Video & Transcript Research : 'benefit coverage'

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CA
Transcript Highlights:
  • And this panel will be discussing facilitating automatic enrollment in public benefit programs.
  • So why might people not cross-enroll into other benefits?
  • While safety net benefits can be a literal lifeline, the application process can be complex.
  • This can be exacerbated for programs that scale the benefit amount based on income.
  • So. organizations that assist customers within Benefits Cal.
Summary: The Assembly Budget Subcommittee on Human Services heard an overview of efforts to streamline access to safety net programs and move toward more automatic, person-centered enrollment. CDSS, DHCS, and CalHHS described current cross-enrollment between Medi-Cal, CalFresh, and CalWORKs, including data showing high overlap among programs and a text-message outreach pilot that increased CalWORKs applications and enrollments but reached only a small share of potentially eligible people. Witnesses emphasized barriers such as differing federal eligibility rules, data-sharing limits, privacy concerns, and the need for better technology, consent management, and stakeholder engagement. Members pressed the administration on how to institutionalize these efforts across administrations and asked for concrete budgetary and regulatory steps to support “no wrong door” enrollment and automatic referrals. The committee also reviewed several chair priorities. On the proposed foster care multi-agency office, CDSS said existing coordination structures already address much of the intended work and asked to verify prior fiscal scoring. On the Employment First Office, CalHHS explained that the office’s $1 million budget was eliminated in the 2024-25 budget as part of deficit reductions, while noting that employment for people with intellectual and developmental disabilities remains an administration priority through existing departmental coordination. For the food insecurity proposal, CDSS said it could provide technical assistance but would need new data-sharing agreements, could not separately calculate a CFAP participation rate with current data, and would likely need until July 1, 2027, plus ongoing staffing, to complete the requested report. The mandated reporter proposal drew support for reform, with CDSS estimating low-millions in one-time training costs and ongoing costs in the hundreds of thousands. The subcommittee also discussed a guaranteed income proposal. CalHHS suggested drafting new statutory language and considering a county-administered model rather than a state-run competitive grant process to reduce administrative burden, while members and public commenters urged support for AB 661 and a study of a permanent statewide guaranteed income program. Public testimony also supported automatic enrollment, community-supporting mandated reporting reforms, and cash assistance for fire recovery. In the final items, CSD described how local nonprofit partners helped during the Los Angeles fires with food, housing vouchers, transportation, and emergency energy assistance, and explained that LIHEAP and CSBG remain important but limited tools for disaster response. CSD also said recent federal staffing cuts and possible future federal budget threats could affect LIHEAP and CSBG administration, though no immediate service disruptions had occurred and additional LIHEAP funds were expected to be released soon.
NH

New Hampshire 2025 Regular Session

House Health, Human Services and Elderly Affairs (01/29/2025)

Health, Human Services & Elderly Affairs

Transcript Highlights:
  • and you give that coverage.
  • and you give that away this coverage and you give that coverage<04:19:57.520> you're<04:19:57.680
  • <04:48:21.080> most fraudulent it does not benefit most fraudulent it does not benefit most
  • <04:49:17.120> and review these payments and coverage and review these payments and coverage
  • how 17 other stat have dropped coverage how 17 other stat have dropped coverage and<05:16:40.680
Keywords: 1189, house, all
CA

California 2025-2026 Regular Session

Assembly Floor Session May 27th, 2026

California House Floor Meeting

Transcript Highlights:
  • Assembly Bill 1929 by Assembly Member Ortega and others, in health care coverage.
  • This is such a benefit to our youth and their well-being.
  • It obviously has environmental benefits as well.
  • It obviously has environmental benefits as well.
  • I appreciate all of the benefits that were just articulated.
Keywords: 988, house, all
MN

Minnesota 2025-2026 Regular Session

Psilocybin therapeutic use program established 3/9/26

Minnesota House Floor Meeting

Transcript Highlights:
  • I personally benefited from ketamine-assisted psychotherapy, which is currently legal in Minnesota.
  • In other words, it is a very structured therapeutic process designed to maximize benefit and minimize
  • In other words, it is a very structured therapeutic process designed to maximize benefit and minimize
  • What we do not have is the benefit of time. Please support this bill.
  • We do not have the benefit of time. Please support this bill.
Keywords: 1183, house
NM

New Mexico 2026 Regular Session

House - Health and Human Services Jan 30th, 2026 at 08:34 am

House Health & Human Services

Transcript Highlights:
  • It reads: 'The value of accrued medical care and related benefits means the actual amount paid or owed
  • by a patient or a third party on behalf of a patient for medical care and related benefits.'
  • Value of accrued medical care and related benefits.
  • Value of accrued medical care and related benefits does not include any costs waived, written off, or
  • medical malpractice coverage.
Keywords: 996, all
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Monday, March 10, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • Any use of the closed-captioned coverage of the House proceedings for political or commercial purposes
  • launched its strategic five-year plan, and Austin was instrumental in conservation projects that benefit
  • AND THE CHINESE COMMUNIST PARTY Who are intent on tilting the global playing field to their benefit,
  • ANY USE OF THE CLOSED-CAPTIONED COVERAGE OF THE HOUSE PROCEEDINGS FOR POLITICAL OR COMMERCIAL PURPOSES
  • THIS STOP-START, STOP-START TARIFFS ARE PRODUCING NO BENEFITS FOR AMERICA WHILE ALREADY RISING PRICES
CO

Colorado 2026 Regular Session

Colorado Senate 2026 Legislative Day 105 Apr 29th, 2026

Colorado Senate Floor Meeting

Transcript Highlights:
  • House Bill 1411, concerning changes to health insurance benefits for certain low-income individuals who
  • low-income benefits for certain low-income individuals<00:47:50.720> who<00:47:50.880> are
  • <01:47:54.000> manufacturers benefit of our craft manufacturers benefit of our craft manufacturers
  • <02:25:27.920> or workers compensation coverage or workers compensation coverage or rejection
  • /c> rejection of coverage for all rejection of coverage for all applicants,<02:25:30.880> general<
Keywords: 981, all
MN

Minnesota 2025-2026 Regular Session

Committee on Education Finance - 03/04/26

Education Finance

Transcript Highlights:
  • <00:32:06.080> of to school districts for the benefit of to school districts for the benefit
  • <00:35:07.520> of purchasing power for the benefit of purchasing power for the benefit of
  • The school trust lands were to benefit The school trust lands were to benefit all<01:30:24.719><
  • Given that a 2% coverage this year.
  • . coverage. coverage.
Keywords: 1187, senate, all
ND

North Dakota 2025-2026 Regular Session

Human Services Committee May 27th, 2026

Transcript Highlights:
  • can access those benefits is really important.
  • North Dakota that are qualified for SNAP benefits can access those benefits is really important.
  • In the middle, we have the child care workforce benefit.
  • That employer provides a monthly paid benefit of $150 or $300. The state then matches that benefit.
  • Chairman, I think that would be useful to know because if the hospital can benefit or the state can benefit
Summary: The committee first heard an update on North Dakota’s Interagency Council on Homelessness and Continuum of Care funding. Jennifer Henderson of the North Dakota Housing Finance Agency reported that homelessness remains driven by tight housing markets, low incomes, rising rents, and barriers to rental assistance, public benefits, and disability determinations. She said the state’s one-time North Dakota Homeless Grant is serving all regions but reaches far fewer households than the former Rent Help program, and that aging homelessness, shelter staffing shortages, and limited affordable units are growing concerns. Members discussed the need for more housing supply, better coordination with Health and Human Services, landlord engagement, reentry housing, and possible continued one-time funding for the $10 million Homeless Grant and $25 million Housing Incentive Fund. Henderson also warned that federal Continuum of Care funding is uncertain, with HUD expected to issue a new notice June 1 and possible shifts away from permanent supportive housing toward transitional housing and other models. The committee then took testimony on accessibility of government services for people who are blind, visually impaired, deaf, or hard of hearing. Paul Olson of North Dakota Vision Services School for the Blind described the school’s services for infants, children, and adults, including screenings, mobility training, assistive technology, and outreach across the state. He said the agency works closely with Vocational Rehabilitation and is also involved in improving website and document accessibility, especially for PDF materials. Public testimony highlighted barriers such as inaccessible CAPTCHA systems, online forms, driver’s license requirements on job applications, and limited transportation in rural areas. A deaf resident urged broader use of video remote interpreting and video relay services, along with training so people know how to use them effectively. Finally, Kay Larson presented the final report on the child care provider licensing study. The report recommended streamlining North Dakota’s child care licensing structure into three provider types plus a preschool designation, while preserving health and safety standards and maintaining eligibility for child care assistance. The committee discussed simplifying training and qualification rules, revising ratio and group-size requirements, and adjusting age bands for infants and toddlers. The report also noted that some changes would require statutory amendments and later administrative rule changes, with a transition period likely extending through 2029. No formal votes were taken in the transcript, but the committee accepted the updates and scheduled follow-up presentations for a later meeting.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Wednesday, June 4, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • overwhelmingly overwhelmingly benefit overwhelmingly overwhelmingly benefit billionaires,<02:46:
  • , will lose access to their SNAP benefits, will lose access to their SNAP benefits, taking<03:06:
  • <03:09:24.640> uh Medicaid coverage. uh Medicaid coverage. uh 21,167<03:09:26.640> people
  • states to cover their other optional populations and benefits.
  • ,<04:50:28.560> regardless away their health coverage, regardless away their health coverage
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Thursday, June 12, 2025)

US Federal House Floor Meeting

Transcript Highlights:
  • than their medical benefits.
  • <00:26:01.600> than substance use disorder benefits than substance use disorder benefits than
  • These rules their medical benefits.
  • <00:35:33.520> and administer immigration benefits and administer immigration benefits and
  • <06:45:00.240> that receive the care and benefits that receive the care and benefits that
MN

Minnesota 2025 1st Special Session

Committee on Judiciary and Public Safety - 09/25/25

Judiciary and Public Safety

Transcript Highlights:
  • , we are allowing facilities to be staffed at 100% in their security ranks, which ensures proper coverage
  • um during this ensures proper coverage um during this transfer<00:09:41.600> time<00:09:41.920
  • <00:32:40.960> of<00:32:41.120> the forum here for the benefit of the forum here for
  • the benefit of the public.<00:32:42.159> Um<00:32:42.480> you<00:32:42.720> had
  • to our population pronounced u benefits to our population in<01:08:11.359> terms<01:08:11.599
Keywords: 1187, senate, all
HI

Hawaii 2025 Regular Session

WAM-GVO Informational Briefing 01-07-2025

Hawaii Senate Floor Meeting

Transcript Highlights:
  • provide some coverage so that people<00:26:35.520> aren't<00:26:35.799> defecating<00:
  • And there'll be a lot of people in that facility, and we're going to need to have full-time coverage.
  • And there'll be a lot of people in that facility, and we're going to need to have full-time coverage.
  • increasing some of the fringe benefits increasing some of the fringe benefits for<00:40:59.760><
  • We're looking to increase the fringe benefit for the office.
Keywords: 912, senate, all
Summary: The joint Ways and Means and Government Operations committees received a biennium budget preview from Keith Regan, Comptroller and Director of the Department of Accounting and General Services (DAGS), who introduced department leadership and described DAGS’ broad responsibilities across accounting, public works, procurement, elections, archives, risk management, and other attached agencies. He emphasized that DAGS supports nearly every state department and cited ongoing workforce challenges, while noting progress in reducing the department-wide vacancy rate from 21% in 2023 to 17.7% in 2024. He also highlighted recruitment efforts, including new salary schedules for engineers and architects, job fairs, internships, and outreach to retiring federal employees. A major focus was modernization of the state’s aging financial systems, especially the 55-year-old FAMIS platform and the Enterprise Financial System (EFS) project. DAGS said it expects to release the RFP for the FAMIS replacement by the end of January and is seeking a second tranche of CIP funding, including $35 million, plus position augmentation and creation of a Business Transformation Office to manage EFS and future modernization work. The department also described major capital projects such as the Aloha Stadium Entertainment District, Wahiawā Civic Center, Kauaʻi Civic Center, and Ahuimanu Community Correctional Center, and reported that Public Works is managing 455 projects statewide valued at more than $2.5 billion. Other budget requests discussed included funding for cemetery operations, with DAGS asking for two positions and $1 million in operating funds to support maintenance of eight cemeteries; a $200 million ceiling increase tied to anticipated insurance proceeds for West Maui fire-related recovery and rebuilding; and several staffing and operating items for district offices and facilities. These included full-year funding for positions in West Hawaiʻi and East Hawaiʻi, support for a small business coordinator at the State Procurement Office, funding for cloud hosting and PeopleSoft licensing, six positions and staff augmentation for the EFS project, electricity costs, and security-related funding. DAGS also noted that two requested reductions totaled $7.9 million, including transferring the security contract to the Department of Law Enforcement and reducing nonrecurring expenses; members discussed whether some security funding should remain with or be moved to DLE, and DAGS said it would not object to that transfer. No votes were taken in the portion provided.
MN
Transcript Highlights:
  • Big Pharma follows the law and make sure that this program make sure that the hospitals get the benefits
  • Big Pharma follows the law and make sure that this program make sure that the hospitals get the benefits
  • Big Pharma follows the law and make sure that this program make sure that the hospitals get the benefits
  • Big Pharma follows the law and make sure that this program make sure that the hospitals get the benefits
  • Senator Hauschild mentioned about HR1, uh we certainly don't need to add on by taking away 340B coverage
Keywords: 918, senate, all
Summary: The meeting focused on a Minnesota Senate floor debate over a bipartisan 340B enforcement bill, with supporters arguing that the measure would require pharmaceutical companies to comply with federal and state law and continue providing discounted drugs to safety-net and rural hospitals. Senators and other speakers said the program is essential to hospital finances, especially for facilities facing operating losses and federal Medicaid cuts, and warned that without enforcement language hospitals such as Hennepin County Medical Center and rural hospitals could face severe financial harm or closure. Supporters also said pharmaceutical companies had spent heavily on media and lobbying to oppose the bill and that the Senate’s bipartisan vote showed the issue had broad support. Several speakers described how 340B revenue is used to sustain hospital services, including addiction treatment, trauma care, and other essential care in vulnerable communities. They said the program was designed to let hospitals buy drugs at low cost and bill insurers at standard rates, using the difference as a funding stream. When asked about claims that hospitals made large sums from the program, supporters said that was consistent with the program’s purpose. They also said some drug companies were not complying with 340B obligations, particularly around contract pharmacies, and that enforcement language was needed to ensure compliance. The discussion also addressed HCMC’s financial situation, with speakers saying 340B funding is not a full solution but is an important support and should not be reduced further. They rejected a proposed transparency/reporting amendment as too burdensome, while noting that federal authorities already have audit power over 340B dollars. The speakers urged the House to pass the same language, said eight Republicans joined the Senate vote, and expressed hope that the bill would advance despite concerns about House support and ongoing pharmaceutical industry opposition.
NH

New Hampshire 2025 Regular Session

House Finance Division III (02/27/2025)

Transcript Highlights:
  • <02:56:00.439> whatever because of insurance coverage whatever because of insurance coverage
  • One of the benefits of the Governor's Commission is that its funds are flexible.
  • towards those gaps one of the benefits towards those gaps one of the benefits of<04:09:31.920>
  • or can't afford uh doesn't have coverage or can't afford uh their<04:55:24.280> pharmaceutical
  • <04:57:11.958> um because of the Medicaid coverage um because of the Medicaid coverage um
Keywords: 928, house, all
Summary: The House Finance Committee’s Division 3 held a public work session on the Behavioral Health budget on February 27, 2025. The chair opened by explaining the schedule, materials, and deadlines for the budget process, and noted there would be no motions or votes in the division that day. Division of Behavioral Health Director Ktia Fox and DHHS CFO Nathan White then walked the committee through the division’s mission, structure, and budget materials, describing the division’s four bureaus: Mental Health Services, Children’s Behavioral Health, Drug and Alcohol Services, and Homeless Services, along with the policy unit. They emphasized the division’s role in oversight, technical assistance, quality assurance, contracting, and the continuum of care from prevention and early intervention through crisis and residential services. Much of the discussion focused on major programs and funding lines, including the 988 Lifeline contract with Headrest, a technical assistance contract with UNH, Medicaid pass-through payments to New Hampshire Hospital and Glencliff, crisis response services, cold-weather homeless responses, housing supports, and the children’s system of care. Members asked about the UNH contract, the 988 program, crisis stabilization centers, and the peer certification program; Fox explained that the peer certification is a training-and-credentialing pathway for people with lived experience to enter community-based behavioral health work, not a volunteer program. The committee also discussed the “Choose Love” program, which Fox said was created after the Sandy Hook tragedy to build resilience and strength-based emotional regulation in schools and communities. On the children’s side, Fox described the system of care account as the place where many contracted services are budgeted, including community mental health centers, care management entities, rapid response services, and residential programs. Members asked about temporary staffing, and Fox said roughly $500,000 in temporary staff costs shown in the current year would not be spent next year because the money came from a nonlapsing appropriation in HB 1573 for oversight of children’s residential services. She also said provider rate increases were a prioritized need but were not funded in the governor’s current budget, and that the Children’s Behavioral Health Resource Center was not funded, resulting in about a $1 million reduction. The session ended while the division was still moving through the children’s behavioral health slides, including questions about the Fast Forward high-fidelity wraparound program and medication management.
NH
Transcript Highlights:
  • million dollars less of um of benefits million dollars less of um of benefits in<00:12:40.800>
  • uh other state agencies were benefiting uh other state agencies were benefiting from<00:15:46.320
  • So it’s a cap on the benefit.
  • benefits. And so I could use a couple benefits.
  • help offset and and create um benefit help offset and and create um benefit for<07:03:20.558>
Keywords: 10am HB 1 & HB 2, 928, house, all
Summary: The committee of conference for HB 1 and HB 2 reviewed the side-by-side budget comparison and began working through agreed and disputed items. Members first confirmed that grayed-out items were already settled and discussed a process for making later technical and intent changes, especially to true up abolished positions after additional decisions were made. They then moved through several budget sections, including judicial branch reductions, retirement systems, the Department of Justice, the Human Rights Commission, liquor enforcement, corrections, and the Department of Information Technology. Several items were agreed to or treated as settled package items, including the judicial branch position, the Department of Justice reduction, the Human Rights Commission item being held until related HB 2 language is finalized, the Housing Appeals Board being moved into the Board of Tax and Land Appeals, and the Office of Child Advocate. The committee also agreed to update the House bill language as needed based on HB 2 decisions, and to keep certain IT support rows in place unless related boards and commissions are eliminated. The effective date remained July 1, 2025, with no change. The main unresolved discussion centered on the retirement systems budget, where the Senate defended a large increase for deferred IT security and investment-function improvements, while the House argued the increase was too large and favored a back-of-the-budget cut. The Senate said the funds would support strategic IT and investment changes and would remain in the trust if cut, while the House emphasized the size of the increase and suggested a compromise. The committee ultimately retained the Senate position on retirement systems for the moment and said it would return to the issue later. On corrections and liquor enforcement, the committee described a negotiated back-of-the-budget cut structure, including a $10 million cut for corrections with some restoration of POS offices and administrative aides, and a liquor enforcement cut that was treated as part of a broader package. The Department of Safety item related to commercial enforcement and motor vehicle inspections was held for later discussion. The meeting ended with several items agreed, several held for coordination with HB 2, and some major budget questions still open.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Labor and Workforce Development Jun 21st, 2026 at 11:00 am

Joint Committee on Labor and Workforce Development

Transcript Highlights:
  • week and receive far fewer weeks of benefits than their higher-wage counterparts.
  • Workers are forced to go back to work for substandard wages and benefits.
  • Workers are forced to go back to work for substandard wages and benefits.
  • Thank you. ...substandard wages and benefits.
  • Workers are forced to go back to work for substandard wages and benefits.
Keywords: 995, all
Summary: The Joint Committee on Labor and Workforce Development held a hybrid hearing on legislation concerning unemployment insurance, non-compete agreements, prevailing wage, and minimum wage issues. Committee leaders outlined the hearing process, asked witnesses to keep oral testimony to three minutes, and invited written testimony through November 20. No votes were taken during the hearing; it ended with a motion to adjourn and notice of the next hearing on November 20. Much of the testimony focused on bills to expand unemployment insurance for striking workers, including H. 2168 and S. 1319. Labor leaders, union members, and legal advocates argued that workers who are out on strike for more than 30 days should be able to receive UI benefits, saying the policy would help workers and families meet basic expenses, reduce employers’ ability to “wait out” strikes, and encourage good-faith bargaining. Speakers cited recent strikes, including the Republic Services strike, and said the proposal would not meaningfully increase strike activity or strain the UI trust fund. Another major topic was minimum wage legislation, especially H. 2107/S. 1349 to raise the minimum wage to $20 by 2029 and index it to inflation, and H. 2191 to create a $25 enhanced care worker minimum wage. Supporters said current wages are not keeping pace with housing, food, and childcare costs, and that care workers, direct support staff, and human service employees face chronic vacancies, burnout, and turnover. Testimony also supported H. 2126 on prevailing wage by adding apprenticeship and training contributions to the wage calculation, and H. 2159 and S. 1363 on prevailing wage-related issues. One witness, Russell Beck, testified against S. 1336, which would ban non-competes, and against H. 2118, arguing Massachusetts’ current non-compete law is a balanced compromise that should not be disrupted.
AR
Transcript Highlights:
  • Okay, do we know the difference in cost between using it as a pharmacy benefit or using it as a DME benefit
  • breakdown for you specifically okay do we know the difference in cost between using as a pharmacy benefit
  • or using as a DME benefit what is the difference in total cost we do know we do know I'll have to get
  • The other piece of that act was to increase the limit for dental benefits for individuals with special
  • The main comments were regarding the coverage.
Summary: The committee reviewed a series of Arkansas DHS and Department of Health rules, most tied to 2025 legislation. Early items covered Medicaid changes including presumptive eligibility application timing, adding a fictive kin definition for foster child eligibility, raising the able account disability onset age to 46, allowing continuous glucose monitors to be billed by both pharmacy and DME providers, increasing the RSV vaccine administration fee for children, a telemedicine exemption for ET3 ambulance services, and a physical therapy access rule that also included occupational therapy. Members generally asked limited questions and most rules were reviewed without objection. A major portion of the meeting focused on the dental rate increase rule under Act 1025. DHS said it implemented rate increases for certain pediatric, special-needs, and oral surgeon services, but not orthodontics, and it interpreted the act as applying only to oral and maxillofacial surgeons, not general dentists. The Arkansas State Dental Association and legislative sponsors testified that the intent was to cover general dentists performing oral surgery procedures for special-needs patients, estimating the broader interpretation would add about $1.5 million annually. Committee members debated the plain language of the act versus legislative intent, and the rule was reviewed, but with testimony noting the issue should be fixed in future legislation. Later items included the Healthy Moms, Healthy Babies rule adding doula and lactation consultant billing and remote monitoring benefits; an adverse decisions rule extending provider appeal time from 35 to 65 days; CNA training program updates; PASSE network-status disclosure rules; certification rules for community-based doulas and community health workers; cosmetology, massage therapy, lead-based paint, radiation, radiologic technology, and RV park rule updates. Most of these were described as technical, statutory, or federally driven changes and were reviewed without objection. The committee briefly reopened the CGM rule after a motion to expunge the prior vote, and Representative Wardlaw said he would hold the rule for further review because he believed the billing changes did not match the law’s intent. The meeting ended with no further business and adjournment.
LA

Louisiana 2026 Regular Session

Senate May 13th, 2026

Louisiana Senate Floor Meeting

Transcript Highlights:
  • , but when it comes to funds and the use of those things, we ask that you would help us to wisely benefit
  • House Bill 76 by Representative Freeman is an act in Title 22 relative to health insurance coverage to
  • Office of Group Benefits. Senator McMath. Thank you, Mr. President.
  • What is the benefit, I guess, is what I'm asking, of the panel itself.
  • Not only will the change benefit our constituents, but it will benefit the police department.
Keywords: 974, senate, all
AL

Alabama 2025 Regular Session

Alabama Senate Feb 18th, 2025

Alabama Senate Floor Meeting

Transcript Highlights:
  • It provided a lot of healthy benefits for me, and I appreciated her...
  • So we've got to have a benefits package and a lifestyle package that makes them want to stay in this
  • Now, one of the better things was that they were getting a good benefit package, and now if the benefit
  • Closing out some or all benefits for instance, I hear this phrase, "close out the Medicals."
  • She's like, "What do you mean we don't have workers' compensation and coverage?"