Monthly Archives: October 2013

Legal Jobs Numbers Continue Their Uptick

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LawCrossing Reports That Legal Employment Is Increasing

LawCrossing, an affiliate of Employment Research Institute, reports that the unemployment rate in the legal profession continues to drop.  Says LawCrossing:

As per the latest Employment Situation Summary of the Bureau of Labor Statistics (BLS), job opportunities in professional and business services expanded in September. A closer study revealed that the job market has once again favored lawyers. In the legal sector, the job growth is largely being attributed to the creation of many new non-traditional positions for lawyers. According to Harrison Barnes, Chief Executive Officer of LawCrossing, “The drop in September’s unemployment rate in the legal sector, has been driven by employment growth in small and mid-sized law firms as well as big law firms.” Latest job searches conducted on LawCrossing supports the job growth showing more than 38,900 legal opportunities in the U.S.

And the American Bar Association itself reports that the legal sector has added jobs for the third month in a row.  Thus, reports LawCrossing:

Conclusively, the legal job market is looking favorable, and holds true to the BLS forecast that was made in regard to employment of lawyers in the Occupational Outlook Handbook, 2012-13 Edition.

 This report substantiates Cooley’s position that now is a great time to start law school.  It also is consistent with Digital Journal’s published account of an earlier LawCrossing report that legal employment will increase starting in the second half of 2013 and continuing through 2014.

 

 

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It’s Way Too Soon to Stress Over the Health Care Law

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Professor Lisa Sewell DeMoss is one of the nation’s preeminent experts in insurance law.  She is director of Cooley Law School’s LL.M. Program in Insurance Law.  Before joining Cooley’s faculty, she was general counsel of Blue Cross & Blue Shield of Michigan.  For more on Prof. DeMoss, scroll to the end of this post.

Haven’t been able to get past the log-on screen on healthcare.gov?  Don’t worry.  It’s a common experience during this inaugural phase of on-line shopping for new individual and small group health insurance on the government exchanges.  But, traffic is slowing, the glitches are under repair, and the shopping experience is already running more smoothly.  So, buckle up, be patient, and stay focused on the destination:  better coverage, no coverage exclusions or higher premiums because you or a family member is sick or needs expensive medical care, and financial help in paying premiums and out-of-pocket costs such as deductibles and copayments.

The Federal Exchange

Thirty-six states, including Florida, have decided to have the federal government operate their new state insurance exchanges required under the Affordable Care Act (ACA).  The Federal Exchange, found at healthcare.gov, is a web portal that allows consumers to register and enroll in selected PPO, HMO and Cooperative health plans, while calculating and applying available premium and cost sharing assistance based on the shopper’s estimated 2014 household income. All health plans that have been approved for sale on the Exchange must include all ten categories of “Essential Health Benefits” specified under the ACA and cover them in a consistent manner.  The products are grouped into four main categories labeled Platinum, Gold, Silver, and Bronze.  A fifth level of catastrophic coverage is available only to individuals under the age of 30.

Product Groupings

The product groupings reflect different levels of consumer cost sharing, while all products offer the same basic categories of benefits.  Premiums are higher for products in the Platinum category because services are covered and paid at 90% of amounts billed by health care providers.  At the Bronze level, a policyholder will have higher out of pocket costs, but a lower premium.  If compliant with rules that measure equivalency, Exchange products are permitted to offer different levels of benefits such as 20 physical therapy visits versus 40.  And each Exchange product will be connected to a network of contracted health care providers.  Within each health plan’s delivery network, there may be significant variation in the number, types, and location of health care providers available to the purchasers of those products.  So, there are a lot of things to consider when comparing health plans on the Exchange, not the least of which is the total cost after premium subsidies and cost sharing assistance.  This is definitely one purchase that requires a little shopping to make the best decision for you and your family.

Who Should Shop?  And When?

So, who needs to start shopping and how long do you have to apply for coverage to avoid the penalties that begin in 2014 for those who are uninsured?  The ACA is based upon an individual shared responsibility that requires individuals of all ages, including children, to have minimum essential health coverage in place, every month beginning January 1, 2014. This is known as the individual mandate.    This coverage mandate applies to everyone unless they qualify for an exemption or elect to pay the penalty when filing their federal income tax returns.  There are nine categories of exemption.

Who Is Exempt?

Congress included affordability exemptions for individuals for whom even the subsidized Exchange products are too expensive.  These include individuals who are not required to file federal income tax returns because their incomes fall below the filing threshold (around $10,000 for an individual), as well as those who cannot find affordable coverage that costs less than 8% of household income.  Although not exempted from the requirement that they obtain minimum essential coverage, individuals with household incomes between 100 and 133% of the federal poverty level, who live in states (like Florida) that did not expand state Medicaid eligibility under the ACA, are categorically excused from the tax penalty if unable to locate affordable coverage.

Most people already meet the minimum essential coverage requirement.  They are enrolled in qualified employer sponsored health insurance plans; COBRA or retiree coverage linked to previous employment; individual coverage; Medicare Part A; Medicare Advantage; Medicaid; CHIP; some veteran’s plans; or TRICARE.  Unless your current coverage is a limited benefit plan such as a mini-med plan, dental or vision coverage, or a Medicaid plan that offers specified benefits like pre-natal care or family planning, it likely meets the test of a minimum essential coverage plan. Generally, individuals are not eligible for premium tax credits or subsidies if already enrolled in minimum essential coverage. Your employer is required to provide you with a notice of whether your workplace health plan meets this requirement.  If you are uncertain, you can verify your compliance with the coverage mandate on healthcare.gov or by contacting one of the many assistants who have been trained and certified by the Federal government to help you understand and meet the new requirement.

The Exchange Is a Form of E-Commerce, So Use Care the Same Care as With Any On-line Transaction

Because the Exchange is a form of e-commerce, it requires the same consumer care and attention as any other internet shopping experience in which personal and financial information is shared.  Do not respond to direct telephone, Internet, or door-to-door solicitations for your health insurance business. The process is designed to protect consumers by requiring the consumer herself to initiate the shopping and enrollment process. The Federal Exchange has been designed to safeguard the privacy and security of the information necessary to the application process, such as social security numbers, names, birth dates, address, and projected household income.  If you are working with someone who has offered to help you, make sure that person is a  certified assistant (sometimes called Navigators) who may be located at community health centers, certain health care provider locations like pharmacies or hospitals, and insurance agencies where licensed agents have been specially trained and certified to assist shoppers on the Exchange.  Individual and small group health products will continue to be available for sale off of the government exchanges.  However, only Exchange products are eligible for premium subsidies and cost sharing assistance, so consumers should begin their shopping on the Exchange to first determine whether they qualify for financial assistance.

Deadlines

For those who do not have coverage or whose coverage is ending December 31, 2013, or for those who want to explore whether a better product at a more affordable price is available through the Exchange, the 2014 enrollment period runs from October 1, 2013 through March 31, 2014. If you apply for coverage by December 15, 2013, you are assured of having your new coverage in place on January 1, 2014.  After that, you may apply for coverage anytime up through March 31 in order to avoid the penalty which is triggered by going for more than three consecutive months without coverage in any calendar year.  The 2014 penalty, which will be assessed and collected upon filing your 2014 federal income tax return in 2015, is $95 per individual or 1% of income, whichever is greater. Penalties increase every year, and taxpayers are responsible for penalties assessed for their non-covered dependents.

You have plenty of time to explore and consider which options fit your budget and best meet the health care needs of you and your family before you actually enroll in a new individual or small group health plan. Just make sure that you complete an application by December 15 if you need insurance on January 1.

In addition to her responsibilities in the LL.M. program at Cooley, Professor DeMoss serves on the Board of Visitors of the Oakland University School of Nursing and the Detroit Metropolitan Bar Foundation where she is currently its Secretary-Treasurer.  She also is a member of the Advisory Committee for the Risk Management and Insurance Advisory Center at Olivet College and the Michigan Insurance Hall of Fame Board. In 2012, Professor DeMoss was appointed to a three-year term on the Board of Ethics for the City of Rochester and elected its Presiding Officer.

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Cooley Going to the Land Down Under Again in 2014

DSCF0995By Emeritus Professor Otto Stockmeyer

Professor Otto Stockmeyer has taught at Cooley since 1977 and as a visiting professor at two other law schools in the ’80s and ’90s.  He also taught in Cooley’s Australia-New Zealand Foreign Study Program in 2005 and 2013.

Beginning January 6, 2014, some lucky Cooley second- and third-year students will take their Hilary term classes “Down-under” in Australia and New Zealand as part of Cooley’s Foreign Study Program.   And it will be summer.

Their elective courses will have an international flavor, taught by faculty members from two of the world’s top law schools: Monash University in Australia and New Zealand’s University of Waikato.  Monash’s law school is ranked 13th best in the world; Waikato is in the world’s top 100.

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Participants will also have the opportunity, if they wish, to take Equity & Remedies taught by Cooley’s own Professor Charles Palmer.  All credits and grades will transfer back to Cooley.

Professor Terry Cavanaugh and I accompanied this year’s group of twenty students (17 from Cooley and 3 guest students from other American law schools).   We can attest that they learned a lot that can’t be found in books.  You can read blog posts from Cooley student Teddy Eisenhut and from guest student Luke Pears-Dickson.   And student Michelle Zurcher wrote posts in 2012 about the wonderful people she met while Down-under, and gave us some practical tips for taking the long trip away from home.

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Professor Cavanaugh will be accompanying our foreign study students again in 2014 as the onsite program administrator.

Students who wish to know more should visit Cooley’s Australia/New Zealand Foreign Study webpage.  They should not delay; enrollment is capped at 40 students.  Applications received after October 15 will be considered only if space is available.

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Oh yes, and it will be summer!

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Cooley Ranks 1st Nationally in Minority Law Graduates

 

By John Nussbaumer

Associate Dean, Auburn Hills Campus

John Nussbaumer has worked to help diversify the profession since 2005, when then National Bar Association President Reginald M. Turner recruited him to join the NBA Law Professors Division. Since then, he has spoken frequently on this topic, including presentations at the Congressional Black Caucus Foundation’s 2007 Annual Legislative Conference, the American Association of Law Schools 2009 Annual Meeting, and the American Bar Association’s 2010 Annual Meeting.  He has also written extensively on diversity issues, most recently a 2011 article co-authored with Professor E. Christopher Johnson titled The Door to Law School, published in the University of Massachusetts Roundtable Law Journal.  He is the recipient of the National Bar Association’s 2007 Presidential Award and the ABA Council of Legal Education Opportunity’s 2008 Legacy Justice Academic Achievement Award, and he just finished a three-year term on the ABA Council on Racial and Ethnic Diversity in the Educational Pipeline.  He has been instrumental to the success of three metropolitan Detroit diversity pipeline programs — the Just the Beginning Foundation High School Summer Legal Institute, the ABA Council of Legal Education Opportunity College Pre-Law Summer Institute, and the Wolverine Bar Association Judicial Externship Program.

Cooley’s mission includes “providing broad access to those who seek the opportunity to study law, while requiring those to whom that opportunity is offered to meet Cooley’s rigorous academic standards.”  One major benefit of this part of Cooley’s mission is the extent to which we are helping to diversify the legal profession.

Based on the most recent five years of data published in the 2009-2013 editions of the ABA Official Guide to Law Schools, Cooley has graduated more minority students during this period than any law school in the country, with a total of 958 minority graduates. Rounding out the top five schools were Harvard (865), Loyola Marymount (784), Georgetown (775), and American University (747).

The two largest racial and ethnic groups that face the greatest discrimination in American legal education today are African-Americans and Hispanics.  During the first decade of this century, nearly two-thirds of all African-American applicants and nearly half of all Hispanic applicants were denied admission to every ABA-approved law school to which they applied, compared to less than one-third of all Caucasian applicants.

Cooley ranks third in African-American graduates with 439, behind only Howard (558) and Texas Southern (460).  Rounding out the top five schools were Southern University (389) and North Carolina Central (376).

Cooley ranks 8th in Hispanic graduates with 222.  The top five schools were Texas (343), St. Thomas-Florida (321), American University (287), St. Mary’s (269), and Florida International (256).

Cooley also ranks 15th in Asian/Native Hawaiian/Pacific Islander graduates with 238.  The top five schools were California-Hastings (480), Loyola Marymount (468), Santa Clara (374), Brooklyn (352), and Harvard (327).

And Cooley ranks 18th in American Indian/Alaskan Native graduates with 17.  The top five schools were Oklahoma (80), New Mexico (59), Denver (48), Arizona State (47), Oklahoma City (43), and Tulsa (43).

Only four schools in the country made the top 20 list in all five of these categories – American University, George Washington, Harvard, and Cooley.

Of course, graduation does not guarantee entry into the legal profession.  To achieve that, graduates must first pass a state bar examination.  Two well-documented studies, one by the Law School Admissions Council and one by the National Conference of Bar Examiners, have established that African-Americans face the greatest challenge in passing the bar examination, which is as much a comment on the validity of bar examinations as a barrier to entering the profession as anything else. But in the five most recent years for which our graduates have had at least two full calendar years to attempt to pass the exam, our African-American graduates have exceeded the ultimate pass rates for African-Americans documented in these studies in every one of those five years.

Inquiries about these studies or the top 20 lists compiled for this article should be directed to Professor and Associate Dean John Nussbaumer at nussbauj@cooley.edu.

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