Scenario 5 – The Lorenzo family are farmers who grow a variety of crops on 250 acres. They include lima beans, corn, soybeans, peas, and small grains. The family consists of Mark and Sophia and two grown children and their spouses. There are four grandchildren. The business is a Limited Liability Corp (LLC) that provides income for these three households. Currently, the LLC pays health insurance premiums for the family members as a business expense, but family members are responsible for the out-of-pocket costs and the $3,000/per person deductible. In addition to family members working the farm, there are 4 seasonal helpers who assist with farm operations. The weather and pest issues have impacted the health of the plants; they are concerned about yields and revenues this year. On top of that, two of their hired staff have left, citing they need jobs with benefits. The farm doesn’t ma ke enough to pay for health and other benefits of the seasonal staff. Now they are looking for new staff and are concerned about their ability to operate adequately while they are in search of knowledgeable and skilled seasonal staff replacements. For each case study, the following questions were used to facilitate discussion, understanding and resource development. Questions were used for each of the case studies but were updated with each story's character names. 1. Now that you have heard Sara’s story, wha t are some of your first thoughts and reactions? 2. What health care and business risk management planning could Sarah have done to protect herself and the business? What information or resources could your organization bring to help prevent/support this farm enterprise? 3. Given where Sarah is now, what is the next step for her and what specific resources, opportunities, assets or building blocks does she need that your organization can help provide? Please include the name of the organization that provides the resource and the resource. Note: These stories are fictional. They were developed based on the data collected from a national study of farm audiences and from informal interviews with farm audiences. Information can be found at: Inwood, S. (2017, August). Agriculture, health insurance, human capital, and economic development at the rural-urban-interface. Journal of Rural Studies . 54, 1-14. Retrieved 9-11-18: https://doi.org/10.1016/j.jrurstud.2017.05.009 Story Writers: Maria Pippidis and Laurie Wolinski, UD Cooperative Extension and Shannon Reed, USDA Rural Development Delaware and Maryland and Bonnie Braun, University of Maryland Extension University of Delaware Cooperative Extension In accordance with Federal civil rights law and U.S. Department of Agriculture (USDA) civil rights regulations and policies, the USDA, its Agencies, offices, and employees, and institutions participating in or administering USDA programs are prohibited from discriminating based on race, color, national origin, religion, sex, gender identity (including gender expression), sexual orientation, disability, age, marital status, family/parental status, income derived from a public assistance program, political beliefs, or reprisal or retaliation for prior civil rights activity, in any program or activity conducted or funded by USDA (not all bases apply to all programs). Remedies and complaint filing deadlines vary by program or incident.
111
Powered by FlippingBook