October 2010
In This Issue
U.S. Workers Risking Injury
Winter Prep Your Home
California Work Comp Changes
Referral Rewards
Free Prescription Drug Cards
   
Insurance
 
Property 
 
 
General Liability 
 
 
Professional Liability 
 
Directors & Officers Liability 
 
Automobile 
 
Workers Comp 
 
Umbrella 
 
Home 
 
Auto 
 
Recreational Vehicles 
 
Bonds 
 
Life & Disability
 
 
Group Health
 
 
401K 
 
Investment & Retirement Planning
 
 
 
 
  
Risk Management Services
 
My Wave
 
 
 CompClaims Online
 
Disaster Planning
 
Safety Procedures
 
Safety Program Planning
 
Web Based Safety Training
 
Pre-employment Screening
 
OSHA Compliance
 
 
Quick Links
 
EMA Website
 
OSHA Website
 
CDC Website
 
 
 
 
 
 
 
 
 
 
U.S. Workers Risking Injury By Not Wearing Required Safety Equipment
Survey of Safety Professionals Finds Shockingly High Incidence of Noncompliance 
 
Nearly all of the safety professionals in a survey released today said that workers in their organizations had at some point failed to wear the necessary safety equipment while on the job.
 
To make matters worse, 30 percent of these respondents said this had happened on numerous occasions. Given this, it's not surprising that worker compliance with personal protective equipment (PPE) protocols was cited as the top workplace safety issue by all survey respondents.
 
Increasingly high noncompliance with PPE protocols is an alarming trend and a serious threat to worker health and safety. Whether this is a result of economic conditions, a flawed approach to safety programs, younger workers who are more inclined to take greater risks, or some other reason, it's essential that workers wear PPE when it is required. PPE protects workers against injury, but it will not work if workers fail to use it properly.
 
It's no wonder then that three-quarters of the respondents chose workplace accidents and injuries in response to the question: "What is most likely to keep you up at night?" Potential exposure because of noncompliance with PPE protocols was second, at 13 percent, while fear of a global pandemic and its impact on the workforce was a distant third, cited by only 8 percent of respondents. 
 
Safety Pays Off!
Standards set the pace for facility safety, with the tangible payoff coming in the form of reduced medical incident rates, workers compensation costs and other indirect costs resulting from accidents.
 
Adhering to standards and best practices can also increase worker confidence, something not as easily measured. It allows a company to convey to employees that they care enough about their workforce to maintain a safe work environment, along with providing the tools, training and programs that will help reduce the chances of injury should they enter harms' way. That is a reputation for which any company would pay dearly for.
 

 Winter Prep your Home to Keep Costs Down 

Fall is the perfect time for homeowners to ensure their house is prepared for winter weather. A home should be winterized so it will be able to sustain damage severe weather may bring. 
 
Homeowners must first inspect their house thoroughly so that possible issues can be avoided. The most important interior areas are the furnace and fireplace. HVAC professionals can inspect the furnace and clean out the ducts. Furnace filters should be replaced on a monthly basis to keep ducts clean. Any flammable materials around the furnace should be removed.
 
If there is a fireplace in the house, the screen or cap on the top of the chimney should be secure to keep out rodents. The chimney should be cleaned by a professional occasionally because the buildup of soot can cause fires. The damper should open and close properly and the mortar between the bricks should not be cracked. Any cracks should be fixed so heat does not seep into areas it should not be, creating a fire hazard.
 
The next step in preparing for winter for safety and insurance purposes is to examine the exterior. Damage may not be evident immediately during winter months, and may only be noticed with the first spring rain. The doors and windows should be checked for cracks. If the homeowner has a basement, shields can be placed over the window wells for protection from snow melt. Any worn shingles or roof tiles should be replaced so melted snow does not seep into weak areas.  Gutters and downspouts should also be unclogged and leaf guards should be installed. 
 
California Workers Compensation Changes
The State of California recently approved changes to the workers' compensation rules concerning notice materials that employers must use to inform employees about their rights and obligations. Effective October 8, 2010, California law requires all employers to:
  • Provide updated Workers' Compensation new hire pamphlets to employees hired on or after October 8, 2010.
  • Display the new Workers' Compensation Posting Notice (DWC-7).
  • Provide the insured worker with the updated DWC-1 Claim form/Notice of Potential Eligibility (NOPE) to injured workers.
 
As part of the educational process, the State of California requires that you provide the newly updated information about the CAMPN (California Medical Provider Network) to your employees before allowing them to take advantage of this benefit. 
 
If you are in need of additional information on this topic, please contact Eastern Michigan Agencies.
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Free Prescription Drug Card
 
This program is being provided to you and your family to help lower your prescription drug costs. Simply create and print your FREE Prescription Drug Card from our website www.emainsurance.com and receive savings of up to 75% (discounts average roughly 30%) at more than 54,000 national and regional pharmacies. This card can be used as your primary plan and/or it can be used on prescriptions not covered by your insurance plan.
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Eastern Michigan Agencies
24220 Jefferson Avenue
St Clair Shores MI 48080 
586-778-9900