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William F. Howard

  • Empire State exercise

    In 2009, the Civil Service Employees Association Employee Benefit Fund was at a crossroads. The benefit fund, which provides dental and vision benefits for more than 300,000 public employee union members and their dependents in New York State, was facing a double-digit spike in its health insurance costs and seemed resigned to renewing a policy with an insurer that was not meeting the needs of the fund's 60 employees.