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New Delhi, Nov 14 () The government has eased KYC norms for migrants to open bank account by allowing them to give a self-declared local address as sufficient proof of residence in case it is different from one mentioned in Aadhaar document.
Migrants face difficulties in having proof of residence as address on Aadhaar is different from their current location.
The Department of Revenue on Thursday said its notification is with regard to easing of Aadhaar KYC use for opening of the bank account for the convenience of people who often migrate from place to place for jobs or any other reason.
The changes were made by amending the Prevention of Money-laundering (Maintenance of Records) Rules, as per a gazette notification issued on Wednesday.
This amendment has been issued to allow people who have used Aadhaar KYC to open bank account and want to give an address different from the address in Aadhaar as current address on a self-declaration basis. 
"The amended PMLR applies only to Aadhaar KYC purposes for opening of bank account and not for the change of Address in Aadhaar card. 
"If a person has moved residence for purposes of work and needs to use Aadhaar KYC for opening a new bank account or change his bank branch, etc., he can give a self declaration of new address while retaining the original address on his Aadhaar card," Revenue Secretary Ajay Bhushan Pandey said. 
The PML Rules amendment makes opening bank account easier for individuals who are living in an address different from their address in Aadhaar, he said, adding that people who submitted Aadhaar card with a different address as KYC at banks can now submit local address by providing a self-declaration.
He further said that with this amendment, giving a self-declaration about a local address or any address other than the one on Aadhaar card will be sufficient as address proof to open bank account with Aadhaar KYC. 
This amendment brings in convenience especially for the migrant people. For example, if a migrant worker comes from Jharkhand to Mumbai and his/her Aadhaar has Jharkhand's address, then to open a bank account a self-declaration about his/her local address in Mumbai will be sufficient for Aadhaar KYC.
The change has been made through an amendment in the PML Rules and not by way of amending Aadhaar Act/Regulations and it does not apply to change of address in Aadhaar card. DP NKD CS MKJ

Govt eases norms for opening bank account for migrants with Aadhaar KYC

<div class="KonaFilter image-container display-table"><div><div class="image on-image">APIn this Tuesday, Feb. 24, 2015 file photo, former US Education Secretary Arne Duncan visits with 9-year-old Nadia Garcia in a third grade classroom at McGlone Elementary School in Denver.</div></div></div><ul><li>In 2017, <a href="http://www.businessinsider.com/category/amazon-hq2">Amazon</a> signed a national contract with a co-op that buys products (e.g. school and office supplies, electronics, and library books) for 1,500 cities, counties, and school districts across the US. Public funds, often through taxes, pay for these Amazon products.</li><li>The co-op says that Amazon could receive up to $5.5 billion over the next 11 years.</li><li>A new report from the Institute of Self Reliance looks at purchasing totals from 60 cities, counties, and school districts in 2016.</li><li>The report's authors argue that relying on Amazon to buy public goods undermines local retailers or national chains with local stores. </li></ul>When cities, counties, and public school districts need to buy office and classroom supplies, computers, musical instruments, and library books, they often consult purchasing co-ops. One of the largest of these co-ops is US Communities, which negotiates contracts with retailers. Cities then use public funding to buy the products.In 2017, Amazon signed a contract with US Communities to provide its products to 1,500 public agencies, ranging from Atlanta Public Schools to the Mesa, Arizona police department. According to the co-op, Amazon could receive up to $5.5 billion over the next 11 years (or $500 million a year) as a result. While not every Amazon product is available through the deal, it includes <a href="http://www.uscommunities.org/suppliers/amazon-business/amazon-business-categories/">a range of categories for products</a> from Amazon Basics and various brands.The contract could hinder local or national retailers that would otherwise be able to sell their products to local governments. It may also help Amazon fortify its position as the dominant platform for online commerce, especially among local governments.Amazon already sells to tens of thousands of local governments and agencies, The Washington Post <a href="https://www.washingtonpost.com/business/2018/07/10/amazon-now-sells-office-supplies-books-thousands-cities-other-local-organizations/?utm_term=.51966a0c2b44">reports</a>. And while public agencies can still purchase from local companies through Amazon Marketplace, the tech giant takes a cut through fees it charges sellers."Amazon is changing the rules for how local governments buy goods - and putting cities, counties, and school districts at risk," <a href="https://ilsr.org/wp-content/uploads/2018/07/ILSR_AmazonsNextFrontier_Final.pdf">write</a> Stacy Mitchell and Olivia Lavecchia of the Institute for Local Self-Reliance, a nonprofit that advocates for strong local economies. The group recently submitted public records requests to over 90 local governments and school districts across the US, and received info on the total amount of money spent on Amazon products from 60 of them. Although the data is from 2016 (before the new contract went into effect), the following agencies are continuing to partner with Amazon. These figures can hint at local governments' Amazon spending habits going forward.Here were the top 10 spenders, which span most regions of the US, in 2016:<ul><li>Denver Public Schools - $1,560,726</li><li>Portland School District, Oregon - $629,031</li><li>Denver City and County - $548,419</li><li>Salt Lake County, Utah - $515,686</li><li>Austin, Texas - $501,724</li><li>Portland, Oregon - $493,677</li><li>Montgomery County, Maryland - $455,011</li><li>Pittsburgh, Pennsylvania - $289,128</li><li>Hennepin County, Minnesota - $233,819</li><li>Los Angeles County, California - $217,850</li></ul>Based on the sample the institute collected, Denver Public Schools is the biggest Amazon spender by far. While the city has a higher student population than a place like Rutland, Vermont (which spent less than $3,000 on Amazon in 2016), Denver Public Schools reported the third highest purchases per capita ($2.29). Following the contract, Amazon spending by the school district increased 77%. In the city and county, it rose by 49%.Unlike most agreements that retailers have signed with local governments in the past, Amazon's contract does not include price guarantees or volume discounts. The contract could signal Amazon's broader ambitions to capture public sector spending. In 2016, the company <a href="https://www.fedscoop.com/anne-rung-leaving-ofpp/">hired</a> Anne Rung, who held top roles in procurement in the Obama Administration, to lead its government division. Last year, Amazon began working with the General Services Administration, which supplies federal agencies with commercial goods. That multi-year contract is worth up to $5.5 billion.Amazon did not respond to a request for comment.In <a href="https://about.bgov.com/blog/amazon-vies-federal-business-denies-crowding-competitors/">an interview</a> earlier this year with Bloomberg, Rung said smaller businesses that have online marketplaces will benefit from the new law that allows federal agencies to buy from online retailers."Today, a small and medium-sized business has to market themselves to 3,200 different separate ... units across the federal government," Rung <a href="https://about.bgov.com/blog/amazon-vies-federal-business-denies-crowding-competitors/">told</a> Bloomberg. "Highly decentralized. That's enormously costly and time-intensive." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/medical-advances-change-lives-2018-6">These 13 medical technologies are changing lives</a></h3> <div> </div> </div>

Amazon quietly signed a $5.5 billion deal to sell its products to American cities - here are some of the biggest spenders

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">University of MichiganMichigan's MCity test environment for self-driving cars.</div></div></div>Michigan just became the first state to establish regulations for the testing, use, and eventual sale of self-driving cars.Gov. Rick Snyder signed legislation allowing for the testing of self-driving cars without a steering wheel, brake pedal, or human in the front seat at the Automotive Hall of Fame on Friday. The law also allows companies to use self-driving cars for ride-sharing services.The law will also allow self-driving cars to be sold to the public once the tech is tested and certified.Ford, General Motors, Google, Fiat Chrysler, Toyota, Uber, and Lyft helped shape the legislation.Although it's a huge moment for self-driving car policy making, automakers have conventionally been pushing for a federal framework for self-driving cars rather than rely on a piecemail, state-by-state approach.The Self-Driving Coalition for Safer Streets, which includes companies like Ford and Google, have been <a href="http://www.businessinsider.com/google-ford-uber-form-coalition-for-driverless-car-laws-2016-4" target="_blank">pushing for the federal government</a> to pass a comprehensive set of regulations governing the testing and use of self-driving cars. David Strickland, a former NHTSA Administrator, is the spokesperson for the coalition.<div class="KonaFilter image-container display-table"><div><div class="image on-image">FordA Ford self-driving car.</div></div></div>NHTSA released <a href="http://www.businessinsider.com/nhtsa-releases-self-driving-car-guidelines-2016-9" target="_blank">guidelines</a> for self-driving vehicles in September asking states to develop uniform policies for self-driving cars to avoid disparate state-by-state regulations. It also asked automakers to voluntarily submit a 15-point safety assessment explaining what they were doing to ensure the tech was safe and protect consumer privacy, among other things.But the NHTSA guidelines don't set a legal framework for the testing and deployment of self-driving cars, leading the The Self-Driving Coalition for Safer Streets to release a <a href="http://selfdrivingcoalition.org/newsroom/press-releases/self-driving-coalition-submits-response-to-nhtsa-autonomous-vehicles-guidance" target="_blank">statement</a> in November saying it supports the development of federal regulations and discourages against "state and local policymakers from pursuing their own rules and contributing to an inconsistent patchwork of regulations.""Furthermore, the federal government should take additional steps to enable safe and rapid deployment.... and we call on Congress to enact legislation to facilitate deployment of fully self-driving technology," the statement continued.<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">GoogleGoogle's self-driving car.</div></div></div>But the Michigan law could be seen as a partial win for Google, which has been <a href="http://www.businessinsider.com/driverless-car-rules-help-google-2016-9" target="_blank">pushing for laws</a> that will allow a fully self-driving car without a wheel, brake pedal, or driver to hit the roads.In December, the California DMV released <a href="http://www.businessinsider.com/driverless-car-dmv-regulations-2015-12" target="_blank">draft rules</a> allow self-driving cars to be used on public roads, but required a person to remain behind the wheel. California <a href="http://www.businessinsider.com/california-proposes-lighter-regulations-on-driverless-car-testing-2016-10" target="_blank">revised those draft regulations</a> in October following criticism from Google allowing for the absence of a driver in some instances.California's draft regulations are currently undergoing a new period of public comment before being finalized.As part of the Michigan legislation, the law will establish the Michigan Council on Future Mobility, an arm of Michigan's Department of <keyword id="34991" type="ORGANIZATION" weightage="60" keywordseo="transportation">Transportation</keyword>, to recommend policies setting industry standards.It shouldn't come as a surprise that Michigan is looking to lead the charge on self-driving car legislation, considering it is developing the American Center for Mobility, a 335-acre site for the testing and research of self-driving vehicles.The University of Michigan also has a 32-acre city, called <a href="http://www.businessinsider.com/university-of-michigan-builds-city-for-self-driving-cars-2015-7" target="_blank">MCity</a>, that serves as a test environment for self-driving cars. Ford has tested its cars at MCity.Although companies investing in self-driving cars are likely to still be pushing for federal regulations, this is a big win for companies that have been testing in Michigan. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/uber-self-driving-taxis-test-drive-2016-9">We got a ride in a self-driving Uber - here's what it was like</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="l4bjh2NTE6wNgV21PA-L2La3Bl-jWw39" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

The state of Michigan just made self-driving car history

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">Phil Noble / Reuters</div></div></div>Britain's National Health Service is under strain in terms of resources and funding and now the <a href="http://www.local.gov.uk/">Local Government Association</a>, which represents more than 370 councils in England and Wales, agrees with doctors that it would alleviate the pressure on GPs if people did not go to visit them when they have "minor ailments."The LGA took over responsibility for public health in 2013 and has been liaising with local councils and GPs to find ways to streamline the service and save money for the benefit of the public.<a href="http://www.local.gov.uk/web/guest/media-releases/-/journal_content/56/10180/8025654/NEWS">The LGA said in a statement on November 5</a> that "millions of GP visits are unnecessary, and for minor ailments such as coughs, colds, back pain and insect bite[s] where patients could instead be helped to treat themselves."According to the LGA report titled "Helping People Look After Themselves," people should "stop and think" about going to the doctors for ailments or injuries that are deemed unnecessary for a visit to the doctors.The report says that "minor conditions and illnesses are responsible for approximately 57 million GP consultations and 3.7 million A&amp;E admissions every year, costing the NHS more than £2 billion."The LGA listed the statistics for "minor ailments" that would free up millions of doctors appointments for people who need it more:<ul><li>5.2 million GP consultations are for blocked noses</li><li>40,000 for dandruff</li><li>20,000 for travel sickness</li><li>3.7 million visits to A&amp;E (19% of all admissions) were for self-treatable conditions such as a sprain (38 per cent), flu (17%), colic (13%) and insect bites (13%).</li></ul>"We need a new culture of care, where people stop and think before calling the doctor," said the Chairman of the LGA's Community Wellbeing Board, Cllr Izzi Seccombe."GPs and A&amp;E departments are already overstretched. However many appointments are unnecessary and for minor conditions that a person could treat or manage themselves. But patients need to be helped in learning how to look after themselves, for example in managing long-term conditions such as heart disease or diabetes, and GPs can play a key role in this." The report comes off the back of the the Academy of Medical Royal Colleges - which represents all 21 medical royal colleges in the <keyword id="6354868" type="COUNTRY" weightage="60" keywordseo="UK">UK</keyword> - <a href="http://uk.businessinsider.com/here-are-the-nhs-treatments-that-dont-actually-help-2016-10">recent announcement that there are a list of treatments that bring little or no benefit to the patient and should no longer be used.</a>This is aimed at making the NHS more efficient and save money and echoes the LGA's push to make sure only the people that really need treatment get the time and resources they need to be seen to.Professor Ian Banks, Self Care Forum Trustee and former A&amp;E doctor, said in the LGA report: "Most people are entirely capable of looking after themselves most of the time, self-treating when it's safe and knowing where and when to seek help when they need it."There will always be others however, who might need a bit more support to become empowered and confident in making the right health decision. Self care is not no care. Far from it, for example you will find the local pharmacist an excellent source of health advice and information. There are also reputable health information websites such as NHS Choices or the Self Care Forum website." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/buy-rent-financial-suicide-james-altucher-2016-10">JAMES ALTUCHER: This is why owning a home is financial suicide</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="0yNjBzeDo1bPwt1rmBJ8yS7MxZE2di07" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Britain's government is trying to save time and money by telling millions of sick people to not go to the doctors

<div class="KonaFilter image-container float_right"><div class="image on-image"></div></div>President Barack Obama emerged from <a href="http://www.businessinsider.com/obama-is-spending-his-afternoon-focusing-on-ferguson-2014-12">a series of meetings</a> Monday afternoon with what he called "concrete steps" his administration is taking in response to the ongoing protests in Ferguson, Missouri.
Protests have rocked the relatively small St. Louis suburb since August, when a white police officer shot and killed 18-year-old Michael Brown, an unarmed African-American teen. The demonstrations turned violent last week after a grand jury decided not to indict the officer, Darren Wilson, who said he acted in self-defense.
Obama has struck a relatively cautious tone on the protests, limiting his public comments to what he describes as the broader issues raised in Ferguson - not the specifics of the Wilson case. In particular, Obama has focused on improving the relationship between black and Latino communities and local <keyword id="6355470" type="CITY" weightage="60" keywordseo="Law">law</keyword> enforcement. 
After Ferguson-focused meetings with his cabinet members, elected officials, civil rights leaders, law enforcement officials, and young people from Ferguson, Obama unveiled four things the federal government is doing to try and mend that community-police relationship:
<ul>
<li>Limiting the Militarization of Local Police Forces: The police crackdown of the August protests was widely criticized for the use of military-style weapons, uniforms, and other gear. Obama said he had commissioned a review of whether the federal government "was militarizing domestic law enforcement unnecessarily" and will soon issue an executive order to address the issue. The executive order, he said, will specify the limits of the program that provides the equipment, mandate transparency, and make sure the government isn't "building a militarized culture inside our local law enforcement."</li>
<li>"New Community Policing Initiatives": Obama said he will work with Congress to significantly expand funding and training for local police departments. One of these proposals - funding tens of thousands of police body cams - was <a href="http://www.businessinsider.com/obama-pushing-for-75-million-police-body-cam-program-2014-12">unveiled earlier in the day</a>. Obama said he was looking to ensure the government is "in a conversation with law enforcement that wants to do the right thing to make sure that they're adequately resourced for the training and the technology that can enhance trust between communities and police."</li>
<li>Meetings With Law Enforcement: Attorney General Eric Holder will convene a series of meetings with law enforcement agencies across the country on additional ways to improve tensions between police and the communities they serve. </li>
<li>A Task Force to Look Into Even More Solutions: A task force will soon begin to study even more things the federal government can do to improve community-police relations, including studying the best practices of localities with successful track records on the issue, Obama said. He added that he was expecting these recommendations in 90 days. "This is not going to be an endless report that ends up collecting dust on a shelf. My expectation is concrete recommendations that we can begin to operationalize ... at the federal, state, and local levels," he said.</li>
</ul>
After laying out the four steps, Obama dismissed skeptics who might point to past task forces and commissions that failed to effect change.
"This time will be different," he vowed. "The president of the United States is deeply invested in making sure that this time is different."

Here Are The 4 Ways Obama Is Responding To Ferguson

<ul class="summary-list"><li>The federal government has made <a href="https://www.dol.gov/newsroom/releases/eta/eta20200312-0">three changes to unemployment benefits</a> as the coronavirus ravages entire industries.</li><li>The US Department of Labor issued guidance to states to allow <a href="https://www.dol.gov/newsroom/releases/eta/eta20200312-0">more flexibility with granting unemployment benefits</a> to workers during the pandemic in three different scenarios. </li><li>The first scenario is if a business has to temporarily shut down to to the virus, preventing employees from coming to work.</li><li>The second is if an employee is <a href="https://www.insider.com/breaking-coronavirus-quarantine-in-us-jail-charges-fines-2020-3">quarantined</a> and plans on returning to work afterward.</li><li>The third scenario is if an employee leaves work due to a risk of exposure or infection or to care for a family member.</li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories</a>.</li></ul>The novel <a href="https://www.businessinsider.com/category/coronavirus">coronavirus,</a> which has <a href="https://www.businessinsider.com/china-virus-everything-we-know-deadly-2019-ncov-wuhan-spread-2020-1">killed more than 15,300 people</a> and infected more than 349,000 worldwide, has also wreaked havoc on the global economy.As entire industries are temporarily shuttered, from restaurants to beauty parlors, the US has seen <a href="https://markets.businessinsider.com/news/stocks/us-layoffs-spiking-coronavirus-expert-reaction-commentary-economy-unemployment-analyst-2020-3-1029016785">a historic surge in people applying for unemployment benefits</a>. For the week ending March 14, <a href="https://markets.businessinsider.com/news/stocks/us-layoffs-spiking-coronavirus-expert-reaction-commentary-economy-unemployment-analyst-2020-3-1029016785">US jobless claims spiked by 70,000</a> to 281,000. Goldman Sachs estimates that number could jump to a record 2.25 million within a week. The Economic Policy Institute (EPI) estimates that <a href="https://www.epi.org/blog/coronavirus-shock-will-likely-claim-3-million-jobs-by-summer/">three million total jobs could be lost</a> in the US by the summer due to the pandemic.As more workers are applying for unemployment benefits, the <a href="https://www.dol.gov/newsroom/releases/eta/eta20200312-0">US Department of Labor has issued guidance</a> that gives states more flexibility in granting those benefits to workers affected by the coronavirus pandemic.Unemployment insurance is a program that's jointly run by the state and federal government, so while the application procedure can vary by state, the overall process and eligibility requirements are more or less the same.The Department of Labor outlines three scenarios in which states should offer more flexibility with unemployment benefits: <h3>1. An employer temporarily ceases operations due to COVID-19, preventing employees from coming to work</h3>Restaurants and other businesses across the US have been government-mandated to close their doors to slow the spread of the coronavirus. The expanded unemployment benefits guidelines make it clear that workers can be eligible for benefits even if <a href="https://www.businessinsider.com/what-is-zero-hour-schedule-unemployment-benefits-2020-3">they are not officially laid off.</a>"The requirement for unemployment benefits is [that] you had zero earnings in the prior week and your employer didn't offer you any hours," Andrew Stettner, a senior fellow at The Century Foundation, told Business Insider. "The question isn't whether you're employed, it's whether you're working."<h3>2. An individual is quarantined with the expectation of returning to work after the quarantine is over</h3>There's a difference between self-isolation, self-quarantine, and a legally enforced quarantine order. According to the Center for Disease Control and Prevention (CDC), <a href="https://www.cdc.gov/coronavirus/2019-ncov/php/risk-assessment.html">"federal, state, or local public health orders</a> may be issued to enforce isolation, quarantine or conditional release."If you are told to self-quarantine by a health official and are unable to work, you may be eligible for unemployment benefits, but states may have their own definitions of <a href="https://www.nytimes.com/2020/03/17/your-money/unemployment-insurance-coronavirus.html">who qualifies as quarantined</a>, as The New York Times noted.<h3>3. An individual leaves employment due to a risk of exposure or infection or to care for a family member</h3>Stettner said this could apply to a worker who chose not to come into work because they're concerned about being infected by the coronavirus."For example, if they are immune compromised or older and quit a job that requires sustained exposure to the public like working at a grocery store that has remained open," he told Business Insider. "It's a drastic move to quit, [but] there are cases when workers will feel like they have no choice."Again, this eligibility will vary by state. But if you're in doubt about whether or not you're eligible for unemployment benefits, experts say you should apply anyway. Beyond the federal guidance on unemployment insurance, states are changing their own eligibility guidelines every day, so even those who don't think they're eligible <a href="https://www.cnbc.com/2020/03/20/coronavirus-pandemic-some-states-are-making-more-people-eligible-for-unemployment.html">should consider applying,</a> Demetra Nightingale, a fellow at nonprofit research organization The Urban Institute, told CNBC Make It. To find information specific to your state, you can check the Department of Labor's list of <a href="https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx" target="_blank" title="" rel="noopener noreferrer">all 50 states' unemployment insurances offices</a> with phone numbers and links to informational websites.Get the latest <a href="/coronavirus-covid19">coronavirus news and updates</a> on how COVID-19 impacts our daily lives and businesses.

The federal government has made 3 changes to its unemployment benefits guidelines as the coronavirus cripples entire industries - here's what you need to know

Princess CruisesPrincess Cruises' Grand Princess ship.<ul class="summary-list"><li>The US State Department has advised against cruise ship travel in a new warning about the novel coronavirus. </li><li>The State Department said elderly people and those "with underlying health conditions" should not go on cruises because they could be at an "increased risk for more severe disease."</li><li>"Cruise ship passengers are at increased risk of person-to-person spread of infectious diseases, including COVID-19," the Centers for Disease Control and Prevention added in its own warning. </li><li>The US has <a href="https://www.businessinsider.com/wuhan-coronavirus-us-cases-health-risk-2020-1">554 confirmed cases of COVID-19 and 21 deaths</a> from the virus as of Monday morning. </li><li><a href="https://www.businessinsider.com/?hprecirc-bullet">Visit Business Insider's homepage for more stories</a>.</li></ul>The US State Department <a href="https://travel.state.gov/content/travel/en/international-travel/before-you-go/travelers-with-special-considerations/cruise-ship-passengers.html?fbclid=IwAR23mRlu4-382HLuSM8i0KWQBSaZ4heDniggmxR3kBR6e2EgWiKr6B0EseM">advised on Sunday that US citizens should avoid traveling on cruise ships</a> as the novel coronavirus continues to spread globally.The State Department said that those "with underlying health conditions" should not travel by cruise ships, citing advice from the Centers for Disease Control and Prevention."CDC notes that older adults and travelers with underlying health issues should avoid situations that put them at increased risk for more severe disease. This entails avoiding crowded places, avoiding non-essential travel such as long plane trips, and especially avoiding embarking on cruise ships," the state department's warning said. As of Monday, the United States reported <a href="https://www.businessinsider.com/wuhan-coronavirus-us-cases-health-risk-2020-1">554 confirmed cases of COVID-19, and 21 deaths</a> from the virus. The CDC backed the State Department's warning <a href="https://wwwnc.cdc.gov/travel/page/covid-19-cruise-ship">in its own cruise ship guidelines</a>, saying older travelers and those with underlying health issues should avoid such travel. "Sustained community spread of respiratory illness caused by COVID-19 has been reported in many countries," the CDC said. "Cruise ship passengers are at increased risk of person-to-person spread of infectious diseases, including COVID-19."The CDC said anyone who has been on a cruise ship in the last two weeks should monitor their health for 14 days. Cruise ships have been hit with coronavirus in the last several weeks, including the <a href="https://www.cnn.com/asia/live-news/coronavirus-outbreak-03-09-20-intl-hnk/index.html">Grand Princess</a>, off the coast of California, the <a href="https://nypost.com/2020/03/09/cruise-docks-in-florida-after-two-staff-members-test-for-coronavirus/">Regal Princess</a>, off the coast of Florida.Worldwide, there are more than 110,000 confirmed cases of the novel coronavirus."In order to curb the spread of COVID-19, many countries have implemented strict screening procedures that have denied port entry rights to ships and prevented passengers from disembarking," the State Department wrote. "In some cases, local authorities have permitted disembarkation but subjected passengers to local quarantine procedures. While the US government has evacuated some cruise ship passengers in recent weeks, repatriation flights should not be relied upon as an option for US citizens under the potential risk of quarantine by local authorities."<ul class="read-more-links"><li>Read more:</li><li><a href="https://www.businessinsider.com/coronavirus-covid-anti-fake-news-unit-russia-conspiracy-theories-uk-2020-3">Russia has been accused by the US of spreading conspiracy theories that coronavirus is a biological weapon created by the CIA and now the UK has set up a unit to fight them</a></li><li><a href="https://www.businessinsider.com/coronavirus-italy-lockdown-plan-leaked-thousands-tried-to-flee-2020-3">Thousands of people in Italy panicked and tried to flee its 16-million-person coronavirus quarantine after the plan leaked</a></li><li><a href="https://www.businessinsider.com/gates-foundation-at-home-coronavirus-test-kits-seattle-washington-2020-3">Gates Foundation is funding at-home coronavirus test kits in Washington state</a></li><li><a href="https://www.businessinsider.com/ted-cruz-self-quarantine-after-interaction-with-coronavirus-patient-cpac-2020-3">Ted Cruz announces self-quarantine after interacting with a person who tested positive for coronavirus</a></li></ul><a href="/intelligence/digital-health?IR=T&amp;itm_source=businessinsider&amp;itm_medium=ctgr_bii&amp;itm_term=ctgr_subscription&amp;itm_content=health&amp;itm_campaign=digital-health"></a>Featured Digital Health Articles: - <a href="/telehealth-industry-explained">Telehealth Industry: Benefits, Services &amp; Examples</a> - <a href="/value-based-care-pay-for-performance-healthcare-model">Value-Based Care Model: Pay-for-Performance Healthcare</a> - <a href="/senior-care-market-trends">Senior Care &amp; Assisted Living Market Trends</a> - <a href="/wearable-technology-healthcare-medical-devices">Smart Medical Devices: Wearable Tech in Healthcare</a> - <a href="/artificial-intelligence-healthcare">AI in Healthcare</a> - <a href="/remote-patient-monitoring-industry-explained">Remote Patient Monitoring Industry: Devices &amp; Market Trends</a> <h3>NOW WATCH: <a href="https://www.businessinsider.com/what-if-humans-tried-landing-sun-2020-2">What if humans tried landing on the sun</a></h3>

The State Department says people shouldn't go on cruises amid the coronavirus outbreak

<div class="image-container float_right"><div class="image">White House photo/Pete Souza</div></div>Here's a feature of <keyword id="6579869" type="PERSON" weightage="60" keywordseo="ObamaCare">Obamacare</keyword> you probably don't know about: A transfer of hundreds of billions of dollars in liabilities to retired public employees from state and local governments to federal taxpayers.
Here's how it's going to work.
States and localities have enormous liabilities in the form of health benefits they have promised to provide to retired workers. (Finance professionals call these benefits OPEB, or "other post-employment benefits.") Most public sector retirees get health plans until they turn 65, and then supplemental coverage on top of Medicare after that.
In most cases, state and local governments haven't prefunded these liabilities at all. As Americans age and health care costs rise, this is becoming a major drain on state and local finances, arguably more important than more-widely-discussed problems with public employee pensions.
But Obamacare will give states and cities a major out. Instead of providing health care to under-65 retirees, they can tell them to go buy health plans in the Obamacare exchanges. In many cases, those retirees will qualify for substantial subsidies to buy such plans. States and localities will often stand to save thousands of dollars per retiree per year, even if they provide a cash stipend to help each employee buy insurance in the exchange.
All told, state and local governments should be able to shift hundreds of billions of dollars in OPEB liabilities to the federal government. That will mean a major saving for those governments. But it will also drive costs upward at the federal level.
Some governments are already planning to do this. Detroit, as part of its bankruptcy plan, wants to stop providing health care to retirees and instead give them each a <a href="http://www.freep.com/article/20130912/NEWS01/309120035/Detroit-retiree-health-care-cuts">$125 monthly stipend</a> to buy insurance in the exchange. Currently, Detroit spends $721 per month per retiree on health benefits, so this move will allow Detroit to cut its OPEB liability by 80%.
But it won't just be bankrupt cities like Detroit making the move. <a href="http://www.suntimes.com/20112162-761/city-to-phase-out-health-care-subsidy-for-30000-retirees-but-5500-oldest-will-be-covered.html">Chicago</a> and <a href="http://www.wpri.com/news/politics/state-politics/ri-could-move-city-retirees-to-obamacare">Rhode Island</a>-governments facing tight fiscal situations but not on the brink of bankruptcy-are considering similar shifts.
Unlike pensions, retiree health benefits usually are not legally guaranteed. Stressed cities and states will see kicking OPEB costs up to the federal government as a politically appealing option because of that legal flexibility.
Even in places where finances are flush, the shift will be tempting. Public employee unions that work together with state and local governments to switch to federal coverage will be playing a positive sum game: Existing benefits can be replaced with a combination of Obamacare coverage and cash that leaves retirees with more income and local governments with lower costs. Only federal taxpayers will get left holding the bag.
The numbers are big
Surprisingly, we don't know the total amount of state and local OPEB liabilities. My best back-of-the-envelope guess is that they are about $2 trillion. For comparison, total outstanding state and local bond debt is $3 trillion.
In 2012, the Pew Center on the States calculated that states <a href="http://www.pewstates.org/uploadedFiles/PCS_Assets/2012/Pew_Pensions_Update.pdf">have accrued</a> $627 billion in unfunded OPEB. But most OPEB liabilities are at the local level, since most public employees work for local governments. There's no way to determine the total amount of local liabilities without examining financial statements on a county-by-county and town-by-town basis. Federal agencies like the Census Bureau and the Bureau of Economic Analysis don't do that for retiree health benefits.
The Empire Center for New York State Policy did a <a href="http://www.empirecenter.org/Special-Reports/2012/09/icebergahead101310.cfm#_ednref1">fairly comprehensive review</a> in New York State last year, looking at the reported liabilities of the state's 89 largest local government employers and imputing liabilities for other, smaller governments. They estimated $177 billion in local liabilities, 2.5 times the $73 billion in liabilities accrued by the state government.
Applying a similar ratio nationally would imply just over $2 trillion in total OPEB liabilities. A 2007 research note from Credit Suisse put the figure at $1.5 trillion, but liabilities have grown significantly over the last six years.
How many of those liabilities can be shifted?
A substantial fraction. Consider the below example.
A retired public employee in <keyword id="72226" type="COMPANY" weightage="60" keywordseo="New-York-City">New York City</keyword>, age 60, is married to another 60-year-old, with $50,000 a year in retirement income. New York City's most common health plans would have cost about $12,500 per year for that couple in 2012, paid entirely by the city of New York. Given the current pace of medical inflation, such a plan will likely cost about $14,000 in 2014.
The default Obamacare exchange plan for that couple will be substantially cheaper: About $9,360, <a href="http://kaiserfamilyfoundation.files.wordpress.com/2013/09/early-look-at-premiums-and-participation-in-marketplaces.pdf">according to</a> the Kaiser Family Foundation. But it gets better: The federal government will provide a subsidy of $4,610 to help that retired couple buy a health plan. Instead of the $14,000, that retired couple can get health coverage at a cost of just $4,750 after federal subsidies.
Instead of directly providing a health plan, New York City could just give that couple cash to buy such a plan. Even if it adds $1,000 to cover added income taxes and $3,000 to compensate for the plan's reduced generosity, New York City will still come out ahead by about $5,000 a year, cutting the cost of insuring this retiree by more than a third.
What costs won't get shifted to the federal government?
States and cities won't be able to offload their entire OPEB liabilities, even if they move under-65 retirees into the Obamacare exchanges. Here are a few components that they'll still have to pay for:
<ul>
<li>Benefits for retirees over 65. Many state and local governments provide supplemental coverage on top of Medicare, including assistance with premiums for Medicare Parts B and D. These costs won't be greatly affected by Obamacare, though the enhancement of prescription drug benefits in Medicare Part D may reduce the cost of supplemental coverage that states and cities provide.</li>
<li>Dental, vision and life insurance benefits. While OPEB liabilities consist mostly of medical benefit promises, they include any non-pension benefits that were promised to retirees. Non-medical benefits won't be affected.</li>
<li>Retiree contributions toward health premiums. As in the New York City example above, simply telling retirees "go buy in exchanges" would mean a marked reduction in their real income in retirement, because the retiree would be on the hook for several thousand dollars a year in premium contributions. Unless they're insolvent or close to insolvent, cities will generally feel pressed to make up this gap with cash payments that will eat up much of the savings from dropping retiree health plans-but not all of them.</li>
<li>Retirees who aren't eligible for premium subsidies. If you make more than 400% of the federal poverty line (about $62,000 for a family of two) you aren't eligible for health plan premium subsidies under Obamacare. The cost of making these retirees whole might be so high that it eats up all the savings from switching to federal coverage.</li>
</ul>
What to do with the "windfall"
As some states and localities start switching retirees to federal coverage, the temptation is likely to spread. In this way, it's likely to be similar to participation in the <a href="http://www.businessinsider.com/you-cant-resist-the-medicaid-expansion-pennsylvania-governor-corbett-wants-in-2013-9">Medicaid expansion</a>: Holdout states will have increasing difficulty justifying why they're not taking federal dollars that their neighbors are getting.
The question for cities and states will then be what to do with all the money they're saving. In Detroit, the answer is simple: The city doesn't have any money anyway. But in solvent jurisdictions, the temptation will be find new ways to spend money that lawmakers had been expecting to spend on retiree health care.
In general, the first choice should be to cut taxes. After all, new federal health benefits for retirees won't be free. They'll be an added and unexpected cost to the federal government, which will have to collect taxes over time to pay for them.
But very often, I expect that state and local officials will find other ways to spend the money. 
Bill de Blasio, New York's Democratic nominee for mayor, wants a new pre-Kindergarten program that he estimates will cost $350 million a year. He wants to pay for it with a high-income tax increase that state lawmakers aren't likely to approve. His Republican opponent, Joe Lhota, says he also favors universal pre-K but wants to find a different funding mechanism.
Meanwhile, in the next mayor's first year in office, New York City will spend $2.3 billion on health benefits for retirees. Cutting a deal with unions to shift many of those costs up to the federal government would produce enough savings to pay for universal pre-K, and then some. Watch for the next mayor to do so, whoever it is.

Obamacare Is Secretly A Bailout Of State And Local Governments

Throughout the "recovery" following the financial crisis, one of the big drags on employment growth has been the situation at the state and local level, where there's been virtually unprecedented downsizing thanks to the decline of tax revenues.
The good news is that this is finally coming to an end.
Yesterday's <keyword id="11018" type="COMPANY" weightage="60" keywordseo="Jobs">jobs</keyword> report was weak, but one bright spot was job creation at the state and local level as this chart from <a href="http://www.calculatedriskblog.com/2013/10/employment-report-comments.html">Calculated Risk shows</a>.
<div class="KonaFilter image-container"><div class="image on-image"><a href="http://www.calculatedriskblog.com/2013/10/employment-report-comments.html">Calculated Risk</a></div></div>

State And Local Governments Are Finally Adding Jobs Again

Welcome to <keyword id="34991" type="ORGANIZATION" weightage="60" keywordseo="transportation">Transportation</keyword> &amp; Logistics Briefing, a new M-W-F morning email providing the latest news, data, and insight on how digital technology is disrupting transportation and delivery, produced by BI Intelligence.<a href="http://www.businessinsider.com/intelligence/top-5-disruptive-trends-shaping-transportation-and-logistics?IR=T&amp;utm_source=businessinsider&amp;utm_medium=content_marketing&amp;utm_term=content_marketing_subscription_text_link_transportation-and-logistics-briefing-gms-first-self-driving-car-model-new-regulatory-guidelines-for-self-driving-cars-thermal-sensors-for-fully-driverless-vehicles-2017-9&amp;utm_content=content_marketing_subscription_text_link&amp;utm_campaign=content_marketing_subscription_link&amp;vertical=transportation">Get the free Top 5 Disruptive Trends Shaping Transportation &amp; Logistics report and start receiving our brand new Transportation &amp; Logistics newsletter.</a>Have feedback? We'd like to hear from you. Write me at: <a href="mailto:jcamhi@businessinsider.com">jcamhi@businessinsider.com</a> .LYFT REPORTEDLY TAKING FIRST STEP TOWARDS IPO: Lyft is close to hiring a financial services firm as an advisor for its initial public offering (IPO), the first step towards planning the company's move into the public markets, according to a Reuters <a href="https://www.cnbc.com/2017/09/28/lyft-close-to-selecting-ipo-advisor-sources.html">report</a>.It's still unknown when Lyft may actually IPO, but the report suggests that Lyft may be the first ride-hailing startup to do so. Uber's new CEO recently set a rough <a href="http://www.businessinsider.com/transportation-and-logistics-briefing-uber-ceo-eyes-ipo-before-2020-deliv-expands-same-day-delivery-service-toyota-partners-with-grab-2017-8">timeline</a> of 18-36 months for its IPO, but said the company must first cut its losses and put itself solidly on the path to profitability. Chinese ride-hailing firm Didi Chuxing had reportedly been <a href="https://www.reuters.com/article/us-didi-chuxing-ipo/chinese-ride-hailing-giant-didi-plans-u-s-ipo-in-2018-source-idUSKCN0Y708B">working</a> towards a 2018 IPO, but a company spokesperson <a href="https://www.fool.com/investing/2017/05/05/didi-chuxing-is-now-worth-50-billion.aspx">said</a> earlier this year that it currently has no IPO plans. If Lyft becomes the first ride-hailing company to IPO, its initial offering would serve as a referendum by the public markets on: <ul><li>The value of ride-hailing companies. Lyft's IPO will be the first chance for the public markets to value a ride-hailing company, which will reverberate across the on-demand mobility space. Uber and Lyft have most recently been valued at $69 billion and $7.5 billion, respectively. But those valuations have been called into question because both companies are still far from profitability. Lyft <a href="https://www.bloomberg.com/news/articles/2017-01-12/lyft-loses-600-million-in-2016-as-revenue-surges">posted</a> $600 million loss last year on revenue of $700 million, although its users and ride bookings have <a href="http://www.businessinsider.com/transportation-and-logistics-briefing-ubers-losses-narrow-despite-lyfts-gains-drone-delivery-service-launches-in-iceland-audi-qualcomm-invest-in-connected-car-startup-2017-8">grown</a> fast in 2017. The success or failure of Lyft's IPO will therefore have a major influence on how soon its competitors IPO as well.</li><li>The future of self-driving cars and autonomous mobility services. Investors will also be placing bets on the impact that self-driving cars combined with mobility services will have on the broader automotive industry. Eliminating the cost of paying drivers could make ride-hailing services a cheaper transportation option than owning a car for many consumers. A new study by UBS <a href="https://www.cnbc.com/2017/09/29/self-driving-taxis-like-uber-will-disrupt-public-transport-study.html">estimates</a> that driverless cars could cut the cost of on-demand rides by 80%. That drop in prices is widely expected to drive rapid adoption of autonomous ride-hailing services, which will account for 10% of all miles driven in the US in 2025, <a href="http://www.businessinsider.com/transportation-and-logistics-briefing-gm-nearly-ready-to-monetize-self-driving-cars-cloud-software-providers-automotive-opportunity-2017-9">according to</a> a recent Deutsche Bank analyst note.</li><li>Lyft's own self-driving car strategy. While Uber's self-driving car strategy relies mostly on in-house research and development, Lyft is taking an open approach of trying to work with as many partners as it can to get self-driving cars to market. Those partners include major automakers like Ford, GM, and Jaguar Land Rover, as well as tech companies developing self-driving systems like Waymo, nuTonomy, and Drive.ai. Working with so many partners should make it easier for Lyft to quickly scale its fleet of self-driving taxis once they hit the road, which could give it a significant edge over Uber in autonomous ride-hailing.</li></ul><div class="KonaFilter image-container display-table click-to-enlarge"><div><div class="image on-image"><a title_source="BI Intelligence" title_caption="" class="zoomin" href="https://static-ssl.businessinsider.com/image/59bc1e7038d20d2a008b6cc6-960/uber lyft rides updated logo.png"></a>BI Intelligence</div></div></div>ROAD IMPROVEMENTS NEED TO BE MADE FOR SELF-DRIVING CARS: Many US roads need to be drastically improved in order for self-driving cars to have the widespread impact that many are currently predicting, argues 3M Global Government Affairs Manager Dan Veoni in a recent <a href="http://thehill.com/opinion/technology/353034-self-driving-cars-are-coming-but-us-roads-arent-ready-for-the-change">op-ed</a> in The Hill. The op-ed is part of a mounting body of evidence that infrastructure around the world is currently ill-equipped to enable self-driving cars. Many decades-old roads, highways, and street signs in the US have declined to the point that self-driving cars' systems can't <a href="https://www.salon.com/2017/04/20/self-driving-cars-vs-crummy-american-roads-will-infrastructure-speed-bumps-slow-down-the-future-of-transportation/">read</a> their faded street markings or distorted street signs.States and localities aren't making the investments to solve this problem, and the federal government isn't stepping in. Only <a href="http://www.nlc.org/sites/default/files/2016-12/City%20of%20the%20Future%20FINAL%20WEB.pdf">6%</a> of the country's largest cities' transportation plans include any language on the potential effect of driverless cars on mobility. Meanwhile, the self-driving car <a href="http://www.safetyresearch.net/Library/Federal_Automated_Vehicles_Policy.pdf">guidelines</a> the Department of Transportation (DoT) recently released don't indicate that the federal government will provide any assistance to state and local governments to help them make these improvements. The guidelines leave issues around road maintenance and infrastructure related to self-driving cars in the hands of state governments. Legislation recently passed by the House would turn the guidelines into federal law, making it unlikely that states would receive any federal assistance in the coming years. Public-private partnerships could provide the necessary funding, but they won't spring up overnight. Veoni cites a project in Michigan that 3M and the state's DoT launched to revamp a stretch of Interstate-75 in order to test how self-driving cars would handle construction zones as an example. But these sorts of projects can be expensive and can take years to complete, meaning they will likely occur on a gradual, ad-hoc basis over the coming years. GRAB EXPANDS IN SOUTHEAST ASIA, INVESTS IN OTHER STARTUPS: Singapore-based ride-hailing startup Grab, which recently raised $2 billion in new funding, expanded its rivalry with Uber in Southeast Asia and invested in two other startups last week.<ul><li>Reports leaked out that Grab is <a href="https://techcrunch.com/2017/09/27/cambodia-uber-grab/">testing</a> its ride-hailing service in Phnom Penh, Cambodia's capital city, with plans for a commercial launch once the company receives government permission. This follows Uber's own commercial launch in the city, bringing the two ride-hailing companies' growing competition in Southeast Asia to a new market. Cambodia will be the eighth country in Southeast Asia that Grab operates in.</li><li>Additionally, Grab participated in the $15 million round of <a href="https://techcrunch.com/2017/09/28/self-griving-startup-drive-ai-to-open-singapore-office-with-new-grab-funding/">funding</a> closed last week by self-driving car startup Drive.ai. The two companies have not announced any official partnership around developing self-driving technology, but Drive.ai said it would use some of the funding to open a new office in Grab's home city of Singapore, which is already <a href="http://www.scmp.com/special-reports/business/topics/singapore/article/2106807/singapore-takes-wheel-self-driving-car">hub</a> for self-driving car tests. Grab, which has tested self-driving cars in the city with startup nuTonomy, will reportedly help Drive.ai form relationships with government officials and local transportation companies to test its own tech there. </li></ul><ul><li>Grab also reportedly <a href="https://techcrunch.com/2017/09/27/grab-obike/">participated</a> in a $45 million funding round in oBike, a Singapore-based bike-sharing startup that lets users reserve bicycles for urban transportation through its mobile app. oBike competes directly with Ofo, another bike-sharing startup backed by Chinese ride-hailing giant Didi Chuxing. Didi has integrated Ofo's bike-sharing service into its own app, providing a valuable alternative to car transportation for its users in Asia's highly congested urban metropolises. Grab may well look to do the same with oBike.</li></ul>All of these moves, as well as Grab's recent acquisition of payments startup Kudo, are aimed at helping Grab defend its position against Uber. There's no publicly available data on Grab's and Uber's market shares in Southeast Asia's burgeoning ride-hailing market, which is expected to <a href="https://techcrunch.com/2016/05/24/report-southeast-asias-internet-economy-to-grow-to-200b-by-2025/">grow</a> from $2.5 billion in 2015 to $13 billion by 2025. However, Grab, which facilitates about 2.5 million rides per day through its platform, has said it has about 70% of the market. Expanding its geographic footprint, adding alternative transportation options like bike-sharing, and investing in self-driving technology development are all parts of the company's multi-pronged effort to cement its position in the market as it starts to take off.In other news…<ul><li>UPS and SF Holdings, the parent company of logistics firm SF Express, have received approval from the Chinese Ministry of Commerce for their joint venture in the country, according to <a href="http://www.logisticsmgmt.com/article/ups_sf_holding_joint_venture_is_granted_regulatory_approval_from_chinas_min?mod=djemlogistics">Logistics Management</a>. The companies announced plans for the joint venture back in May, and will focus on providing delivery services for customers to ship goods from the country to the US and other foreign markets. The venture could help both firms carve out a larger share of the fragmented Chinese logistics market.</li><li>Hyundai will open a data center in China to help accelerate its progress towards offering more connected cars, according to <a href="https://internetofbusiness.com/hyundai-big-data-china-connected-car-drive/">The Internet of Business</a>. The new facility will store and analyze data that's collected from the company's connected cars. This facility is one of many data centers the company plans to open in the coming months around the globe to accelerate its push into connected electric vehicles.</li><li>Toyota, Mazda, and automotive supplier Desno are launching a new electric car venture, which Toyota will own 90% of, according to <a href="https://www.wsj.com/articles/toyota-motor-sets-up-new-electric-car-venture-with-mazda-denso-1506614898?mod=djemlogistics">The Wall Street Journal</a>. Known as EV Common Architecture Spirit Co., the venture is aiming to break down consumers' reluctance to purchase electric cars, which it stated "have yet to find widespread market acceptance."</li></ul><div id="categorypromo"><h2><a href="http://www.businessinsider.com/intelligence/top-5-disruptive-trends-shaping-transportation-and-logistics">Click here to receive a FREE download of The Top 5 Disruptive Trends Shaping Transportation and Logistics from BI Intelligence, Business Insider's premium research service.</a></h2></div>

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