Richard Ostuw has been a consultant to large employers helping them manage their health and welfare benefits and served for about 20 years in lead national and global roles in managing the consulting practice. Key responsibilities included developing ideas and material for consultants to use with clients, staff training, professional standards, research, press relations and marketing. Most of his career was with Towers Perrin where he was the firm’s Chief Actuary and served on the Board of Directors. He also served as the Global Practice Director for Group and Health Care Benefits at Watson Wyatt. He was an early national leader on several major benefits issues including flexible benefits/employee choice and retiree health benefits. He chaired the Cost Audit Group which provided an independent cost analysis of the Clinton administration’s health care reform proposal. His direct client work was mostly with Fortune 500 size companies and included some of the largest companies in the U.S. Since his retirement, Mr. Ostuw has served with several non-profit organizations. He is a member of the Board of Directors of the Child Guidance Center of Southern Connecticut (which provides mental health services to children), the Advisory Board of Charter Oak Communities (which provides affordable housing) and the Human Resources Committee of Building One Community (previously Neighbors Link Stamford, which serves recent immigrants). He was previously on the Board of the Darien/Stamford chapter of the American Red Cross. He has a B.A in Mathematics from Rutgers University and a M.S. in Actuarial Science from Northeastern University. He has published approximately 20 articles on employee benefits issues.