CMS Commission Change

[Russ]

No, that really is a silly idea. We all need to use common sense... I don't hand this script out, I use it for myself. What if I had it memorized (I do, too)? What would be the difference if I left it at home? The fact that I use it as a handy reference is nothing that CMS would find fault with, other than the content, same as the content of anyone else's presentation. The fact that I have gone to the trouble to ensure that everything is discussed as required, is compliant in content, and can be produced as documentation, shows the effort I put into doing the best I can for the beneficiary. Again, this is not handed out!

I think anyone who thinks a script used in such manner would need CMS approval needs to take a step back and think. We need to consider if we are gun-shy from all the saber-rattling of CMS regs. I carry a lot of material in my attache... not just this script. I don't hand it out, either, but I will refer to it if needed. Some of it is provided by the carriers I am appointed with and marked: "For broker use only". This is to document that it is not to be handed out because it is not "approved marketing material" (this is to protect the source). I also use a legal pad... sometimes I write on it to illustrate something.... that is not "CMS approved" either!

BTW: I do hand out some marketing material that is not CMS approved: My business card!

I didn't figure it was in violation...but, I was just asking and I was trying to ask in a polite way.

 

[retread]

I didn't figure it was in violation...but, I was just asking and I was trying to ask in a polite way.

I appreciate that.

The problem with raising questions based more on the emotions of the moment rather than a well thought-out query is that you present the demand to respond or face acquiescence. It is frustrating to have to deal with inaneness....

My request to you is that you try to pose reasonable questions, please.

In your defense, I will say however... that there are some reading this forum that probably needed to see this dialog. We still have some agents that are intellectually challenged when trying to make sense of what should be straight forward regulations. I think the problem stems from those who read into the regs their own fears or inadequacy.

 

[Russ]

I appreciate that.

The problem with raising questions based more on the emotions of the moment rather than a well thought-out query is that you present the demand to respond or face acquiescence. It is frustrating to have to deal with inaneness....

My request to you is that you try to pose reasonable questions, please.

In your defense, I will say however... that there are some reading this forum that probably needed to see this dialog. We still have some agents that are intellectually challenged when trying to make sense of what should be straight forward regulations. I think the problem stems from those who read into the regs their own fears or inadequacy.

I agree I probably could have presented my question differently. I was rather tired after a long day. Sorry for the confusion.

 

[midwestbroker]

Trying to stay 100% compliant depends on what day of the week you are selling on.

Tuesday CMS says that you cannot have the client sign the SOA form at the beginning of the appointment period. Wednesday they are now say you can if it is a special circumstance. Thursday they change the SOA form. etc...

Trying to find an agecy that is honest and ethical is a challenge. I am lucky to be part of one, but we only deal in the KC area.

If you call CMS about another agent, they will tell you they do not take calls from agents about other agents. CMS is only looking out for themselves. They really do not care about the senior or the agent (have seen that first hand).

Moral of the thread...take care of your clients. Do what is best for them and you will not have to worry about CMS.