"New innovative Health Savings Accounts will change the way millions can save to meet
their health care needs," stated Treasury Secretary John Snow.

WEBINAR TIME: 11:30AM - 1:30PM PT 12:30PM - 2:30PM MT 1:30PM - 3:30PM CT 2:30PM - 4:30PM ET

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Any individual who is covered by a high-deductible health plan may establish as HSA. Amounts contributed to an HSA belong to individuals and are completely portable. Every year the money not spent would stay in the account and gain interest tax-free, just like an IRA. Unused amounts remain available for later years (unlike amounts in Flexible Spending Arrangements that are forfeited if not used by the end of the year). Tax-advantaged contributions can be made in three ways: the individual and family members can make tax deductible contributions to the HSA even if the individual does not itemize deductions the individual's employer can make contributions that are not taxed to either the employer or the employee, and the employers with cafeteria plans can allow employees to contribute untaxed salary through a salary reduction plan. Funds distributed for the HSA are not taxed if they are used to pay qualifying medical expenses. To encourage saving for health expenses after retirement, HSA owners between age 55 and 65 are allowed to make additional catch-up contributions ($500 in 2004) to their HSA's. Learn more during this seminar about these new innovative products.

WHAT YOU WILL LEARN

- What are Health Savings Accounts?
- Who is eligible for a HSA?
- What is HDHP?
- How can an HSA be established?
- How much money can be put in an HSA?
- Distributions from HSA
- What are qualified medical expenses?
- How funds are handled at death
- What type of product can your bank use to support this account
- IRS Reporting for the bank
- Contracts, compliance responsibilities for your bank
- And much, much more!

WHO SHOULD ATTEND
Customer Service Representatives, Personal Bankers, New Accounts, Compliance, IRA Personnel, Frontline Personnel

ABOUT THE SPEAKER
Deborah Crawford Stone is the President of gettechnical inc. She specializes in compliance and regulations for the deposit side of financial institutions. Her 20+ year career in banking and training began at Hibernia National Bank. She has been a seminar leader for many state associations and credit union groups across the nation. She has a Bachelors and Masters degrees from Louisiana State University.



More information...

Location:	Webinar
Price:	$225 Early Bird for Registrations one week prior to program
Sponsor:	BOL Learning Connect
Contact:	Carin Eisenhauer carin@bankersonline.com 888 229-8872
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