                                                              
Insurance for  largest policy  premium, with  no policy  in excess                                                              
of $50,000.   This  didn't give  up any  premium tax revenue,  but                                                              
gave an incentive to receive additional large policies.                                                                         
                                                                                                                                
6:09:50 PM                                                                                                                    
                                                                                                                                
CHAIR  OLSON asked  whether the  prior bill  affected any  premium                                                              
tax impact.                                                                                                                     
                                                                                                                                
MR. BLATTMACHR testified it was his understanding it did not.                                                                   
                                                                                                                                
6:10:06 PM                                                                                                                    
                                                                                                                                
CHAIR OLSON  asked for further clarification  on why the  bill was                                                              
passed.   He  recalled  it was  going to  bring  in large  premium                                                              
policies.                                                                                                                       
                                                                                                                                
MR.  BLATTMACHR answered  that  did impact  a  number of  policies                                                              
that  came to the  state, but  it did  not cost  to implement  the                                                              
changes.                                                                                                                        
                                                                                                                                
6:10:47 PM                                                                                                                    
                                                                                                                                
MR. BLATTMACHR  said that the  life insurance industry  is growing                                                              
in Alaska  and contributes to the  state's economic industry.   He                                                              
said that the  trust industry in Alaska deals  with life insurance                                                              
almost  on a  daily base  so it  is in support  of the  bill  as a                                                              
means of keeping Alaska as attractive environment.                                                                              
                                                                                                                                
6:11:25 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  HUGHES related  her  understanding  that the  last                                                              
change to  1 percent in  taxes didn't affect  revenue.   She asked                                                              
what Alaska gained.                                                                                                             
                                                                                                                                
MR. BLATTMACHR  answered that the  discussion today  was regarding                                                              
SB 47,  but the tax change  was contained in  SB 15.   However, he                                                              
did state that  Alaska has received additional  policies it likely                                                              
would not  have received due to  the favorable tax structure.   He                                                              
suggested that the  exact number would be difficult  to determine,                                                              
but  he  offered  that currently,  the  state  has  a  substantial                                                              
number of large policies.                                                                                                       
                                                                                                                                
6:12:36 PM                                                                                                                    
                                                                                                                                
LINDA  HULBERT  stated that  she  was  involved in  the  insurance                                                              
industry as an agent  for 25 years and prior to  that she spent 20                                                              
years in the educational  community in Alaska.  She  said she does                                                              
not represent  any companies,  but represents  herself.   She said                                                              
that this protection  was available in many states  throughout the                                                              
United States,  including New York,  Florida, Texas,  and Arizona.                                                              
She said  that many states have  the exemption for  life insurance                                                              
and annuities as  part of their state policies.   She said that if                                                              
someone  were to  move  from Alaska  to New  York  and took  their                                                              
insurance  policy  with them  and  changed their  residency,  they                                                              
would  have  this  protection.     She  characterized  this  as  a                                                              
fairness  issue  and  an  opportunity to  create  revenue  and  an                                                              
opportunity for savings.                                                                                                        
                                                                                                                                
6:14:37 PM                                                                                                                    
                                                                                                                                
CHAIR OLSON asked whether NAIC has any model legislation.                                                                       
                                                                                                                                
MS. WING-HEIER  answered no, not  with respect to lifting  the cap                                                              
for creditors since it does not affect Title 21.                                                                                
                                                                                                                                
6:15:02 PM                                                                                                                    
                                                                                                                                
REPRESENTATIVE  KITO  asked  whose  responsibility  Title  9  fell                                                              
under.                                                                                                                          
                                                                                                                                
MS. WING-HEIER  said she was  unsure since statutes  governing the                                                              
Division of Insurance  fall under Title 21, so she  was unsure who                                                              
administers the title.                                                                                                          
                                                                                                                                
[SB 47 was held over.]                                                                                                          

Document Name Date/Time Subjects
HB159 Ver W.pdf HL&C 4/15/2015 3:15:00 PM
HB 159
HB159 Sponsor Statement.pdf HL&C 4/15/2015 3:15:00 PM
HB 159
HB159 Supporting Documents-Powerpoint Am Academy Family Physicians DPC Leg - Reg update.pdf HL&C 4/15/2015 3:15:00 PM
HB 159
SB47 ver A.pdf HL&C 4/15/2015 3:15:00 PM
SB 47
SB47 Sponsor Statement.pdf HL&C 4/15/2015 3:15:00 PM
SB 47
SB47 Sectional Analysis.pdf HL&C 4/15/2015 3:15:00 PM
SB 47
SB47 Fiscal Note-SB47-DCCED-DOI-02-20-15.pdf HL&C 4/15/2015 3:15:00 PM
SB 47
SB47 Supporting Documents-AS09.38.010-.030 Alaska Exemptions Act.pdf HL&C 4/15/2015 3:15:00 PM
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SB47 Supporting Documents-AS09.38.065 Claims Enforceable Against Exempt Property.pdf HL&C 4/15/2015 3:15:00 PM
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SB47 Supporting Documents-AS34.40.010 Invalidity Generally..pdf HL&C 4/15/2015 3:15:00 PM
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SB47 Supporting Documents-Legal Opinion on Retirement Benefits 3-20-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB47 Supporting Documents-Letter-Cook Schuhmann & Groseclose Inc-3-26-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB47 Supporting Documents-Letter-Hompesch & Evans Attorneys at Law 3-26-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 ver W.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Sponsor Statement.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Sectional Analysis.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Fiscal Note DCCED-CBPL 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Fiscal Note DHSS-MAA 3-14-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Fiscal Note DHSS-MAA 4-7-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Emails-3-19-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Document-Collaborative Agreement costs.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Document-Pharmacist Collaborative Prctc Detail.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Adele Garrison.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-AK Pharmacists Assn 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Bd of Pharmacy 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Brown 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Island Pharmacy 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-NACDS 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Ron's Apothecary 3-13-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Safeway 3-16-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Letter-Soden 3-23-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB71 Supporting Documents-Physician Collaborative Prctce detail.pdf HL&C 4/15/2015 3:15:00 PM
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HB185 ver A.PDF HL&C 4/15/2015 3:15:00 PM
HB 185
HB185 Sponsor Statement.pdf HL&C 4/15/2015 3:15:00 PM
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HB185 Sectional Analysis of SB 99- Updated 04-10-15.pdf HL&C 4/15/2015 3:15:00 PM
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SB 99
HB185 Supporting Documents-Executive Summary.pdf HL&C 4/15/2015 3:15:00 PM
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HB185 Supporting Documents-Powerpoint - Title 4 Review.pdf HL&C 4/15/2015 3:15:00 PM
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HB185 Supporting Documents-Title 4 Recommendations.pdf HL&C 4/15/2015 3:15:00 PM
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HB185 Supporting Documents-Title 4 Review Process.pdf HL&C 4/15/2015 3:15:00 PM
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SB47 Opposing Documents-Letter AK Bankers Assoc 4-10-15.pdf HL&C 4/15/2015 3:15:00 PM
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