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ECC

Excellence Through Education

February 22-24, 2015

Waldorf=Astoria New York City

Dedicated to Life, Accident & Health and Disability Claims

Dear Friends and Colleagues:

Welcome to the 2015 Eastern Claims Conference where we all join together for the 40th Annual conference. We are so glad that you are joining us in New York City.

As the Conference Chairperson and on the behalf of the entire committee, I would like to personally thank all of those involved in working so hard over the past year to make this year’s conference a success.

Our goal is to provide you with a positive and fulfilling learning experience. The 2015 agenda is designed to provide attendees with the tools, strategies, best practices and motivation to contribute to and lead positive change within their organizations.

This is your opportunity to learn from the leading insurance industry professionals and legal experts. Our speakers, representing the insurance industry, will present and discuss the latest topics from their area of expertise including: accidental death and dismemberment, life, medical, legal and fraud issues. They will share with you their strategies, experiences and research techniques.

These courses were designed to assist you in your personal growth as an insurance professional. This is an excellent opportunity for you to meet with other insurance professionals, increase your claims knowledge and sharpen your investigation skills. Most importantly, it is an opportunity to come together to reflect and share.

We are also pleased with our success in obtaining continuing education credits, as we have done in the past, with various associations and organizations.

The ECC would not be possible without our valued hospitality sponsors, exhibitors and Ad Journal sponsors. I would also like to express my gratitude to the ECC Board of Directors, Committee Chairpersons, and Committee Members and extend a special thank you to our speakers who volunteer their time and resources to share their knowledge, expertise and experience with us.

Lastly, and above all, we would like to thank you all for attending and for your loyalty. We look forward to your participation in this premier industry event and to welcoming you again in 2016!

Sincerely,

Jennifer Cobb, CFE, FCLS, ALHC, MBA Conference Chairperson, Eastern Claims Conference

2015 Eastern Claims Conference The Waldorf=Astoria Hotel

New York, New York ECC – 2015

SUNDAY, FEBRUARY 22, 2015

REGISTRATION 1:30 p.m. – 6:30 p.m. (North Foyer-‐18th Floor) HOSPITALITY RECEPTION 5:00 p.m. – 6:30 p.m. (Starlight Roof) MEET AND GREET (First time attendees) 4:00 p.m. – 5:00 p.m. (18th Floor)

Only Registered Attendees and Pre-‐registered Guests will be admitted to the Hospitality Receptions

MONDAY, FEBRUARY 23, 2015 REGISTRATION 7:30 a.m. – 3:30 p.m. EXHIBITORS’ RECEPTION 8:00 a.m. – 9:00 a.m. Palm Room A light breakfast buffet will be available Starlight Roof Pastries and coffee will be available. WELCOME ADDRESS 9:00 a.m. – 9:15 a.m. Starlight Roof Donna A. Conticchio, ALHC, HIA, ACS AIG Benefit Solutions, Neptune, NJ President, Eastern Claims Conference Board INTRODUCTION Christine Prutting AXIS Accident & Health, Princeton, NJ Chair, Program Committee KEYNOTE ADDRESS 9:15 a.m. – 9:45 a.m. Byron Darden, MovesMaster

Engage, Motivate And Inspire Engage, Motivate and Inspire…The 3 P’s of the Motivated Soul Kicking off the Eastern Claims Conference in 2015 will be an address by Byron Darden of MovesMaster. Byron is a trainer, facilitator and change agent for both front line employees as well as executive leaders leveraging his change management and organizational effectiveness skill sets. Be prepared to be “Engaged, Motivated and Inspired” as Byron raises the questions: How do you engage others to gain their interest? What motivates us to take action in our day-‐to-‐day lives? Where do I look for inspiration to stay the course? Our best intentions may set us in motion toward a particular outcome and yet, life happens when we are making plans. Therefore, planning with the understanding that change happens allows us to practice our flexibility and stay focused on the prize.

Come join us and learn how to: Gain the top tips to engage others, Discover the 3 Ps that are the paths to motivation and Explore tools that motivate and inspire others to act!

MONDAY, FEBRUARY 23, 2015 CONCURRENT SESSIONS 10:00 a.m. – 11:15 a.m. Panel 1. Manner of Death: How Experts Decide Joye M. Carter, MD, J and M Forensic Consultants, Indianapolis, IN Mark C. Stephenson, Esq., Blue Bell, PA Have you ever wondered how medical and legal experts make the determination of whether death was by suicide, homicide or accident? Dr. Carter will discuss actual case scenarios where the medical opinion was not easy to reach. She will discuss cases where evidence was compromised by the investigation, the body was in poor condition and when social and media pressure was heaped upon the hapless coroner trying to make a best judgment decision. Dr. Carter will also discuss how the examination, both physical and clinical is conducted when the question of suicide arises. Mr. Stephenson will discuss how the law determines when death is by suicide, homicide or accident, the role of foreseeability and intent, and the legal analysis that informs specific cases. Panel 2. The Future of Disability – Point & Counter-‐Point Robert Hess, Esq., Barger & Wolen, LPP, Los Angeles, CA Steve Allen, FLHC, FLMI, ACS, Trustmark Insurance Company, Worcester, MA Brian Landry, Claims Bureau USA, Burlington, MA Experienced counsel and claims personnel will explore and debate the pros and cons of various claim handling and investigation techniques, including challenges presented by evolving technology. The issues will be discussed in a Point/Counter-‐Point style, with audience participation encouraged. Panel 3. Peak Performance -‐ The Four Attributes of a Peak Performer Byron Darden, MovesMaster, New York, NY In this interactive session, the audience will participate in identifying the attributes of a peak performer. We will look at a conceptual model that will serve as a roadmap anyone can use to strengthen their performance at work with teams, at home with family as well as friends and provide insights on taking your performance to an exemplary level.

• Identify the skills and behavior associated with the highest level of professional performance • Learn about a conceptual model designed to develop and track high performing individuals • Distinguish the difference between power and force; how one influences and one undermines

performance Panel 4. Taming the New Frontier – New Compliance Obligations, Enforcement and Litigation Under The Affordable Care Act John T. Seybert, Esq., Sedgwick LLP, New York, NY Ernest N. Dixon, CPA/CFF Berkeley Research Group, Tampa, FL Christine A. Prutting, AXIS Accident & Health, Princeton, NJ

In the past two years, issues regarding the Affordable Care Act have been presented and decided by the U.S. Supreme Court. At least one more issue is on the horizon. The panel of speakers will provide you with the tools needed to survive in this new frontier of this controversial legislation and ever changing regulation. The panel will also help you spot the pitfalls and dangers of compliance obligations, potential litigation and enforcement risks. Panel 5. The Global Economy of Healthcare Fraud Rebecca S. Busch, RN, MBA, CCM, CBM, CPC, CHS-‐III, CFE, FIALCP, FHFMA, Medical Business Associates, Westmont, IL Samantha Busch, CFE, Medical Business Associates, Westmont, IL

Healthcare fraud is the biggest target of identity theft at both a national and international level. This session will present an international perspective on healthcare fraud, such as the improper use of ICD codes, deceptive practices, and how to prevent existing and evolving schemes. We will look at the new objectives and unique behaviors of the ethically challenged. Presentation Points:

1. ICD codes 2. What Drives Fraud 3. Types of Fraud at an International Level 4. Case Studies

MONDAY, FEBRUARY 23, 2015

EXHIBITORS’ RECEPTION 11:15 a.m. – 12:00 p.m. Starlight Roof & Palm Room LUNCH 12:00 p.m. – 1:00 p.m. Starlight Roof

MONDAY, FEBRUARY 23, 2015 CONCURRENT SESSIONS 1:15 p.m. – 2:30 p.m. Panel 6. Compelling Life Insurance Beneficiary Issues William Hittler, Esq., Nilan Johnson Lewis PA, Minneapolis, MN Peter Sailor, Esq., Reliance Standard Life, Philadelphia, PA Les Kertay, Ph.D., ABPP, Behavioral Medical Interventions, Edina, MN Brandie Morgenroth, Esq., Nilan Johnson Lewis PA, Minneapolis, MN Address the challenges facing life insurance administrators under ERISA and state law when confronted with competing claims by beneficiaries, including the existence of a valid waiver of the right to receive benefits, the "substantial compliance" rule, and the "Plan Document". In addition, the panel will discuss situations involving the validity and priority of beneficiary designations, disputes between competing beneficiaries, powers of attorney, changes in designation in divorce proceedings and designations procured by fraudulent means. Finally, the panel will explore the underlying dynamics of a beneficiary's perspective and the inherent conflict between psychological behaviors and the insurer's obligation to make the correct claim decision based on the policy's contract language.

Panel 7. What’s My Line? – RVU Analysis is Not a Guessing Game Ernest Patrick Smith, CPA, CVA, CFE, Nawrocki Smith LLP, Melville, NY John M. Spatola, CPA, ABV, CFF, CVA, CFE Nawrocki Smith, LLP, Melville, NY David Jackson, MA, CRC, Mass Mutual, Springfield, MA This session will take the mystery out of what an RVU is and why they are helpful in analyzing a physician's occupational duties. With real case examples we will show how to analyze and interpret the RVU data. We will explain how it provides crucial information needed to understand the physician's occupation as it relates to their policy. Panel 8. Building Effective Relationships – How We Benefit from Knowing About Others and Ourselves Byron Darden, MovesMaster, New York, NY Explore the key details about people with whom we communicate and engage with. This knowledge can make the difference between getting things done or left undone due to our unawareness. The art of building a relationship starts with how we listen, what we listen to and how we respond to what we hear. We will also engage in an activity designed to practice this invaluable art form. Panel 9. Life Case Law Update: The Next Dimension Adrienne C. Publicover, Esq., Wilson, Elser, Moskowitz, Edelman & Dicker LLP, San Francisco, CA Eric Myers, Esq., AIG American General, Houston, TX Learn about the most current cases and developments impacting life insurance claim administration in both the United States and Canada. Listen to experienced inside and outside counsel explain recent cases and trends in life insurance case law and litigation developments. Panel 10. Boosting Chiropractic Revenue Under the Guise of Medicine Dr. Tom Jones, D.C., C.E.S., CCRD, CSCS Independent Consultant, Toms River, NJ The ever-‐fascinating Dr. Jones will bring you up to date on questionable issues involved in multiple disciplinary clinics. We will also cover:

• Multiple billing codes for soft tissue injuries, when is it appropriate? • Interpreting medical-‐legal reports to support treatment and overall cost • Identifying excessive care and billing procedures compared to proper care

MONDAY, FEBRUARY 23, 2015 CONCURRENT SESSIONS 2:45 p.m. – 4:00 p.m. Panel 11. Investigating the Contestable Claim Valerie Loftin, JD, Munich Re, Atlanta, GA Iraida Labra, FLMI, ALHC, ARA, Munich Re, Atlanta, GA Amy Atkinson, Esq., Munich Re, Atlanta, GA An interactive and informative session on industry best practices in the investigation and resolution of contestable life insurance claims. Panel 12. What’s the Future for Social Security Disability Insurance? Steve Clayburn, FSA, MAAA, American Council of Life Insurers, Washington, DC Stan Kulesa, HIA, ALHC, ACS, CPDM, The Standard, White Plains, NY The media has provided a great amount of coverage concerning the solvency of the SSDI trust fund. They have also provided insight into a number of instances during which the SSDI program was defrauded. One example of this was the Wall Street Journal article, “Grand Theft Disability”, which spoke to the “rampant abuse”. Over the recent past, there have been many proposals and ideas circulated by special interest groups, politicians, bureaucrats and others, suggesting assorted changes to the SSDI program with the noble goal of ensuring its future. Our speakers will share information about some of the more prominent potential solutions being considered and their impact on our industry. Panel 13. Building Brand ME: Essential for 2015 and Beyond Mark Flamendorf, Crum & Forster, Morristown, NJ Kim McConnell, McConnell Leadership Group, Summit, NJ Your Brand ME says a lot about you – it’s how you show up in the world. Your Brand ME is what the world sees – it’s your personality, how you look, how you talk, your promises, your personal ambiance, your gifts. Your Brand ME needs to be authentic, valuable and memorable… after all, it’s your special mark. This interactive, engaging and fun session will help you magnify your Brand ME – a brand that is more important today than ever before. In our world of brand differentiation, what sets you apart? Who do you want to buy your Brand ME – is your current Brand ME a match? Brands build legacies – what is your brand legacy? Panel 14. A Chicken and Egg Problem with AD&D Claims? E. Ford Stephens, Esq., Christian & Barton LLP, Richmond, VA Gary Schuman, Esq., Combined Insurance Company of America, Glenview, IL Over the last few years, ECC presentations on accidental death and dismemberment have covered various scenarios and concepts. This year, our presenters – experienced in-‐house and outside lawyers – will focus on what can be a vexing interplay between preexisting conditions and accidents. When an insured has a preexisting condition at the time of an accident, what factors do courts consider in

determining whether the loss is compensable under AD&D coverage? What do exclusions for preexisting conditions add to the analysis? And how are medical treatment and prescription drug exclusions applied in such situations? Come ready to share your own claim experiences and join in what promises to be an interesting discussion. Panel 15. Auditing/Interpretation of Electronic Health Records (EHR) Rebecca S. Busch, RN, MBA, CCM, CBM, CPC, CHS-‐III, CFE, FIALCP, FHFMA, Medical Business Associates, Westmont, IL Samantha Busch, CFE, Medical Business Associates, Westmont, IL As the integration of EHR systems continues to evolve, so do the methods by which the ethically challenged continue to avoid detection. With every EHR system comes new and unique opportunities for fraud, waste, and abuse that must be properly managed by examiners. From identifying all the players, to cross referencing databases and developing crucial benchmarks, this session will cover the ins and outs of combating fraud in the newly digitized world of healthcare delivery. Presentation points:

1. The Basic Building Blocks of Deception 2. The Nuances of Auditing EHR 3. The Importance of “Real-‐Time” Data Capture 4. The Methodology for Detection

HOSPITALITY RECEPTION 5:00 p.m. – 6:30 p.m. Starlight Roof

Only Registered Attendees and Pre-‐registered Guests will be admitted to the Hospitality Receptions

TUESDAY, FEBRUARY 24, 2015 REGISTRATION 8:00 a.m. – 1:55 p.m. North Foyer – 18th Floor EXHIBITORS’ RECEPTION 8:00 a.m. – 9:00 a.m. Starlight Roof & Palm Room Pastries and coffee will be available

TUESDAY, FEBRUARY 24, 2015 CONCURRENT SESSIONS 9:00 a.m. – 10:15 a.m. Panel 16. Marijuana -‐ What is Impairment? Lynette Crow-‐Iverson, Conspire!, Colorado Springs, CO William D. Nelson, Esq., Lewis, Roca, Rothgerber, LLP, Colorado Springs, CO Marijuana use and Claims—the myriad of issues facing today’s employers including medical and recreational use of marijuana on-‐site and off-‐site, accommodation, zero-‐tolerance policies, the impact

on government contractors and grantees, the role and scope of testing and what constitutes impairment. Panel 17. Fast Lane Financials John Hoffman, CPA, CFF, CITF, Nawrocki Smith, LLP, Melville, NY John Spatola, CPA, ABV, CFF, CVA, CFE, Nawrocki Smith, LLP, Melville, NY Ernest Smith, CPA, CVA, CFE,CFF, ABV, Nawrocki Smith, LLP, Melville, NY Dimitris Bantileskas, CPA, Nawrocki Smith, LLP, Melville, NY John Castles, CPA, CFE, Nawrocki Smith, LLP, Melville, NY Earned Income is not always straightforward. Passive/Non-‐Passive Entities, Unusual Compensation Arrangements, Complex Business Structures, Activity Based Expense Analysis, CPT/RVU Analysis, Soft Expenses, Management Companies, Trends with Physicians. If any of these topics interest you, this is a must attend. A fast paced, succinct discussion by a panel of experts on topics that challenge everyone who manages disability claims. Panel 18. Online Investigations and Research Techniques and Strategies Karen Weintraub, MA, AHFI, CPC-‐P, CPMA, Healthcare Fraud Shield, Chesterfield, MO Demonstrated through real-‐time searches, this session will walk participants through various public websites and others providing a step-‐by-‐step tutorial. This session will include different site resources for different types of investigations and the best methods to elicit information from the web. Panel 19. ERISA Disability -‐ Hot Button Topic Sherril Colombo, Esq., Littler, Mendelson, P.C., Miami, FL Richard Lodi, Life Insurance Company of North America, Dan Srsic, Esq., Littler, Mendelson, P.C., Columbus, OH This panel will discuss issues on the minds of those in claims as well as legal counsel, such as:

• The Treating Physicians’ Opinions versus Peer Reviews • Subjective Symptom Claims and Pain Medication • Overpayments and Offsets • SSDI Award Determinations and their Impact on Disability Benefits • Cases where the courts are remanding the claim back to the Administrator

Panel 20. Pharmacy Fraud Update – From Entry to Exit Matthew H. Berls, MA, UnitedHealthcare, Iselin, NJ Alena Dietz, CPHT, UnitedHealthcare, Frederick, MD The “Pharmacy Fraud Update – From Entry to Exit” will analyze various fraud, waste and abuse components impacting pharmacy investigation and a health plan pharmacy network. Primary areas of focus will include, but not be limited to:

• Evolution of Pharmacy Fraud Investigations – A high-‐level overview on the progression of pharmacy fraud investigation, starting with overutilization of controlled substances to identified diversion of “high cost medication” to now an abuse of compounds.

• Prevention of Fraudulent, Wasteful and Abuse (FWA) Activities; PBM v. Health Plan Credentialing of Contracted Pharmacies Processes, Enhanced FWA) Credentialing Programs; High Risk Pharmacies, i.e. independent-‐retail pharmacies and HEAT Counties; Pharmacy Compliance Inspections & Background Searches.

TUESDAY, FEBRUARY 24, 2015 CONCURRENT SESSIONS 10:30 a.m. – 11:45 a.m. Panel 21. Group Life Claims Challenges William Woods, Esq., New York Robert P. Lesko, Esq., Wilson, Elser, Moskowitz, Edelman & Dicker LLP, Florham Park, NJ Group Life claims present layers of challenges to the claims professional. This session will focus on the plan provisions that present the greatest tests. Expert presenters will discuss No Loss/No Gain clauses, Eligibility issues, such as when a plan administrator does not properly manage the plan, the standard of proof for evidence of actively at work and adjudicating claims under Taft Hartley plans. Panel 22. Mind Over Matter? Lori Cohen, Ph.D., Independent Claim Consultants Network, LLP, Haydenville, MA Ann Marks, MD, New England Medical Consultants, Florence, MA Nearly one third of all primary health care visits and 80% of all health care dollars are devoted to "somatizing syndromes". Find out if this applies to your claimant. A treating/peer review physician and a consulting forensic psychologist explore signs, diagnoses and treatment options for these prevalent and complicated claims.

Panel 23. How Employee Engagement Impacts Work Productivity Lisa Stevens, The Guardian Life Insurance Company, Appleton, WI Jeff Smith, CDMS, CCM, The Standard, White Plains, NY It is well documented that employees who are engaged by their employer produce better quantitative and quantitative results. It’s not just classroom learning, it’s a shift in the corporate culture. We will share information about how employee engagement initiatives are developed, implemented, and monitored. The presentation portion of this session will lead to an open discussion among the attendees on the steps that they’ve taken or are considering to engage their employees.

Panel 24. Life Betting – A STOLI Update Edith Sanchez Shea, Esq., Burke, Williams & Sorensen, LLP, Los Angeles, CA This session will provide a review of the background of Stranger-‐Originated Life Insurance ("STOLI") and an update on the current state of the law.

Panel 25. Effective Data Mining Techniques – Can You Dig It? Karen Weintraub, MA, AHFI, CPC-‐P, CPMA, Healthcare Fraud Shield, Chesterfield, MO Attendees will learn to ‘dig’ into and ‘drill’ down on large amounts of data using Excel and Access. We will explore a variety of data mining techniques. Attendees will leave with the skills needed to comprehensively manage large data sets to easily identify the outliers. In addition, this session will cover tips and tricks to increase efficiency while utilizing the different data mining tools. We will apply what you learn and ‘construct’ a Case from start to finish demonstrating the use of these tools in action. Hard hats are optional.

TUESDAY, FEBRUARY 24, 2015 EXHIBITORS’ RECEPTION 11:45 a.m. – 12:30 p.m. Starlight Roof & Palm Room LUNCH 12:30 p.m. – 1:30 p.m. Starlight Roof LUNCHEON SPEAKER David W. Grannan, CFE UnitedHealthcare President, International Claim Association

TUESDAY, FEBRUARY 24, 2015 CONCURRENT SESSIONS 1:45 p.m. – 3:00 p.m. Panel 26. Beneficiary Location: The Hidden Cost of Unclaimed Property Legislation Paul MacCready, Keane, Overland Park, KS Johnny O’Mahony, John Hancock Life Insurance, Boston, MA Review the operational impacts of beneficiary search requirements. Learn the status of legislation and take industry best practices back to your company. Panel 27. Make My Day: Fighting Fraud in Life and Disability Insurance Claims Steven P. Del Mauro, Esq., McElroy, Deutsch, Mulvaney & Carpenter, LLP, Tinton Falls, NJ This panel was developed to train associates as a guide and to assist in issue spotting. It will demonstrate how to provide a thorough, complete and fair review of each claim and show you the steps to eliminate or greatly reduce the company’s liability and exposure to extra contractual liability/bad-faith. “Tee-up” the case – achieve rescission while substantially reducing attorney fees and costs. NO SURPRISES!

Panel 28. You Just Received 1000 Pages of Medical Records -‐ What’s Next? -‐ Medical Records Review Cathy Alberti, ALHC, FCLS Disability Management Services, Springfield, MA Jodi Newton, BS, RN, CCM, Disability Management Services, Springfield, MA Nick DeFilippis, Ph.D., Atlanta Psychological Associates, Atlanta, GA Whether you are new to the industry or an experienced professional, you all have faced the task of scaling a mountain of medical records. Where do you start? What is important? Do you have to read every page? Our panel of experts will guide you, helping you focus on the fundamental elements of a file review and mapping out strategies for both routine and complex claims. Panel 29. Case Study on Disability Fraud David Szuchman, JD, New York County District Attorney’s Office, New York, NY Despite the steps taken by the disability insurance industry to mitigate the effects of fraud, there are always examples where more could have been done. One recent newsworthy example of fraud affecting our industry involved a group of employees from the Long Island Railroad, some of their treating providers, and a range of other factors that led to serious problems. Panel 30. DME – The Part C/D Diabetic Testing Supply (DTS) Tango Matthew H. Berls, MA, UnitedHealthcare, Iselin, NJ Benjamin Wilbur, CFE, UnitedHealthcare, New York, NY Robert Battista, CFE, CIFI, FCLA, UnitedHealthcare, New York, NY The “DME – The Part C/D Diabetic Testing Supply (DTS) Tango” will analyze various fraud, waste and abuse components impacting pharmacy and medical investigations. Primary areas of focus will include, but not be limited to:

• Various violations as it relates to Diabetic Testing Supplies and other Durable Medical Equipment, i.e. Cold Calling Schemes, Aggressive Telemarketing, Duplication of DTS, Billing for Deceased Beneficiaries, Drop Shipping, False Claims, Sleeper Cells/Entities, Waiver of Copays, etc…

• Cross-‐over billing of DTS to a health plan’s pharmacy benefits, Establishment of Pharmacies to circumvent competitive bidding, Review of Pharmacy Network Agreement(s), Miles to Great, Member Interviews, Falsification of Records, etc.

Notes

• The attendee registration fee includes admission to the Hospitality Receptions. However, if you bring a guest (a colleague or spouse), a $200 fee is payable for your first Pre-‐registered Guest wishing to attend the receptions. The fee covers both receptions. A $150 fee is payable for each Additional Guest, per event.

• If you have special needs, please contact Arlene Walsh at 718 497 7886 or [email protected].

• Business dress is encouraged.

• There will be a $50 late fee added to registrations received after January 31, 2015.

• There will be no refunds for cancellations received after January 31, 2015.

THE FEDERAL TAX ID NUMBER FOR THE ECC IS 20-‐8483688

Attendee Registration Fees for 2015

2 days with lunch $625 2 days without lunch $500 1 day with lunch $425 1 day without lunch $350 First Pre-‐registered guest $200 Each additional guest (per event) $150 Late fee after January 31, 2015 $ 50

Waldorf = Astoria 301 Park Avenue

New York, NY 10022-‐6897 1 877 GROUP WA (1 877 476 8792)

Hotel Rates for 2015 (Use Hotel Code ECC)

Accommodations Single/Double Deluxe Queen $299 King Bed & Double/Double Superior Room $299 King Bed Luxury Room $359

• All Room rates are subject to state and local taxes, currently 14.75%, $2.00 Occupancy tax, and $1.50 Jacob Javits Center fee per room, per night.

• A credit card is required to make a reservation. • If you need to cancel your hotel room, please do so one day prior to

arrival to avoid cancellation fee. • Hotel Check-‐in time is 3 p.m.

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