Be Smart About Using Hands Free Devices While Driving

Size: px
Start display at page:

Download "Be Smart About Using Hands Free Devices While Driving"

Transcription

1 Spring 2013 Be Smart About Using Hands Free Devices While Driving New California Law Enhances Traffic Safety On January 1, 2013, a new California law went into effect to allow hands free texting if the driver uses improved voice activated technology and devices. Let s look at the prior California laws. The vehicle code law that went into effect on July 1, 2008 prohibits drivers from talking on a hand held phone while driving, but allows for hands free verbal calling. The January 2009 law prohibits drivers from composing, sending or reading text-based communication on a wireless communication device while driving. This means you cannot text, use the internet or send s, not even if you are stopped in traffic or at a stoplight. Breakthroughs in new technology that make voice activated texting possible have brought us the new 2013 law that allows hands free texting. Drivers under the age of 18 are still prohibited from using any wireless phone or hands free device while driving. While California and several other states have banned the use of hand held cell phones and 39 states have banned texting while driving, many drivers still engage in these activities. It is still illegal to hold any device in your hand, even if you do not have it up to your ear, including holding it in your hand for dialing and using the speakerphone, taking a picture, or using a phone map for reference. A study conducted at the University of California, Berkeley Safe Transportation Research and Education Center (SafeTREC) cites a decline in traffic deaths in California since the introduction of the State s law to prohibit hand held cell phone use. In the two years following the enactment of the law, fatalities linked to hand held cell phone use fell by 47 percent and similar reductions occurred in the number of injuries. There are also several studies that suggest the use of hands free devices does not lessen the distraction. While it is recognized that there are many benefits to providing employees with cell phones and other portable electronic devices, it s important for every driver to BE SMART: if you must The safest course of action is to devote your full attention to driving and not use any device that can distract you. use a hands free phone, the following Best Practices are recommended: Place the phone in a holder in front of you. Familiarize yourself with the operation of the device before using. Ensure all hands free and voice activated devices are accessible and ready before you start driving. Avoid talking on the phone when driving unfamiliar roads or in hazardous conditions, such as rain, snow, traffic congestion, road construction, accident scene, etc. If you need to take or make a call, pull your vehicle over safely and park before doing so. Never allow a phone conversation to distract you from driving. Keep calls brief and be prepared to end a conversation abruptly. While talking, keep your head up and your eyes on the road, with frequent checks of side and rear view mirrors. Don t take notes or look up phone numbers or addresses while you are driving. If you must check information, arrange to call back and do your re search while the vehicle is safely stopped. Continued on page 6 Editor s Message In our Spring issue, you will find a few articles are linked by fundamental concepts that Everyone is a Risk Manager and that our actions have an impact on the wellbeing of others. Our cover story highlights the classic case in point: the need to hang up and drive to reduce stress, avoid property damage, and prevent bodily injury. Keep California highways and roads safe for one and all. We can Clear the Air by creating a healthy environment for our students, faculty, staff, patients, and visitors. With guidance from the newly formed UC Riverside Center of Excellence, find out how all UC campuses will be contributing positively to everyone s health and well-being. Other articles in this issue will focus on reducing risk through recent innovative ideas and best practices: Reducing Workers Compensation costs and maintaining a quality program may seem counter to one another. But you can achieve success by focusing on conscientious claims management and proactive employee health management. UC is emerging as a leader in Enterprise Risk Management (ERM) for the rest of the world to follow. See how other businesses and educational institutions are consulting our ERM model. We have made our assessment tools available Continued on page 2

2 DON T LEAVE HOME WITHOUT YOUR BLUE AND GOLD PLAN The University s Travel insurance program has come a long way. In October 2007, the program was greatly enhanced with broader coverage and increased benefits. Since then, many success stories have been told about how this program has helped faculty, students and staff when they were traveling abroad. While the program only provides coverage when traveling for University business and off-campus activities, people realized the benefits and importance of travel insurance in their personal lives also. We received numerous requests to offer a similar program that can be purchased for personal travel. The Office of Risk Services has worked with our travel insurance carrier, ACE USA, to develop a program that employees and students can purchase for personal travel. This program responds to medical emergencies when traveling outside your home country or country of permanent residence. It provides accident and sickness benefits, emergency medical and security evacuation, and other valuable travel assistance services. There are two plan options: 1) Blue plan or 2) Gold plan. The Gold plan includes everything in the Blue plan plus some additional benefits. There is also an option to increase the medical expense and AD&D limit. The employee/student is responsible for payment of the premium. This Travel Accident Protection Program for personal travel is available for University employees and students to purchase for themselves, their families and traveling companions. In order for each traveler to be covered, each traveler must enroll individually and pay their respective premium. For more information, go to the Risk Services website at risk-services/loss-prevention-control/ travel-assistance/personal-travelprogram.html. Click on Blue and Gold Plan Options to read the coverage brochure. Click on the UC Personal Travel Program Enrollment link to enroll and purchase this insurance. Click on Register Your Personal Trip for Real Time Alerts to complete a travel profile if you would like to receive alerts for specific countries Under the Blue and Gold plan, UC faculty, staff and students can now enjoy some of the same benefits that were originally only provided for business travel. Cheryl Lloyd, ERM Deputy & Director Liability Programs and areas to which you will be traveling. You can receive real time alerts before, during and after your trip. The Blue and Gold Travel Accident Protection Program is being offered as an option for employees and students to purchase on their own for personal travel. This program is not affiliated with any University provided employee benefit and the University is not making any recommendation. As with any commercial travel insurance you purchase, the traveler is responsible for paying the premium, arranging for any travel assistance services, and resolving any claim or coverage issues and disputes directly with the carrier. Editor s Message, from page 1 to others wanting to venture down the ERM path. Fiat Lux Latin for Let There Be Light is more than UC s motto, it forms a critical component of Enterprise Risk Management. Read about our latest ERM innovation, Fiat Lux will provide a platform to strategically manage risk. Through popular request, the Office of Risk Services brings you the Blue and Gold Travel Accident Protection Program that offers benefits and protection that was previously only available for business travel. We have raised the awareness and people realize the importance of having travel insurance, not just for business travel, but also for personal travel. Now employees and students can purchase a similar plan on their own for their personal travel - Don t leave home without your Blue and Gold. Our spotlight in this issue is on the addition of two program managers to the Risk Services team. Read about these team members and how they bring their ideas and expertise to manage and strengthen our programs. It s time again to plan for the UC Risk Summit. This year s event will feature sessions of timely and meaningful interest to all who play a role in managing risk. Don t miss the opportunity to consult with experts and share information with your colleagues. Be sure to save the date, June 5-7, 2013, and join us in Working Smarter to create a stronger UC. Until the next Issue, Be Smart About Safety, Cynthia Low, Editor Risk Services Today 2

3 It s Time to The University of California is a national leader in healthcare and environmental practices and is dedicated to promoting health worldwide. The University is taking steps to reduce tobacco use and exposure to secondhand smoke by creating a smoke/tobacco-free environment on all of our campuses and facilities. Establishing smoke/tobacco-free policies emphasizes the importance of breathing smoke-free air for all faculty, staff, students, patients, and visitors and encourages healthy habits for the benefit of all members of their communities. As of November 2011, all the UC Medical Centers are smoke-free. Recognizing that policies will need to be tailored to fit individual campus needs, steering committees have been formed at each campus to implement the University s smoke/ tobacco-free policy at their location by This initiative is part of the University s larger wellness strategy to improve health and reduce risks. The following key elements need to be present to maintain a smoke/tobacco-free environment at UC: Smoke/tobacco-free means that smoking, the use of smokeless tobacco products, and use of unregulated nicotine products (e.g. e-cigarettes) will be strictly prohibited in indoor or outdoor spaces, including parking lots and housing. The policy applies to all UC facilities, whether owned or leased. Sale and advertising of tobacco products must be strictly prohibited in University owned and occupied buildings. Enforcement should be primarily educational with an emphasis on cessation resources available. Good will and respect for the rights of others are critical to successful implementation of the smoke/tobacco-free policy. Smoking cessation education and support can significantly improve compliance. The University is committed to ensuring the campus community has ongoing access to several types of assistance to support all faculty, students and staff who wish to stop using tobacco products. This includes education, referrals and resources, individual, group and telephone counseling and support. For employees, all UC-sponsored health plans offer tobacco cessation resources, programs, and prescription nicotine replacement therapy to help with their efforts. Cessation programs are also offered through Faculty/Staff Wellness Programs at Clear the Air All UC Facilities Join in Going Smoke/Tobacco-Free each UC campus. For students, tobacco cessation and awareness programs, referrals, and resources are available through the Student Health Services facility on each campus. Cessation services will be enhanced at each campus as UC moves towards the effective policy date. Office of Risk Services has partnered with the UC Riverside campus to establish a Center for Excellence (COE) to assist locations with the systemwide implementation of the smoke/tobacco-free policy. Each location will have unique needs, but there will be commonalities. This COE will serve as an avenue to share resources and experience throughout UC. The efforts will be led by Julie Chobdee, Wellness Program Coordinator at Riverside, who will provide guidance and resources to support each campus policy development and implementation. A systemwide task force consisting of representation from each campus will meet regularly to address implementation details, considerations, and concerns. This task force will be led by Kevin Confetti in Office of the President, Risk Services. The health hazards related to smoking and exposure to secondhand smoke are well-documented. More than 440,000 people die from tobaccorelated illnesses every year, making smoking the leading cause of preventable and premature death. Exposure to secondhand smoke is the third leading cause of preventable death in the country causing over 50,000 non-smoker deaths annually. Making all the campuses smoke-free provides a healthy environment for our students, faculty, staff, patients and visitors. It s the right thing to do. Grace Crickette, Chief Risk Officer California is a pioneer of the smoke-free movement, establishing the first statewide smoke-free workplace law in Here at UC, we will be moving forward to implement a systemwide smoke/tobacco-free policy. A smoke-free environment will contribute positively to everyone s health and well-being. And the University is committed to providing a healthy, productive and safe environment for all faculty, students, staff, patients and visitors. UC ACHIEVES RECENT SUCCESS IN MITIGATING WORKERS COMPENSATION COSTS Workers compensation benefits are available to University employees who are injured on the job. The University maintains a systemwide multi-faceted program that provides proper benefits to employees whether they are working in California, other states or in foreign countries. Thousands of work-related injuries are reported each year costing the University approximately $70 million in annual workers compensation claim payments. We are constantly looking for ways to reduce workers compensation costs while maintaining a quality program for all our employees. This article will highlight two areas in which we have recently had success in mitigating workers compensation costs. Keeping Employees Healthy and Strong The WorkStrong program was implemented systemwide in October This is an occupational wellness initiative designed to promote recovery and prevent future workplace injuries. Improving one s overall health and wellness can result in fewer workplace injuries, a quicker recovery when injured, less long-term pain and disability, and prevent recurrence of injuries. WorkStrong programs are designed to fit the specific needs of an individual with the goal to improve overall health and wellness. The specific program may include some or all of the following: Fitness and post rehabilitation training Nutrition and weight management training Life balance and stress reduction Managing chronic condition(s) Continued on page 6 3

4 Let There Be Light UCOP Risk Services Announces the Formation of Fiat Lux, an ERM Innovation Enterprise Risk Management (ERM) is all about finding transformative and variant approaches to assessing and managing risk. In the Fall of 2012 the Regents of the University of California, in collaboration with the Office of Risk Services, successfully formed a captive insurance company, the Fiat Lux Risk and Insurance Company (Fiat Lux). The Captive Development Process Captive insurance technologies provide the University the flexibility to meet its risk management objectives, including lowering costs and enhancing coverage. Captives provide an alternative funding mechanism when coverage breadth or capacity in the commercial insurance market does not meet our needs. Utilization of a captive does not represent a change in risk retention on the part of the Office of Risk Services, it simply allows for a more effective execution of risk retention practices. The UC has partnered with Willis Global Captive Practice to manage the Fiat Lux captive. The Willis Global Captive Practice manages more than 350 captives worldwide and provides expertise in designing, forming, managing and providing strategic guidance to captives of all types in all major captive domiciles. Once Fiat Lux is established and writing initial coverages, other key elements in the UC s ERM program will be considered for expanded captive utilization: University Controlled Insurance Programs (UCIPs) and Professional Errors and Omissions for construction; Medical Malpractice for community physicians; Student, Alumni, and Affiliate insurance initiatives; areas of risk where there is little or limited commercial capacity; and special or unique needs for the UC. Types of Captive Utilization The new UC captive insurance company is named after the University of California s official motto, Fiat Lux, Latin for Let There Be Light. A captive is a limited purpose, licensed insurance company; the main business purpose of which is to insure the risks of the captive s owner (UC), who is also its principal beneficiary. The captive insurance company owner has direct involvement in and influence over the captive s major operations, including underwriting, claims management, policy form and investments. Fiat Lux operates by and for the UC. The Fiat Lux Risk and Insurance Company s mission is to enable the University faculty, staff, and students to identify and manage risks associated with their activities, consistent with the University s missions of teaching, research, patient care, and public service. By strategically managing risk we can reduce the chances of loss, create greater financial stability, and protect our resources. The Captive plays a significant role in enabling the ERM program. 4

5 UC s ERM Tools are Going Around the World Our ERM programs are designed to engage everyone in the effort to understand their own risks and identify opportunities. It is gratifying to know that the innovative tools we have developed have earned the respect of major public and private organizations worldwide. Grace Crickette, Chief Risk Officer to advance forward at the UC and innovative ideas are brought to fruition, the UC is emerging as a leader in ERM for the rest of the world to follow. Go to to learn more about enterprise risk management and review UC ERM tools. Enterprise Risk Managers in Business and Education Consult the UC Model The Office of the President, Risk Services website has become a major source for enterprise risk management (ERM) information and tools. Organizations seeking to implement ERM find the Risk Services website to be a valuable resource to help them get started. These visitors have more than two million pageviews and include government agencies such as the U.S. Military, NASA, and the Department of Homeland Security, as well as large corporations such as Amazon and Boeing. During the last two years; January 1, 2011 through December 31, 2012; there were 432,714 visits (592 visits per day) and 2,110,598 page-views (2,887 page views per day). The website has attracted visitors from throughout the U.S. and over 200 countries all over the world: The U.S. comprises 56.08% (242,645 visits) of total traffic, with a majority of the traffic coming from California (47.51% or 115,273 visits) China comprises 4.34% (18,776 visits) of total traffic Bosnia-Herzegovina/Serbia/Croatia/Slovenia/Macedonia/Montenegro totals 4.05% (17,537 visits) India represents 3.05% (13,199 visits) Australia comprises 2.81% (12,156 visits) The United Kingdom rounds out the top five non-u.s. countries visiting with 2.59% (11,189 visits) Some of the top non-education organizations visiting the website were the U.S. Army, Navy, Air Force, and Marine Corps; Boeing; NASA; Amazon.com; Australian Department of Defence; and the U.S. Department of Homeland Security. The ERM website was also visited frequently by other educational institutions including Harvard University; Stanford University; New York University; Indiana University; and Kenya Education Network. The resources available on the ERM website include a number of risk assessment tools which are available for download upon request. In exchange for free access to the tools, they must complete a survey and provide information on their intended use of the tools. During the fiscal year , Risk Services received download requests from 40 outside organizations. Some of the most notable organizations requesting the risk assessment tools were Capital One, Certex, Amgen, and World Vision India. Developing a risk governance program and gaining a deeper understanding of risk identification, assessment, and control were the most common answers for use of the tools. ERM is one of the top ten popular sites on the UC Office of the President website. As ERM continues Last year s UC Risk Summit had the largest turnout to date with more than 800 attendees. This year s event promises to be equally exciting and informative as we continue Working Smarter to create a stronger UC. Risk Summit sessions cover enterprise risk management activities and strategies throughout the entire UC system. It is an opportunity to learn new skills, gain new perspectives, share best practices, and compare experiences with your colleagues from other UC campuses and medical centers. Go to risk-summit.html and bookmark the page to stay informed about the 2013 Risk Summit! 5

6 From medical centers, laboratories and classrooms to loading docks, maintenance facilities and housing and dining units, UC s diverse work environments present a myriad of workplace-related risks. Keeping UC workplaces safe protects people and minimizing financial loss enables the University to sustain its mission. Hands Free Driving, from page 1 The California Office of Traffic Safety conducted a statewide opinion survey in which 62% of respondents stated that texting and talking were the biggest safety concerns on California roadways and 84% stated cell phone conversations or texting while driving constitute the most serious distractions while driving. This is a clear indication that California drivers see this as being a significant traffic safety threat. Whenever the driver s attention is taken away from the road, even for just a split second, it could be disastrous for pedestrians and other motorists. Just because your eyes are on the road does not mean you are paying full attention to driving. Distracted driving is dangerous and no cell phone call or text is worth the cost of a life. For more information on California safe driving practices, visit www. dmv.ca.gov/cellularphonelaws/ Workers Compensation Risk, from page 3 Workplace safety and ergonomic assessment Behavior modification strategies and tools We have had success stories associated with the program and positive feedback from our employees. One success involves an injured worker facing a second shoulder surgery. He participated in the WorkStrong program, followed a gym regime and a change in his eating habits. He completed a successful program which resulted in no further surgery needed. He continues to work out three times a week on his own and eats healthier. This is from someone whom loved chips and soda and did not exercise before. He has motivated his co-workers and family and all are benefiting from the sharing of his success and knowledge another life changing experience at UC! This success illustrates how WorkStrong provides a range of benefits that can touch lives in positive ways at work and home. It provides the extra care, resources, and lifestyle choices that reward employees with the ability to participate, contribute, profit and enjoy. It builds strength and empowers success. Fighting Back Against Fraud Workers Compensation fraud is a major threat against California consumers as well as for all employers. The University of California is no exception. Fraudulent claims harm employers by contributing to the high cost of workers compensation. It harms employees by undermining the perceived legitimacy of all workers compensation claims. Workers compensation fraud can increase the cost of doing business as well as increase health care costs and the cost of insurance for all Californians. Employee fraud includes, but is not limited to: Working in an unreported second job while collecting Workers Compensation temporary disability benefits. Providing false information to the employer, insurance company or physician(s) to secure Workers Compensation benefits. (Example: Exceeding restrictions to include not limited to walking without crutches while alleging crutches are needed at all times). Staging an accident/injury to secure Workers Compensation benefits. (Example: Monday morning alleged accident back injury all co-workers were aware the employee moved over the previous weekend.) Altering prescription from physician for medication. (Example: Changing prescription from 30 tablets to 80 tablets - constituting a criminal violation of the health and safety code.) Reporting the same injury to two separate employers and receiving benefits from each making misrepresentations to each employer. The University and its third party claims administrator, Sedgwick Claims Management, have engaged a strategic partner, Probe Information Services, to assist in the efforts to reduce workers compensation fraud. The Sedgwick team was proactive in identifying suspicious claims and Probe immediately initiated the evidence gathering that resulted in the following fraud fighting successes in 2012: Convictions for Workers Compensation fraud 3 Arrests/Criminal Charges 2 Criminal investigation ongoing 5 Days in jail 31 Restitution ordered to UC $15,065 A recent successful prosecution involved an employee who alleged upper extremity injuries and further indicated the personal restrictions would not allow this individual to even hold a glass of water. Surveillance indicated the individual was very active and operating a business. The employee was prosecuted for felony insurance fraud and was ordered to pay $11,768 in restitution, serving 30 days in county jail and 5 years probation. Conviction and monetary restitution are not the only means of reducing workers compensation costs as illustrated by the following two incidents: An employee on disability was captured on film performing work that the employee was allegedly unable to perform. When questioned, the employee made misrepresentations about participation. The film was reviewed and resulted in the employee being released to return to work full duty. An employee alleged work stress. Upon some background investigation, it was determined the employee was involved in personal civil litigations and divorce within the past year. It was found that these other factors were the cause of the stress and no workers compensation benefit was paid. The key to reducing Workers Compensation fraud is timely communication between the claims administrator, Workers Compensation office, treating physician s office, special investigation unit and district attorney s office. Communication is critical to successful prosecution. Keeping employees healthy and strong and fighting back on fraud are just a few of the ways the University is striving to mitigate workers compensation costs and save vital funding for education, research, patient care, and public service. 6

7 Spotlight on Risk Services Staff The Office of Risk Services team welcomes two new Program Managers dedicated to improving efficiency and reducing the cost of risk throughout the UC system Angela DeBortoli, Program Manager, Workers Compensation Angela is responsible for oversight and management of workers compensation claims system-wide. She comes to UC with expertise and knowledge having worked in the Workers Compensation arena since Angela states, I love Workers Compensation. There is never a dull moment. We are in the business to take care of our employees if they are injured get them back to work see what we can do to ensure that type of injury does not occur again. Simply, Be Smart About Safety!! The University s Workers Compensation Program covers approximately 190,000 faculty and staff, and responds to thousands of work-related injuries each year whether in California, other states, or foreign countries. The program funds many loss control and loss prevention initiatives to reduce the cost of risk associated with work-related injuries. There have been many successes to support the value of these initiatives. Having such a robust program, how might we improve? Angela stated The program in place currently is very well implemented and iron clad. I might consider some minor house cleaning items only to enhance what is already in place. This should ensure reduction in overall per claim cost and early resolution/closure of claims throughout the University system and keep to our goal of reduction of overall cost in the Worker s Compensation program. This program currently offers so much, such as WorkStrong, it is superior! Hands down it clearly shows we care for our employees health and well being now and in the future. With our aging workforce as well as repetitive duty work, WorkStrong is a great benefit to the overall reduction to cost. We have an awesome Risk Management Team with a wealth of information sharing for all lines of business by partnering and managing risk we can reduce the overall cost to stay in line with UC s mission. Risk Services Today is published by UC Office of the President 2013, Regents of the University of California Brenda Lillington, Program Manager, Professional Medical and Hospital Liability Brenda is responsible for management of medical malpractice claims systemwide. She previously worked at UCSF Medical Center Risk Management for close to four years. Prior to her work at UCSF she handled general liability cases and complex business litigation for 14 years as an attorney. Brenda states, I really enjoyed my years in litigation, but going into risk management was a natural progression for me. I worked in-house for a transportation company for a number of years, and that job involved working closely with the risk management team. I saw various programs implemented to prevent claims, and became interested in that aspect of claim management because of the proactive, positive nature of it. I loved working in the Risk Management Department at UCSF because of that. I also love the challenge of working with providers, claim specialists, attorneys, and others in assessing claims, strategically defending them, as well as the fast paced nature of dealing with situations that arise. The University s Professional Medical & Hospital Liability Program has management and oversight of medical malpractice risks across the University s 10 campuses, 18 health sciences schools, 10 medical centers and numerous clinics. The program provides and supports loss control and loss prevention assistance and initiatives to proactively support patient safety at our medical facilities. How can we strengthen our program? Brenda stated, I would like to continue the efforts in trying to reach more consensus and uniform practices among the medical centers. Our risk managers have strength in a lot of areas and a broad base of expertise. Encouraging and helping them to share information and best practices can only strengthen our professional liability program. 7

Workers Compensation Claim Fraud

Workers Compensation Claim Fraud Workers Compensation Claim Fraud Small businesses don t have to be insurance experts to realize the many potential benefits associated with taking a strategic approach to workers compensation and risk

More information

I choose to be smoke-free. A Workplace Guide for Employers

I choose to be smoke-free. A Workplace Guide for Employers I choose to be smoke-free. A Workplace Guide for Employers Committed to a Healthier Mississippi. Table of Contents Preface...1 Questions & Answers...2-3!...4-10 Sample Workplace Survey...11 The scientific

More information

TRUST BOARD - 25 April 2012. Health and Safety Strategy 2012-13. Potential claims, litigation, prosecution

TRUST BOARD - 25 April 2012. Health and Safety Strategy 2012-13. Potential claims, litigation, prosecution def Agenda Item: 8 (i) TRUST BOARD - 25 April 2012 Health and Safety Strategy 2012-13 PURPOSE: To present to the Board the Trust Health and Safety Strategy 2012-13 PREVIOUSLY CONSIDERED BY: Health and

More information

Workers Compensation Strategies That Will Positively Influence Your Bottom Line

Workers Compensation Strategies That Will Positively Influence Your Bottom Line GDI INSURANCE AGENCY, INC S MONEY-SAVING WORKERS COMPENSATION TIPS Workers Compensation Strategies That Will Positively Influence Your Bottom Line Provided by: GDI Insurance Agency, Inc. 801 Geer Road

More information

Benefits Guide. Information for the Injured Worker

Benefits Guide. Information for the Injured Worker Benefits Guide Information for the Injured Worker The purpose of this benefits guide is to help you learn what to expect if you ever need workers compensation benefits. Recovering from a work injury can

More information

Insurance protection for employees abroad

Insurance protection for employees abroad Insurance protection for employees abroad Insurance protection for employees abroad The recent political upheaval in the Middle East and the unprecedented catastrophe in Japan highlight the issues companies

More information

SAFETY IN THE WORKPLACE By Sharon A. Stewart. January 28, 2005. The Occupational Safety and Health Act (OSHA) includes a General Duty Clause

SAFETY IN THE WORKPLACE By Sharon A. Stewart. January 28, 2005. The Occupational Safety and Health Act (OSHA) includes a General Duty Clause SAFETY IN THE WORKPLACE By Sharon A. Stewart January 28, 2005 The Occupational Safety and Health Act (OSHA) includes a General Duty Clause requiring employers to "furnish a place of employment which is

More information

Sample Communication to Employees

Sample Communication to Employees Sample Communication to Employees Agency Letterhead This agency is committed to providing a safe work environment for all employees. To that end, I am sharing our agency safety policy statement as a reminder

More information

Fraud. Baldomero Gonzalez. Our reputation for excellence is no accident. TM

Fraud. Baldomero Gonzalez. Our reputation for excellence is no accident. TM Fraud Baldomero Gonzalez Workers Compensation Fraud It is estimated that ten percent of all claims, nearly $31 billion dollars, is paid annually in fraudulent workers compensation claims. Workers compensation

More information

Workplace Solutions. from the American Cancer Society. Strategies for Promoting and Implementing a Smoke-free Workplace

Workplace Solutions. from the American Cancer Society. Strategies for Promoting and Implementing a Smoke-free Workplace Strategies for Promoting and Implementing a Smoke-free Workplace Introduction Businesses are becoming increasingly sensitive to health and safety practices at the workplace that protect employees. Tobacco

More information

Quick Guide to Workers Compensation for Small Business

Quick Guide to Workers Compensation for Small Business Quick Guide to Workers Compensation for Small Business Do I Need Workers Compensation Coverage? Generally speaking, businesses must obtain workers compensation coverage if they have employees that are

More information

VITAL CHOICES: DRINKING, DRIVING & SEAT BELTS

VITAL CHOICES: DRINKING, DRIVING & SEAT BELTS VITAL CHOICES: DRINKING, DRIVING & SEAT BELTS This easy-to-use Leader s Guide is provided to assist in conducting a successful presentation. Featured are: INTRODUCTION: A brief description of the program

More information

WORKERS COMPENSATION RETURN TO WORK PROGRAM

WORKERS COMPENSATION RETURN TO WORK PROGRAM WORKERS COMPENSATION RETURN TO WORK PROGRAM Contents GOAL of your Workers Compensation Return to Work Program...2 BENEFITS of your Workers Compensation Return to Work Program...3 SET UP your Workers Compensation

More information

Injury and Work- Related Illness Prevention Program

Injury and Work- Related Illness Prevention Program Associated Students, California State University, Northridge, Inc. Injury and Work- Related Illness Prevention Program 1. PURPOSE STATEMENT It is the intention of the Associated Students, California State

More information

SAFETY GUIDANCE MATERIAL

SAFETY GUIDANCE MATERIAL SAFETY GUIDANCE MATERIAL SAFETY MANAGEMENT MONDAY MARCH 23,GUIDANCE 2015 This safety resource was written for the scrap industry by the scrap industry and was developed to assist you in making your scrap

More information

WELCOME TO STRAITH HOSPITAL FOR SPECIAL SURGERY OUR PHILOSOPHY JOINT NOTICE OF PRIVACY PRACTICES

WELCOME TO STRAITH HOSPITAL FOR SPECIAL SURGERY OUR PHILOSOPHY JOINT NOTICE OF PRIVACY PRACTICES WELCOME TO STRAITH HOSPITAL FOR SPECIAL SURGERY During your stay with us, our goal is to make your hospital experience as favorable as possible by providing information and open channels of communication.

More information

EXECUTIVE SAFETY LEADERSHIP

EXECUTIVE SAFETY LEADERSHIP EXECUTIVE SAFETY LEADERSHIP EXECUTIVE SUMMARY This guide offers clear explanations of health and safety concepts that are important to executives and board members, and provides practical solutions that

More information

Saving Lives, Saving Money. A state-by-state report on the health and economic impact of comprehensive smoke-free laws

Saving Lives, Saving Money. A state-by-state report on the health and economic impact of comprehensive smoke-free laws Saving Lives, Saving Money A state-by-state report on the health and economic impact of comprehensive smoke-free laws 2011 Table of Contents Executive Summary...............................................................................2

More information

Information for Worker s Compensation Clients

Information for Worker s Compensation Clients Information for Worker s Compensation Clients Overview of the Worker s Compensation Act Indiana Worker s Compensation cases are governed by a State law known as the Worker s Compensation Act. The legislature

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured?

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

More information

Young Singles Considerations

Young Singles Considerations Young Singles Considerations As a young single, you re on your own without parental support for the first time. You could be finishing college, or you may be looking for or starting a new job. This stage

More information

What are the benefits?

What are the benefits? Case Study provides onsite medical services for improved care and increased savings. Oil & Gas Medical Services Overview Accessible, quality medical care for healthier employees! s system of delivering

More information

Baylor University Department of Risk Management. Medical, Property & Liability Insurance Information for Employees & Students Traveling Abroad

Baylor University Department of Risk Management. Medical, Property & Liability Insurance Information for Employees & Students Traveling Abroad Most Americans travel to foreign countries and return home without experiencing any negative incidents or emergency situations while they are abroad. Even if problems or emergencies are not expected, Baylor

More information

Get healthy. Stay healthy. Kaiser Permanente. Kaiser Permanente. Health Plan. kp.org

Get healthy. Stay healthy. Kaiser Permanente. Kaiser Permanente. Health Plan. kp.org Get healthy. Stay healthy. Kaiser Permanente Kaiser Permanente Student Student Health Plan Health Plan w i t h d e d u c t i b l e kp.org Table of Contents The Basics 3 How It Works 4 Frequently Asked

More information

Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4

Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4 Table of Contents Introduction: What Are Voluntary Benefits?... 3 Traditional Voluntary Benefits... 4 Short-term Disability Insurance... 5 Long-term Disability Insurance... 7 Critical Illness Insurance...

More information

19. Injury, Accident, and Loss Reporting

19. Injury, Accident, and Loss Reporting 19. Injury, Accident, and Loss Reporting Overview This section discusses the following topics: Where to Report Claims Reporting Workers Compensation Illnesses and Injuries Reporting Automobile Accidents

More information

Volunteer Return to Work

Volunteer Return to Work Volunteer Return to Work Volunteer Modified Duty Handbook Workers Compensation Fund toll-free: 1.800.446.2667 web: www.wcfgroup.com Although preventing injuries is the best way to control workers compensation

More information

APRIL 2015 SECTION I - 1. Section I: Introduction and Overview

APRIL 2015 SECTION I - 1. Section I: Introduction and Overview Section I: Introduction and Overview About Us... I-2 Resources... I-3 Sharp Health Plan s Responsibilities... I-4 Service Area... I-4 Compliance Program... I-4 Health Care Fraud, Waste, and Abuse Prevention...

More information

Kids, Cars and. Cigarettes: A Brief Look at Policy Options for Smoke-Free Vehicles

Kids, Cars and. Cigarettes: A Brief Look at Policy Options for Smoke-Free Vehicles Kids, Cars and Cigarettes: A Brief Look at Policy Options for Smoke-Free Vehicles Public Health Law Center 875 Summit Avenue St. Paul, Minnesota 55105-3076 651.290.7506. Fax: 651.290.7515 www.publichealthlawcenter.org

More information

Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs)

Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs) Managing the Care and Return to Work of Injured Workers (and controlling your Workers Compensation Costs) This Guide was developed to provide you with valuable information regarding our managed care program,

More information

NWCC RAP Program Photographer Janice Gilbert. A Supervisor s Guide to Managing Workplace Injuries

NWCC RAP Program Photographer Janice Gilbert. A Supervisor s Guide to Managing Workplace Injuries NWCC RAP Program Photographer Janice Gilbert A Supervisor s Guide to Managing Workplace Injuries Contents Introduction... 2 Supervisors Module: Managing Workplace Injuries... 3 Insurance Premiums How it

More information

WORKERS COMPENSATION CLAIM KIT. Workers Compensation That Works...With You and For You.

WORKERS COMPENSATION CLAIM KIT. Workers Compensation That Works...With You and For You. WORKERS COMPENSATION CLAIM KIT Workers Compensation That Works...With You and For You. CNA ASAP Now, One Phone Call, Fax or E-mail Can Get Results ASAP, 24 Hours a Day, Seven Days a Week Toll Free: 877-CNA-ASAP

More information

The Essentials of Church Insurance

The Essentials of Church Insurance The Essentials of Church Insurance By Jerry J. Sparks www.agfinancial.org/insurance 866.662.8210 The Essentials of Church Insurance What coverage does your church need? Churches have become increasingly

More information

THE GLOVE COMPARTMENT COMPANION ACCIDENTS HAPPEN. What Should You Do When They Happen To You? SPONSORED BY THE. Hunt Law Firm

THE GLOVE COMPARTMENT COMPANION ACCIDENTS HAPPEN. What Should You Do When They Happen To You? SPONSORED BY THE. Hunt Law Firm THE GLOVE COMPARTMENT COMPANION ACCIDENTS HAPPEN What Should You Do When They Happen To You? SPONSORED BY THE Hunt Law Firm 337-310-9111 www.huntlawfirm.com KEEP THIS GUIDE IN YOUR GLOVE COMPARTMENT AT

More information

Quick Guide to Workers Compensation

Quick Guide to Workers Compensation Quick Guide to Workers Compensation What Is Workers Compensation Insurance? Workers compensation insurance covers businesses for their statutory and legal obligations for employee expenses that are a direct

More information

Breathing Easier In Tennessee: Employers Mitigate Health and Economic Costs of Chronic Obstructive Pulmonary Disease

Breathing Easier In Tennessee: Employers Mitigate Health and Economic Costs of Chronic Obstructive Pulmonary Disease Breathing Easier In Tennessee: Employers Mitigate Health and Economic Costs of Chronic Obstructive Pulmonary Disease By John W. Walsh, Co-Founder and President of the COPD Foundation Breathing Easier In

More information

In January 2012, Connecticut became the

In January 2012, Connecticut became the Employee Benefits & Workers Comp News 300 Montgomery Street Suite 450 San Francisco, CA 94104 415-820-2200 www.pennbrookinsurance.com Leave Benefits December 2012/January 2013 Volume 22 Number 6 Sick Leave

More information

Care Providers Protecting your organisation, supporting its success. Risk Management Insurance Employee Benefits Investment Management

Care Providers Protecting your organisation, supporting its success. Risk Management Insurance Employee Benefits Investment Management Care Providers Protecting your organisation, supporting its success Risk Management Insurance Employee Benefits Investment Management Care providers are there to help those in need. But who helps the care

More information

A guide on how to optimally structure your employee benefits to provide a financially sound future for your employees through Discovery Life.

A guide on how to optimally structure your employee benefits to provide a financially sound future for your employees through Discovery Life. A guide on how to optimally structure your employee benefits to provide a financially sound future for your employees through Discovery Life. DISCOVERY LIFE CAN HELP YOU PREPARE YOUR EMPLOYEES FOR LIFE

More information

SECTION 20 RISK MANAGEMENT AND LEASES. Policy Sequence 20-000

SECTION 20 RISK MANAGEMENT AND LEASES. Policy Sequence 20-000 SECTION 20 RISK MANAGEMENT AND LEASES Policy Sequence 20-000 Aug 2012 LEASES Policy # 20-000.1 PURPOSE The Foundation enters into leases on behalf of Projects and Campus Program accounts. A Lease may be

More information

LEVY COUNTY Community Health Improvement Plan Prepared by the Florida Department of Health in Levy County 2013 Update Originally prepared September

LEVY COUNTY Community Health Improvement Plan Prepared by the Florida Department of Health in Levy County 2013 Update Originally prepared September LEVY COUNTY Community Health Improvement Plan Prepared by the Florida Department of Health in Levy County 2013 Update Originally prepared September 2012 Table of Contents Executive Summary... 3 MAPP Process......

More information

Your Quick Reference for Florida Auto Accident Law

Your Quick Reference for Florida Auto Accident Law Call Us Now (813) 269-7421 FREE Consultation Your Quick Reference for Florida Auto Accident Law At the Law Offices of Martin Schwartz, we are here to take care of your legal needs in the aftermath of an

More information

Accident Analysis and Claim Prevention Tools

Accident Analysis and Claim Prevention Tools Accident Analysis and Claim Prevention Tools Michael J. Case Baldwin & Lyons, Inc. Al Daoud Baldwin & Lyons, Inc. ACCIDENT ANALYSIS AND CLAIM PREVENTION TOOLS + In a perfect world there would be no errors

More information

Shell Oil Company. 2013 US Summary of Benefits

Shell Oil Company. 2013 US Summary of Benefits Shell Oil Company 2013 US Summary of Benefits The information presented in this document is a high level overview of benefits offered to eligible regular full-time and regular part-time Shell and Motiva

More information

The facts about mobile phones and driving

The facts about mobile phones and driving The facts about mobile phones and driving The facts about mobile phones and driving 1 Use of mobile phones while driving policy Employee safety, health and wellbeing is of the highest importance to us.

More information

HOW TO ENROLL ELIGIBILITY IMPORTANT INFORMATION ABOUT OUR NEW VOLUNTARY BENEFITS PLATFORM

HOW TO ENROLL ELIGIBILITY IMPORTANT INFORMATION ABOUT OUR NEW VOLUNTARY BENEFITS PLATFORM YOUR 2014 VOLUNTARY BENEFITS Protecting your financial well-being is just as important as taking care of your health. In addition to the core benefits Carolinas HealthCare System offers, such as medical,

More information

The Voluntary, Community and Social Enterprise Sector - an insurance guide for individuals and organisations

The Voluntary, Community and Social Enterprise Sector - an insurance guide for individuals and organisations The Voluntary, Community and Social Enterprise Sector - an insurance guide for individuals and organisations Contents Foreword Introduction 1. Section 1 - Insurance required by law 1.1 Employers liability

More information

Sixty Best Practices In Sixty Minutes

Sixty Best Practices In Sixty Minutes Sixty Best Practices In Sixty Minutes Midwest Employers Casualty Company Jacque Jones, Regional Sales Vice President Anjie Severo, Client Services Account Manager Topics for Discussion What are Best Practices

More information

A simple guide to Life Insurance

A simple guide to Life Insurance A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...

More information

The Benefits of a Creating a Healthy Work Environment

The Benefits of a Creating a Healthy Work Environment Eaton County Substance Abuse Advisory Group (ECSAAG) Barry-Eaton District Health Department The Benefits of a Creating a Healthy Work Environment This presentation includes: Harmful affects of alcohol,

More information

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE.

FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. FREE SPECIAL REPORT WANT TO PROTECT YOUR FAMILY? WHAT YOU ABSOLUTELY, POSITIVELY HAVE TO KNOW WHEN BUYING CAR INSURANCE. Keep reading to learn What are your chances of having an accident in Kentucky with

More information

Get to know USAble Life

Get to know USAble Life Get to know USAble Life strong. stable. partner. USABLELIFE-BR (8-12) get to know us USAble Life is committed to providing our partners and our customers with well-designed products, superior service,

More information

Are your profits going up in smoke?

Are your profits going up in smoke? How your organisation can improve productivity and profit by having a smoke-free, happy, healthy workforce. Kerry Barnard Amor B.Sc. D.Ed. Ct.Hyp barnardmindsolution.com.au Copyright Kerry Barnard Amor

More information

UC HASTINGS POLICY # : Dogs on Campus

UC HASTINGS POLICY # : Dogs on Campus UC HASTINGS POLICY # : Dogs on Campus Issuing Officer: Chancellor and Dean Frank H. Wu Responsible Department: Human Resources, Department of Public Safety Effective Date 7/1/2014 Supersedes: Campus Policy

More information

Employer s Guide to. Best Practice Return to Work for a Stress Injury

Employer s Guide to. Best Practice Return to Work for a Stress Injury Employer s Guide to Best Practice Return to Work for a Stress Injury Employers Guide to Best Practice Return to Work for a Stress Injury 1. Early Intervention 2. Claim Lodged 3. Claim Acceptance 4. Return

More information

Workplace Safety and Catastrophe Management Practice Group

Workplace Safety and Catastrophe Management Practice Group Workplace Safety and Catastrophe Management Practice Group www.laborlawyers.com The Fisher & Phillips LLP Workplace Safety and Catastrophe Management Practice Group provides strategic assistance to employers

More information

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY I. WHAT IS WORKERS COMPENSATION?... 2 II. WORKERS COMPENSATION BENEFITS... 3 III. INSURANCE REQUIREMENTS... 4 Types of Coverage Definition of Employee

More information

Utah Labor Commission Industrial Accidents Division. Employers Guide to. Workers Compensation

Utah Labor Commission Industrial Accidents Division. Employers Guide to. Workers Compensation 2015 2016 Utah Labor Commission Industrial Accidents Division E m p l o y e r s G u i d e Employers Guide to Workers Compensation Utah Labor Commission Industrial Accidents Division Employers Guide to

More information

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today.

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance

More information

Workers Compensation Claims Services Favorable Outcomes for Employers and Employees

Workers Compensation Claims Services Favorable Outcomes for Employers and Employees Workers Compensation Claims Services Favorable Outcomes for Employers and Employees Medical Case Management Resources Preferred Medical Provider Networks Nurse Case Managers Pharmacy Benefit Management

More information

INJURY AND ILLNESS PREVENTION PROGRAM. For SOLANO COMMUNITY COLLEGE DISTRICT

INJURY AND ILLNESS PREVENTION PROGRAM. For SOLANO COMMUNITY COLLEGE DISTRICT INJURY AND ILLNESS PREVENTION PROGRAM For SOLANO COMMUNITY COLLEGE DISTRICT Adopted: August 1992 Updated: January 2004 Updated: January 2006 Updated: January 2009 TABLE OF CONTENTS INTRODUCTION... 1 GOALS...

More information

What You Should Know About Your Workers Compensation Rights. KELLEY & FERRARO Attorneys at Law 888.839.8479

What You Should Know About Your Workers Compensation Rights. KELLEY & FERRARO Attorneys at Law 888.839.8479 KELLEY & FERRARO Attorneys at Law 888.839.8479 What You Should Know About Your Workers Compensation Rights REGARDING OCCUPATIONAL DISEASES, INCLUDING EXPOSURE TO ASBESTOS AND OTHER TOXIC SUBSTANCES Kelley

More information

Helping staff back to work

Helping staff back to work Helping staff back to work Guidance for senior executives Senior executives in all types of organisation like to describe the people who work for them as their greatest assets. It is, therefore, in the

More information

Thank you for choosing CNA

Thank you for choosing CNA Thank you for choosing CNA As every employer knows, workers compensation is a significant cost of doing business, not only in actual dollars, but in lost work days and reduced productivity. In order to

More information

Texas Mutual Insurance Company. The Employer s Guide to Workers Comp

Texas Mutual Insurance Company. The Employer s Guide to Workers Comp Texas Mutual Insurance Company The Employer s Guide to Workers Comp 2013-2014 Table of Contents n Workers Comp: What Is It, and Why Do You Need it? 1 n Legal protection for you 1 n Medical and income benefits

More information

Introduction...2. Or Occupational Disease...3. Workers Compensation Benefits...5. Prescription Processing Services...6. Payroll Procedures...

Introduction...2. Or Occupational Disease...3. Workers Compensation Benefits...5. Prescription Processing Services...6. Payroll Procedures... Table Of Contents Introduction...2 Procedures For Reporting A Work-Related Injury Or Occupational Disease...3 Workers Compensation Benefits...5 Prescription Processing Services...6 Payroll Procedures...6

More information

Safety-conscious Drivers Prevent Crashes. Defensive Driving: Managing Visibility, Time and Space. Improve Your Defensive Driving Skills

Safety-conscious Drivers Prevent Crashes. Defensive Driving: Managing Visibility, Time and Space. Improve Your Defensive Driving Skills Defensive Driving: Managing Visibility, Time and Space Motor vehicle travel is the primary means of travel in the United States. With all the benefits that come along with mobility, there are thousands

More information

Who Administers the Workers Compensation Program and Related Responsibilities?

Who Administers the Workers Compensation Program and Related Responsibilities? What is Workers Compensation? Who Administers the Workers Compensation Program and Related Responsibilities? Who is Eligible for Workers Compensation? What Coverage is Provided? What is a Compensable Injury?

More information

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S T H E S TAT E B A R O F C A L I F O R N I A WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? GET THE L E G A L F A C T S O F L I F E What should I do if I have an 1 a u t o a c c i d e n t? If I have an auto

More information

International Insurance Brokerage. Global risks demand global insurance solutions

International Insurance Brokerage. Global risks demand global insurance solutions e pat financial Global Financial Security International Insurance Brokerage Global risks demand global insurance solutions Table of Contents Introduction About Us Risk Solutions Why Expat Financial International

More information

Acalanes Union HSD Board Policy Work-Related Injuries

Acalanes Union HSD Board Policy Work-Related Injuries Board Policy BP 4157.1 District employees shall be insured for on-the-job specific or cumulative injuries in accordance with law. In order to reduce costs and facilitate employee recovery, the Governing

More information

Princeton University Work-Related Injury Management Frequently Asked Questions for Supervisors

Princeton University Work-Related Injury Management Frequently Asked Questions for Supervisors Princeton University Work-Related Injury Management Frequently Asked Questions for Supervisors Section 1: Short-Term Disability and Workers Compensation... 2 Section 2: Reporting Injuries and Seeking Medical

More information

ISSUEBrief. Reducing the Burden of Smoking on Employee Health and Productivity. Center for Prevention

ISSUEBrief. Reducing the Burden of Smoking on Employee Health and Productivity. Center for Prevention Center for Prevention and Health ISSUEBrief Services Volume I, Number 5 Reducing the Burden of Smoking on Employee Health and Productivity This issue brief summarizes information presented during the fifth

More information

GET IT IN WRITING. PARENTS ARE THE KEY TO SAFE TEEN DRIVING. LEARN HOW.

GET IT IN WRITING. PARENTS ARE THE KEY TO SAFE TEEN DRIVING. LEARN HOW. GET IT IN WRITING. Don t just talk about safe driving; set your family s own driving rules and get your teen to agree to them in writing through a Parent-Teen Driving Agreement. Put a copy of your agreement

More information

Clarkson University Environmental Health & Safety Program Overview

Clarkson University Environmental Health & Safety Program Overview Clarkson University Environmental Health & Safety Program Overview Mission Clarkson University is committed to maintaining a safe living, learning, and working environment and to furnishing a workplace

More information

LESSONS OF AN EXPERIENCED NEW YORK BIKE ACCIDENT LAWYER

LESSONS OF AN EXPERIENCED NEW YORK BIKE ACCIDENT LAWYER April 2009 BIKING IN NYC LESSONS OF AN EXPERIENCED NEW YORK BIKE ACCIDENT LAWYER The Perils Of Bicycle Riding In New York City- Here s What You Need To Know EVER BEEN DOORED? I have. EVER BEEN CUT OFF

More information

Restitution Basics for Victims of Crimes by Adults

Restitution Basics for Victims of Crimes by Adults Restitution Basics for Victims of Crimes by Adults If you are the victim of a crime, you have a right to be repaid for losses that resulted from the crime. This booklet will help you understand: How to

More information

Secure The Success of Your Company with Business Insurance

Secure The Success of Your Company with Business Insurance Secure The Success of Your Company with Business Insurance Table of Contents Introduction... 1 Business Liability... 2 Business Property... 2 Business Personal Property... 2 Workers Compensation... 2 Group

More information

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the

Changing Tort Reform In Kentucky Christel Siglock. By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the Changing Tort Reform In Kentucky Christel Siglock By changing its current No-Fault and Tort law options, Kentucky could; 1) Reduce the number of lawsuits filed, 2) Thus reducing insurance company payouts

More information

Think about health and safety. What elected members of local authorities need to know

Think about health and safety. What elected members of local authorities need to know Think about health and safety What elected members of local authorities need to know What does health and safety mean to you? This? Remember that there s much more to health and safety Why think about

More information

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com

(404) 919-9756 david@davidbrauns.com www.davidbrauns.com You are probably reading this guide because you were recently in an automobile accident. Now you are faced with some difficulties. The tasks of managing your care and your insurance claim can be confusing

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE ABROAD Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too:

More information

Irvine Police Victim Advocate s Office 949-724-7274

Irvine Police Victim Advocate s Office 949-724-7274 Irvine Police Victim Advocate s Office 9497247274 View this Resource Guide online at www.cityofirvine.org/pd/info_center/victim_service.asp 1 Irvine Police Victim Advocate s Office 9497247274 1 Irvine

More information

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied.

Accumulation Period A period of months that begins on the first day of disability and during which the Elimination period must be satisfied. Accumulation of Days of Disability In better disability policies, the Elimination Period days do not need to be consecutive. They may be accumulated, assuming each period of disability is not separated

More information

long term disability benefits for employees that benefit employers

long term disability benefits for employees that benefit employers long term disability benefits for employees that benefit employers Long Term Disability voluntary Although Americans lose millions of workdays each year to disabilities, too many of us think It won t happen

More information

made simple Personal Umbrella Policy Insurance What s inside:

made simple Personal Umbrella Policy Insurance What s inside: Personal Umbrella Policy Insurance made simple What s inside: How to read an Allstate Personal Umbrella Policy Declarations Understanding personal umbrella policy insurance How to file a claim Frequently

More information

Policy overview 1. Purpose/Principles 2. Scope 3. Definitions 4. Policy 5. Procedures

Policy overview 1. Purpose/Principles 2. Scope 3. Definitions 4. Policy 5. Procedures QUALITY MANAGEMENT SYSTEM Policies and Procedures Standard 3: Financial, Administrative and Physical Resources Policy title: (G05) Smoke-free Environment First approved: March 2000 Current version approved:

More information

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise.

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise. If you have been in an automobile accident that is not your fault and your vehicle is damaged, you do have certain rights. If total property damage from the wreck to all damages appears to be over $1,000.00,

More information

The forms must be completed by a qualified person and signed with their occupational title as per its respective form.

The forms must be completed by a qualified person and signed with their occupational title as per its respective form. Your ability to work and generate income is your greatest asset. If a disability ever left you unable to work, a combination of increased expenses and loss of income could create financial difficulties.

More information

Employee Assistance Programme

Employee Assistance Programme 32938_ONEGI_GEN1914.qxp:32938_ONEGI_GEN1914 30/9/11 03:45 Page 1 Employee Assistance Programme Winner Best Occupational Health Provider Health Insurance Awards 2007, 2008, 2009 and 2010 Contents: Why consider

More information

Step-by-step guide to pursuing a medical negligence claim

Step-by-step guide to pursuing a medical negligence claim Step-by-step guide to pursuing a medical negligence claim Suffering from medical negligence can be a painful and distressing experience for anyone. This short guide offers some advice to help people thinking

More information

UNDERSTANDING WORKERS COMPENSATION

UNDERSTANDING WORKERS COMPENSATION This brochure was prepared by the Washington State Association for Justice (WSAJ) as a guide to help the citizens of Washington State understand their rights. Established in 1953, WSAJ represents attorneys

More information

Corporate Consulting Services, Ltd. Workers Compensation in Today s Environment

Corporate Consulting Services, Ltd. Workers Compensation in Today s Environment Corporate Consulting Services, Ltd. Workers Compensation in Today s Environment 2014 Corporate 2014 Corporate Consulting Consulting Services, Services, Ltd. Ltd. Forces Impacting Workers Compensation Today

More information

Self Assessment STANDARDS

Self Assessment STANDARDS Self Assessment STANDARDS www.wellbeingcharter.org.uk This pack contains an overview of the Workplace Wellbeing Charter, including the Charter Framework, the Assessment Standards and other useful information.

More information

Compensation Claims. Contents

Compensation Claims. Contents Compensation Claims Contents Employers' duties What kind of claims may be made? The tort of negligence Tort of breach of statutory duty Civil liability exclusions Conditions to be met for breach of statutory

More information

Employee Injury/Illness Reporting and Managed Return to Work. April 15, 2011 HR 23. Human Resources Responsible Key Business

Employee Injury/Illness Reporting and Managed Return to Work. April 15, 2011 HR 23. Human Resources Responsible Key Business Managed Return to Work Date Effective April 15, 2011 City Manager Revision Date Effective Code Number HR 23 Human Resources Responsible Key Business Objective: The City of Charlotte seeks to ensure the

More information

Don t Let Your Business Become a Victim! Ranney P. Pageler V.P., Fraud Investigations Department

Don t Let Your Business Become a Victim! Ranney P. Pageler V.P., Fraud Investigations Department Don t Let Your Business Become a Victim! Fight Workers Compensation Insurance Fraud Ranney P. Pageler V.P., Fraud Investigations Department Copyright 2011 EMPLOYERS. All rights reserved. This presentation

More information

Time of hire pamphlet

Time of hire pamphlet This pamphlet, or a similar one that has been approved by the Administrative Director, must be given to all newly hired employees in the State of California. Employers and claims administrators may use

More information