WIPP @ WORK: Decrease Company Healthcare Costs With Self-Care

WIPP partnered with Pfizer Consumer Health Care to discuss the growing important of “self-care,” and ways business owners can decrease health costs for their companies. Nationally, employers lose a total of $165 billion in lost productivity costs due to employee health issues. Much of this, however, can be mitigated by encouraging employee wellness — which doesn’t have to be expensive. Gary Surmay, Director of North America Public Affairs at Pfizer, shares employee wellness tips for employers in the webinar Self Care: Empowering Employee Health & Wellness. Filled with clear and simple infographics, this webinar easily guides employees and employers to take control of their health and get back to work. 

Coupons on self-care medicines to get you started:

Santa’s Wish list for Eight Crazy Nights

By: Ann Sullivan, WIPP Chief Advocate

Being located in the Nation’s Capital and leading the advocacy team for WIPP, gives us the opportunity to wish for things uniquely Washington. So, in the spirit of the holidays, and maybe a little tongue in cheek, here’s our wish list for Santa with a nod to Hanukkah.

Santa, please bring us:

1. A Congress that knows how to make deals. This is also called bipartisanship but at the heart of the matter, it requires willingness to bend without compromising principles (or giving away the store). A lost art in Washington, straight party votes and initiatives lead to a “do-nothing” Congress. Perhaps the new President–elect, who wrote a book on deal-making, can assist.

2. More women in Congress. Building on the first wish, we know firsthand that women in Congress are inclined to be practical and open to working with the opposing party. The 114th Congress will start with a record 108 women. Santa, please get more women to run for public office.

3. Busting through the 5% women-owned small business goal for federal contracts. We know that record $$$ were awarded to women-owned firms in 2016, but there is so much work to do to ensure they have equal access to federal contracts. Santa, you may have to place some of your elves in federal agencies to make this happen.

4. Rethinking Red Tape. Federal contractors got hit with lots of new requirements, for example, the Executive Order called Fair Pay and Safe Workplaces. Although the contracting community pointed out many flaws in these Executive Orders, they were largely ignored. So, Santa, just get rid of these Executive Orders.

5. More WIPP accomplishments for 2017 than we had in 2016. Ok, we know this one’s on us. We have a pretty long list of 2016 accomplishments on the legislative and regulatory side but we want the sled to overflow. Because of our efforts, Health Reimbursement Accounts are an option for small employers, contracts through the WOSB procurement program increased to over $18 billion, there is a new Mentor-Protégé Program for WOSBs, and more!

6. The end of massive motorcades. This really is an inside Washington request, but the motorcades for the President and visiting dignitaries have now reached epic proportions and wait times have stretched to half an hour. Talk about impeding commerce. We could really use a little Santa ”stealth” when it comes to moving the president around the city.

7. A fresh look. We are in the final days of the 114th Congress and about to head into the 115th Congress. Out with the old and in with the new. Here’s hoping Congress hits the reset button to look at women’s business issues in a new way.

8. A stable federal budget cycle. Actions of Congress directly affect the behavior of the economy and the stock market. Congress has all the tools it needs to produce a budget and accompanying appropriations every year. These last budget minute shuffles and funding extensions damage the economy and really put small contractors in a tough place. We realize this is a really big ask. But our understanding is that Santa can work his magic anywhere.

WIPP’s advocacy throughout 2016 has yielded great results for women entrepreneurs, but our strong advocacy is never over. There is still much work to be done. Thank you for your support and happy holidays from the WIPP Policy Team!

2016: What Kind of Year it has Been

While there is little doubt that most Americans think our political system is broken, quite a bit was accomplished in Washington this year.

In February, two announcements by SBA marked the result of more than 15 years of WIPP’s advocacy. For the first time ever, the federal government met its goal of awarding 5% of all contracts to women-owned firms. The following day, the WOSB procurement program, which helped make reaching the goal a reality, was expanded from 83 to 113 industries. The government now contracts $18 billion a year with women-owned small businesses, largely due to this program we spent so many years building.

As the snow began to melt, focus turned to the final months of the Obama Presidency. The Administration moved swiftly to issue Executive Orders aligned with their priorities. New rules were finalized from the U.S. Department of Labor including Fair Pay Safe Workplaces, Overtime, and Paid Sick Leave (though all three are under litigation and are expected to be rescinded by President-elect Trump). The General Services Administration finalized the Transactional Data Rule which adds an unnecessary burdensome reporting requirement for GSA schedule contract holders.

Regulations can also help small business. SBA released its updated Limitations on Subcontracting rule, making it easier for WOSBs to follow subcontracting rules by encouraging additional work with other WOSBs. SBA also began accepting applications for the long-awaited all-small Mentor Protégé Program, that helps WOSBs team with a mentor business and pursue federal opportunities.

In the fall, we welcomed Jane Campbell as the new President of WIPP. Her longtime advocacy for women entrepreneurs, coupled with her experience as a business owner, as the first woman Mayor of Cleveland, and as Staff Director of the Senate Committee on Small Business and Entrepreneurship, allowed her to hit the ground running.

At the end of the year, Congress passed the National Defense Authorization Act (NDAA), a bill that include policies to help women small business owners by establishing a pilot program to allow subcontractors to seek past-performance credit and dedicates additional agency resources to assist small contractors. These are positive changes that will expand access to the federal market for women entrepreneurs.

Also passed as Congress comes to a close was the “21st Century Cures” legislation that addresses medical funding, cancer research, and changes the Food and Drug Administration (FDA) approval process. Inside the legislation is the reintroduction of Health Reimbursement Arrangements or HRAs, which offer business owners a tax-friendly way to subsidize employee medical costs, including insurance premiums. WIPP has long advocated for the return of HRAs because allowing employees to find their own individual insurance and reimbursing them was popular with small firms wishing to offer health benefits.

Finally, in 2016 our country elected the most diverse Congress, with more female senators than ever before. As departing Senate Minority Leader Harry Reid (D-NV) stated during his farewell speech, “the Senate is a better place because of the women being here.” We know women in Washington get more done.

As we look forward to 2017, WIPP and women entrepreneurs will continue to press for important policy changes with the Trump Administration and the new Congress. We count on your support to make that happen.

HRAs Back in Time for the New Year

Tucked deep within the 824-page “21st Century Cures” legislation passed this week, was a major victory for Women Impacting Public Policy and entrepreneurs nationwide. The bill, on its way to the President for his signature will allow for the return of Health Reimbursement Arrangements, or “HRAs”, a small business-friendly way to offer health benefits.

In short, HRAs offer business owners an easy and tax-friendly way to subsidize employee medical costs, including insurance premiums. For example, a business owner could offer $200 a month to employees toward their individual premiums instead of providing health insurance through a company plan.

In practice, employees shop for plans in the individual market, finding what best fits their needs and budget. The business reimburses employees for some or that entire premium. This was a popular method for small businesses for which company-wide insurance plans were prohibitively costly.

The Affordable Care Act, however, and its interpretation by the IRS created stiff penalties (up to $500,000) for businesses using this method to offer a health benefit. This legislation reverses that interpretation, making clear that such plans are acceptable, penalty free.

Employers can now offer up to $4,950 per employee per year ($10,000 for employees with dependents) and employees must show they used funds on medical purposes, including premiums. Companies must have 50 or fewer employees and must offer the benefit to all employees to be eligible.

WIPP has long advocated a fix to this unintended consequence and took the lead in pressing Health and Human Services Secretary Sylvia Burwell to provide temporary relief last year.

John Stanford, WIPP Government Relations

Janice Hamilton: WIPP National Partner of the Month – December 2016

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Janice Hamilton

Interview with Janice Hamilton, CEO and founder of CarrotNewYorkContinue reading

WIPP leadership at NASDAQ

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WIPP joined with the NYC Department of Small Business Services to ring the NASDAQ opening bell on Friday, in honor of Small Business Saturday.

WIPP leadership at NASDAQ

Martha Acosta’s Story from ChallengeHER in New Mexico

_dsc0125Interview with Martha Acosta, Instructional Designer, Learning Consultant, and Instructor about her business, experience, and take aways from ChallengeHER in Albuquerque, NM.

1. Tell us a little about your business and its mission.

Martha: I have had a business as a leadership and organizational learning consultant since 2007 and I have been in the training field for about 20 years in total. I am an instructional designer and I also instruct. I’ve been working on my own for several years now and I just started building my company and hiring people.

My freelance work started out with a contract for Cisco Systems, which then led to contracts with Intel and Harvard Business Publishing, where I work as a contractor and do a lot of leadership training for banks, and large multinationals like General Motors and Colgate through them.

My organization’s mission is to help improve learning within organizations and my academic specialty is in leadership and organizational learning. For Harvard I teach a full range of subjects from the MBA curriculum.

Within federal government my specialty is in the safety leadership area.

Before I started working on my own, I was a training manager at Los Alamos National Laboratory in New Mexico where I led a team that delivered safety training and responded to safety incident corrective actions. It is a passion of mine to help organizations deal with failure.

  1. How difficult was the move to self-employment and becoming an independent contractor?

Martha: It was quite tough, from the beginning I even regretted leaving (who leaves a government job, right?). But then I managed to score a contract in Silicon Valley which was a gift to my business. My day rate tripled since I started which would never have happened in regular employment. I learned to love the freedom and many income opportunities I can create for myself. But it also came with many lessons learned such as the need to manage my cash flow to cover for seasonal variation so I had to start thinking about my income differently.

  1. Have you always planned on doing business with the federal government?

Martha: I wanted to grow my business which was difficult to do due to my narrow specialty and freelancer status. People wanted to hire just me as an expert so it was difficult to start building a team around me to form a company.

I believe that the contract with the U.S. Forest Service which I just signed will give me the opportunity to work with more people on a larger scale.

  1. What shaped your decision to start pursuing Federal Contracts?

Martha: Since my work at Los Alamos I have been interested in high-reliability organizations, that do high-risk operations, such as the nuclear industry and firefighting. Through my work, I have learned that leadership and culture are very important for ensuring that high-reliability organizations are reliable. That’s why I would like to pursue more federal contracts because I think there is something I can offer in that area.

How has this shaped your business?

Martha: I really hope that government contracts will enable me to start hiring people. I’ve contracted freelancers before but that was on a short-term basis. So I see a lot of possible impacts of government contracts on my business.

  1. How do you think ChallengeHER and the Women Owned Small Business (WOSB) program help women-business owners in the process?

Martha: ChallengeHER is a great opportunity to learn about all available resources and people which are out there for free ready to help women get federal contracts. I had no idea! I also believe that we have such a great advantage with the WOSB and EDWOSB program which can offer tremendous opportunities. We just need to learn how to use it.

The ChallengeHER conference also helped open my eyes about all the opportunities within the WOSB program and SBA as a whole that can help me to pull in other people and go after contracts that I can’t do by myself. So I am excited about all the opportunities.

  1. Could you share the key takeaways you took from the ChallengeHER event?

Martha: There were many big eye-openers during the event. One of the key lessons was from Sally Walton’s (Procurement Center Representative, U.S. Small Business Administration) lesson – get to know your competitors. I haven’t realized before how valuable partnerships can be for getting bigger contracts and getting financing needed for hiring more people. I also learned the importance of building relationships with federal buyers, competitors, other big businesses in my field to find out different ways to partner with other organizations on contracts. So I will be putting in place a business and marketing plan to get to know my competitors.

Another big eye-opener was when we found out through talking to SBA that I could be in other programs than just WOSB, such as 8(a) and Disadvantaged Small Business. If you have all of these different certifications that makes you more eligible for set asides and contractors can get multiple credits. So one of the first things that my business manager will do is to get us certified in all these different programs. That was really helpful.

I also learned a lot by talking to Los Alamos and Sandia Laboratories and learnt more about what they might be interested in and I also got some key contacts, which is terrific.

They also mentioned the importance of monitoring the success of the contracts. My contract doesn’t have many milestones or targets so I should probably create those to make sure to have tangible results to demonstrate the success of the contract for future negotiations.

So overall it was an incredibly useful event for me.

  1. What contracts are you currently working on?

Martha: As mentioned above, I just got my first government contract this September with U.S. Forest Service. I got brought in because I am a subject matter expert in organizational learning and culture. They do reviews after fatality and safety incidents and they put a lot of effort to understanding why they happened. First they wanted me to help them with their learning review process. However, subsequently they found out that I could help them in the creation of their online learning efforts. So consequently my contract grew into a much larger one where I’m helping them roll out an online University possibly even into other stakeholders within USDA.

The reason why I got asked to do that initially is because in Los Alamos we had several incidents that shut the lab down when I was working there. My contact at the U.S. Forest Service knew that I was involved in these investigations and learning reviews before. So thanks to my contacts from Los Alamos I got in touch with the Director of Human Performance, Innovation and Organizational Learning within the U.S. Forest Service and they were looking for experts for their learning reviews.

  1. What would you recommend to other WOSBs doing business with federal government?

Martha: It’s also one thing I learned from the ChallengeHER – pretty much anything that you do, there is part of the government that is going to buy that. It’s really a matter of figuring out that niche.

Also use all the available resources and people that make their living out of offering free help, so use them!

WIPP National Partner of the Month – November 2016

laurie-artis-pictureLaurie S. Artis – President & CEO of Civility Management Solutions

1.Tell us a little about your company and its mission.

Civility Management Solutions (CMS) was established to not only employ individuals in professional services but to also mentor and train them in becoming better workforce partners.  In the Marine Corps, we are constantly mentoring to improve others and ourselves, and for those that receive it, it can increase their life personally and professionally.  We are working hard to develop both an east and west coast office, and to add the HUBZone certification to our certifications.  Also, as a Woman Veteran, of course, CMS is focused on supporting both civilian and military, nationally and abroad.  My life story has well prepared me to work with a diversity of individuals, doing a diversity of work for this country, and I am honored at the opportunity to once again serve the United States.

2. Have you always been an entrepreneur?

Yes, I have always been an entrepreneur as I sold candy as a child from my parents’ home; modeled professionally as a teenager in high school; (tried) medical billing and was scammed; marketed holistic products that I still use; and began an outdoor BootCamp exercise program.  So, yes, I have always been an entrepreneur.

What inspired you to take the leap?  

Being inspired by seeing another woman, much younger than myself own and operate a company with over 200 employees was truly some revelation … I can do this!  After working onsite in the government, and inside the corporate office, I really enjoyed the work.  I have thanked her several times since leaving her company, as I am grateful that I had an opportunity to gleam this world before taking the leap.

3. What is your biggest lesson learned from working with the Federal Government? 

You must be a people person!  If you’re not, then you are depending on others to do that for you; whereas, there is no better representation of your company than yourself and being 100% owned, this is important.  You must enjoy working with people and be willing to work with them to give both satisfaction and appreciation despite the obstacles that may come from them.  I love people, and that allows them to appreciate me and relationships are important.

4. Do you have any tips you would like to share with other women pursuing Federal Contracts? 

Put on your big ones (smile) … as this business is not for the faint of heart. It is truly a marathon, and you have to stay focused, stay involved, stay teachable, and get connected.

5. Have you encountered any challenges you had to overcome as a professional business woman and if so, what have you learned from them? 

Yes, I have encountered several challenges, but the worst was dropping my salary to minimum wage in order to stay employed by my company and not seek a job.  In reality, in order to become SBA certified as a WOSB or EDWOSB you should be working for your company full time “during normal business  hours.”  Upon submission of required documentation to Department of VA to become verified I learned then that they can prove this through your tax returns.  So, what I learned is that you need to operate in integrity at all levels in order to ensure success that can be maintained for years to come and stay out of trouble with the government.

6. Do you have a success story that you are particularly proud of? Tell us about it! 

I have responded to a Sources Sought and helped influence the set-aside, then responded to the solicitation and won the opportunity!

7. Tell us about your experience as a WIPP member.

Wow, fascinating, as it is great to be surrounded by women on a mission.  As a WIPP member I have learned so much from great teachers through WIPP webinars; I have been ‘sold out’ on the fight for women in business due to participating in congressional sessions alongside WIPP; and lastly, I truly enjoy being surrounded by women that are determined to make a difference for themselves and others.

What resources/value has WIPP provided that has been helpful to you and your company?

Webinar sessions, Congressional meetings, and testimonies.

Getting Women ONBOARD

By: Debbie Kobrin, WIPP Government Relations

WIPP has consistently advocated for increased female participation in venture funding. Last week, SBA confirmed WIPP’s conclusions with the release of Measuring the Representation of Women and Minorities in the SBIC Program – a groundbreaking study showing that women at small business investment companies (SBICs) play an important role in bridging the lending gap to women-owned firms.

The SBIC program is a multi-billion-dollar investment program that bridges the gap between entrepreneurs’ need for capital and traditional venture financing. SBICs match SBA guaranteed loans with their own funds and utilizes professional fund managers to identify and finance promising small businesses. With a current portfolio of $26 billion, the program has invested in some of our nation’s most iconic brands including Apple, Tesla, and FedEx.

Overall, the SBIC program has been successful, though it has failed to serve women and underrepresented individuals as well as it should. To better understand this challenge, SBA commissioned a report that found when women and underrepresented individuals are the investors, they are more likely to invest in firms like themselves.

The report also found greater gender diversity among SBIC investment teams than is present in the broader venture capital and private equity community. Nearly 12% of SBIC funds have women on their investment teams, compared to less than 8% in the private equity industries. While SBIC funds are reaching more women than private funds, it is still nowhere near enough.

As WIPP’s access to capital platform Breaking the Bank indicates, venture capital is still too elusive for women-owned firms. Venture capital is a classic “chicken and egg problem”, too few women serve on SBIC boards, which leads to the cyclic exclusion of women-owned firms from SBIC investments.

To increase the number of women and underrepresented individuals on SBIC and corporate boards SBA, LinkedIn, WIPP, and other partner organizations have created the Open Network for Board Diversity, or ONBOARD.

ONBOARD is an online platform that serves as an opportunity for women to be more involved in equity-based financing. By providing more opportunities for women to serve on corporate boards, we will increase opportunities for women-owned firms. To join ONBOARD, click here or by search “ONBOARD diversity” in the Linkedin search bar.

To learn more about ONBOARD please watch Give me 5: ONBOARD: Open Network for Board Diversity presented by SBA, and hosted by WIPP’s Chief Advocate, Ann Sullivan.

A Report Worth Reading

By John Stanford, WIPP Government Relations

Shortly after adding sole source authority to the WOSB program, WIPP’s Chief Advocate (and my boss, full disclosure) Ann Sullivan asked our policy team a simple question: what’s next?

Surely the much-needed improvements to the women’s procurement program we had spent the last fifteen years attaining were not the only steps needed to remove barriers women face in the federal market. The answer was straightforward, WIPP’s procurement portfolio would go onward, exploring more ways women entrepreneurs can bring innovation and value to the federal government.

The next question was not so simple. While anecdotes and intuition told us that the playing field was far from level, we lacked the data to point to the next set of systemic issues that limit access. “What are they and what can we do about them,” began a quest that reached a major milestone two weeks ago with the release of Do Not Enter, WIPP’s latest report about disparity in federal contracts.

The salient details are in the related one-pager with a full executive summary and findings in the formal report. I’ll refrain from re-digesting those documents here, but instead make a plea that you visit them. The key findings and recommendations will be the pillars of WIPP’s next push – ensuring that these mega-contracts are fair opportunities for women business owners.

Many people ask where an advocacy campaign truly begins; something that will ultimately lead to a new law or a change in regulations. At WIPP, it begins with our members. Tackling this issue would never have happened without women business owners communicating their struggles—far more than individual challenges, but instead ongoing concerns about disparities—to WIPP.

We listened. But compiling a few narratives from members will not move the needle in Washington. We needed data, analysis, and recommendations across regions and industries to garner the attention of policymakers. Enter this report. It is the launching point for a broad campaign to educate and change a contracting system that continues to leave women business owners at a disadvantage.

At WIPP’s Annual Leadership meeting earlier this month, we detailed the report to attendees and Congress. In follow up, a new WIPP member commented that she was thrilled WIPP would be taking on this issue. She described her feeling of helplessness as she lacked the voice to challenge her customer, but felt that she continued to have limited success because of the structure of her contracts. The barriers she faced could have come straight from the pages of this report.

While her story was compelling, new policies are not implemented because of individual experience. Simply put, Congress is little moved by lone stories of inequity. That is why, at WIPP, these kinds of efforts serve as a reminder that a team in Washington, backed by organizations and businesses across the country, stand shoulder to shoulder with you on these issues. Do Not Enter, and its ensuing efforts, should remind us all that no one is alone.

As the next chapter of WIPP’s advocacy for women business owners seeking access to the federal market begins, it does so not in the form of grand rhetoric or a press release, but spread out across dozens of pages of research and data confirming what we knew to be true: more work remains to be done to ensure women have a shot at the government’s largest contracts.

We hope you will join us in this fight.