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INSURANCE MATTERS
 
A Newsletter for Members of the CCAP Insurance Programs
Owned by Members, Governed by Members, Service to Members
 
August 2009 Volume 13, Issue 8
Specialty Lines
 
Hello ,
 
Health insurance for county employees is a major part of any county's budget. For several years CCAP has been working to find ways to assist counties with the design and costs of their health insurance program. Our BEST Flex program started by helping counties set up cafeteria benefits plans, as we saw the coming shift to sharing costs with employees, and knew the cafeteria plans would be a good way to allow employees to save on their federal and state taxes.
 
We have worked for several years with two health insurance consultants/producers, Riverside Consulting and Insurance Solutions, to assist counties with plan design, negotiations with health insurers, wellness programs, and more.
 
Pennsylvania's unique health insurance "geography" - where no major health insurer can provide coverage and services for the entire state - has made it very hard for us to come up with a statewide program to insure county employees.
 
The BEST Flex board recently decided it wanted to have a long range, statewide review of the health insurance market, with the goal of examining the many options and structures available. The end result would be a decision by the board about how to move forward with a program for counties. After reviewing what other state associations of counties are doing, we selected Jones Consulting of New Hampshire to conduct a feasibility study. We have already supplied them with much data about county plans, and they are currently examining options available in Pennsylvania. A truly independent consultant - they have no stake in whatever options we choose to go forward - Jones Consulting should be reporting back to the BEST Flex board in October.
 
The cost of the project is being jointly financed by CCAP, PCoRP, PComp and the CCAP UC Trust. If the report leads to a new program, the program will repay the costs to the four financing entities.
 
Make sure you call us when you need help with something,
 
                              John Sallade
 
In This Issue
Specialty Lines
PIMCC Board Member Resigns
Berks County Selects COBALT
Reducing Slips Trips and Falls
NEW Voluntary Dental Program
Wayne County Joins PCoRP
Prison Nursing Staff Training
Why Offer Deferred Compensation
Fall Workshops Scheduled
Quote Of The Month

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PIMCC Board Member Steps Down After Years of Service 
By Patty Ensminger, SCLA, Senior Claims Representative 
 
PIMCC Logo
The PIMCC program would like to thank Lancaster County Warden, Vince Guarini, for his years of service on the PIMCC Board of Directors. Warden Guarini provided valuable leadership and insight into this program from the very beginning.
 
Since Warden Guarini has stepped down from the Board he has recommended his Executive Assistant, Tammy Moyer, to fill the position. Ms. Moyer has obtained the Certified Correctional Health Professional (CCHP) accreditation and is very knowledgeable within the prison setting. We believe Tammy will be a wonderful addition to the PIMCC Board. 
 
If your county is interested in learning more about the programs offered through PIMCC, please contact Ruth Moraski, Cost Management Plus (CMP), at (800) 552-2752.

 
Berks County Selects COBALT Program
By John Sallade, Managing Director, CCAP Insurance Programs
 
Berks County has joined CCAP's COBALT program effective July 1, 2009. COBALT (County Balanced All Lines Transfer) is a version of PCoRP designed for larger counties, and provides auto, property, crime and liability insurance. 
 
Berks County Commissioner Christian Leinbach noted "I am very pleased with the COBALT program. For Berks County it means lower premiums with more coverage. That is not a very hard decision to make. I want to thank CCAP for providing this insurance program. If you are a larger county and have priced CCAP insurance before, I would encourage you to take another look. We did and it will save us very significant dollars and provide us with better coverage."

The COBALT local insurance producer is Mike Malinowski of Engle-Hambright & Davies in Wyomissing.
 
York County also utilizes COBALT for its property and liability insurance.

For more information about COBALT, contact Karen Cohen at CCAP, (800) 895-9039 x 3307, or e-mail: kcohen@pacounties.org
Reducing Slip, Trip And Fall Incidents In County Operations 
By Bob Lauzonis, Loss Control Specialist
 

Slips, trips and falls are a major cause of loss within counties and county-related entities. By reviewing and implementing key risk control guidelines and by becoming more familiar with standards, guidelines and best practices developed and suggested by organizations such as NFPA, ANSI, ASSE, NSC and OSHA, county employers should be better prepared to recognize, evaluate and control slip, trip and fall hazards to help their employees and the public remain injury-free.

 

TYPES OF FLOOR SURFACES AND TREATMENT MATERIALS

 

The types of floor surfaces and coverings found within county/public-sector buildings vary greatly and are too numerous to describe in detail within this article. Floor coverings might include various types of floor tile, terrazzo, linoleum or carpeting. Nonskid floor finishes and other non-slip floor-treatment materials are available for all common types of flooring. Because it is important to select the proper slip-resistant material for the given floor, the manufacturer should be consulted regarding what product will provide the most appropriate non-slip treatment for the floor in question. As a general rule, floor-treatment materials should have a minimum slip-resistance rating of .50 (see the product's label for details). This rating is also known as the static coefficient of friction (SCOF). Nonskid mats, runners or carpet strips are highly effective in preventing slips and falls in many areas without harming the flooring or detracting from its appearance.

 

WALK-OFF MATS AND BUILDING ENTRANCES

 

All walk-off mats must be in good condition and they should be provided at all appropriate building entrances. These mats should have beveled edges to prevent any edge from becoming raised, which could lead to a trip/fall injury. The width of the mat should be equivalent to the width of the doorway and extend approximately 15 to 25 ft inside the building, if possible.

 

SPILL CONTROL

 

Even the best walk-off mats can become saturated on a rainy or snowy day. Therefore, a building custodian should be in the area to remove excessive amounts of moisture in a timely manner. Wet floor signs should be conspicuously displayed to warn of slippery conditions.

 

SLIP-RESISTANT FLOOR TILE, STRIPS AND MATS

 

In kitchens and cafeterias, slip-resistant floor tile should be in place to provide kitchen workers with appropriate traction under both damp and dry conditions. As an alternative, nonslip floor strips/mats could be used. They should be installed in front of sinks, in dishwashing areas, inside the walk-in coolers and freezers or on ramps, as necessary.

 

LIGHTING INTENSITY

 

Adequate lighting should be provided both inside and outside of county buildings, especially in areas with stairs, ramps, curbs or other elevated conditions to help prevent trips and falls.

 

CARPETS AND SLIP, TRIP AND FALL PREVENTION

 

All carpeted areas should be maintained in good condition. Employers should strive to keep these areas in a relatively uniform condition to provide a level walking surface and a consistent degree of friction. The use of shag carpeting should be discouraged because heels of shoes can be easily snagged in its material and can result in a trip/fall incident and possible insurance claim.

 

HOUSEKEEPING PRACTICES

 

Good housekeeping practices play a key role in preventing slips, trips and falls. Designated storage and receiving areas should be kept neat and orderly. One benefit of conducting regular inspections of these areas is the removal of nonessential items that might lead to a slip, trip or fall incident. An adequate number of trash containers should be available in common areas, offices, cafeterias and other areas inside the building. These containers should be emptied regularly. Spilled food and/or drinks should be cleaned up as soon as possible, especially in kitchen/cafeteria areas. Good housekeeping practices should be used throughout county buildings. Examples of such practices include closing file cabinet drawers in offices, and picking up pencils or pens from hallway floors in public buildings.

 

FOOTWEAR GUIDELINES

 

One effective way to prevent slip/fall injuries is to increase the friction between an individual's shoes and the surfaces on which that person works and walks. Here are some general guidelines:

 

·         Neoprene soles made with a synthetic rubber can be used safely on most work surfaces, both wet and dry. They are not recommended for oily conditions.

·         Crepe soles, rubber with a "crinkled" texture, are best used for rough concrete, either dry or wet. They are not suggested for tile, smooth concrete or wood surfaces.

·         Soft rubber soles can be used safely on most dry surfaces. They are not suggested for wet or greasy concrete.

·         Hard rubber soles are best for greasy concrete and wood. They are not recommended for ceramic tile or dry concrete.

 

PARKING LOTS

 

For a public entity's parking lot to be considered safe and hazard-free, the following conditions should be met:

 

·         Each surface should be properly pitched for adequate water drainage and all surfaces should be smoothly paved.

·         Curbs leading to sidewalks and entrances should be of contrasting color, as should single steps.

·         Tire (wheel) stops should be of adequate width and painted to contrast with surrounding surfaces, and all speed bumps should be painted with nonskid paint that is in contrast with the pavement.

·         Each area should be free of cracks, potholes or other such conditions, and areas should be free of debris and materials such as gravel or mud.

·         Satisfactory illumination must be provided, and parking lot traffic control signs should be properly placed and in good condition. Of course, enforcement of all posted rules is important as well.

·         Removal of snow and ice as soon as possible is essential.

 

RAMPS AND SIDEWALKS

 

From a loss control and risk management perspective, the following provisions should be in place for all ramps and sidewalks:

 

·         Curbs should be painted in a color that does not blend in easily with the colors of surrounding surfaces.

·         All sidewalks should be free of broken or uneven slabs. Changes in elevation must be identified through the use of different colors, and secure handrails should be provided for all ramps.

·         Sidewalks should remain clean and free of debris, and they must be adequately illuminated. Again, entity personnel must monitor weather conditions and remove ice and snow in a timely manner.

 

SUMMARY

 

Slip, trip and fall prevention is a critical loss control topic for county building and maintenance directors, risk managers and safety committee members, and provisions should be reviewed regularly. By recognizing, evaluating and controlling both actual and potential slip, trip and fall hazards, county personnel can strive to reduce the frequency and severity of these incidents and the resulting cost of PComp, PCoRP and PELICAN insurance claims.

 

If you would like more information or if you would like us to conduct a slip, trip and fall hazard survey, please contact:

 

Bruce Mitchell, Loss Control Services Manager,

bmitchel@pacounties.org

Gary Nicholson, Senior Loss Control Specialist, gnicholson@pacounties.org

Greg Cunningham, Loss Control Specialist, gcunningham@pacounties.org

Bob Lauzonis, Loss Control Specialist, blauzonis@pacounties.org

 
NEW Voluntary Dental Program Through BEST Flex
By Julia Jackson, Employee Benefit Programs Manager 
 

You asked. We delivered. Now counties and county related entities with at least 20% employee participation can access United Concordia's Concordia Flex®and Concordia Preferred® plans through the CCAP BEST Flex program.These plans feature:

 

·         No waiting periods!

·         More plan options than Concordia ChoiceSM

·         No employer contribution required

·         Availability to groups of 10 or more employees

·         Access to more than 67,600 dentists at nearly 130,000 total locations

 

Concordia Flex® and Concordia Preferred® may be a good fit for counties and county related entities that are:

 

·         Looking to move from an employer-paid plan

·         Considering changing their dental plan administrator

·         Hoping to offer dental coverage to their employees for the first time

 

Additional details on pricing advantages through the BEST Flex program will be available soon, so stay tuned. For more information email Julia Jackson, Employee Benefit Programs Manager, or call 800-895-9039.


 
Wayne County Joins PCoRP 
By John Sallade, Managing Director, CCAP Insurance Programs 
 
Wayne County has joined PCoRP, effective July 1, 2009. The county becomes the 40th county, and 44th member overall, of the Pennsylvania Counties Risk Pool.  PCoRP provides auto, property, crime and liability insurance through a combination of self insurance and reinsurance.
 
The Wayne County commissioners noted, "In today's economic situation, the county felt it was necessary to expand the market choices and quotes we have received in the past from the normal competitive markets.  PCoRP matched our coverages and significantly reduced our costs. We are sure we will receive the same great service as we have from the PComp program."
 
The local insurance producer for Wayne County for PCoRP is Robert Hafner of A. M. Skier Insurance in Hawley.
 
PCoRP now insures 60% of all Pennsylvania counties. However, the program is most efficient for counties with a population of about 300,000 or less, which means 55 counties are eligible for PCoRP membership. Of this group, PCoRP now insures 73%! (We suggest larger counties look at COBALT, see article above!)
 
For more information about PCoRP, contact Karen Cohen at CCAP, (800) 895-9039 x 3307, or e-mail: kcohen@pacounties.org.


 
Training Opportunity For Prison Nursing Staff
 
By Patty Ensminger, SCLA, Senior Claims Representative 
 

PIMCC has recognized the need for prison nursing staff to obtain continuing education credits through the Pennsylvania State Nurses Association. We are offering a workshop on Tuesday, October 6, 2009, at the CCAP North Office Building, Harrisburg.

 

The training will include: Legal Documentation, Medication Management and Suicide Screening. The speakers include Marie Milie Jones of Meyer, Darragh, Buckler, Bebenek & Eck, P.L.L.C., John Avolio, R.Ph., Diamond Pharmacy, and a Psychologist from CFG Health Systems, LLC.

 

This training is being sponsored by PIMCC and is free to members of the PIMCC program. PIMCC members include: Bucks County, Carbon County, Clarion County, Elk County, Huntingdon County, Juniata County, Lycoming County, McKean County, Mercer County, Northumberland County, Perry County, Potter County, Susquehanna County, Tioga County, Union County, Warren County and Wayne County. There is a fee of $150.00 per attendee for nonmembers.

 
Registration for this workshop can be completed by visiting the Glimpse Online

 

For more information e-mail Patty Ensminger, Senior Claims Representative or call (800) 895-9039.

 
What Is A Deferred Compensation Plan And Why Should Governmental Employers Offer One? 
By Bob Beasley, CRC, CIC, Communication Consultant, Nationwide Retirement Solutions
 

The other day, my fourteen-year-old son punctured my thoughts with this question from out of the blue: "Dad, I know you do something that has something to do with retirement, but I don't get it: What do you do?"

 

There's nothing like a teenager to bring you down to brass tacks, is there? That one question reminded me of a conundrum in the retirement industry: We get so caught up in what we do that we forget the rest of the world isn't as "into it" as we are. They don't know the language. That may be the number one challenge for plan sponsors and providers of governmental deferred compensation plans: Too many people who need to understand deferred compensation "don't get it."

 

What is deferred compensation?
 

In its simplest terms, deferred compensation is just that: Compensation - pay or income - that is deferred - not taken when due.

 

Essentially, the law says, if you're willing to delay taking a certain amount of your income for a long time, you can do it with pre-tax money AND not pay taxes on it or any of its earnings until you do take it. Under current law, you will pay ordinary income tax when you withdraw from your deferred compensation account.

 

A second benefit is, the participant harnesses the power of time to allow their deferred income to potentially grow, sometimes by a lot more than what they contributed. As with all investing, there is risk - and that means, no one can guarantee that any deferrals will grow.

 

Just about anything that involves the federal government is going to have some strings attached, and deferred compensation is no different. That's why you need a plan, a mechanism that can help everyone mind the rules and regulations in the way the law intended.

 

What is a deferred compensation plan?
 

Section 457(b) of the Internal Revenue Code allows governmental employers to let employees defer pre-tax income directly into a long-term investment account.

 

This is called deferred compensation ("deferred comp"). It's made possible legally through a deferred compensation plan, and under most circumstances, the governmental employer is the plan sponsor.

 
Why should you sponsor a deferred comp plan?
 

First and foremost, employees need it. Most people depend on Social Security and their pension, if available, for the foundation of their retirement income. On average, however, a public pension will replace only 50 percent of current income after 25 years of service. By contributing to a deferred compensation plan, employees can bridge the retirement-income gap they might otherwise have.**

 

Secondly, employers need it. Demographers agree that the United States faces a worker shortage in just a few years. The law of supply-and demand suggests workers will seek more from hiring managers; having a deferred compensation plan in your compensation package can be one more differentiator you need to hire and retain employees.

 

Thirdly, you can get a lot, cost-effectively. As plan sponsor, you can negotiate with providers to mix-and-match services - from plan recordkeeping to investor education to employee communications.

 

For more information e-mail Bob Beasley, Communication Consultant, Nationwide Retirement Solutions, or call (614) 854-3278.

** NCPERS Research Series: The Top Ten Advantages of Maintaining Defined Benefit Pensions, May 2007.


 
Fall Workshop Planning Is Underway! 

By Linda Rosito, Insurance Training Director

 

The fall workshop season is quickly approaching and topics are being finalized. Here is a quick glance at the upcoming fall workshop season. Mark your calendars!

 

FALL WORKSHOP OPPORTUNITIES:

·      Tues., September 3 - Defensive Driving Workshop, Best Western/Country Cupboard, Lewisburg

·      Wed., September 9 - Excellent Supervisor Seminar, Regional Learning Alliance, Cranberry Twp.

·      Wed., September 16 - Defensive Driving Course, Scranton Hilton, Scranton

·      Thurs., September 17 - Excellent Supervisor Seminar, Scranton Hilton, Scranton

·      Tues., September 22- Excellent Supervisor Seminar, Penn Stater, State College

·      Wed., September 23 - KEYS: Wed., September 23, KEYS: Effectively Dealing With Unions In Trouble Economic Times, CCAP North Office, Harrisburg**

·      Thurs., September 24, KEYS: Conflict Resolution - Finding Solutions Together, Regional Learning Alliance, Cranberry Twp.

·      Tues., September 29, Facilities Workshop, Penn Stater, State College

·      Tues., September 29, Stress: Reduce, Relax, Recover, Hilton Garden Inn, Erie**

·      Wed., September 30, Stress: Reduce, Relax, Recover, Penn Stater, State College**

·      Thurs., October 1, KEYS: Conflict Resolution - Finding Solutions Together, Scranton Hilton, Scranton

·      Thurs., October 1, Defensive Driving Course, Penn Stater, State College

·      Tues, October, 6, Prison Nurses Seminar, CCAP North Office, Harrisburg

·      Tues., October 6, Stress: Reduce, Relax, Recover, Best Western/Country Cupboard, Lewisburg**

·      Tues., October 13, KEYS: Conflict Resolution - Finding Solutions Together, CCAP North Office, Harrisburg

·      Thurs., October 15, KEYS: Effectively Dealing With Unions In Trouble Economic Times, Regional Learning Alliance, Cranberry Twp. **

·      Tues., October 20, Stress: Reduce, Relax, Recover, Scranton Hilton, Scranton**

·      Wed., October 28, Stress: Reduce, Relax, Recover, CCAP North Office, Harrisburg**

·      Thurs., October 29, Annual Producers Meeting, CCAP North Office, Harrisburg

·      Fri., October 30, Safety Workshop, Penn Stater, State College

·      Thurs., November 5, KEYS: Conflict Resolution - Finding Solutions Together, Best Western/Country Cupboard, Lewisburg

·      Fri., November 6, County Risk Managers' Council, CCAP North Office, Harrisburg

·      Tues., November 10, Prison Personnel Workshop, Penn Stater, State College

 

** Denotes a workshop co-sponsored by the Academy for Excellence in County Government. These workshops are free to current Academy participants. Please see your copy of the Glimpse for actual credits approved.

 

Look for your fall Glimpse will arrive in early August. Glimpse Online and online registration is available August 4.

 

As always, if you have any questions, please feel free to contact Linda Rosito or Jenn Carey at (800) 895-9039.

 
Quote Of The Month
 
 "Few things can help an individual more
than to place responsibility on him,
and to let him know that you trust him."
 
- Booker T. Washington
 
 

CCAP Insurance Programs
PO Box 60769, Harrisburg, PA 17106-0769
Phone (800) 895-9039 - FAX (717) 526-1020
Claims Fax (888) 692-2368
Click here
to go the Insurance Section of the CCAP Website.

e-mail:jsallade@pacounties.org

Insurance Matters is published monthly by CCAP Insurance Programs for the use of members of CCAP's UC Trust, PCoRP, PComp, PIMCC, COMCARE, COMCARE PRO, BEST Flex, PELICAN and other insurance programs, and insurance producers of these members.

Advice contained in this publication is not legal advice and members are encouraged to seek the opinion of their solicitor.

The information provided in this publication is not intended to take the place of professional advice. Readers are encouraged to consult with competent legal, financial, or other appropriate professionals. Statements of facts and opinions expressed in this publication, by authors other than Association staff and officers, are the sole responsibility of the authors and do not necessarily represent an opinion or philosophy of the officers, members and staff of the County Commissioners Association of Pennsylvania (CCAP). No endorsement of advertised products or services is implied by CCAP unless those products or services are expressly endorsed, or are owned or managed by the Association programs, or our affiliates. This publication may not be reproduced, modified, distributed, or displayed in part or in whole, by any means, without advance written permission of CCAP. Please direct your requests to John Sallade, Managing Director, CCAP Insurance Programs, jsallade@pacounties.org.

Note: As part of its copyright agreement the CCAP grants the author the right to place the final version of his/her manuscript on the author's homepage, subject to CCAP's standards, or in a public digital repository, provided there is a link to the CCAP website.

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