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Vancouver Island treehouses are very different from the rest of the world, and they offer magical views of nature and next-level architecture.
When it comes to unique accommodation options, sometimes a person feels the need to get away from it all. The crowd, the constant movement, the blur of everyday life … and even the ground. Right?
In the most literal absolute sense, what we mean by this is a tree house go away. High in the sky, far from the chaos of the ground below. Not everyone immediately realizes that’s an option, but it does – and some of the more unique rentals are on Vancouver Island. These spherical shapes are so intricate that they have been hailed as one of the most unique accommodations in the world, and that is why they are worth spending the night there.
Related: You Can Live Your Treehouse Dreams In This Corner Of The Missouri Ozarks
One with nature
These spherical treehouses are known as the Free Spirit Spheres and currently there are three available for rent. However, these aren’t just any typical treehouse rentals – each one is diverse and entirely its own ‘home’, with spherical details that set it apart from the rest of the world.
For starters, these floating spheres were designed to appear as if they were actually part of the woodland nature that surrounds them. Each is shaped like a nut or a seed and is constructed from cedar or spruce wood. Rather than the design contradicting its surroundings, these spheres fit perfectly among the trees, barely noticeable unless you are intentionally looking for them. The cables that connect the spheres to the canopy of the trees above echo those of the cobwebs, adding a surreal and magical effect to what is already an interesting sight to see.
Creating each sphere takes a page from the Book of Sailboat Building; featuring perfectly curved walls with portholes for the windows. Everything in the spheres has been carefully selected and designed to present foldable functionality, even down to the loft beds which are also slightly curved to suit each space. Reaching each orb is as easy as climbing the spiral staircase that leads to its unusually curved front door which in itself is a thrilling and eerie experience.
The Luna Sphere is the newest addition to the trio of spherical tree houses found in the woods of Vancouver Island. Measuring only about ten and a half feet in diameter, this sphere still manages to have room for five windows, a sofa-style table, and a seating area to one side. On the other, customers can find a small kitchen counter, sink and bench. A hydraulic lift system is responsible for lowering the double bed when it is time to sleep, which is otherwise hidden and out of sight during the day.
- Approvals: Filtered water, electric heating, two opening windows, cupboards stocked with crockery, tea & coffee fixtures, a speaker system, electric composting toilets.
- Place: Artificial yellow cedar with a view of the pond, cedars and maple trees.
- Price / Night: $ 374 CDN / one night, $ 648 CDN / two nights + $ 324 CDN for each additional night.
*The most luxurious option; Luna offers access to a private three-piece bathroom 50 meters outside the sphere in the central public baths.
The first of the trio was Melody, and this fiberglass sphere contains a lot more than it looks. However, the first thing most guests notice about it is the pattern on the outside of the sphere, which features birds in flight, leaving a trail of musical notes behind them. The interior of Melody was constructed in black walnut, with an open plan living space in mind. Five windows and a skylight let in plenty of natural light, along with a small sink, cupboards and a set of crockery. This interior space includes benches and two folding tables, as well as a fold-out bed that can comfortably accommodate two people.
- Approvals: Purified water, tea and coffee fixtures, electric heater + thermostat, adjustable lighting, private electric composting dry toilets, wired for 120V AC (perfect for those looking for a creative workspace) and built-in speakers.
- Place: Above a spiral staircase and across a small bridge into a grove of trees.
- Price / Night: $ 354 CDN / one night, $ 608 CDN / two nights + $ 304 CDN for each additional night.
The Eryn Sphere is made entirely from spruce wood and has been handcrafted to give it a natural look. Similar to Luna, Eryn also has five windows with the addition of a skylight in this 10.5 foot space. The design includes a small sink and fridge, a respectable workspace, a cabinet stocked with crockery, a sofa, and a slightly undersized double bed with the addition of a smaller loft sleeping space (weight limit of 165 lb).
- Approvals: Filtered water, fixtures for coffee and tea, electric heating + thermostat, and a sound system.
- Place: At the end of a raised walkway in a grove, then at the top of a spiral staircase.
- Price / Night: $ 334 CDN / one night, $ 568 CDN / two nights + $ 284 CDN for each additional night.
Next: This treehouse is the world’s most requested Airbnb
Why Fiji is a safe destination and how to have the best vacations
About the Author
(1720 articles published)
Originally from New York, Katie is used to a fast paced lifestyle. She made her personal debut with writing in second grade and carried that passion with her until she earned a spot in her high school’s published book of poetry – but not before becoming an editor and columnist. for the high school newspaper. In college, she majored in English literature with a major in political science, absorbing most of the creativity and method of one of the last professors to study with the famous beat poet Allen Ginsberg. The more she wrote, the more she learned about the world and, more importantly, about herself. She has been writing professionally and publishing since the age of 19. For nearly a decade, she has covered topics such as entertainment, lifestyle, music news, video game reviews, food culture, and now has the privilege of writing and editing for TheTravel. . Katie firmly believes that every written word is a journey to yourself and your own thoughts, and by understanding this people can begin to understand each other. Through her voice, she brings personality, research, and a bit of friendly sarcasm to every piece she writes and edits.
More from Katie Machado


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Claptone to present Immortal live at Coachella 2016
In early 2015, German luminary Claptone announced his plans for a new, live audio-visual show entitled ‘Immortal.’ Divided into three chapters — The Past, The Present, and The Future — each containing their own visual language, the project is a partnership with creative director Peter Martin, who is responsible for earth-shattering projects such as the world’s first holographic duet.
Last year, Immortal Live debuted at festivals including Ultra Music Festival, Stereosonic, and Melt!, to name a few. Now, Coachella is next in line to play witness to the exciting live performance. The news has been confirmed by Coachella’s updated lineup poster (which you can see below) which now reads “Claptone Immortal Live.” According to one ardent Claptone fan on Reddit, two members of the enigmatic group will likely appear at the annual festival, possibly even bringing along live vocalists for the trip.
H/T: Reddit (r/Coachella)

domain: entertainment


text: Preschool children's recall of both experienced and non-experienced activities was examined across three interviews. One hundred and six children aged 4 to 5 years (58 males, 48 females) from both low and high socioeconomic status areas participated in an event called the Deakin Activities, which consisted of two experienced activities. One or two days later, the children were asked to recall what happened in the two activities and an activity they had not experienced which was suggested to have occurred along with the experienced activities. Next, children were given false suggestions about one of the experienced (true-biased) activities and the non-experienced (false) activity. For the remaining experienced (true-unbiased) activity, no questions were asked. Three and eight days after the activities were presented, children were again required to recall all three activities in their own words while a variety of suggestive techniques were used as encouragers. The results revealed that irrespective of the SES group, assent rates across the true and false activities became more similar after the first interview. Furthermore, children's narratives about the false activity became more similar in detail, structure and quality to their narratives about the true activities across interviews. However, the rate of fantastic/improbable details was higher for the false activity compared to the true activities, children reported more interviewer suggestions about the false activity than the true-biased activity, and there were fewer confabulation errors reported about the false activity compared to the true activities. The implications of the results are discussed. Copyright © 2003 John Wiley & Sons, Ltd.

domain: psychology


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Marina Colonna Sage (Salvia) Infused EVOO
Free Shipping on orders $75+!
When we lived in Italy, we infused our EVOO by adding sage to the EVOO and letting it sit for a few weeks. That is no longer necessary, because Marina takes the natural essential oil from sage and adds it to the olives during the crushing process. That allows the sage to become part of the EVOO.
All of our Marina Colonna EVOOs come beautifully packaged in a 250ml glass Anfora-shaped bottle.
Sage Infused Extra Virgin Olive Oil is sublime on ravioli, roast chicken, bean & grain soups, pan-cooked sole and potato salads.
This plant, native to the Southern European region, was considered sacred by the ancient Romans and Greeks. Sage-infused EVOO is known for its therapeutic properties including anti-fungal, antimicrobial and antioxidant properties.
Meet The Makers
Marina Colonna inherited her father's Molise-based 55 hectare olive farm in 1996. Growing up, her father always pressed the olives with the rinds of their organic lemons to produce a true infused Lemon Extra Virgin Olive Oil, and Marina continued that practice with many ingredients. Try her unique Basil, Cinnamon, or Truffle Infused EVOO for a 'wow' experience.View The Profile

domain: food


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Groovy bass and 70s reminiscent vocals comprise the ethereal vibe of Toebow’s debut single, “Starfucker.” The first single from their debut EP Spirit Mane, the track carries a strong presence of early R&B and modern psychedelic rock, the track feeling like The Doors in its verses and Fleetwood Mac in its chorus. The Brooklyn based five-piece band is comprised of Martin Zimmermann (vocals, guitars, drums), Nate Ulsh (vocals, guitars), Charlie Kessinich (Drums, Guitars), Olenka Burgess (vocals, keys), and Jo-Anne Hyun (bass, vocals).
There’s an overwhelming sense of togetherness throughout Toebow’s debut– their friendship and unity add to their art, inviting us into their performance and passion for music. A kaleidoscope for the ears, Toebow’s upcoming EP is sure to be full of swirling psychedelic riffs and uplifting vocals.
Spirit Mane is set for an April 6th release, and you can keep up with Toebow here.

domain: artistic


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Summary of Bills Enacted by the 82nd Texas Legislature
During the 82nd regular session of the Texas Legislature, the Department of Insurance (TDI) tracked 1,057 bills, and 195 of those passed and were sent to the Governor.
This article summarizes some of the enacted legislation that directly impacts TDI or the insurance industry. The summaries are grouped alphabetically by subject headline, from Agencies Sunset Bills to Workers' Compensation. Summaries begin with the bill number and the primary author and House or Senate sponsor. Because these excerpts are summaries only, those interested in actual details are encouraged to view the full text of each bill, along with legislative histories, analysis and fiscal impacts at the Texas Legislature's website at: www.capitol.state.tx.us/.
Of particular note was the passage of Sunset legislation to extend the operation of the Department of Insurance to September 1, 2023 in House Bill (HB) 1951 by L. Taylor, (sponsored by Hegar). Legislation also was passed to extend the operation of TDI's Division of Workers' Compensation to September 1, 2017 (HB 2605 by L. Taylor; sponsored by Huffman).
During a Special Session called by the Governor, several budget-related bills, a significant healthcare incentives and innovations bill, and a bill regarding the Texas Windstorm Insurance Association (TWIA) were passed over a thirty-day period. Senate Bill (SB) 7 by Nelson, et al.; (sponsored by Zerwas) authorizes the establishment, and TDI licensure, of health care collaboratives for physicians and hospitals to work together to create incentives for cost savings and to promote efficiencies in quality of care. HB 3 by Smithee (sponsored by Carona) balances the interests of coastal residents and the state as a whole in seeking to restore financial and operational strength to TWIA, the Texas windstorm insurer of last resort.
AGENCIES SUNSET BILLS
HB 1951 by L. Taylor; Sponsored by Hegar (Effective September 1, 2011)
HB 1951 continues the operations and functions of the Texas Department of Insurance to September 1, 2023. The bill updates the duties and purpose of TDI to ensure fair treatment of consumers and fair competition in the insurance industry. It provides for maintaining claims information for certain personal lines of insurance, using technology to increase public access, and developing a policy for negotiated rulemaking and alternative dispute resolution. The bill refines certain functions of TDI in the areas of property and casualty rate filing review procedures, claims data collection, title insurance statistical reporting, and State Fire Marshal assessments of administrative penalties and inspections of state owned and leased buildings. It also addresses individual health coverage for children younger than 19 years of age, managed care plan practices regarding therapeutic optometrists and ophthalmologists, surety bond company reinsurance requirements, and residential fire alarm technician training and examination. The bill further requires notices of rate increase and increase in charge for coverage in individual accident and health insurance policies, small employer health benefit plans, and health maintenance organization (HMO) policies. The bill abolishes certain advisory boards and committees and also establishes an adjuster advisory board. Except as otherwise specified, the Act applies only to an insurance policy, contract, or evidence of coverage that is delivered, issued for delivery, or renewed on or after January 1, 2012.
HB 2605 by L. Taylor; Sponsored by Huffman (Effective September 1, 2011)
HB 2605 continues the operations and functions of the Division of Workers' Compensation (DWC) of the Texas Department of Insurance to September 1, 2017. The bill refines processes regarding designated doctors, benefit dispute resolution, and the Division's Medical Quality Review Panel. The bill requires that appeals of independent review organization medical dispute decisions for non-network claims, certified network claims under Chapter 1305 of the Insurance Code and claims receiving benefits in accordance with Section 504.053 (b) (2) of the Labor Code are to be heard at the Division's contested case hearings, while appeals of medical fee dispute decisions for non-network claims are to be heard by the State Office of Administrative Hearings (SOAH). The bill also clarifies that in appeals of medical fee disputes at SOAH, the non-prevailing party, other than an injured employee, is responsible for paying SOAH's hearing costs. The bill also makes changes to the administrative violations provisions of the Workers' Compensation Act to align the enforcement authority of the Commissioner of Workers' Compensation with the Commissioner of Insurance, including allowing the Division greater inspection authority for system participants, emergency cease-and-desist authority, and final decision making authority on enforcement actions appealed to SOAH. The bill further adds sections to the Labor Code regarding expedited provision of medical benefits for certain work-related injuries sustained by a first responder employed by a political subdivision with the intent to ensure that an injured first responder's claim for medical benefits is accelerated by a political subdivision, insurance carrier, and the Division to the full extent authorized by current law. The Act is applicable generally to events occurring on or after the effective date of September 1, 2011, except where specified (provisions concerning medical disputes based on review by an independent review organization or appeal of medical fee disputes based on Division review apply on or after June 1, 2012, and designated doctor provisions apply on or after January 1, 2013). Additionally, the Commissioner of Workers' Compensation shall adopt rules regarding certification of designated doctors as amended by this Act not later than January 1, 2013.
SB 647 by Hegar; Sponsored by L. Taylor (Effective September 1, 2011)
SB 647 continues the operations and functions of the Office of Public Insurance Counsel (OPIC) to September 1, 2023. The bill adds standard Sunset provisions regarding alternative dispute resolution procedures and requires OPIC to develop and implement a policy to encourage the use of appropriate alternative dispute resolution procedures under Chapter 2009 of the Government Code to assist in the resolution of internal and external disputes under OPIC's jurisdiction. The bill also requires OPIC to coordinate the implementation of the policy, provide training as needed to implement the procedures for negotiated rulemaking or alternative dispute resolution, and collect data concerning the effectiveness of those procedures.
HB 1774 by L. Taylor; Sponsored by Huffman (Effective September 1, 2011)
HB 1774 continues the operations and functions of the Office of Injured Employee Counsel (OIEC) to September 1, 2017. The bill adds standard Sunset provisions regarding alternative dispute resolution procedures and requires OIEC to develop and implement a policy to encourage the use of appropriate alternative dispute resolution procedures under Chapter 2009 of the Government Code to assist in the resolution of internal and external disputes under OIEC's jurisdiction. The bill also requires OIEC to coordinate the implementation of the policy, provide training as needed to implement the procedures for negotiated rulemaking or alternative dispute resolution, and collect data concerning the effectiveness of those procedures. The bill contains provisions regarding OIEC's access to information from the Division and also adds a provision that when assisting an injured employee, OIEC is entitled to the same access to information related to the employee's injury and workers' compensation claim as the employee or any other party to the claim. The provisions regarding OIEC's access to information apply to a claim for workers' compensation benefits based on a compensable injury regardless of whether the injury occurred before, on, or after the effective date of this Act.
AUTO / PROPERTY / HOME
HB 3 by Smithee; Sponsored by Carona (Effective September 28, 2011)
Texas Windstorm Insurance Association - Special Session
HB 3 enacts several reform and oversight provisions relating to the Texas Windstorm Insurance Association (TWIA) that are intended to address operational deficiencies that were identified in the aftermath of the 2008 hurricane season. The bill focuses on the areas of consumer protection, claims solvency, transparency, agency oversight, and lawsuit abuse prevention.
The bill provides for
a) streamlining of claims processing, including deadlines for filing of claims, completing investigation of claims, and filing lawsuits after TWIA's decision on a claim;
b) elimination of treble damages and 18 percent penalty for failure to abide by claims processing timelines;
c) recovery of double damages (aggregate of "covered loss" as defined and consequential damages) upon proof of clear and convincing evidence of intentional acts by TWIA;
d) transparency of TWIA operations regarding open meetings, publishing high-level salary information, allowing TDI into closed sessions of the TWIA board, and setting forth standards of conduct for Board and employees;
e) auditing and oversight of TWIA by TDI; and
f) establishing a dispute resolution process that includes mediation and appraisal determinations and also allows TWIA to offer a premium discount for including a policy provision for binding arbitration.
The bill also directs TDI to establish an "Ombudsman Program" to provide information and education and assist TWIA policyholders with the claims processes. The bill further establishes parameters for enforcement concerning qualified windstorm building code inspectors and provides for a premium discount for building to a more stringent building code than is required. The bill creates a legislative interim study committee to review alternative ways to provide insurance to the Texas seacoast territory and requires a report and recommendations to the Governor and Legislature by December 1, 2012.
The bill also directs TDI and TWIA to jointly study whether a "single adjuster program" would improve claims paying efficiency of TWIA. The bill additionally authorizes the issuance of pre-event bonds, clarifies certain funding and bonding provisions relating to the solvency of TWIA, and makes the new provisions applicable to issuance of securities on or after the effective date of the Act in response to occurrences that take place on or after July 1, 2011. The Act takes effect on the 91st day after the last day of the legislative session (82nd Legislature, 1st Called Session ended on June 29, 2011).
HB 1541 by McClendon; Sponsored by Wentworth (Effective September 1, 2011)
Automobile Burglary and Theft Prevention Fee
HB 1541 amends several provisions relating to the Automobile Burglary and Theft Prevention Authority, including Section 10, Article 4413(37), Vernon's Revised Civil Statutes, that increases the Automobile Burglary and Theft Prevention Fee from $1.00 to $2.00 per motor vehicle. The bill also provides that 50 percent of each fee collected may be appropriated only to the Authority for the purposes of this article. The increase required by this Act applies only to an insurance policy issued, delivered, or renewed on or after September 1, 2011.
HB 2093 by Thompson; Sponsored by Van de Putte (Effective January 1, 2012)
Consolidated insurance programs
HB 2093 adds new Chapter 151 to the Insurance Code regarding the operation and regulation of certain consolidated insurance programs. The bill defines "consolidated insurance program" as a program under which a principal provides general liability insurance coverage, workers' compensation insurance coverage, or both that are incorporated into an insurance program for a single construction project or multiple construction projects. The bill sets forth general requirements related to such programs - including duration of completed operations general liability insurance coverage and enforceability of indemnity provisions - and requires the Commissioner of Insurance to adopt rules as necessary to implement the requirements. The bill also states that a provision of the new chapter may not be waived by contract or otherwise. The Act applies only to a new or renewed consolidated insurance program for a construction project that begins on or after January 1, 2012.
HB 2382 by Murphy, et al.; Sponsored by Estes (Effective September 1, 2011)
Nonrenewal notice requirements
HB 2382 adds a provision to the 30-day nonrenewal notice requirements of property and casualty insurance policies contained in Sec. 551.105 of the Insurance Code to require the termination of an existing policy on the effective date of any replacement or succeeding insurance policy with another carrier for certain specified types of property. The bill states that, "Notwithstanding the failure of an insurer to comply with this section, the policy shall terminate on the effective date of any replacement or succeeding insurance policy with another carrier with respect to the insured (a) personal automobile, (b) home, farm, ranch, dwelling, duplex, or apartment, or (c) other real or personal property."
HB 2503 by Thompson; Sponsored by Eltife (Effective September 1, 2011)
Secretary of State registration - agent licensing process
HB 2503 removes the Secretary of State registration requirement from TDI-determination in the insurance agent licensing process, but it would have no effect on whether or not a business is required to register with the Secretary of State under the Texas Business Organizations Code. The bill applies only to a license application filed on or after the effective date of this Act.
HB 2559 by Truitt; Sponsored by Harris (Effective September 1, 2011)
Commercial motor vehicle installment sales
HB 2559 creates a new Chapter 353 in the Finance Code relating to commercial motor vehicle installment sales. The bill contains a foundational structure for these types of sales, including general provisions; insurance required by retail installment contracts; contract holders' rights, duties, and limitations; contract holder licensing; permitted pricing and charges; and applicability of Insurance Code provisions relating to service contracts, debt cancellation agreements, and premium financing.
HB 2655 by Sheets; Sponsored by Carona (Effective September 1, 2011)
Notice of coverage reduction
HB 2655 amends Insurance Code Sec. 2002.001 as it relates to notice of coverage reduction of a property and casualty insurance policy. The bill specifies that the notice must be provided to the policyholder not later than the 30th day before the date on which the policy expires. The bill also amends Sec. 551.105 of the Insurance Code to provide that the notice allowed under Sec. 2002.001 may be provided to an insured in lieu of an insurer having to nonrenew the policy.
HB 2931 by Woolley; Sponsored by Van de Putte (Effective September 1, 2011)
Debt cancellation agreements - Retail installment contracts
HB 2931 adds a new subchapter to the Finance Code relating to certain debt cancellation agreements made in connection with retail installment contracts. New subchapter G of Chapter 348 of the Finance Code applies only to a debt cancellation agreement that includes insurance coverage as part of the retail buyer's responsibility to the holder. The bill sets forth the requirements for these types of agreements, including language required in the debt cancellation agreement, disclosures, and approval of forms. The bill also states that a debt cancellation agreement may not knowingly be offered by a retail seller if: (1) the retail installment contract is already protected by gap insurance; or (2) the purchase of the debt cancellation agreement is required for the retail buyer to obtain the extension of credit. The Act applies only to debt cancellation agreements, as set forth in the new subchapter, entered into on or after September 1, 2011.
SB 425 by Carona, et al.; Sponsored by Hancock (Effective September 1, 2011)
Certificates of Insurance
SB 425 adds new Chapter 1811 to the Insurance Code to require approval by TDI of certificate of insurance forms that are provided as proof of property and casualty insurance coverage. The bill also prohibits property and casualty insurers and agents from issuing certificates of insurance or any other type of document purporting to be a certificate of insurance if the certificate or document alters, amends, or extends the coverage or terms and conditions provided by the insurance policy referenced on the certificate or document. TDI may collect a fee, not to exceed $100, for the filing of a new or amended certificate of insurance form. The bill further contains enforcement provisions that include civil penalties and injunctive relief for violation of this chapter. The Act applies only to a certificate of insurance issued on or after January 1, 2012.
HB 3161 by Hancock; Sponsored by Van de Putte (Effective immediately - June 17, 2011)
Limited purpose subsidiary life insurance companies
HB 3161 adds a new subchapter to the Insurance Code that authorizes the establishment of domestic limited purpose subsidiary life insurance companies to enable those companies to support excess reserves for certain life insurance policies. The bill authorizes the licensure of "limited purpose subsidiaries" as life insurance companies and sets forth requirements concerning issuance of a certificate of authority, capital and surplus, permitted reinsurance, and eligible guarantors. The new subchapter is valid only for business sold after the effective date of the Act and only until January 1 of the year in which principle-based reserve requirements become operative in Texas under the adoption of the National Association of Insurance Commissioner's (NAIC) 2009 amendments to the NAIC Model Standard Valuation Law. After that January 1, the limited purpose subsidiary life insurance company may not assume new risks of a ceding insurer relating to business sold after that date.
HB 3410 by Smithee; Sponsored by Duncan (Effective January 1, 2012)
Managing underwriters for surplus lines insurance
HB 3410 authorizes the placement of surplus lines insurance with a "managing underwriter" defined as a surplus lines agent or agency that exercises, pursuant to a written agreement with an eligible surplus lines insurer, underwriting authority for the eligible surplus lines insurer and that derives the agent or agency's business from a surplus lines agent. The bill also requires the maintaining of appropriate records by the managing underwriter and making the records available for inspection by TDI and the State Comptroller. The bill further requires that a surplus lines agent that places an insurance policy with a managing underwriter shall collect, report, and pay the tax imposed in accord with Chapter 225 of the Insurance Code.
SB 416 by Deuell; Sponsored by Smithee (Effective immediately - May 10, 2011)
Mortgage guaranty insurers
SB 416 amends current law relating to the amount of outstanding total liability of a mortgage guaranty insurer. The bill provides the Commissioner of Insurance with discretion to waive the requirement that mortgage guaranty insurers may not at any time have outstanding under the insurer's aggregate mortgage guaranty insurance policies a total liability, net of reinsurance, that exceeds the sum of the insurer's capital, surplus, and contingency reserve, multiplied by 25. To grant the waiver, the commissioner must find that the company is otherwise adequately capitalized and financially sound to continue writing based on nine specific criteria. The commissioner may retain actuaries, accountants, and other professionals to assist in the evaluation of waiver requests and place appropriate conditions and limitations on any waiver granted. The waiver can be for up to two years subject to renewal at the insurer's request, but an insurer may not be allowed the waivers specified in the bill for a continuous period of more than six years. Further, the bill states that the commissioner may not under any circumstances allow the mortgage guaranty insurer to have outstanding under the insurer's aggregate mortgage guaranty insurance policies a total liability, net of reinsurance, that exceeds the sum of the insurer's capital, surplus, and contingency reserve, multiplied by 50.
SB 567 by Williams; Sponsored by Hancock (Effective September 1, 2011)
Life and Health Insurance Guaranty Association
SB 567 amends Texas law relating to the Texas Life, Accident, Health, and Hospital Service Insurance Guaranty Association based on updates to the National Association of Insurance Commissioners Model Act. It also changes the name to the Texas Life and Health Insurance Guaranty Association to more accurately reflect its purpose. The bill also amends current law relating to certain amounts payable by and the operation of the association. In part, the bill increases the coverage limit for annuities (which has not changed since the law was enacted in 1973) from $100,000 to $250,000 to match the current NAIC Model Act and the laws of most other states.
The bill originated from a legislative recommendation by TDI.
SB 1229 by Eltife; Sponsored by Eiland (Effective immediately - May 28, 2011)
Out-of-state contract examiners
SB 1229 amends current law relating to the registration with TDI of contract examiners with whom another state contracts to examine Texas domiciled insurers or licensed managing general agents. The bill requires that the out-of-state contract examiner provide additional information, including an estimate of the examination costs, a copy of the contract engaging their services with the public agency, and a list of previous and similar examinations of the same insurer within the last three years. It also provides a process for TDI to acknowledge receipt of the registration by written confirmation. The Act applies only to an examination commencing on or after September 1, 2011.
SB 1291 by Hegar; Sponsored by L. Taylor (Effective September 1, 2011)
TDI Examination Division self-directed budget
SB 1291 amends the Insurance Code to provide that the TDI's examination function is funded by a self-directed budget. This aligns TDI's Examination Division and examination function with several other state agencies that regulate financial services and should enhance the ability to attract and retain qualified examiners and actuaries. The bill also provides a one-year transition period for the TDI Financial Program to establish a self-directed budget.
The bill originated from a legislative recommendation by TDI.
SB 1431 by Carona; Sponsored by Smithee (Effective September 1, 2011)
Insurance Holding Company Systems Act
SB 1431 amends the Insurance Code to update the requirements for insurance companies and health maintenance organizations subject to the Texas Insurance Holding Company Systems Act (Chapter 823 of the Insurance Code). The bill conforms to the recently updated model legislation by the NAIC concerning the functions of holding company systems in relation to economic risks. The bill contains provisions that enable insurance regulators to assess the enterprise risk within a holding company system and its potential impact on the solvency of an insurer within the holding company system. The bill requires certain larger insurers to file an "Enterprise Risk Report" with the lead state commissioner of the insurance holding company system (as determined by the commissioner), that identifies the material risks within the insurance holding company system that may pose enterprise risk to the insurer. The bill also authorizes the Commissioner of Insurance, in order to assess the business strategy, financial position, legal and regulatory position, risk exposure, risk management and governance processes, and as part of the examination of individual insurers, to participate in a supervisory college with other entities that regulate the insurer or its affiliates, including other state, federal, and international regulatory entities. An insurer is not required to file an enterprise risk report under Section 823.0595 of the Insurance Code, as added by this Act, until January 1, 2014, and TDI may not implement that section of the bill until the 180th day after the date the Commissioner of Insurance determines that the NAIC has completed an enterprise risk form and has proposed a master confidentiality agreement and places notice of that determination in the Texas Register.
The bill originated from a legislative recommendation by TDI.
SB 1433 by Carona; Sponsored by Smithee (Effective September 1, 2011)
Insurer Receivership Act
SB 1433 amends the Texas Insurer Receivership Act to provide that a determination under federal law that an insurer is subject to receivership by the federal government will also subject the insurer to a receivership initiated by the Commissioner. This would facilitate the Commissioner's ability to file an action within 60 days. The bill also provides for an emergency exception for certain special deputy receiver contracting requirements, such as upon a determination that an insurer poses a systemic and grave risk to the U.S. economy. The bill further contains technical corrections to the Receivership Act since its last major update in 2005.
The bill originated from a legislative recommendation by TDI.
SB 1806 by Lucio; Sponsored by S. Miller (Effective immediately - May 28, 2011)
Timely filing of surplus lines policies
SB 1806 amends the Insurance Code relating to the timely filing of a surplus lines policy. The bill authorizes the Commissioner of Insurance to assess fees for late-filing of surplus lines policies and sets forth a progressive schedule of penalties. The bill also specifies notice requirements by TDI to surplus lines agents for both prospective application and for actions that are pending on the effective date of this Act or filed during the 2010 calendar year.
HB 215 by Gallego, et al.; Sponsored by Ellis (Effective September 1, 2011)
Photograph and live lineup identification procedures in criminal cases
HB 215 adds a new article to the Texas Code of Criminal Procedure regarding "Photograph and Live Lineup Identification Procedures." The bill requires the Bill Blackwood Law Enforcement Management Institute of Texas located at Sam Houston State University to develop, adopt, and disseminate, not later than December 31, 2011, a model policy and training materials regarding the administration of photograph and live lineup identification procedures. The bill sets forth the parameters of the model policy, including development in consultation with law enforcement agencies, scientific experts, and other appropriate organizations. The bill also requires each law enforcement agency in Texas that employs peace officers who conduct such identification procedures in the routine performance of their duties to adopt, not later than September 1, 2012, either the model policy or the agency's own policy that conforms to the bill's required parameters. The bill provides for scheduled reviews, and modification as appropriate, by the Institute of the model policy and training materials and by each law enforcement agency of its adopted policy. The Act applies only to a photograph or live lineup identification procedure conducted on or after September 1, 2012, regardless of whether the offense to which the procedure is related occurred before, on, or after September 1, 2012.
HB 1083 by Elkins, et al.; Sponsored by Hegar (Effective immediately - June 17, 2011)
Identification cards for honorably retired peace officers
HB 1083 amends the Government Code to provide for the issuance of an identification card to an honorably retired peace officer who holds a certificate of proficiency under Section 1701.357 of the Occupations Code. The bill states that the law enforcement agency or governmental entity that last appointed or employed the honorably retired peace officer as a peace officer shall issue the identification card upon request of the peace officer.
SB 918 by Wentworth; Sponsored by Thompson (Effective September 1, 2011)
Immunity for reporting insurance fraud
SB 918 amends the Insurance Code provision regarding immunity for reporting insurance fraud to include situations in which the information is reported to an organization that is primarily dedicated to the detection, investigation, and prosecution of insurance fraud. This type of organization is referenced in the "Duty to Report" section of the Insurance Code chapter on Insurance Fraud and includes such organizations as the National Insurance Crime Bureau (NICB). The bill also specifies the conditions under which the person furnishing the information to such an organization qualifies for the immunity in a civil action.
HB 1 by Pitts; Sponsored by Ogden (Effective September 1, 2011)
General Appropriations Bill
HB 1 contains several appropriations items (new and continuing) relating to TDI, which include:
- A requirement for TDI to contract with the Office of Public Insurance Counsel in the amount of $191,670 each fiscal year from the GR Dedicated-Texas Department of Insurance Operating Fund Account No. 036 to provide consumers with insurance information to make informed decisions.
- A requirement for TDI to submit a quarterly report to the Legislature and the public no later than the 90th day after the last day of the quarter covered by the report the following information for each insurer that writes property and casualty insurance, including workers' compensation insurance, in the state: market share, profits and losses, average rate, and average loss ratio. The report shall include the change in rate over the previous 12, 24, and 36 months.
- A requirement that the Division of Workers' Compensation include information collected about on-the-job injuries and occupational diseases, compliance with notice requirements regarding whether employers carry workers' compensation insurance from non-subscribing employers and administrative penalties levied against non-complying employers under the provisions of the Labor Code § 411.032 and Texas Administrative Code, Title 28, Insurance §§ 110.1, 110.101, and 160.2 in its biennial report submitted to the Legislature.
- A requirement that TDI analyze the cost to the state of maintaining each of the health benefits if required by Texas state statute or rule and if the state will be responsible for paying for such health benefits in a health insurance exchange operating in the state. The department shall report the results of their analysis to the Governor and the Legislative Budget Board not later 90 days after federal rules are finalized or December 31, 2012, whichever is earlier. The report shall include any rationale for and future costs to the state of maintaining any given mandated health benefits.
SB 1 by Duncan, et al.; Sponsored by Pitts (Effective September 28, 2011)
Certain state fiscal matters-Special Session
SB 1 is the state fiscal matters bill passed during the special session. Among other things, the bill provides that insurers are not entitled to premium tax credits for an examination fee paid in calendar year 2012 or 2013. This provision expires January 1, 2014. This change in law applies only to a tax credit for an examination fee paid on or after January 1, 2012. Except as otherwise noted in the bill, the Act takes effect on the 91st day after the last day of the legislative session (82nd Legislature, 1st Called Session ended on June 29, 2011).
LIFE / HEALTH / LICENSING
HB 300 by Kolkhorst, et al.; Sponsored by Nelson (Effective September 1, 2012)
Privacy of protected health information
HB 300 relates to the privacy of protected health information and sets forth administrative, civil, and criminal penalties for disclosure or sale of protected health information or other violations of Chapter 181 of the Health and Safety Code regarding Medical Records Privacy. The bill sets forth the requirements of a "covered entity" (any person, as defined, who comes into possession of, or obtains or stores protected health information) regarding compliance with Health Insurance Portability and Accountability Act and Privacy Standards (HIPAA).
The bill also requires training by each covered entity to its employees regarding the state and federal law concerning protected health information and also contains provisions for consumer access to electronic health records, if used by a health care provider, and the creation of a consumer information website maintained by the Attorney General. Additionally, the Health and Human Services Commission, in consultation with the Department of State Health Services, the Texas Medical Board, and TDI, is required to explore and evaluate new developments in safeguarding protected health information, and not later than December 1 each year, to report to the Legislature. The bill takes effect in September, 2012 and requires various reports and actions to occur in the years following, including, the appointment by the Attorney General, not later than December 1, 2012, of a task force on health information technology that is created by the bill; the establishment by the Attorney General, not later than May 1, 2013, of the Internet website of consumer information on privacy rights and the complaint enforcement process; and, not later than January 1, 2014, the recommendations of the task force on health information technology. The Act applies only to conduct or offenses that occur on or after the effective date.
HB 438 by Thompson, et al.; Sponsored by Carona, et al. (Effective September 1, 2011)
Orally administered anti-cancer medications
HB 438 adds a new provision to the Insurance Code to require coverage by specifically enumerated health benefit plans for orally administered anti-cancer medications. The bill states that a health benefit plan that provides coverage for cancer treatment must provide coverage for a prescribed, orally administered anti-cancer medication that is used to kill or slow the growth of cancerous cells on a basis no less favorable than intravenously administered or injected cancer medications that are covered as medical benefits by the plan. A health benefit plan is not prohibited from requiring prior authorization for an orally administered anti-cancer medication, and if an orally administered anticancer medication is authorized, the cost to the covered individual may not exceed the coinsurance or copayment that would be applied to a chemotherapy or other cancer treatment visit. The bill also restricts health benefit plans from re-classifying anti-cancer medications or increasing out-of-pocket expenses unless applied to the majority of comparable medical or pharmaceutical benefits under the plan, and the bill does not prohibit a health benefit plan issuer from increasing cost-sharing for all benefits, including anticancer treatments. Excepted from the bill's requirements are certain plans, such as specified disease policies, workers' compensation, long-term care, and credit insurance. The Act applies only to a health benefit plan that is delivered, issued for delivery, or renewed on or after January 1, 2012.
HB 1032 by Smithee; Sponsored by Davis (Effective September 1, 2011)
Rescission period for annuity contracts
HB 1032 adds Chapter 1116 to the Insurance Code to require a contractual rescission period of at least 20 days for an "annuity" that is defined as a fixed, variable, or modified guaranteed annuity that is individually solicited, whether classified as an individual annuity or group annuity. Upon rescission of a fixed annuity, the purchaser receives an unconditional refund of premiums paid for the contract, including any contract fees or charges. Upon rescission of a variable or modified guaranteed annuity, the purchaser receives an unconditional refund that is equal to the cash surrender value provided in the contract plus any fees or charges deducted from the premiums or imposed under the contract. The required contractual provision does not apply to an annuity contract if the prospective owner is an accredited investor, as defined by 17 C.F.R. Section 230.501(a) as adopted by the United States Securities and Exchange Commission. The Act applies only to an annuity contract delivered or issued for delivery on or after January 1, 2012.
HB 1405 by Smithee, et al.; Sponsored by Deuell (Effective September 1, 2011)
Health benefit plans - coverage of prescription drugs
HB 1405 expands the applicability of the Insurance Code provision regarding a health benefit plan's coverage of prescription drugs specified by a drug formulary to include individual plans and small and large employer groups. The bill also adds to the exceptions to applicability the child health program/plan under Chapters 62 or 63 of the Health and Safety Code or a Medicaid program under Chapter 533 of the Government Code or Chapter 32 of the Human Resources Code. The bill also contains provisions as to when changes or modifications can be made to a drug plan or formulary; required notices to the commissioner and affected groups/enrollees/individuals; and defined modifications requiring notice, such as removal of a drug from the formulary, prior authorization, and quantity limits. The Act applies only to a health benefit plan delivered, issued for delivery, or renewed on or after January 1, 2012.
HB 1772 by L. Taylor; Sponsored by Duncan (Effective September 1, 2011)
Exclusive provider benefit plans
HB 1772 amends the Insurance Code to permit insurers to offer "exclusive provider benefit plans" defined as a benefit plan in which an insurer excludes benefits to an insured for some or all services, other than emergency care services, provided by a physician or health care provider who is not a preferred provider. The bill requires insurers offering these plans to establish procedures to ensure that health care services are provided to insureds under reasonable standards of quality of care that are consistent with prevailing professionally recognized standards of care or practice. The bill also requires insurers to include notice to current or prospective insureds that the benefit plan includes limited coverage for services provided by a non-preferred provider and further requires use of the acronym "EPO" or the phrase "Exclusive Provider Organization" on the plan's identification card in a location of the insurer's choice. The bill authorizes the commissioner to examine and collect a fee from an insurer to determine the quality and adequacy of a network used by an exclusive provider benefit plan offered by the insurer. The Act applies only to an exclusive provider benefit plan that is delivered, issued for delivery, or renewed on or after January 1, 2012.
HB 2069 by Naishtat; Sponsored by Lucio (Effective September 1, 2011)
Authority of a pharmacist to accelerate refills
HB 2069 amends the Occupations Code to authorize a pharmacist to dispense up to a 90-day supply of dangerous drugs, pursuant to a valid prescription that specifies a lesser amount followed by periodic refills of that amount upon certain conditions. Those conditions include that the dangerous drug is not a psychotropic drug, and the patient is at least 18 years of age. Further, the total quantity of drugs dispensed must not exceed the total quantity authorized by the prescriber on the original prescription, including refills; the patient must consent to the dispensing of up to a 90-day supply and the physician must be notified electronically or by telephone; and the physician has not specified on the prescription that dispensing the prescription in an initial amount followed by periodic refills is medically necessary.
HB 2154 by Eiland, et al.; Sponsored by Ellis (Effective September 1, 2011)
Annuity-related continuing education
HB 2154 follows up on legislation from the 81st Legislature that required agents selling annuities to complete four hours of annuity-related continuing education annually. This bill requires that an agent complete eight hours of continuing education that specifically relates to annuities during the agent's two-year licensing period.
HB 2172 by Torres; Sponsored by Van de Putte (Effective September 1, 2011)
Eligibility of children and grandchildren - group life insurance policies
HB 2172 relates to the eligibility of certain children under group life insurance policies. The bill removes the "unmarried" requirement concerning eligible children in allowing the extension of coverage under a group life insurance policy and additionally permits coverage for children and grandchildren over 25 years of age. The bill also removes the dependency requirement for federal income tax purposes for grandchildren. The Act applies only to an insurance policy that is delivered, issued for delivery, renewed, or amended on or after January 1, 2012.
HB 2277 by Eiland; Sponsored by Williams (Effective September 1, 2011)
Life Settlements and Annuities
HB 2277 repeals current Chapter 1111 of the Insurance Code and replaces it with new Chapter 1111A, relating to consumer protections in the purchase of life settlement contracts, and also provides for penalties. The bill contains requirements for antifraud plans and reporting of fraud; authorizes TDI to investigate suspected fraudulent life settlement acts and persons engaged in the business of life settlements; and provides for criminal and administrative sanctions for violations. The bill also authorizes TDI to conduct examinations of entities involved in the viatical settlement business. The bill additionally updates the suitability of annuity transactions provisions of the Insurance Code (Chapter 1115) in accord with the March 2010 National Association of Insurance Commissioners (NAIC) Suitability Model, to clarify what consumer information is to be considered and lists the product factors that impact suitability. The bill establishes standards for an insurer or agent to determine suitability, in part based on required disclosures; requires insurers to create a suitability supervision system; and modifies annuity continuing education training requirements for agents. Except as specified, the amendments to Chapter 1115 apply only to a recommendation to purchase, exchange, or replace an annuity contract made on or after June 1, 2012. Other applicability provisions relate to a provider lawfully transacting business in Texas before the effective date of the Act and a person who has lawfully negotiated a life settlement contract between an owner residing in this state and one or more providers for at least one year immediately before the effective date of the Act. In these situations, those providers or persons may continue to do so pending approval or disapproval of the person's application for a license as long as the application is filed with the Commissioner of Insurance not later than 30 days after the date of the publication by the commissioner of an application form and instructions for licensure of providers. If the publication of the application form and instructions is before the effective date of this Act, then the filing of the application may not be later than 30 days after the effective date of this Act, and the applicant may use any form of life settlement contract that has been filed with the commissioner pending approval, provided that the form is otherwise in compliance with the provisions of this Act.
Portions of the bill originated from a legislative recommendation by TDI.
HB 2292 by Hunter, et al.; Sponsored by Van de Putte (Effective September 1, 2011)
Payment of claims to pharmacists and pharmacies
HB 2292 sets forth requirements regarding payment of claims to pharmacists and pharmacies and establishes an 18-day deadline for electronic funds transfer payment of the total amount of the pharmacy claim that is electronically submitted and a 21-day deadline for a pharmacy claim that is not electronically submitted - these deadlines run from the date on which the claim was affirmatively adjudicated. The bill also contains provisions regarding audits and notice of audits and prohibits the use of extrapolation (as defined) to complete the audit of a provider who is a pharmacist or pharmacy or requiring extrapolation audits as a condition of participation in a contract, network, or program for a provider who is a pharmacist or pharmacy. The bill states an express legislative declaration that the requirements apply to all health maintenance organizations and pharmacy benefit managers unless otherwise prohibited by federal law. The Act applies to contracts (and payment for pharmacy benefits provided under the contract) entered into or renewed on or after the effective date; to payments for pharmacy benefits not under contract that are provided on or after the effective date; and to audits conducted on or after the effective date unless the audit is performed under a contract that is entered into before the effective date of the Act and that, at the time of the audit, has not been renewed or was last renewed before the effective date of this Act.
HB 2503 by Thompson; Sponsored by Eltife (Effective September 1, 2011)
Secretary of State registration - agent licensing process
(See bill summary above, under Auto/Property/Home)
HB 2559 by Truitt; Sponsored by Harris (Effective September 1, 2011)
Commercial motor vehicle installment sales
(See bill summary above, under Auto/Property/Home)
HB 2699 by Eiland; Sponsored by Carona (Effective September 1, 2011)
Requirements for an insurance adjuster license
HB 2699 amends the current law relating to the requirements for an insurance adjuster license. The bill excepts from the insurance adjuster licensing requirement those individuals who process certain types of insurance claims (collect or furnish claim information and enter data into an automated claims adjudication system) and are employed by a licensed independent adjuster or its affiliate under circumstances in which no more than 25 individuals performing those duties are supervised by a single licensed independent adjuster or a single licensed agent. The bill further provides that a licensed agent acting as a supervisor in that situation is not required to be licensed as an adjuster. The bill also adds to the definition of who may be licensed as an insurance adjuster by defining a "business entity" with certain qualifications and also specifies that a resident of Canada must successfully pass the adjuster examination and comply with other applicable portions of the statute in order to be licensed. The Act applies only to an application for a license filed on or after the effective date.
HB 3004 by Nash; Sponsored by Carona (Effective immediately - June 17, 2011)
Prepaid funeral benefits
HB 3004 amends the Finance Code relating to prepaid funeral benefits contracts and the prepaid funeral contract guaranty fund. The bill adds to guaranty fund coverage a loss attributable to the failure or inability of a funeral provider to perform its obligations under a prepaid funeral benefits contract. The bill makes changes to the Guaranty Fund Advisory Council by removing the Attorney General as a member and by allowing meetings by telephone call, videoconference, or other similar telecommunication upon certain notice requirements. The bill adds a new section to the Finance Code concerning default by a funeral provider that sets forth requirements for a permit holder that administers a prepaid funeral benefits contract for which: (1) the permit holder is not the funeral provider; and (2) there is an actual or anticipated failure or inability of the funeral provider to perform its obligations under the contract. The changes enacted in this new section do not apply to a loss under a prepaid funeral benefits contract sold before the effective date of this Act that arises from or relates to the occurrence of one of the following events: (1) an event of default under the contract attributable to the funeral provider unless the funeral provider is also the contract seller; or (2) the bankruptcy, receivership, seizure, or other failure of the funeral provider unless the funeral provider is also the contract seller.
HB 3017 by Smithee; Sponsored by Duncan (Effective immediately - June 17, 2011)
HB 3017 prohibits life, annuity, health maintenance organizations (HMO), and other health plans from including discretionary clauses in their evidences of coverage or their insurance policies, contracts, or certificates. The bill specifies types of discretionary clauses, including those that purport or act to bind a policyholder or enrollee, or grant deference in subsequent proceedings to adverse eligibility or claim/benefit decisions or interpretations of policy/evidence of coverage by the insurer/HMO. The bill applies only to a document or evidence of coverage that is delivered, issued for delivery, or renewed on or after January 1, 2012.
SB 7 by Nelson, et al.; Sponsored by Zerwas (Effective September 28, 2011)
Health care initiatives - Special Session
SB 7 relates to the administration, quality, and efficiency of health care, health and human services, and health benefits programs in Texas. It provides for the formation and governance of a "Health Care Collaborative" that will arrange for health care services for insurers, Health Maintenance Organizations (HMOs), and other payors in exchange for payments in cash or in kind. The Health Care Collaborative may consist of various combinations of physicians, insurers, and other providers. The Health Care Collaborative will be certified by TDI with review by the Texas Attorney General and will be able to accept and distribute payments. The bill also establishes the Texas Institute of Health Care Quality and Efficiency that will, among other things, conduct certain studies with the assistance of and in coordination with TDI and make recommendations to the Legislature on how to improve the quality and efficiency of health care. The bill allows the expansion of managed care in certain counties in South Texas and makes additional changes to the provision of Medicaid services in the state and to promote efficiencies in the delivery of those services. The bill abolishes the State Kids Insurance Program operated by the Employees Retirement System of Texas (ERS) and directs the Health and Human Services Commission to establish a process in cooperation with ERS to facilitate the enrollment of eligible children in the child health plan program established under Chapter 62 of the Health and Safety Code (CHIP) and to ensure that those children maintain continuous health benefits coverage during the transition. The bill also adds new Chapter 5002 to the Insurance Code to enact the Interstate Health Care Compact and specifies the parameters of the entry by Texas into the compact. The Act requires the Health and Human Services Commission to take any action that the commission determines is necessary and appropriate, including expedited and emergency action, to ensure the timely implementation of the relevant provisions of this bill by its effective date of September 28, 2011, including the adoption of administrative rules, the preparation and submission of any required waivers or state plan amendments, and the preparation and execution of any necessary contract changes or amendments.
SB 156 by Huffman; Sponsored by Gonzales, V. (Effective September 1, 2011)
Bleeding Disorders Advisory Council
SB 156 adds a new chapter to the Health and Safety Code that re-establishes the Texas Bleeding Disorders Advisory Council (expired in 2009 by terms of SB 1566, 80th Legislature). The bill sets forth the composition of the Council as well as its duties and reporting requirements concerning issues relating to hemophilia or other bleeding or clotting disorders, including issues that affect the health and wellness of persons living with these conditions. The new chapter expires, and the Council is abolished September 1, 2015. The bill also provides that as soon as practicable after the effective date, and not later than December 1, 2011, the Commissioner of State Health Services and the Commissioner of Insurance shall jointly appoint members to the Texas Bleeding Disorders Advisory Council as added by this Act.
SB 554 by Carona, et al.; Sponsored by Lozano (Effective September 1, 2011)
Contracts between dentists and HMOs or insurers
SB 554 amends the Insurance Code to provide that a contract between a dentist and an insurer or health maintenance organization (HMO) may not limit the fee the dentist may charge for a service that is not a covered service. Covered services are defined as those dental care services for which reimbursement is available under the policy or plan or for which reimbursement is available subject to a contractual limitation, such as a co-payment or deductible. The Act applies only to a contract entered into or renewed on or after its effective date.
SB 579 by Hegar; Sponsored by Hancock (Effective September 1, 2011)
Total benefit amount under a prepaid funeral contract
SB 579 amends Section 4054.157 of the Insurance Code to change the limit on the authority of a funeral prearrangement life insurance agent to write any coverage or combination of coverages with an initial guaranteed death benefit. The bill states that except as provided by Section 154.2021 of the Finance Code (relating to requirements for insurance policies used to fund prepaid funeral benefits), the limit is changed from $15,000 on any life to the total cost of the prepaid funeral benefits on any life purchased under the prepaid funeral contract. The Act applies to a prepaid funeral contract that is formed on or after the effective date of this Act.
SB 822 by Watson; Sponsored by Zerwas (Effective September 1, 2011)
Expedited credentialing of physicians
SB 822 relates to expedited credentialing of certain physicians by managed care plans. The bill expands the definition of "medical group" in Section 1452.101 of the Insurance Code to include two or more physicians on the medical staff of, or teaching at, a medical school or medical and dental unit, as defined or described by Section 61.003, 61.501, or 74.601 of the Education Code.
SB 859 by Duncan, et al.; Sponsored by Smithee (Effective immediately - June 17, 2011)
Health group cooperatives and employer contributions to individual health policies
SB 859 relates to small and large employer health group cooperatives and to employer contributions to individual health insurance policies. The bill defines "eligible single-employee business" and provides that cooperatives and insurers may permit such businesses to join a cooperative. The bill also sets forth provisions for the election concerning participation and rating. The bill requires the Commissioner of Insurance to adopt rules governing the eligibility of a single-employee business to participate in a health group cooperative that must include provisions to ensure that each eligible single-employee business has a business purpose and was not formed solely to obtain employer-based health benefit plan coverage. The bill also amends Insurance Code Chapter 1221 regarding employer contributions to individual health insurance policies and states that the commissioner by rule, unless it would violate state or federal law, may develop procedures to allow an employer to make financial contributions to or premium payments for an employee or retiree's individual consumer directed health insurance policy in a manner that eliminates or minimizes the state or federal tax consequences, or provides positive state or federal tax consequences, to the employer.
STATE AGENCIES / ENFORCEMENT AND COMPLIANCE
HB 1781 by Price, et al.; Sponsored by Nelson (Effective immediately - June 17, 2011)
Obsolete or redundant reporting requirements
HB 1781 adds a new subchapter to the Government Code relating to obsolete or redundant reporting requirements applicable to state agencies. The bill requires the executive director of each state agency, as defined, to examine and report to the legislature and other members of state government not later than August 1, 2012, the agency's reporting requirements established by a state statute enacted before January 1, 2009, and not amended since that date, and identify each reporting requirement that the executive director determines: (A) is not necessary to accomplish the objectives of the statute that contains the reporting requirement; (B) is redundant of other statutory reporting requirements; or (C) is required under statute to be provided at a frequency for which data is not available. The initial report issued pursuant to this Act may not include reporting requirements of federal law, and this subchapter expires September 1, 2014.
HB 1965 by Kolkhorst, et al.; Sponsored by Deuell (Effective immediately - June 17, 2011)
Faith- and community-based health and human services initiatives
HB 1965 adds TDI and other agencies to the Government Code Chapter 535 relating to faith- and community-based health and human services initiatives. In accord with that chapter, the commissioner shall designate one employee from the agency to serve as a liaison for faith- and community-based organizations, who, together with other agency liaisons make up the interagency coordinating group. The bill also requires that not later than December 1 of each year, the interagency coordinating group shall submit a report to the legislature that describes in detail the activities, goals, and progress of the interagency coordinating group. The bill further establishes a task force on improving relations with non-profits and to help direct the interagency coordinating group in carrying out the group's duties. This task force has a reporting requirement not later than September 1, 2012 to certain legislative committees, and the section creating the task force expires September 1, 2013.
SB 701 by Watson; Sponsored by Strama, et al. (Effective September 1, 2011)
High-value data sets of state agencies posted on the Internet
SB 701 requires that state agencies post on a generally accessible Internet website maintained by or for the agency each of its high-value data sets, if the agency determines that it can be done at no additional cost to the State or through gift or grant. A "high-value data set" is defined as information that can be used to increase state agency accountability and responsiveness, improve public knowledge of the agency and its operations, further the core mission of the agency, create economic opportunity, or respond to need and demand as identified through public consultation. The term does not include information that is confidential or protected from disclosure under state or federal law.
SB 867 by Deuell; Sponsored by Jackson, J. (Effective September 1, 2011)
Accommodations in licensing examinations
SB 867 amends the Occupations Code regarding licensing examinations to require state agencies to provide reasonable examination accommodations to an examinee diagnosed as having dyslexia. The bill also requires each state agency to adopt rules necessary to implement this bill not later than December 1, 2011. The Act applies only to a licensing examination offered by a state agency on or after January 1, 2012.
STATE FIRE MARSHAL
HB 1168 by Miller, D., et al.; Sponsored by Van de Putte (Effective September 1, 2011)
Smoke alarms and fire extinguishers in residential rental units
HB 1168 specifies requirements for smoke alarms and fire extinguishers in residential rental units. The bill amends current law regarding the placement of smoke alarms in bedrooms of certain residential rental properties to be consistent with international model codes and also clarifies inspection requirements for certain residential fire extinguishers. The bill takes effect September 1, 2011, but with respect to a dwelling unit first occupied or for which a certificate of occupancy was issued before September 1, 2011, a landlord shall comply with this change in law on or before January 1, 2013.
HB 1174 by Workman; Sponsored by Wentworth (Effective immediately - June 17, 2011)
Expiration of county burn ban
HB 1174 amends the Local Government Code to add a county judge or fire marshal, if designated by a commissioners court, to the authorities that can determine when identified circumstances no longer exist to allow for the expiration of a county burn ban.
HB 3547 by Alvarado; Sponsored by Gallegos (Effective September 1, 2011)
Enforcement of fire safety standards at certain child-care facilities
HB 3547 amends the Human Resources Code to allow a municipality or county to enforce state law and rules adopted under state law concerning fire safety standards at a licensed group day-care home or a registered family home. The bill also requires a municipality or county to report any violation of fire safety standards observed by the municipality or county at a licensed group day-care home or registered family home.
SB 396 by Deuell; Sponsored by Marquez (Effective immediately - May 12, 2011)
State Fire Marshal investigation of firefighter death
SB 396 amends the Government Code to include in the state fire marshal's investigation of a firefighter's death a situation in which a firefighter dies in connection with an on-duty incident - the previous language referred to "a fire-fighting incident." The bill also specifies that the state fire marshal shall investigate any factors that may have contributed to the death of the firefighter.
SB 1598 by Carona; Sponsored by Smithee (Effective September 1, 2011)
Portable fire extinguisher inspections
SB 1598 amends the licensing provisions in the Insurance Code regarding portable fire extinguisher inspections. The bill defines "Portable fire extinguisher inspection" to mean a monthly inspection to ensure that the extinguisher is in its designated location; has not been actuated or subject to tampering; and does not have any obvious physical damage or another condition that may prevent proper operation of the extinguisher. The bill also excludes from licensing a firm that provides inspection of its portable fire extinguishers by a person who is specially trained to perform portable fire extinguisher inspections and under contract with the firm for that purpose.
HB 2408 by Darby, et al.; Sponsored by Harris (Effective September 1, 2011)
Title Insurance operations, licensing, and enforcement
HB 2408 contains provisions relating to rebating; title agent, direct operations, and escrow officer licensing and enforcement; timetables for title insurance rule and rate hearings; and coverage and exceptions to coverage of mineral interests. The bill sets forth deadlines for processing applications and requires various notifications from TDI to applicants and other interested parties regarding completeness, deficiencies, and factual grounds for a proposed denial. The bill also prohibits TDI from denying or rejecting an application due to a pending enforcement case which has not been finally resolved and provides deadlines for initiating and prosecuting enforcement cases and requires notices to agents and escrow officers about pending cases. There are also provisions regarding who can request a rule or rate hearing and deadlines for commencing and closing a public hearing and issuing a final order. The bill also requires that changes to the title insurance company and title insurance agent statistical report be adopted in a rule hearing and may not be applied retroactively. The bill states that a title insurance company is not required to provide coverage for loss from damage resulting from the use of the surface of the land for the extraction or development of minerals and also prohibits an additional premium for an endorsement relating to mineral interest coverage in certain instances. The bill further contains provisions concerning the use of general or special exceptions regarding the mineral estate and prohibits a discount or credit when minerals coverage is excluded or excepted in the title insurance policy. The provisions regarding coverage restrictions on mineral interests apply only to a title insurance policy that is delivered or issued for delivery on or after January 1, 2012.
HB 2604 by Taylor, L.; Sponsored by Harris (Effective immediately - June 17, 2011)
Title Agents solvency accounts
HB 2604 adds a new section to the Insurance Code allowing title agents to maintain a solvency account to accrue and hold unencumbered assets that can be used by TDI in the event of certain contingencies, such as impairment or liquidation or, as added by the bill, if the agent's licensed is revoked. The bill specifies the requirements for the funding and deposits to be made (if the initial deposit is less than what is required for the title agent's unencumbered assets) to the solvency account out of the agent's portion of retained premium for each policy of title insurance issued by the agent. The bill also requires the commissioner to adopt by rule procedures and requirements for the release, transfer, or expenditure of the funds held in a solvency account. The rules must establish how TDI shall account for any expenditures that TDI makes from an account or funds transferred by TDI to a third party. The commissioner shall promulgate rules and forms governing the operation of a solvency account, as added by this Act, as soon as practicable after the effective date but not later than January 1, 2012.
SB 322 by Carona; Sponsored by Deshotel (Effective September 1, 2011)
Title Insurance Company reinsurance contracts
SB 322 relates to certain requirements for reinsurance contracts covering, and to certain restrictions regarding, title insurance policies issued in this state. The bill contains the same provisions as SB 735 (described below) regarding prohibiting title insurance companies from providing "creditor's rights coverage." Additionally, the bill sets forth new requirements for reinsuring policies by deleting the provision that TDI first approve the form of the reinsurance contract and substituting provisions requiring notice to the Department and specifying certain capital and surplus amounts for the title insurance company from which the reinsurance is required. The bill also gives the Commissioner of Insurance the authority, during the notice period and on the ground that the transaction may result in a hazardous financial condition, to prohibit the title insurance company from obtaining reinsurance. The bill repeals Section 2551.303 of the Insurance Code regarding the Department's approval of a form of reinsurance contract. The Act applies only to a reinsurance contract entered into by a title insurance company on or after the effective date, and the provisions regarding prohibition of coverage apply only to an insurance policy that is delivered, issued for delivery, or renewed on or after January 1, 2012.
SB 735 by Carona; Sponsored by Smithee (Effective September 1, 2011)
Title Insurance creditor's rights coverage
SB 735 adds a new section to the Insurance Code to prohibit title insurance companies from insuring against loss caused by the transaction vesting title in the insured or creating the lien of the insured mortgage being a preference or fraudulent transfer - also known as "creditor's rights coverage." The bill authorizes the Commissioner of Insurance to designate by rule coverages that violate this new section. The bill also states that a title insurance company may not engage in the business of title insurance in Texas if the title insurance company provides this type of prohibited coverage anywhere in the United States, except to the extent that the laws of another state require the title insurance company to provide that type of insurance coverage. The Act applies only to an insurance policy that is delivered, issued for delivery, or renewed on or after January 1, 2012.
HB 528 by Solomons; Sponsored by Van de Putte (Effective immediately - June 17, 2011)
Pharmaceutical services - workers' compensation informal and voluntary networks
HB 528 amends current law relating to the provision of pharmaceutical services through informal and voluntary networks in the workers' compensation system, and provides an administrative violation. The bill allows workers' compensation carriers to continue to have contractual fee discounts for pharmaceutical services and to use a voluntary or informal network to obtain contractual discounts with health care providers under certain conditions. The bill requires health care providers who participate in pharmacy informal or voluntary networks to receive notice from the insurance carrier, the insurance carrier's authorized agent or the informal or voluntary network of any person that has access to the health care provider's contractual discount and creates an administrative violation for the insurance carrier if notice is not provided. Additionally, the bill requires pharmacy informal and voluntary networks to register with the Division of Workers' Compensation and sets out the requirements and timeframes for the registration process, and clarifies that prescription medication or services may not be delivered through a certified workers' compensation health care network under Chapter 1305 of the Insurance Code or through direct contracts between political subdivisions and health care providers under Section 504.053(b)(2) of the Labor Code. The bill states that a contractual agreement between an insurance carrier and a health care provider that provides for fees for pharmaceutical services that are different from the fees authorized under the fee guidelines adopted by the Commissioner of Workers' Compensation that were in effect on any date between and including January 1, 2011, and the effective date of this Act, and that is arranged under a contract with an informal or voluntary network registered with the Division of Workers' Compensation of the Texas Department of Insurance is validated and is prohibited from being the sole basis of an enforcement action under Title 5 of the Labor Code.
HB 625 by Solomons; Sponsored by Carona (Effective September 1, 2011)
Staff leasing services
HB 625 relates to certain requirements and timeframes for staff leasing services companies to provide workers' compensation claim and payment information to its client company. The bill also provides for an administrative violation for failure to comply by the staff leasing services company license holder, but also states that a license holder does not commit an administrative violation if the license holder requested the information required from the license holder's workers' compensation insurance provider and the provider does not provide the information to the license holder within the required time. Further, a license holder shall notify the Texas Department of Insurance of a provider's failure to comply with the "notice of claims information to policyholders" requirements as set forth in Section 2051.151 of the Insurance Code.
HB 2089 by Smithee; Sponsored by Fraser (Effective September 1, 2011)
Resolution of overpayment or underpayment of income benefits
HB 2089 adds a new section to the Labor Code to provide for resolution of overpayment or underpayment of income benefits and requires the Commissioner of Workers' Compensation to establish procedures and timeframes by rule. The procedure for recouping overpayments must take into consideration the cause of the overpayment and minimize the financial hardship to the injured employee. The Commissioner of Workers' Compensation shall adopt rules to implement the new section not later than January 1, 2012.
HB 2093 by Thompson; Sponsored by Van de Putte (Effective January 1, 2012)
Consolidated insurance programs
(See bill summary above, under Auto/Property/Home)
SB 158 by Williams; Sponsored by Fletcher, et al. (Effective September 1, 2011)
Controlled substances - fraudulent or unlawful acts
SB 158 amends the Health and Safety Code and the Penal Code to set forth offenses and penalties involving the fraudulent or unlawful obtaining, delivering, dispensing, distributing, or diverting of a controlled substance. The bill specifically references persons who convert or divert a controlled substance to which the person has access by virtue of the person's profession or employment and also persons who obtain from a practitioner, by fraud or deceit, controlled substances that are not medically necessary for the person. The bill applies only to an offense committed on or after the effective date of this Act.
SB 321 by Hegar, et al.; Sponsored by Kleinschmidt (Effective September 1, 2011)
Employee's transportation and storage of certain firearms or ammunition
SB 321 amends the Labor Code to state that a public or private employer may not prohibit an employee who holds a license to carry a concealed handgun, or who otherwise lawfully possesses a firearm, or who lawfully possesses ammunition from transporting or storing a firearm or ammunition the employee is authorized by law to possess in a locked, privately owned motor vehicle in a parking lot, parking garage, or other parking area the employer provides for employees. There are exceptions to this provision relating to schools, certain types of properties involving chemicals and oil and gas, and vehicles owned or leased by a public or private employer and used by an employee in the course and scope of the employee's employment. The bill allows an employer to prohibit firearms on its premises (a building or a portion of a building as defined in the Penal Code). The bill also grants to the employer immunity from civil liability, except in cases of gross negligence, arising out of an occurrence involving a firearm or ammunition that the employer is required by this bill to allow on the employer's property. The bill applies only to a cause of action that accrues on or after the effective date of this Act.
SB 800 by Duncan; Sponsored by Elkins (Effective immediately - June 17, 2011)
Workers' compensation data collection agents
SB 800 amends the Labor Code to align the statutory authority for the Commissioner of Workers' Compensation to designate a statistical agent for the collection of data with similar authority currently utilized by the Commissioner of Insurance. The bill sets forth the qualifications and operations of workers' compensation data collection agents and authorizes a data collection agent to collect a fee from a reporting insurance carrier, other than a governmental entity, for the necessary and reasonable costs of collecting data from that reporting insurance carrier.
The bill originated from a legislative recommendation by the TDI-Division of Workers' Compensation.
SB 809 by Seliger; Sponsored by Giddings (Effective September 1, 2011)
Adjudication of certain workers' compensation disputes
SB 809 relates to the adjudication of certain workers' compensation disputes, including judicial review in district court. The bill sets forth the timeframes for filing suit to seek judicial review of medical dispute decisions by the Division of Workers' Compensation or the State Office of Administrative Hearings (SOAH), including medical fee disputes, to be not later than the 45th day after the date on which the notification of the decision is mailed to the party. Because the mailing date is considered to be the fifth day after the date the decision was issued by SOAH or filed with the Division of Workers' Compensation, a party essentially has 50 days to seek review, which is consistent with the statutory timeframes for judicial review already in place for indemnity disputes. The bill also provides that the dispute resolution process in Chapter 410 of the Labor Code applies to disputes of whether an insurance carrier properly provided an employee certain information regarding workers' compensation networks as required by Chapter 1305 of the Insurance Code. The bill applies only to a suit for judicial review filed on or after the effective date of this Act.
SB 1714 by Duncan; Sponsored by Chisum (Effective September 1, 2011)
Actions against employer by employee who is not covered by workers' compensation insurance
SB 1714 addresses a recent federal court decision that permitted an employee to opt out of workers' compensation into an employer's non-workers' compensation occupational benefit plan, which contained a pre-injury liability waiver, so long as the employer has workers' compensation insurance coverage. SB 1714 makes more specific that certain common-law defenses do not apply to an action against an employer by or on behalf of an employee who is not covered by workers' compensation insurance obtained through a licensed insurance company or through self-insurance, rather than an action against an employer who does not have workers' compensation insurance coverage. The bill extends the prohibition of pre-injury liability waivers to all employees who are not covered by workers' compensation insurance and not just employees of employers who do not have workers' compensation insurance coverage. The bill also adds that unless an employee has waived coverage in connection with an agreement with the employer, the employee who elects to retain a right of action for damages for injuries sustained in the course and scope of the employment may bring a cause of action, which will be subject to all defenses available under common law and the statutes of this state. The bill's provisions do not apply to a cause of action by an employee if the employee is subject to a valid and enforceable contract with the employee's employer relating to benefits for occupational injury or death and the employer, since January 1, 2011, has continuously had workers' compensation insurance coverage and offered its employee a program providing benefits for occupational injury or death that is not governed by the Texas Workers' Compensation Act. With this exception, the bill applies only to a cause of action that is filed on or after the effective date of this Act.
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Last updated: 09/06/2014

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As the mercury rises, so does the reliance on central air conditioning systems to maintain our homes and businesses at a comfortable temperature. With over 75% of households in the United States equipped with air conditioners, it’s no surprise that the demand for maintenance and repair services is high. At AC Comfort, we pride ourselves on our extensive experience and expertise in central air repair in Katy, TX, ensuring your system runs smoothly and efficiently.
Central air conditioning systems are complex machines that combine various electrical, mechanical, and refrigeration components. Attempting DIY repairs without the proper knowledge can lead to further damage, void warranties, and even pose safety risks. Professional HVAC contractors like us not only diagnose and fix issues correctly but also help in maintaining your system to prevent future breakdowns, ultimately saving you money and ensuring your safety. Below are the six most common repair calls we get.
Now that it’s officially spring, it’s time to start thinking about preparing your home’s HVAC system for the warmer months ahead. At AC Comfort, we understand the importance of regular HVAC Maintenance Katy, TX in ensuring optimal performance and longevity of your air conditioning system. We’ll take you through what really happens during HVAC maintenance, shedding light on the meticulous process our technicians undertake to keep your AC running smoothly.
As the trusted HVAC experts in your community, we understand the importance of a well-functioning heating, ventilation, and air conditioning (HVAC) system. The air handler, a crucial component of your AC or heat pump, plays a pivotal role in maintaining indoor comfort. However, when you notice water pooling around your air handler, it can be a cause for concern.
In this guide, we’ll explore the common reasons behind air handler water leaks and provide valuable insights from our experienced team to help you address the issue promptly with air handler repair in Cypress, TX.
Gas furnaces. They’re everywhere. Even with the influx of technology like heat pumps and ductless mini splits, gas furnaces still hold the title of the most common type of home heating system in the US. Gas furnaces wouldn’t be so popular if they created safety hazards, and all gas furnaces have several devices that help keep them running safely.
Today, we’re going to look at one of these key devices, the flame sensor. The flame sensor isn’t just a safety mechanism: it helps regular normal furnace operation and keeps the system working efficiently and evenly.
Heat pumps are great for our weather. We can rely on them to cool us down through our long hot season, and when we need heat for our brief winters, heat pumps also come through—and they cost less to run than a furnace. All around, heat pumps are one of the best home comfort systems available.
All that work comes at price, of course, which is that a heat pump will eventually wear down to the point where it needs to be replaced. With regular maintenance (done twice a year), you can expect to get a long service life from your heat pump. But at what point will you know it’s time to contact us to schedule a heat pump replacement in Cypress, TX? We’ll help with some important information about how to tell you’ve got a heat pump that’s on its way out.
Whether you have a gas-powered furnace or an electric furnace, the unit can face electrical problems. Even gas furnaces have to connect to electricity for some aspects of operation. No matter what type of furnace you have, electrical problems are always a possibility.
If you suspect that your furnace is experiencing electrical problems, it is important to schedule service with an experienced heating contractor in Katy, TX. Electrical problems can cause long-term damage to your furnace in addition to posing unsafe conditions for your home and your family. You can keep reading to learn more about common electrical problems and contributing factors to be aware of.
If you’re like a lot of other homeowners, you’re looking for ways to cut costs on heating your home this winter season. The good news is that there are a variety of ways that you can stay warm while also saving money on your monthly energy bills. Plus, you also have the added bonus of lightening the load on your heater and potentially extending its lifespan so that it can last your family longer.
Just give our team a call to schedule your appointment for heater maintenance in Katy, TX. We can tweak your heating system to make sure that it is in the best working condition and then offer tips for homeowner maintenance and usage. You can keep reading to learn more about our best tips for how to use your heater efficiently this winter season.
When you buy a home, there may be an existing furnace already in place. Even if everything in the home passed inspection, you could still face some common furnace problems in the near future. After all, you don’t know how the previous homeowners took care of their furnace – or not.
When you do need to schedule an appointment for furnace repair in Houston, Texas, give our team a call. We can complete an inspection and make recommendations for any tune-up items that need to be completed. Keep reading to learn more about the furnace repairs that you may face the season as a new homeowner and what you can do about them.
Your furnace has a variety of sensors and safety functions inside to protect the system from overheating or malfunctioning if something goes wrong. When one of these sensors or safety switches is triggered, your furnace may shut off. While this can be an inconvenience, it is only for your safety.
If a sensor or safety mechanism continues to trigger your furnace to turn off, you need to schedule heating system repair in Cypress, TX. You can also keep reading to learn more about the sensor inside of your furnace that could be causing the heater to turn off in the middle of a heating cycle.
All of the components inside of your air conditioner have to work together to provide cooling. When any one of them has an issue, it affects your entire air conditioner. But some components are arguably more important than others. The compressor is one of these. If something happens and you have to replace your air conditioner compressor in Katy, TX, it can be a very expensive project.
But you can stay ahead of air compressor issues by taking good care of your air conditioner and knowing the signs of something being wrong. Keep reading to learn more about taking good care of your air conditioner and compressor specifically as well as identifying the signs that your air compressor is experiencing problems.


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I swear there must be something in the water, but there has been a baby boom amongst my friends lately. With both of my kids solidly out of the baby stage (although our three-year-old all too often acts like one), I’ve really enjoyed my role on the sidelines where I get to cheer friends on, but still sleep at night.* For me, part of this role has meant throwing and attending several baby showers. Obviously, when it comes to parties of any kind, food is where I feel I truly shine. A while back I threw a shower for two friends that were both expecting repeat baby boys. It was a low-key affair focused on quality girl time with people bringing freezer meals for the expectant mothers instead of gifts. When I asked the women of honor what they were craving, one expressed interest in eating healthy and the other expressed interest in eating all things chocolate. While the two requests seemed like polar opposites, they helped me plan a perfectly complimentary spread that everyone loved. The menu was pleasantly colorful and the perfect balance of fancy and low-key. It would also work great for bridal showers as well!
Without further adieu, the menu:
- Pretzel Bites with Cheese Dipping Sauce
- Cinnamon Sugar Pretzel Bites
- 50/50 Cookies – I made these several days beforehand and just pulled them out of the freezer the day of.
- Dark Chocolate Salted Caramel Marshmallows – Made the day before and refrigerated until needed.
- Pineapple Orange Banana Green Smoothie – Not pictured, but delicious.
- Veggies (Bell pepper slices, broccoli, carrots, etc) with homemade ranch dressing
- Fruit (strawberries, apple slices, grapes, etc)
*I know this post comes on the heels of National Infertility Awareness Week and have tender feelings in my heart for those mommas (and dads) that wish they weren’t on the sidelines of every baby boom.


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City Council mulls changes to landmark pay equity legislation
At the time of its passage, the equal pay law was largely heralded as a major step towards curbing insidious pay gaps. But advocates now fear that recently proposed changes could create loopholes to the point of defanging it completely.
Apr 4, 7:57 PM
White City Workers Make More Money Than Women And People Of Color, Analysis Shows
"These are damning, damning statistics."
Oct 29, 2020 3:21 PM
Doctors-In-Training At COVID-Ravaged Public Hospitals Demand Hazard Pay From City
The demand for hazard pay reflects the broader debate on how government should compensate essential workers who have risked their lives to fight the pandemic.
Apr 22, 2020 4:13 PM
The Gender Pay Gap Has Grown In New York, According To Study
A new study revealed that the pay gap between full-time working men and women has yet to close.
Updated: Apr 2, 2019 1:16 PM
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