Your Health Insurer Will Screw You

The Huffington Post
September 7, 2009
Peter J. Ognibene


Got health insurance? Think you're sitting pretty? Think again.

Health insurance companies fatten their bottom line not by helping people but by screwing them.

For-profit companies make money three ways:
First, they use medical underwriting, which is industry shorthand for finding ways to reject those applicants most likely to need care. Not only people with serious illness are denied insurance; so are individuals who may be 20 pounds overweight as well as those with acne or an old athletic injury.

Second, health insurers routinely weasel out of, or delay for months -- even years -- making payments for valid medical and hospital claims.

Third, they look for plausible reasons to reverse payments they have already made on your behalf. These reversals can occur one or more years after you thought your bill had been paid. And when a physician or hospital has to refund a payment, guess who gets the bill. You.
And it doesn't stop there. Investigative units routinely look at individuals who have been seriously ill to see if there's anything in their medical or prescription history they can use as a pretext to terminate their insurance. The industry term is "rescission."

Many large organizations -- municipal agencies, major corporations and labor unions -- have the negotiating power to eliminate exclusions of so-called pre-existing conditions from their employees' health insurance policies.

Small companies often do not. Worse still, individuals who lack the negotiating leverage that organizations exercise on behalf of their members wind up paying the highest rates for coverage and then are left to hope they won't get trapped by one of their policy's many exclusions or loopholes. When such individuals have the audacity to incur a major illness, you can bet the companies will look for ways to screw them -- with delays, payment reversals or outright rescission of their insurance.

Many who work for health insurers quickly learn that the surest way to get ahead is to screw as many policyholders as they can.

Recent documents obtained by the House Committee on Energy and Commerce indicated, for example, that Blue Cross of California awarded a perfect evaluation score to an employee whose efforts to rescind the insurance of thousands of policyholders saved the company nearly $10 million that would otherwise have paid their doctor and hospital bills.

This is no isolated case. If you get cancer or need expensive surgery, your insurance company is likely to investigate every medical claim ever filed on your behalf, the prescriptions you have taken at various points in your life and any lifestyle elements that might give them a pretext to reverse a payment or rescind your insurance.

In recent testimony before the same House committee, Karen Pollitz, Research Professor at Georgetown University Health Policy Institute, pointed out:

Representatives of the insurance industry have testified that rescission is rare and occurs in less than one percent of policies. Even if this estimate is accurate, it is not necessarily comforting. One percent of the population accounts for one-quarter of all medical bills. The sickest individuals may be small in number, but they are the most vulnerable and most in need of coverage.

Most individuals who have a job get health insurance through their employer. Yet, employer-based health insurance makes no sense in the modern world. It is an artifact of World War II when companies were desperate to attract and hire workers but were bound by federal wage and price controls from writing higher paychecks. So, companies competed for workers in other ways, including health insurance.

Two years ago, the Congressional Research Service issued a report, "U.S. Health Care Spending: Comparison with Other OECD Countries," which found:

The United States spends more money on health care than any other country in the Organization for Economic Cooperation and Development (OECD). The OECD consists of 30 democracies, most of which are considered the most economically advanced countries in the world. According to OECD data, the United States spent $6,102 per capita on health care in 2004 -- more than double the OECD average and 19.9% more than Luxembourg, the second-highest spending country. In 2004, 15.3% of the U.S. economy was devoted to health care, compared with 8.9% in the average OECD country and 11.6% in second-placed Switzerland. In assessing what drives the difference between U.S. health care spending and the rest of the world, some leading health economists responded this way: "It's the prices, stupid." Put more formally, a report from the OECD declared that "there is no doubt that U.S. prices for medical care commodities and services are significantly higher than in other countries and serve as a key determinant of higher overall spending."

Though Americans are paying ever higher premiums, they are not getting better health care for their dollar. Current projections suggest that the average annual cost for employer-sponsored health insurance for a family of four will rise from $13,000 to nearly $25,000 by 2018.

Appearing recently on Morning Joe, Rep. Anthony Weiner (D, NY), a leading advocate in the House for publicly financed health care, made these observations:

I have heard people say, repeatedly, 'well, if the public option is too muscular, the insurance companies won't be able to compete.' Well, if they can't compete, then they're not gonna get customers. They're not gonna get patients coming to them. Isn't that what we want? To give people that choice?


The problem that we have here is we're trying to jerry-rig this system so that insurance companies still continue to make healthy profits. Why? [They] don't do a single checkup; they don't do a single exam; they don't perform an operation.

Medicare has a four-percent overhead rate. The insurance companies take about $230 billion out of the system every year in profits and overhead. The real question is: why we have a private plan?

These costs drive up the insurance premiums of everyone with private health insurance. With universal health care, these costs will disappear. Even the insurance industry knows that.
In recent testimony before the House Committee on Energy and Commerce about the rescission of individual health insurance policies, Don Hamm, the president of Assurant Health, admitted: "If a system can be created where coverage is available to everyone and all Americans are required to participate - the process we are addressing today -- rescission -- becomes unnecessary because risk is shared among all."

Proton, Electric Car, May Be Here Next Year?

From the AP:  Electric Cars

KUALA LUMPUR, March 30, 2009:

 Detroit Electric Holdings Ltd and PROTON Holdings Berhad today announced a strategic partnership to mass produce Pure Electric Vehicles.  Detroit Electric will integrate its patented electric drive systems into the vehicles.

 

Under the agreement, Detroit Electric will license two Proton vehicle platforms and contract the company to assemble the electric vehicles that will be marketed under Detroit Electric’s brand.

 

This agreement will provide Detroit Electric with its first manufacturing base.  The announcement came at a signing ceremony officiated by Malaysian Prime Minister Datuk Seri Abdullah Ahmad Badawi.

 

“Today’s agreement with Proton will put Detroit Electric on the fast track to bring a full line of innovative, practical and affordable pure electric vehicles to the global market,” said Albert Lam, Detroit Electric’s Chairman and Chief Executive Officer.  “We chose Proton due to its state-of-the-art production facility, commitment to research and development, cost efficiency, and stable, high-quality workforce.”

 

By 2012, Detroit Electric plans to sell more than 270,000 Pure Electric Vehicles in Europe, UK, China and the United States.  The vehicles will be priced between USD 23,000 and USD 26,000 for the city range model and between USD 28,000 and USD 33,000 for the extended range model.  Styling changes will distinguish Detroit Electric’s vehicles from Proton’s existing line-up.

 

The vehicles will be based on Detroit Electric’s unique, patented electric drive system that greatly reduces the electric motor’s size and weight.  The underlying Magnetic Flux Motor Technology and well-proven Lithium Polymer Battery Technology allow pure electric vehicles to achieve a single-charge range of 180km (111 miles) for the city range model and 325km (200 miles) for the extended range model.  

 

Detroit Electric is in the final stage of setting up two subsidiaries: Detroit Electric Energy, which will produce the battery technology, and Detroit Electric Advanced Propulsion Lab, which will manufacture the motor and controller.

 

The Detroit Electric Advanced Propulsion Lab and Manufacturing Plant is targeted to be in Malaysia close to the vehicle assembly facilities of Proton.  By 2012, the two production plants will produce more than 400,000 electric drive systems, creating thousands of jobs and supporting Detroit Electric’s  internal demands as well as third-party OEM’s needs.

 

Proton, which currently produces a total of 270,000 vehicles of various models in Malaysia, edged out a host of international brands when its popular Persona was named Malaysia’s Best Model of the Year in the 2008 Frost & Sullivan ASEAN Automotive Awards.  The company is also Malaysia’s largest investor in research and development, spending USD 1.2 billion (RM4.6 billion) between 1993 and 2003.

 

“We are proud to be able to integrate our electric drive systems upon one of the best cars out of Asia.  Our customers around the world will enjoy the level of quality and comfort offered by Proton, an award-winning manufacturer,” said Lam. 

 

Detroit Electric will be responsible for the homologation of the vehicles and for vehicle certification in the U.S. and European markets, where models are targeted to be sold in the first quarter of 2010 EU, UK, China and closely followed the US.  Detroit Electric will assume all warranty and liabilities for the Electric Vehicles, while Proton will warranty the vehicle’s build and standard components.

 

“Our vehicles will be reliable, meet all quality and safety requirements, and quite simply outperform internal combustion engine vehicles of the same class.  They will be affordable as we look at the competitive market and come without the polluting carbon emissions,” said Lam.

 

Today’s agreement also initiates the test and validation program in which Proton will evaluate Detroit Electric’s electric drive system with the intent to license the rights to distribute, market and sell vehicles under the Proton brand in Asia.

 

Detroit Electric is looking to repeat similar contract production partnerships with manufacturers in Europe and the United States.  This will allow the company to extend its range of models very quickly to meet demand in the different automotive segments in these markets.

 

“When you are trying to redefine the automotive industry, you need to bring many partners along,” said Lam.  “Our contract manufacturing business model will breathe new life into current manufacturers, leveraging existing unutilized global resources and accelerating the technological advancement of pure electric vehicles.”

 

On the current global downturn in automotive markets, Lam expressed confidence that Pure Electric Vehicles will attract a diverse base of consumers despite the tightening credit market, lowered consumer confidence, unstable oil prices and stricter fuel economy regulations.

 

“Our target audience are those who purchase practical and affordable vehicles. This makes our products fit the pockets of a very wide audience – from professionals and executives, to mothers, students and small business owners.”

 

-End-

 

About Detroit Electric: 

Detroit Electric Holdings Ltd is one of the leaders of the electric car revolution. We manufacture efficient and environmentally friendly, high performance, long range Pure Electric Vehicles and drive-systems to the global marketplace. Detroit Electric's product plans range from high performance sports cars to stylish sedans capable of driving over 320 km / 200 miles in a single charge.

 

Detroit Electric Holdings Ltd invented and patented the Magnetic Flux Motor Technology for the motor drive train. The company also owns the intellectual property for the Motor Controller Program.  Since its launch, Detroit Electric has been dedicated to developing new technologies and establishing strategic partnerships that leverage existing manufacturing capacities in the marketplace.

 

About Proton:

PROTON, established in 1983, is Malaysia's largest manufacturer of automobiles. With operations in key market centers from UK and Western Europe to the Middle East, and across South-East Asia and Australasia, PROTON produces cars to suit a range of consumer demands and preferences. The offerings include versatile and reliable four-door family vehicles, two-door hatchbacks for the young-at-heart, luxurious and stylish executive sedans, as well as the world-renowned sports cars from Lotus.

 

PROTON’s inception as a key driver of national development has seen the brand accelerate its learning curve through technology transfer with strategic partnerships and technical collaborations. PROTON cars are now steadily on track to achieving the mission for the future, gearing up to achieve the promise of a marque which build cars with passion and soul; cars which are a delight to drive and a pleasure to own.

IS THE CASE AGAINST ROD BLAGOJEVICH A STRONG CASE?

IS THE CASE AGAINST ROD BLAGOJEVICH A STRONG CASE?

 

 

            On December 9^th, 2008, Chicago U.S. Attorney Patrick J. Fitzgerald filed a criminal complaint and held a press conference and announced the arrest of the Illinois governor Rod Blagojevich, in pertinent part, because Blagojevich was alleged to have offered to sell Barack Obama’s vacated senate seat in return for personal favors and/or for cash.  This was despite the fact the 78 page complaint makes no suggestion that the governor had received nothing of value and has not made the appointment of the Senate seat.  (http://www.chicagotribune.com/media/acrobat/2008-12/43789434.pdf)

 

            The reaction to this press conference has been swift and persuasive.  Morning, noon and night round the clock television and newspaper coverage are in effect.  To say that the You Tube Video of the Fitzgerald news conference has gone viral is an understatement.  Steven Thomma in the McClatchy papers that a new Ipsos/McClatchy online poll has found:

 

• 95% of adults in Illinois that that Blagojevich should step down;
• 92% of adults in that state think he should be impeached and removed from office;
• The Illinois House of Representatives voted unanimously this week to create a committee to impeach him;
• 44% feel the state should have a special election
• 35% said the power to appoint a successor should be transferred to Lt. Governor Pat Quinn
• He is the 4^th Governor from Illinois to be charged with a felony since 1960

 

But trial attorneys are now beginning to suggest that the portion of the case involving the sale of the open Senate seat may not be the slam dunk that the media thinks it is.  As the conversation goes, that portion of the Blagojevich case maybe sexy, but also may be very defensible.  In other words, there is a possibility that at least on those allegations, he could be acquitted.  He hired a tough cookie, Edward Gensen, who represented R. Kelley, and former governor of Illinois George Ryan.  He said, “He’s not guilty, so we’re going to court.  We’re not agreeing to impeachment.  If you read the transcripts closely, you’ll find nobody did anything.  People are just talking, and that’s not against the law…Bad language doesn’t make you a criminal.” He has called the case a ‘fairy tale’ and the process (impeachment proceedings) ‘a witch hunt.’ (See Countdown Video, Blagojevich lawyer calls case a witch hunt, http://www.youtube.com/watch?v=QScevDxyXuY). 

 

Bulldog Gensen is not the only lawyer who has expressed reservations in the Government’s case.  The difference between criminal activity and the normal course of political deal making is apparently a very thin line.  Does just talking about selling a political office for personal favors, like a bribe, constitute in and of itself a crime?  Does the argument that contributions to one’s campaign fund (a derivative public benefit?) in return for support in an election (another so called public benefit) sound very much like the play for pay scandal (private benefit derived from a public office) that Blago is charged with? The former is a commonly accepted practice, but the latter could be construed as attempted bribery, a crime that does not have great sex appeal in the minds of Chicago juries.  (See Scott Turow Video, Rachel Maddow Video Making the Case, http://www.youtube.com/watch?v=tnwYRnEEKHc).  Turow, an experienced prosecutor and writer said, “Juries regard it (attempted bribery) as a crime that takes place in the head, bad thoughts, not actual conduct.”  In other word, the thinking of a crime only falls within a grey area in politics and although prosecutable, these thoughts do not necessarily lead to a conviction.

 

Other attorneys have expressed reservations as well.  Robert S. Bennett, one of Washington’s best-known white-collar criminal defense lawyers said, ““This town is full of people who call themselves ambassadors, and all they did was pay $200,000 or $300,000 to the Republican or Democratic Party… “You have to wonder, How much of this guy’s problem was his language, rather than what he really did?”  The NY Time last week said, “In the case of Mr. Blagojevich, it would be legal for the governor to accept a campaign contribution from someone he appointed to the Senate seat. What would create legal problems for him is if he was tape-recorded specifically offering a seat in exchange for the contribution. What would make the case even easier to prosecute is if he was recorded offering the seat in exchange for a personal favor, like cash, a job or a job for a family member.”  In this case, the disclosed wiretaps so far seem to show a Blagojevich that was willing to discuss trading a Senate seat for personal favors to his aids, but not with anyone else.  So the question remains, is talk enough to convict him on the pay to play for the Senate seat count?

 

“It’s a very difficult case for a number of reasons; not the least is the nebulous nature of the charges and the inherently difficult issues when you’re talking about a person executing his First Amendment right to promote a particular politician,” said Michael D. Monico, a former federal prosecutor who is now a criminal defense lawyer in Chicago.

 

“Merely thinking about something is not a crime,” said Mr. Monico, a lawyer for Christopher Kelly, a former Blagojevich fund-raiser who was indicted last year on tax charges “Just talking about something is not a crime. You need another action for someone to commit a crime.”

 

In an article written by Mike Robinson for the AP, Chicago Defense attorney John Beal said, “"The weakness in the government's case seems to be that Blagojevich schemed to do things but didn't actually do them."

 

Robinson’s piece goes on to say, “Chicago defense attorney Ron Safer, a former federal prosecutor, said that the kind of overt act needed to win a conspiracy case should be something specific.

 

"Politicians often rub each other's back -- I'll vote for your bill if you vote for mine is as old as our union -- so that's unremarkable," he said. He said that if the case goes to trial prosecutors will focus hard on any specific attempts by the governor to trade the Senate seat or other favors for cash or jobs.

 

New York attorney Martin R. Pollner noted that prosecutors must show "overt acts" to prove a conspiracy and such acts had to be more than talks with advisers.

 

To me this is an important point on this count of what appears to be a public official conspiring to bribe another public official in return for personal favors. 

 

      The essential elements for a federal conspiracy are spelled out in §371 of the federal criminal code, and may be illustrative here.  They are: (1) an agreement (2) between two or more persons (3) to act together in committing an offense, and (4) an overt act in furtherance of that agreement.

 

The term "overt act" means some type of outward, objective action performed by one of the parties to or one of the members of the agreement or conspiracy which evidences that agreement.  The notes included with the form federal jury instruction state, an overt act is “any step that indicates that the execution of the conspiracy has begun. This can be an innocuous act and need not be illegal unto itself. For example, if two persons agree to rob a bank, then purchase a ski mask, the act of buying the mask may constitute the overt act required to charge the two with conspiracy.

 

The overt act must follow the agreement and must be executed with an intent to carry out the purpose of the conspiracy. For example, if one of the potential bank robbers buys a ski mask after the agreement is made, the purchase may not constitute the overt act if the ski mask will not be worn to carry out the ROBBERY. An overt act need not be committed by each and every conspirator; an overt act by one conspirator solidifies the offense for all coconspirators. Thus, a conspirator who does not participate in the overt act can be charged with conspiracy.”

 

In other words, the defense attorneys are right, just talking about doing something without taking any further steps to do an illegal thing may not constitute a crime.  Does Fitzgerald have a smoking gun on those tapes, or have we already heard and read his best shot?  His investigation is ongoing, so we shall see what develops.  It is of some importance that Blagojevich has been under federal investigation for years.  The NY Times reports that he has had ongoing battles with Mayor Richard M. Daley of Chicago; he irked Michael Madigan, the powerful Democratic state speaker, over the budget; and he infuriated just about every legislator by staying put in Chicago (rather than moving his family to the Governor’s Mansion in Springfield). His penchant for promoting his headline-grabbing proposals — like those for universal preschool and cheaper drugs from Canada — on television, rather than in the quieter halls of Springfield, also won him no friends.

 

“Rod reveled in fighting with members of the General Assembly,” said Representative Tom Cross, the state Republican leader. “He came out of the box fighting: He was the populist, and we were the big, bad General Assembly. He didn’t seem interested in policy, the budget was in disarray, and he was never there.”

 

His approval ratings that had sunk to 13 percent as details of the federal investigation into his administration had seeped out over the past three years.  At Christmastime in 2004, a nasty spat cropped up between Mr. Blagojevich and his political benefactor and father-in-law, Richard Mell, a ward chief on the northwest side of Chicago, whose political connections helped to put Blago in office, the fallout stretching well beyond the family, offering some of the clearest public hints of Mr. Blagojevich’s coming troubles. In response, Blagojevich shut down a landfill operated by a relative of Mr. Mell, saying it was taking types of waste it was not licensed to accept. Mr. Mell accused Mr. Blagojevich of shutting the facility as a personal vendetta against him, and then accused his top fund-raiser of trading appointments to state commissions and boards for campaign donations, just the image Mr. Blagojevich had been trying to avoid.  This lead to extensive investigations of Blago’s political activities and legal fees to the firm of Winston and Strawn in amounts alleged to have been paid in excess of $1 million dollars with an additional $750,000.00 still due and owing.  Other politicians avoided public appearances with him and Blago seemed to spend all of his time answering questions about political corruption allegations even before this criminal complaint was filed.

 

Lisa Madigan, the daughter of his enemy Mike Madigan, and Attorney General of the State of Illinois, filed a case with the Supreme Court of Illinois requesting that Blago be dismissed on the basis of incapacity.  She also happens to be considered by many to be his chief rival for the Governor’s seat.  That case was dismissed this week by the Illinois Supreme Court.

 

Governor Blagojevich campaigned on the basis of political ethics and reform.  He is sinking on a leaky boat of corruption and allegations of pay to play politics.  The real question is this:  Is he just a talker and a politically disliked man, who in this instance has taken no steps toward the completion of an illegal plan or is has he been caught on tape, red handed?

 

New Political Blog From James Myers, The Entertainment Critic, New Shoes For Geroge Bush

New Shoes for George Bush

A Political Blog

By James Myers

The Entertainment Critic

 

 

 

            With only 37 days left in his Presidency, must of us just wish George W., would just go away.  Apparently, this includes not only Americans who have tolerated his incompetence for the last 8 years, but also some Iraqis as well.  President Bush is currently on a secret world wind tour that includes Iraq. An unusual incident happened today at the Bagram Air Force Base in Afghanistan today. As Americans we have treated his attempts at revisionist history as laughable.  His approval rating hitting an all time low of 30%, ‘W” has dedicated the final portion of his administration as an attempt to avoid being labeled as the worst President in American history.  While Bush was hailing his presidency and the progress in Iraq, one of the journalists at the new conference let him know that his occupation in Iraq was less than welcome.

 

            A protester identified as Muntader al-Zeidi, a correspondent for Al-Baghdadia television, owned by Iraq and based in Cairo, shouted at Bush in Arabic, “"This is your farewell kiss, you dog! This is from the widows, the orphans and those who were killed in Iraq."  At the same time, he was throwing his size 10 shoes at Bush, whistling one past his left ear and the second just over his head.  Iraq has not welcomed the continuing occupation of 150,000 U.S. troops, where over 4200 Americans have died, coupled with an economic loss of $576 billion dollars in the 5 years and 9 months of the war.  These figures do not include the numbers of the wounded, injured and mentally compromised Americans.  The true figure of the intangibly injured may not be known for years to come.

 

            What this incident does call attention to is the loss suffered by the Iraqi people as well.  Approximately 99,000 Iraqi civilians have died in the war according to http://www.iraqbodycount.org/.  Most recently on Saturday, December 13, 2008, 13 more Iraqi civilians died.  Small wonder that the reporter was insulted by Mr. Bush’s attempts to sanitize his utter failure and criminal negligence while making statements like, "The war is not over, but it is decisively on it's way to being won."  NBC news reports that al-Zeidi has lost family in the war and has himself been kidnapped.

            Polls have shown that most Americans believe the U.S. was wrong to invade Iraq in 2003.  Most Americans believe that Bush misled the American people to believe Saddam Hussein possessed weapons of mass destruction, when in fact his administration knew no such weapons exists prior to the invasion, the weapons were never found after the invasion, and Bush’s credibility was forever lost as far as America was concerned.  Apparently, he hasn’t faired any better with Iraqis.  Making a statement, “There is still more work to be done,” triggered the incident as the shoes came flying, one after the other at Bush from a distance of 20 feet.   (See Video at http://www.youtube.com/watch?v=dRyQpMpcujk).  He said in a recent interview with ABC News that the biggest regret of his presidency was the false intelligence that Iraq had weapons of mass destruction.

            Jennifer Loven of the AP explained it this way, “In Iraqi culture, throwing shoes at someone is a sign of contempt. Iraqis whacked a statue of Saddam with their shoes after U.S. marines toppled it to the ground following the 2003 invasion.” Recently, A detailed official history of the U.S. effort to reconstruct Iraq after Saddam Hussein's overthrow in 2003 blamed its failings on "blinkered and disjointed" prewar planning, a deadly insurgency and wasteful and ill-managed contracting.  (http://www.msnbc.msn.com/id/28224454/, “Iraq rebuilding woes due to poor planning”)

           

“The study, "Hard Lessons: The Iraq Reconstruction Experience,” was produced by a special U.S. auditing group that has dug deeply into the multibillion-dollar reconstruction effort since 2004. It is a detailed summation of the findings from many previous audits and reviews by the Office of the Special Inspector General for Iraq Reconstruction, led by Stuart Bowen.

Among its central conclusions is that Washington was unprepared and ill-equipped to reconstruct Iraq in the aftermath of an invasion that led to an insurgency, a collapse of government and an economy that "switched off." The document also suggests that this arose from an ill-fitting U.S. national security structure, which it said could produce an equally ineffective reconstruction effort in future conflicts.”

Bush responded with his typical aplomb.  “So what if a guy throw his shoe at me?”  After an election where the Republicans suffered a crushing defeat at the hands of Barack Obama, the candidate who promised to withdraw all U.S. troops from Iraq in a little over a year, this type of arrogance and ignorance is what we have come to expect from ‘W.’  No wonder your disapproval rating is over 65% Mr. President.  January 20^th can not come soon enough.

 

NYTIMES: IT'S BIDEN

August 24, 2008
Obama Chooses Biden as Running Mate
By ADAM NAGOURNEY and JEFF ZELENY

WASHINGTON — Senator Barack Obama has chosen Senator Joseph R. Biden Jr. of Delaware to be his running-mate, turning to a leading authority on foreign policy and a longtime Washington hand to fill out the Democratic ticket, people told of the decision said.

Mr. Obama’s selection ended a two-month search that was conducted almost entirely in secret. It reflected a critical strategic choice by Mr. Obama: To go with a running-mate who could reassure voters about gaps in his resume, rather than to pick someone who could deliver a state or reinforce Mr. Obama’s message of change.

Mr. Biden is the chairman of the Senate Foreign Relations Committee, and is familiar with foreign leaders and diplomats around the world. Although he initially voted to authorize the war in Iraq — Mr. Obama opposed it from the start — Mr. Biden became a persistent critic of President Bush’s policies in Iraq.

The selection was disclosed as Mr. Obama moves into a critical part of his campaign, preparing for the party’s four-day convention in Denver starting on Monday. Mr. Obama’s aides viewed the introduction of his vice presidential choice– including an afternoon rally Saturday at the old State Capitol in Springfield, Ill., the same place where Mr. Obama announced his candidacy on a freezing winter morning almost two years ago, and a tour of swing states – as the beginning of a week-long stretch in which Mr. Obama hopes to dominate the stage and position himself for the fall campaign.

Word of Mr. Obama’s decision leaked out hours before his campaign was scheduled to inform supporters via text and e-mail messages, and hours after informing two other top contenders for the vice presidential nomination – Senator Evan Bayh of Indiana and Gov. Tim Kaine of Virginia – that they had not been chosen.

As the selection process moved to an end, Senator Hillary Rodham Clinton of New York, who Mr. Obama had defeated in his bid for the Democratic presidential nomination, had slipped out of contention -- to the degree that Mr. Obama had ever seriously considered her.

Mr. Biden is Roman Catholic, giving him appeal to that important voting bloc, though he favors abortion rights. He was born in a working class family in Scranton, Pa., a swing state where he remains well-known. Mr. Biden is up for re-election to the Senate this year and he would presumably run simultaneously for both seats.

Mr. Biden is known for being both talkative and prone to making the kind of statements that get him in trouble. In 2007, when he was competing for Mr. Obama for the presidential nomination, he declared that Mr. Obama was “not yet ready” for the presidency, a line certain to show up in Republican attack ads.

Although Mr. Biden is not exactly a household name, he is probably the best known of all the Democrats who were in contention for the spot, given his political and personal history (not to mention his regular appearances on the Sunday morning television news shows.) He first ran for the Senate from Delaware when he was just 29 years old.

Mr. Biden has run twice for the presidency himself, once in 1988 and again in 2008, dropping out early in both cases. He was also the chairman of the Senate Judiciary Committee during two of the most contentious Supreme Court nomination battles of the past 50 years: the confirmation proceedings for Robert H. Bork, who was defeated, and Clarence Thomas, who was confirmed after an explosive hearing in which Anita Hill accused Mr. Thomas of sexual harassment. Mr. Biden led the opposition to both nominations, though he came under criticism from some feminists for not immediately disclosing what were at first Ms. Hill’s closed-door accusations against Mr. Thomas.

Mr. Obama’s choice of Mr. Biden suggested some of the weaknesses the Obama campaign is trying to address at a time when at a time when national polls suggest that his race with Senator John McCain, the presumptive Republican nominee, is tightening. Chief among Mr. Biden’s strengths is his familiarity with foreign policy and national security issues, highlighted just this past weekend with the invitation he received from the embattled president of Georgia, Mikheil Saakashvili, to visit Georgia in the midst of its tense faceoff with Russia. From the moment he dropped out of the presidential race, he had been mentioned as a potential Secretary of State should either Mr. Obama or Mrs. Clinton win the election.

He is also something of a fixture in Washington, and would bring to the campaign – and the White House – a familiarity with the way the city and Congress works that Mr. Obama can not match after his relatively short stint in Washington.

At 65 years old, he adds a few years and gray hair to a ticket that otherwise might seem a bit young (Mr. Obama is 47). He is, as Mr. Obama’s advisers were quick to argue, someone who appears by every measure prepared to take over as president, setting a standard that appears intended to at least somewhat hamstring Mr. McCain should he be tempted to go for a more adventurous choice for No. 2. He has a long history of making statements that get him in trouble. He was forced to apologize to Mr. Obama almost the moment he entered the race for president after he was quoted as describing Mr. Obama as “the first mainstream African-American who is articulate and bright and clean and a nice-looking guy,” a remark that drew criticism for being racially insensitive. While campaigning in New Hampshire, Mr. Biden said that ”you cannot go to a 7-Eleven or a Dunkin’ Donuts unless you have a slight Indian accent.”

Mr. Biden quit the presidential race this year after a barely making a mark; he came in fifth place in Iowa. He was forced to quit the 1988 presidential race in the face of accusations that he had plagiarized part of a speech from a Neil Kinnock, the British Labor Party leader. Shortly afterward, he was found to have suffered two aneurysms.

He is also, at least arguably, a Washington insider, having worked there for so long, though he still commutes home to Wilmington every night by train.

The choice by Mr. Obama in some ways mirrors the choice by Mr. Bush of Dick Cheney as his running mate in 2000; at 65, it appears unlikely that Mr. Biden would be in a position to run for president, should Mr. Obama win and serve two terms. Shorn of any remaining ambition to run for president on his own, he could find himself in a less complex political relationship with Mr. Obama than most vice president have with their presidents.

Mr. Biden was born in Scranton, , grew up in the suburbs of Wilmington, Del., and went to Syracuse Law School. He also was, as a young man, in the center of a gripping family drama: barely a month after he was elected to the Senate, his wife and their three children were in a car accident with a drunken driver resulted in the death of his wife and daughter. His two sons survived and Mr. Biden remarried five years later.

Carl Hulse and Jim Rutenberg contributed reporting.

Obama: Response to Iraq remarks overblown

By JENNIFER LOVEN, Associated Press Writer 43 minutes ago
Barack Obama said Saturday that he was surprised at how the media has "finely calibrated" his recent words on Iraq, and denied that he intends to anything but end the war if he is elected.
"I was a little puzzled by the frenzy that I set off by what I thought was a pretty innocuous statement," the expected Democratic presidential nominee told reporters flying with him to Missouri from Montana. "I am absolutely committed to ending the war."
On Thursday in North Dakota, Obama said that "I'll ... continue to refine my policy" on Iraq after an upcoming trip there. With a promise to end the war the central premise of his candidacy, the Obama campaign has struggled over the past two days to push back against Republicans and others who say his recent statement could be a softening.
In two news conferences on Thursday, Obama said any refinement of his position on Iraq wouldn't be related to his promise to remove combat forces within 16 months of taking office, but rather to the number of troops needed to train Iraqis and fight al-Qaida. But he also acknowledged that the 16-month timeline could indeed slip if removing troops risked their safety or Iraqi stability.
"What's important is to understand the difference between strategy and tactics," he told reporters. "The tactics of how we ensure our troops are safe as we pull out, how we execute the withdrawal, those are things that are all based on facts and conditions. I am not somebody — unlike George Bush — who is willing to ignore facts on the basis of my preconceived notions."
Noting that "we want to build on" the lessening of violence in Iraq, he added: "It doesn't change my strategic view that we have to bring our occupation to a close."
He said he didn't misspeak in his comments earlier in the week and suggested the media and critics read unintended significance into the remarks.
"I was surprised by how finely calibrated every single word was measured," Obama said. "I wasn't saying anything that I hadn't said before."
Obama has always said his promise to end the war would require consultations with military commanders and, possibly, flexibility.
The Illinois senator also said he and rival-turned-ally Hillary Rodham Clinton plan to help each other raise money in a series of fundraisers in New York next week.
Two events are scheduled for Wednesday night — one to raise money for his general election campaign and one to help Clinton pay off debts from her primary campaign. A third fundraiser, for Obama, is a breakfast Thursday morning with women donors that Clinton, a New York senator, will attend.
The fundraisers will be the first joint appearances by the former foes since their lovefest in Unity, N.H., on June 27.
The events were put together to showcase his campaign's commitment to helping Clinton retire her debt and her commitment to helping him get elected, Obama told reporters.
The candidate said his aides and those to former President Clinton are still arranging their first campaign appearances together. What role Bill Clinton will play in Obama's campaign has been a glaring question mark ever since the former president made comments earlier this year that Obama's supporters said injected race into the nomination contest.
"I'm looking forward to his advice and counsel and participation in the race ahead," Obama said.
Earlier Saturday, Obama took a swipe at Republican rival John McCain, saying that for "someone who has been in Washington for 30 years he's got a pretty slim record on education and when he has taken a stand it has been the wrong one."
McCain has voted against increasing funding for the No Child Left Behind law, increasing funding for Pell grants and hiring 100,000 new teachers, Obama told a Washington conference of the National Education Association that was beamed via satellite from Butte, Mont.
"He even applauded the idea of abolishing the Department of Education," Obama told the teachers' union. "In fact, the only proposal of his seems to be recycling the tired rhetoric about vouchers and school choice."
McCain spokesman Tucker Bounds responded in a statement: "Improving America's schools will take bipartisan leadership and a commitment to the issue, but Barack Obama has never spearheaded education reforms while in the U.S. Senate and has no record of working across the aisle for change."

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Obama mixes holiday and politics in Montana

By John Whitesides, Political Correspondent 12 minutes ago
Democrat Barack Obama mixed presidential politics with parades and barbecue on Independence Day on Friday, celebrating his daughter's birthday with a picnic and fireworks in Montana.
Obama, concluding a week-long campaign tour focused on values and patriotism, was cheered by crowds as he watched a holiday parade and threw a picnic for supporters in Butte -- a Democratic bastion in a state that normally votes Republican in White House races.
Obama was joined by his wife Michelle and daughters Sasha and Malia, who was celebrating her 10th birthday.
"I finally told her the truth that all these fireworks and stuff are not just for her," Obama said of Malia, who was serenaded with "Happy Birthday" by crowds at the parade and the picnic.
Obama and his family sat in bleachers and watched passing floats and trucks for about an hour in the broiling sun. He apologized for not walking in the parade, a tradition for most U.S. politicians, and blamed his Secret Service protection.
"This is the first parade where I haven't walked. The problem is if we start walking the Secret Service was going to have everybody put their hands up the whole parade route," he said. "We decided that wasn't gonna be much fun for everybody."
Obama later walked along the parade route for about 25 minutes anyway, shaking hands, holding babies -- at one point he took two at a time -- and wishing supporters a happy 4th of July.
"Can't wait for the inaugural parade," Linda Beischel of Helena, who drove to Butte to see Obama, told the Illinois senator.
"It will be fun," Obama replied.
Obama will face Republican John McCain in November's presidential election. McCain took the day off.
Obama told supporters at a picnic hosted by his campaign later in the day that battling special interests, forging a policy of energy independence and revitalizing the economy were patriotic endeavors.
He praised the U.S. military for its work in Iraq and Afghanistan and said improving treatment for veterans would be a priority.
"That's how we show, on this 4th of July, our patriotism," he said.
(Editing by Alan Elsner)
(For more about the U.S. political campaign, visit Reuters "Tales from the Trail: 2008" online at http://blogs.reuters.com/trail08/ )