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The atmosphere in the Peruvian entertainment world is tense after the recent statements of Luigui Carbajal who issued a strong warning to the group Skandalo after starring in an unexpected confrontation with Ricky Trevitazo. Both artists, known for having been part of the youth group that marked an era in cumbia music, are now at the center of the controversy. The controversy intensified after Ricky issued a statement on his social networks, announcing his total distancing from Carbajal, which unleashed a wave of reactions among his followers. The conflict escalated further when Roly Ortiz founder of Skandalo accused Luigui Carbajal of having “fooled everyone”, adding a new chapter to this controversy. For his part, Carbajal, visibly upset, assured that the group must assume responsibilities for the use of his image. “They cannot use my image, my name, or my voice,” warned the former member of ‘Recargados de laughter’. What did Luigui Carbajal say about the Skándalo group? In his Radio Panamericana program, Luigui was emphatic when clarifying his position on the group, with which he shared a large part of his artistic career: “I make it very clear, Luigui Carbajal will no longer be in the group Skandalo . “They can’t count on me, they can’t use my image, my name or my voice or anything, otherwise they’re going to have to pay for the right to my image.” In addition, the distancing with Ricky Trevitazo, with whom he had more than 20 years of friendship, has added an emotional burden for his fans to this controversial confrontation. Trevitazo, through a statement on his social networks, made public his decision to cut ties with Carbajal, which confirmed the break between both artists. Given this situation, Luigui has reiterated that his link with Skándalo is a thing of the past and that he will not allow his image or career to be used in future projects related to the group. Join our entertainment channelThe Titans have issues to fix and hope to keep slim playoff hopes alive when they host the Jags

Experience The New Hindi Music Video Banarasi Mohabbat By Akash Seth & Bandana Datta Recommended Playlist Russell Brand's Legal Troubles Deepen: Charges Loom as Prosecutors Review Assault Claims Randeep-Lin’s power-packed Delhi reception Showbiz round up with Delhi Times Showbiz round up with Delhi Times Top Viral Videos Dua Lipa Casually Announces Engagement To Callum Turner With Low-Key Holiday Snaps | WATCH Singer Dua Lipa is engaged to 'Fantastic Beasts' actor Callum Turner after less than a year of dating. The couple 'couldn't be happier' as they take their relationship to the next level. Dua shared photos from her holiday at home, showcasing ring-clad hands. Watch- Manmohan Singh Dies At 92; Remembering The 'Accidental Prime Minister' With Controversial Biopic You Can't Miss This Hora - Inside Selena Gomez & Benny Blanco's First Hanukkah As Engaged Couple Vinod Kambli Thanks Sachin Tendulkar From Hospital Bed, Gives Update Amid Health Concern | WATCH Shyam Benegal, Renowned Filmmaker, Passes Away at 90: PM Modi and Bollywood Pay Tribute to the Icon Megan Fox-Gun Kelly, Sabrina Carpenter-Barry Keoghan; 2024's Most Heartbreaking Hollywood Splits This year has been a rollercoaster of emotions in Tinseltown, with some of the most shocking celebrity breakups making headlines. From Megan Fox and Machine Gun Kelly’s fiery fallout to Sabrina Carpenter and Barry Keoghan’s unexpected split, these stories have left fans heartbroken. In this video, we look at the ugliest and most heartbreaking celebrity splits of 2024, revealing the stories behind the breakup and the shocking twists that led to these high-profile splits. Taylor Swift Surprises Fan At Kansas Children's Hospital With Unexpected Christmas Gift AP Dhillon, Divine Set the Stage on Fire at Karan Aujla’s Mumbai Show | WATCH Sandhya Theatre Woman's Death Case: Cops Say Allu Arjun Ignored Their Warning AP Dhillon vs Diljit Dosanjh: Instagram Drama Heats Up as AP Drops Major Proof– Will Diljit Respond? Vicky Kaushal’s Emotional Tribute Moves Karan Aujla to Tears at Mumbai Concert | WATCH Karan Aujla's recent concert in Mumbai was filled with emotional moments, particularly when actor Vicky Kaushal praised Karan's talent, bringing him to tears. The night also included a surprise appearance by Parineeti Chopra, adding to the excitement. Watch the video to experience these unforgettable moments and witness the crowd's reaction to these star-studded performances! Shah Rukh Khan, Aishwarya & Abhishek Bachchan Turn Kids’ School Annual Day Into A Glamour Fest RIP Zakir Hussain: Celebrities Pay Tribute to the Tabla Maestro's Timeless Legacy | WATCH Zakir Hussain Passes Away At 73, Takes Last Breath In US Hospital After Battling Heart Issues Liam Payne Case: Waiter Reveals New Details; Claims Declining Rolex Watch Offer Raj Kapoor's 100th Birth Anniversary Celebrated In Pakistan, Fans Cut Cake At Kapoor Haveli Pakistan's film lovers celebrated 100th birth anniversary of Raj Kapoor as they gathered at the iconic 'Kapoor Haveli' in Peshawar. Fans remembered legendary Bollywood filmmaker and marked the occasion with a cake cutting ceremony. Watch- 'Pushpa 2' Fan Death Case: Allu Arjun Sent To 14 Days Judicial Custody Varun Dhawan Calls Out 'Unfair Blame' on Allu Arjun Over 'Pushpa 2' Tragedy 'Pushpa 2' Stampede Case: Allu Arjun in Custody for Woman’s Death Jennifer Lopez Sparks Rumours With 'Extra' Closeness To Staff Short Videos Priyanka Chopra's Hand Gestures Spark Curiosity SRK Avoids Fall During Wild Airport Scene Sonu Nigam Always Leaves Us In Awe With His Presence Hina Khan Stuns In A Pink Kashmiri Salwar Suit Kareena Kapoor's Birthday Bash: A Glimpse of Her Fabulous Gift and Cake Aditya Roy Kapur’s Drool-Worthy Transformation Wamiqa Gabbi's Bold Look Steals All the Spotlight Neil Nitin Mukesh’s Emotional Goodbye to Bappa with Final Aarti Jackie’s Ganpati Aarti Moment; You Won’t Believe What He Brings Along Siddhant & Raghav’s Bromance Related Articles Mahesh Babu starrer 'Guntur Kaaram' to re-release on New Year's eve in limited screens IVE announces comeback with new album 'IVE EMPATHY' American Idol finalist Emmy Russell is expecting her first child with singer Tyler Ward After Kangana Ranaut, Honey Singh supports Diljit Dosanjh, slams states' hypocrisy over liquor advisories: 'Alcohol is in the culture, not just in Punjab' Politics heats up over 'Raghupati Raghav' bhajan at BJP event in Bihar, singer apologises NFL and Roc Nation 2024 Songs of the Season: From Lil Wayne to DJ Clue Hotel, resort rooms sold out for last week of Dec New stills released for upcoming movie 'Dark Nuns' featuring Song Hye Kyo, Jeon Yeo Been, and Lee Jin Uk MORE FROM E TIMESA month later, Trump’s election win continues to upend Georgia politics

Dolly Parton is working 9 to 5 to cast her musical. The singer, 78; her manager, Danny Nozell; and ATG Productions announced on Thursday that “ Dolly: An Original Musical ” has launched a nationwide casting search. The Broadway show, previously titled “Hello, I’m Dolly,” will follow Parton’s life and career over the decades. The star explained the open casting call and audition process in a video posted to TikTok, Instagram and YouTube. “I want to give you the chance to help me bring my story to Broadway — and maybe even play me!” Parton said, encouraging hopefuls to try out for the musical. “This show is a celebration of my music, my life and all the amazing people who’ve been with me along the way,” she continued. “We’re looking for talented performers who can capture the spirit of my journey, whether you’re an experienced theater professional or an undiscovered gem with that little special something.” According to the press release, casting agents are looking for “performers of all ages to portray Parton at different stages of her incredible life.” Applicants must record a one-minute video of themselves singing their favorite Parton song and post it to social media with the tag #SearchForDolly. Applicants must also complete an application form on the musical’s site. Dolly hopefuls have until 11:59 p.m. ET, Jan. 12, 2025, to send in their auditions. The show will then invite any promising applicants to New York City for a formal audition process. Parton’s casting plea comes on the heels of her brother David Parton’s death at 82 last month. Dolly’s sister Stella Parton shared the sad news on social media on Friday, Nov. 15. “My brother David passed away peacefully this morning,” Stella, 75, wrote on X (formerly Twitter). “It’s never easy to say goodbye to a loved one but he got his angel wings and is now at peace. “My brother David was always referred to as sweet David because of his kindness, loyalty and soft spoken demeanor. He was also a US Marine,” Stella wrote in a second tweet. On Facebook , she noted, “It’s never easy to lose a loved one. My wonderful brother David Parton passed in the early hours of the morning.” A follow-up post read, “Thank you for all your kind thoughts to my family as we continue to grieve the loss of our much loved and cherished oldest brother David.” David’s obituary indicated that he passed away at his home in White Pine, Tennessee. His funeral was held shortly afterward, at Leadvale Baptist Church. Parton has yet to publicly comment on her brother’s passing. David was a retired bridge builder superintendent for Simpson Construction. He worked on the bridges in the Kingsport, Johnson City and Knoxville areas. David was the second-oldest of the 11 Parton kids. His living brothers and sisters include Willadeene, 84; Coy, 81; Dolly; Robert Jr., 76; Stella, Cassie; 73, Freida, 67; and Rachel, 65. Three of the Parton siblings, Randy, Larry and Floyd, predeceased him. Dolly Parton did comment on the passing of Randy, from cancer at age 67 in 2021. “The family and I are grieving his loss, but we know he is in a better place than we are at this time,” the country icon wrote in her Facebook statement. “We are a family of faith, and we believe that he is with God and that he is joined by members of the family that have gone on before and have welcomed him with joy and open arms.”

As TikTok bill steams forward, online influencers put on their lobbying hats to visit WashingtonSrinagar, Nov 25: A 15-day advanced training programme for women entrepreneurs organized by Department of Social Work, University of Kashmir (KU) concluded here. The programme which began on November 11 was organised under the project ‘Livelihood generation of women start-ups in key sectors across the Kashmir division’ in collaboration with Usha Silai School, India as the technical partner. The event was held at the Training & Production Centre, Institute of Technology (IOT), Zakura Campus, KU. While speaking at the valedictory session, Vice-Chancellor KU Prof. Nilofer Khan, in her address, expressed happiness over the success of the training programme. “It’s glad to see how we are connecting with the community and making an impact. These hardworking women entrepreneurs have been equipped with the skills they need and we will continue to support them,” she said while highlighting the university’s commitment to empowering women financially & socially. Registrar KU, Prof. Naseer Iqbal encouraged the women entrepreneurs to think beyond the routine and upgrade their entrepreneurial skills as per the requirements of the industry. “Don’t limit your focus to just one product and create innovative products to meet market demands. Your work is going to benefit society directly,” he said. Vice President, Usha International Limited, Ms. Mary Roopa stressed that the training is just the beginning and new opportunities are in the offing. “This is not the end of your journey but the start of unlocking new opportunities. I encourage you to keep innovating and showcase your creativity,” she remarked. Director IOT, Zakura Campus KU Prof Tariq Ahmad Banday, spoke about the importance of skill development. “Skills must evolve to remain relevant in today’s market and this training is a step in that direction,” he said. Head, Department of Social Work KU, Prof. Shazia Manzoor, emphasized the programme’s dual focus on both economic and social empowerment of women. “We aim to provide more than just economic support to our women. We want to empower them socially as well,” she said. Dr Waqar Amin, faculty member at the Department of Social Work KU conducted the proceedings of the event and proposed the formal vote of thanks. The participants shared their feedback on the occasion and expressed their satisfaction with the training programme.Where will League’s animated adaptation plans go after Arcane? These hints give a strong possibility

Experts and academics have raised concerns about the negative impact of excessive reliance on artificial intelligence (AI) in academic research, warning that it diminishes researchers’ skills in analysis, critical thinking, and creativity. Speaking to Qatar News Agency (QNA), they highlighted that while AI tools can process and analyse data at impressive speeds, over-relying on them could result in poorer memory retention and academic performance. Recent studies have shown that excessive use of tools like ChatGPT has been linked to a decline in students’ cognitive abilities and academic outcomes. Dr Abdullah Hamad al-Muraikhi, Assistant Dean for Student Affairs at Qatar University, emphasised that when used properly, educational technology can enhance the learning experience. However, he noted a common misconception that AI would lead students to depend on it for completing assignments and conducting research. He attributed this fear to the traditional education system, which still focuses on assignments and exams that primarily assess rote memorisation skills. Dr al-Muraikhi explained that professors can often tell when a student’s work is not their own by comparing it to their in-class performance. He also pointed out that as AI tools evolve, it becomes harder to detect alterations in research that AI may have made, beyond what plagiarism detection software can identify. He stressed the need for a reevaluation of teaching and assessment methods to align with technological advances. Dr al-Muraikhi emphasised that AI should be viewed as a tool to support learning, not replace the vital human interaction between teachers and students. He also called for ethical guidelines to ensure AI is used responsibly, securely, and without bias, while respecting the learner’s cultural context. AI, he said, should reinforce core educational values such as respect, integrity, and self-confidence, rather than merely acting as an information delivery tool. For his part, Dr Khaled Waleed Mahmoud, a cybersecurity policy expert, shared similar concerns with QNA. He acknowledged the undeniable role of AI in advancing academic research, given the rapid pace of technological progress. AI has significantly enhanced traditional research methods by enabling researchers, particularly graduate students, to process vast amounts of data quickly and efficiently. For instance, at the high school level, students often rely on AI to generate ideas, organise information, and assist with data analysis, using tools like ChatGPT and smart search engines to gather research references. While at the university level, AI is increasingly being used to draft academic papers, collect data, and organise references. Graduate students are employing more advanced AI tools to analyse large datasets, apply algorithms to interpret results, and even predict certain scenarios, all while utilising machine learning and translation techniques to enhance accuracy. Dr Mahmoud acknowledged that AI not only increases research efficiency by saving time but also enhances the accuracy of results by utilising advanced data analysis tools. However, he also noted that AI opens new research possibilities, allowing scholars to explore questions and issues that were previously inaccessible just a few years ago. Dr Mahmoud, a researcher specialising in cyber policy, warned about the drawbacks of over-relying on AI tools, such as technological dependence. He explained that excessive use of AI can weaken researchers’ essential skills in analysis, critical thinking, and memory, leading to a generation with poorer academic performance. A recent study supports this, showing that students’ overuse of ChatGPT weakens memory and academic outcomes. Additionally, using AI in research writing raises ethical concerns, particularly around plagiarism and academic integrity, as AI-generated content can compromise the originality of research work. Algorithms may also reflect biases depending on how they’re programmed and trained. Dr Khaled emphasised the need for clear policies and guidelines from academic institutions to regulate AI usage in research. These policies should ensure the ethical use of AI, provide training for students and researchers on responsible AI practices, and reinforce traditional skills like critical thinking and analysis. He also stressed the importance of academic integrity by banning AI-generated research without proper attribution. Furthermore, developing tools to detect AI-assisted plagiarism is crucial to maintaining the integrity of academic work. This approach would strike a balance between benefiting from AI’s potential and preserving academic standards and research skills, requiring educational institutions to implement appropriate regulations. In turn, Dr Ammar Riyad, an academic specialising in AI and cybersecurity, highlighted AI’s promising potential to enhance education at all levels. AI allows teachers to tailor curricula to individual student needs and offer interactive learning experiences that increase student engagement. It can also help analyse student performance and provide personalised feedback, ultimately improving academic outcomes. Teachers can use AI to identify strengths and weaknesses in students, making education more targeted and effective. However, Dr Ammar stressed that total reliance on AI in education could be problematic, as the learning process needs human interaction to foster communication skills and critical thinking, which might diminish with increased use of AI. Overuse could also reduce personal analysis and independence, as students may start depending on technology to find answers instead of thinking critically themselves. In research, while AI enhances the speed and accuracy of data collection and analysis, it risks producing similar results when researchers rely on the same tools. At a time where this might be useful in confirming hypotheses, it also could stifle creativity and limit diversity in academic work. Dr Ammar stressed the importance of developing AI tools that offer diverse methods and encourage intellectual innovation. AI should complement, not replace, human interaction and critical thinking. It should enhance education and research, but with careful regulation to prevent over-dependence, especially in early education, where human engagement is key to developing students’ social and cognitive skills. In the field of research, using diverse analytical tools and methods is essential to avoid repetitive outcomes and biases, ensuring ongoing academic creativity and innovation.

CLEVELAND (AP) — Two days before recording another milestone, resume-building sack on Sunday at Cincinnati, Myles Garrett delivered a jarring hit — on the Browns. In this case, any roughness could be deemed necessary. Garrett piled on to what has been a painful and puzzling season in Cleveland by saying he doesn’t have any interest in going through another rebuild and wants to know exactly what the organization’s offseason plans are to fix things. If that wasn’t enough, Garrett indicated for the first time that he would consider leaving the Browns if his vision doesn’t mesh with the team’s ambitions. “It’s a possibility,” he said of playing elsewhere. “But I want to be a Cleveland Brown. I want to play my career here.” It’s unclear how Garrett’s comments were received by owners Dee and Jimmy Haslam, who have plenty to consider as the Browns (3-12) head into the final two weeks of a season that began with playoff expectations and could be followed by upheaval. The Browns haven’t been this bad since going 0-16 in 2017. Garrett, who reached 100 career sacks by taking down Cincinnati’s Joe Burrow late in the first half of Sunday’s 24-6 loss , may have either added to the Haslams’ long list of concerns — the Deshaun Watson contract situation is a priority — or brought them clarity. RELATED COVERAGE The Darnold-Jefferson connection is thriving for the surging Vikings Patriots coach Jerod Mayo believes narrow loss to Bills shows potential of his young team Giants’ 10th straight loss showed once again that they need a young QB There’s no denying that Garrett’s remarks carry substantial weight, which is partly why he spoke up. He’s the Browns’ best player, a franchise cornerstone, a future Hall of Famer and arguably the most disruptive defensive force in the game today. He’s also leading with actions. Garrett showed extraordinary effort in chasing down and tackling Burrow before tumbling out of bounds and crashing into Cleveland’s bench and some portable heaters. He might be frustrated, but he’s not giving up. “A testament of who he is as a player and who he is as a person,” linebacker Jordan Hicks said. What the reigning Defensive Player of the Year says matters. It will be interesting to see if the Haslams listen. At this point, there are indications the Browns intend to stick with coach Kevin Stefanski and general manager Andrew Berry, whose major misses in recent drafts have become more magnified with each loss. There will be changes; it’s just a matter of how drastic and if they’ll be enough to satisfy Garrett’s wishes. He turns 29 on Dec. 29 and has two years left on a $125 million contract extension. The All-Pro is in his prime and doesn’t want to waste another season in a pointless pursuit of a Super Bowl title. His goal is to win a championship with Cleveland — or someone. Garrett’s serious. He’s asking the Browns to show him they are, too. What’s working Cleveland’s defense is doing its part. For the second week in a row, the Browns contained one of the NFL’s most talented offenses, holding the Bengals and their top-ranked passing game below most of their season averages. Burrow did throw three TD passes — for the seventh game in a row — but Cincinnati scored fewer than 27 points for the first time in seven games. What needs help The Browns continue to beat themselves with costly turnovers, some more costly than others. They drove to the Cincinnati 1-yard line in the opening minutes only to have D’Onta Foreman fumble as he neared the goal line. The Bengals capitalized by driving 99 yards to take a 7-0 lead that could have been Cleveland’s. Stock up Running back Jerome Ford is making the most of a heavier workload and finishing strong. He ripped off a 66-yard run on the game’s first play and finished with 131 all-purpose yards, including 92 on 11 carries and scored Cleveland’s only TD. Ford’s emergence as a potential No. 1 back — Nick Chubb’s injuries have clouded his future — gives the team one less thing to worry about as it retools the roster. Stock down Kicker Dustin Hopkins hasn’t shaken a startling slump. After being benched for a week to work through his struggles, Hopkins missed his only kick, pushing an extra point to the right. Hopkins felt confident going in, but he’s back to trying to identify issues that could be equally mechanical and mental. He’s just 16 of 25 on field goals, 16 of 19 on PATs and the Browns’ decision to sign him to a three-year, $15.9 million extension this summer looks worse every week. Injuries QB Dorian Thompson-Robinson injured his calf early in Sunday’s game, leaving his status in doubt for a second straight start this week. If Thompson-Robinson can’t go, the Browns could go back to Jameis Winston, but he’s dealing with a sore right shoulder. ... Tight end David Njoku is dealing with yet another injury after hurting his knee. The team is awaiting results on an MRI, perhaps a sign of the severity. Njoku has missed time with injuries all season. He finished with eight catches for 66 yards. Key number 20 — Interceptions for the Browns this season. Thompson-Robinson’s two picks on Sunday gave the team 10 in the last four games. What’s next Probably a half-empty stadium for a final home game on Sunday against the Miami Dolphins, who are still in the hunt for a wild-card spot. ___ AP NFL: https://apnews.com/hub/nflStampedes: Physicians suggest crowd control as 67 die in four days

As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.

A new law going into effect on Jan. 1, 2025, eliminates most vehicle safety inspections. It's one of two laws concerning vehicles going into effect in the new year . Starting New Year's Day, non-commercial vehicles will no longer need a safety inspection before registration, thanks to House Bill 3297 . At Kwik Kar Vista Ridge Friday, auto experts conducted some of the last state-required safety inspections. It'll now be up to the driver to make sure their vehicle is safe. "It is about common sense. We want to keep the vehicle safe and the public safe," said Ray Bowens, owner of Kwik Kar Vista Ridge. Bowens still recommends people check the brakes, lights, horns, and other safety items with them even if it's not required. "The kinds of things that make sure your car is drivable, to make yourself safe and the other vehicles on the street safe." In 2023, state lawmakers eliminated the change to save drivers time and money. Critics worry it will make some of the country's most dangerous roads more deadly. At least one person dies on roads in Texas every day according to TxDOT. Small government advocates, conservative groups, and Tesla supported the change according to the Texas Tribune . The Dallas Police Association, Texas State Inspection Association, and Texas sheriffs tried to stop the change. Some non-commercial vehicles will still need emission testing, depending on where the owner lives, and all vehicles will still need to be registered. All non-commercial vehicles in the state will continue to be subject to a $7.50 inspection program replacement fee. The replacement inspection program fee will be paid when registering a vehicle with the Texas Department of Motor Vehicles. New vehicles (those of the current or previous model year on the date of purchase) purchased in Texas that have not been previously registered in Texas or another state must pay an initial inspection program replacement fee of $16.75 to cover two years. This fee simply replaces the source of revenue for state programs and operations that were once supported by vehicle safety inspections, such as the construction and expansion of state highways. Although vehicle safety inspections will be eliminated for all non-commercial vehicles, Texans with vehicles registered in certain counties will still be required to undergo emissions testing. Emissions testing is required in Collin, Dallas, Denton, Ellis, Johnson, Kaufman, Parker, Rockwall and Tarrant counties in North Texas. The price of vehicle emissions testing varies by vehicle and county. All commercial vehicles in all counties will still be required to obtain a passing vehicle safety inspection. Bowens tells NBC 5 it may take a while before the public becomes aware of the changes. "It really takes a while because the information is not put out as good as it should. So we could get an awful lot of phone calls from customers," said Bowens.