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Two leading Democratic senators want answers from Aetna Chairman and CEO Mark Bertolini after a former medical director admitted under oath that he never read patients' medical records.Ron Wyden of Oregon, the ranking member of the Senate Finance Committee, and Patty Murray of Washington, the ranking member of the Senate Health Committee, fired off a joint letter to Bertolini this week, saying the medical director's comments raise serious concerns about Aetna's claims review process and whether the insurance giant has broken federal law. They asked the company to respond to the letter by March 20."Using medical records is a fundamental responsibility of health insurers when they review health claims," Wyden said in a statement. "Something is gravely wrong if a leading insurance company is failing to use this basic information at the expense of families' health and peace of mind."  906

UNION CITY, Calif. (AP) — Two boys were fatally shot while sitting in a van outside an elementary school early Saturday morning, police said.The shootings of the boys, ages 11 and 14, took place in the parking lot of Searles Elementary School, the East Bay Times reported.Callers to 911 reported hearing gunfire at 1:26 a.m., the newspaper said. Authorities said that when officers arrived, they found the boys.The older boy died at the scene, and the younger child died en route to a trauma center, the Times reported.New Haven Unified School District Superintendent John Thompson said in a statement that the victims were minors.The boys attended schools in the district, Thompson and a district spokesman said.No arrests have been made in connection with the killings.Police Lt. Steve Mendez said there was no sign of a connection between the shooting and the school where it took place. People occasionally gather in the relatively secluded parking lot, Mendez told the Times.Thompson said the school district “will have support for our students and staff at the sites where these students attended when school resumes after the Thanksgiving break.”The district also will work with the Union City Police Department “to ensure that our schools are as safe as they can be,” he said.Police are investigating the possibility that an earlier shooting may be related to the slayings, the Times reported. About 12:30 a.m. on Nov. 20, two men were shot and wounded near an intersection in Union City.The men were treated at a local hospital and released. Police told the newspaper that no evidence so far has linked the two incidents. 1638

Two police officers were shot Wednesday evening in Louisville amid protests following an announcement that the two officers involved in fatally shooting Breonna Taylor would not be criminally charged, Louisville Metro Police Chief Robert Schroeder confirmed.The officers are in "very serious condition," but they're expected to survive their injuries, Schroeder told reporters. One of the officers needed surgery following Wednesday's incident. The other officer is "alert and stable."A suspect is in custody, Schroeder said.The officers were reportedly shot at Brook and Broadway in Louisville, which is near the University of Louisville Hospital in downtown.The city went under a 9 p.m. ET curfew as thousands of protesters have clashed with police throughout the city.The incident was captured live on the Louisville Metro Police Facebook page.President Donald Trump and Joe Biden both reacted to Wednesday's shootings. "Praying for the two police officers that were shot tonight in Louisville, Kentucky. The Federal Government stands behind you and is ready to help. Spoke to Gov. Andy Beshear and we are prepared to work together, immediately upon request!" Trump tweeted."Even amidst the profound grief & anger today's decision generated, violence is never & can never be the answer. Those who engage in it must be held accountable. Jill & I are keeping the officers shot tonight in Louisville in our prayers. We wish them both a swift & full recovery," Biden tweeted. 1499

Two US Navy SEALs and two US Marines have been charged for their role in the June 2017 death of Army Staff Sgt. Logan Melgar in Bamako, Mali, a death that investigators determined to be murder."Charges were preferred yesterday against two sailors and two marines," the Navy said in a statement.The charges include felony murder, involuntary manslaughter, conspiracy, obstruction of justice, hazing and burglary.The official charge sheets accuse the two Navy SEALs and two Marines of breaking into Melgar's bedroom, physically restraining him with duct tape and placing him in a chokehold.The charge sheets say the murder took place while the accused were "perpetrating a burglary."The four service members are also accused of lying to investigators.The Article 32 preliminary hearing for the four accused is currently scheduled for December 10."We honor the memory of Staff Sgt. Melgar, our thoughts remain with his family and teammates," US Navy Capt. Jason Salata, a spokesman for US Special Operations Command, told CNN."If these allegations of misconduct are substantiated, they represent a violation of the trust and standards required of all service members. We trust our service members to safeguard our nation's most sensitive interests and to do so with honor," Salata added.Earlier this month, the Naval Criminal Investigative Service sent its report on the investigation into Melgar's death to Rear Adm. Charles Rock, the commander of Navy Region Mid-Atlantic, in order to "make determinations regarding administrative or disciplinary actions as appropriate."Secretary of the Navy Richard V. Spencer ordered Rock to oversee see disciplinary actions relating to Melgar's death in late October.Military officials told CNN last year that a military examiner had ruled Melgar's death at a US government compound, near the American embassy in the capital of the West African nation, was a homicide.The Navy took over the investigation from the Army in September 2017.CNN previously reported that two members of SEAL Team Six were under investigation.Melgar's cause of death was asphyxiation, according to a defense official familiar with the findings of the medical examiner's report.Melgar, a native of Lubbock, Texas, enlisted in the US Army in 2012 and began Special Forces training in 2013, according to the US Army Special Command statement. He served two deployments to Afghanistan. 2402

Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

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