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INSURANCE MATTERS
 
A Newsletter for Members of the CCAP Insurance Programs
Owned by Members, Governed by Members, Service to Members
 
February 2010 Volume 14, Issue 2
Specialty Lines
 
Hello ,
 

Well the Farm Show is over, which in Harrisburg means it is time for the true depths of winter to start. And yet we complain to each other about the cold, as we are once again shocked that January and February bring freezing weather and winter precipitation.

 

For CCAP's insurance programs this is a period of preparation. Several boards meet in this early part of the year to select officers and committee members and to plan for the coming year. The PELICAN SAC - the board of our nursing home liability insurance program, meets in early February to set rates for the March 1 renewal of the program.

 

Behind the scenes we are working on the basics for the PCoRP (property & liability pool) renewal, collecting updated information from the members through their local producers.

 

This is also a season for us to meet with our reinsurers, those companies which help our pools and captives share risk by protecting members from catastrophic losses. PELICAN is meeting with reinsurers in New York City and London as our three year reinsurance contract is up for renewal. PCoRP will meet in early March with all its reinsurers in Pittsburgh. One of PCoRP's reinsurers will be visiting the CCAP North Office to conduct an underwriting audit in February. This relationship with the reinsurers is essential - after the monies needed to pay the more routine, lower cost claims, the cost to buy reinsurance is the largest single expense for most of our programs. So keeping the reinsurers involved, showing them how each member works to control risks and keep claims costs down, is essential.

 

It is still one of those parts of the business where you just can't beat a face to face meeting, where convincing someone your program is well run and is a good risk can mean significant savings, or better coverage, or both. CCAP has been fortunate to have Wills Pooling and Willis Re as our reinsurance brokers for many years, and their advice and work on our behalf has been invaluable as we work to provide counties and county related entities with the insurance and risk management tools they need.
 
Make sure you call us when you need help with something,
 
                              John Sallade
 
In This Issue
Specialty Lines
HR Leaders
Deferred Comp Update
CLMI Training
New DDC
Governor's Safety Award
Spring Insurance Training
Academy Workshops
Quote Of The Month

Quick Links 

 
 
 
 
 
 
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Why the county HR leader can lead the way to a culture of safety excellence
By Bob Lauzonis, Loss Control Specialist
 

THE "MULTI-TASKING" PROFESSIONAL

 

How many times have you, as a County Human Resource (or Personnel Director) Leader, been at a safety seminar, workshop or conference where the speaker asks who in the audience is also a safety leader "by default"? Many hands often go up, and many of those hands go up rather reluctantly, acknowledging acceptance of an unsolicited safety leader assignment added to an already busy and hectic HR role. HR representatives, especially those who work as generalists and who work directly with employees in a busy office, already respond daily to the personal and family needs of the county employee. Adding the responsibility of "safety" may be viewed as an intentional attempt to "dilute" the HR role by adding the duties and responsibilities of physical and health hazard recognition, hazard mitigation, safety training and incident response to the already full plate of HR functions, such as hiring and firing, benefits, performance reviews, payroll and compensation programs and employee social activities.

 

PEOPLE TOOLBOX VS. SAFETY EXCELLENCE

 

However, a tried, true and successful HR person already carries a toolbox of personality attributes that easily lend themselves to a leadership role in the safety function. This successful HR person holds the keys to safety excellence in his or her collection of "People Tools." Inside this toolbox are the tools of:

 

         Emotional stability and maturity

         Compassion

         Accessibility

         Creativity

         A firm sense of responsibility and commitment to competence

 

These attributes enable the HR representative to act as a change agent, execute and promote the business strategy and vision, handle conflict and manage people. Perhaps this is why the HR leader is so often asked to be the county's safety leader.

 

EMOTIONAL STABILITY

 

By means of a mature grasp on emotional stability, the combination HR/safety leader successfully responds to stress, negative emotions and strong reactions from members of the work group. She/he offers a calm overlay to the conflicts and controversy surrounding change in the county or it's policy, direction or fluctuations and any overwhelming event, no matter how disastrous or tragic, and conversely, no matter how fortunate or providential.

 

A sense of compassion enables the HR/safety Leader to develop meaningful interpersonal relationships, expressing warmth, empathy and genuine concern for the needs and feelings of others. This compassion and caring strengthens the connection between the HR/safety leader and the employees.

 

Knowing and feeling that someone else (especially someone in a leadership role) really does understand what they care about, what they think, and what they face every day, builds a strong bond of trust between the employee and the HR/safety leader. This bond acts as a springboard to encourage employees to become actively involved in the county's safety program and to readily lend their talents and time toward successful achievement of the county's safety objectives. The bond of trust says that we are all in this together, so let's find out together what needs to be done to have a strong and vibrant safety culture and to be the best. Then let's do it together.

 

The successful leader acts with the team and for the team, instead of acting in isolation without the advantage of trusting interpersonal relationships. The HR/safety leader takes the tool of outgoingness and uses it as an accessibility tool. What better way to find out what is going on but to walk out and talk to various departments that make up typical county business operations; listen to the maintenance workers, ask the commissioners how their day is going, find out what happened at the prison-jail today, discover what the children and youth coordinators accomplished this week or why the cooks in the kitchen are sneezing?

 

Listening to concerns and talking about each employee's daily work routine is a key step toward a dialogue of suggestions and solutions. Why wait for the results of an "official" paper audit or the monthly inspection, or even worse, an employee accident or injury? The accessibility tool can be the most valuable tool in that toolbox; it will showcase the HR/safety leader's energy, excitement and enthusiasm for the employee as a person who is more than just a "human resource" or "human capital" in the county. The safety role combined with the HR role intensifies the need of the HR or safety leader to develop and implement meaningful training programs and foster a positive learning environment. Competition, technological advances, changes in regulations and needs for process improvement challenge the imagination and creativity of the leader. The successful HR Leader, who already teaches, coaches and acts as a mentor to many of the employees, can reach into that toolbox and brush off the dust from a dull and almost non-existent safety training program and turn it into a sparkling and vibrant skill-based, safety solutions program. Sound impossible? Not when you already have gained the trust and interest of many of your employees and have many offers of time and talent to put into action. Your own time and talent will be used to creatively use others' time and talents, leaving you to support, promote and cheer on your new safety teams and teachers.

 

Finally, the vital tool of a firm sense of responsibility, together with a commitment to competence, act to gather the responsibilities and duties of the HR or safety leader and to keep him or her pointed in the right direction in the midst of the many distractions of the workday. The HR or safety leader must attend to the details necessary for safety excellence without getting bogged down in the sticky world of work gossip, cattiness, political rivalries, unimportant minutiae, unwarranted criticism, blame and the "not my job" attitude. Keeping a clear sense of the big picture, the successful HR or safety leader stays on course, committed to not only the needs and feelings of each individual with whom they work and the county as a whole, but also committed to his or her own values and sense of well-being. This encompassing commitment lends credibility to the HR or safety representative's role as a successful leader.

 

SUMMARY

 

Ray Kroc, the King of Hamburgers (a.k.a McDonalds') once said, "It's not what you do, but the way you do it." Or it is not just about what you do, but who you are and how you use your natural and learned talents and the tools in your "People Toolbox" to achieve excellence.

NACo Deferred Compensation Program update 

Article provided by the National Association of Counties (NACo)

 

Recent headlines and the current economic climate highlight the importance of making sure personal and retirement investments are with a financially strong company. 

 

As part of its oversight of its Deferred Compensation Program, NACo hires an independent consultant to evaluate several different program aspects.  These include the creditworthiness of Nationwide Financial, the parent company to our program administrator, Nationwide Retirement Solutions (NRS), and the competiveness of the fixed annuity investment option return to our program participants. 

 

In their analysis of the creditworthiness of Nationwide, the consultants noted that while Nationwide continues as a strong organization even though in 2008 it was downgraded, due in part to the general economic conditions as well as some of those related specifically to the insurance industry.  In some of the indicators against which Nationwide was evaluated, they continued very strong; in others, their position weakened from the prior year.  NACo and the NACo Deferred Compensation Advisory Committee will continue to monitor Nationwide as economic conditions change in 2010.

 

The NACo deferred compensation program, also known as a 457 program, is a voluntary investment program that gives county employees the opportunity to save regularly for their retirement on a pre-tax basis.  One of the investment options available to participants is a fixed annuity that offers county employees the opportunity to earn an investment return at a fixed rate that is established quarterly by Nationwide.  In addition, on an annual basis, Nationwide sets an investment rate minimum (or floor) for the year. 

 

According to the study, the 2008 return on this investment option placed highest among its competitors.  The report was released at the November 4, 2009 meeting of NACo's Deferred Compensation Advisory Committee, held in Monterey County, California.  This study has been conducted every year since 1989, and the NACo program has always come out on top.  "Our 29-year partnership with NRS continues to deliver a quality program that helps county employees save for a more comfortable retirement - this is more important than ever in today's economy," said Larry Naake, NACo executive director.

 

The competitive interest rate test concluded that Nationwide met its contractual requirement to equal or exceed the top one-third of its competitors.  This study reviewed the fixed annuity option offered by Nationwide and its nine largest competitors.  

 

The consultants' analyses are only one feature of NACo's deferred compensation program that distinguishes it from others.  As a result of NACo's Deferred Compensation Advisory Committee, the NACo program is the only one in the country that receives oversight and is advised by county participants. It also benefits from the oversight and endorsement of 41 state associations of counties. 

 

For more information on NACo's Deferred Compensation program, please contact Lisa Cole at NACo at (202) 942-4270 or [email protected] or NRS at (877) 677-3678 or www.nrsforu.com.
 
 
CLMI online training reminder 
 

We wanted to again remind you of a very useful tool we're offering members in order to better educate and train your employees and meet county specific safety program requirements. This online safety education program is sponsored by CCAP insurance programs and is available to you and your staff free of charge. The training programs are provided by CLMI, an organization well known for the safety education and training programs they have produced. 

 

Also, by participating in this program the county can satisfy a portion of the education/training section of the Loss Control Incentive Program for both PComp and PCoRP. Members need to participate in four or more PComp/PCoRP sponsored workshops per year and completing one course would equate to participating in one workshop. This type of training is also a great way to reduce employee time away from the office and the costs associated with traveling to various training events throughout the state.

 

Your staff may participate in as many courses as desired. The courses may also be conducted as a group class using a computer and projector or monitor in order that all class participants may see and hear the course.

 

Check out the following link for titles that may be of interest to you and your employees. While we have access to many programs, more can be added should there be enough interest. If you desire to have one or more of these programs made available online, please contact a member of the loss control department staff and indicate your selection including title and product code.

 

http://www.trainingentry.net/clmi-training/products/coursecatalog/bytitle

 

Should you need assistance gaining access to the training site, please feel free to contact us.

 

Best Regards,

 

CCAP Loss Control Services

 

Bruce Mitchell, [email protected]

Gary Nicholson, [email protected]

Greg Cunningham, [email protected]

Bob Lauzonis, [email protected] 
 
 
The new Defensive Driving Course (DDC)

By Bruce Mitchell, CSP, Loss Control Services Manager

 

The National Safety Council (NSC) has released the totally new and revised 9th edition of the Defensive Driving Course (DDC).  This is the DDC 8/6 used by the CCAP Insurance Programs for the DDC workshops.  All of the DDC workshops presented by CCAP Insurance Programs this year and in the future will be the 9th edition that has replaced the 8th and former editions.  The program has all new videos, new graphics and new text. The teaching method makes this program more interactive with the students involved in small discussion groups.  Anyone teaching the DDC 8/6, 8th edition is required by National Safety Council to return the video DVD or VHS to NSC by March 31, 2010.  Therefore anyone using the DDC materials of CCAP Insurance Programs will be required to teach using the new materials beginning April 1, 2010.

 

DDC workshops are being presented March 31, at the Best Western Country Cupboard in Lewisburg; and April 14 at the Penn Stater in State College.  On May 6 & 7, the NSC Instructor Development Course is being offered at the CCAP North office in Harrisburg.  By participating in this course an individual may become certified to teach the NSC DDC 8/6, 9th edition.  In order to participate and become a NSC certified DDC instructor, it is required that the student has participated in one of the DDC Workshops listed above.  All of the DDC workshops are lead by Bill Stauffer, a certified DDC instructor.  Bill is also a NSC certified instructor trainer and will be providing leadership at the two day session in May.

 

Staff of counties or county related entities who may be interested in being trained to be a NSC, certified DDC instructor, please contact Bruce Mitchell, Loss Control Services Manager of the CCAP Insurance Programs.  Email [email protected] or call (800) 895-9039, x 3306.
 
 
2010 Governor's Award for Safety Excellence nominees sought 
 

If you're proud of your safety and prevention program for its impact on reducing employee injuries, financial and other achievements, why not apply for the Governor's Award for Safety Excellence? The purpose of the award is to recognize outstanding prevention programs and the superior efforts that make these programs so successful.  Employers can nominate themselves or be nominated by a third party.

 

To download the nomination form or for more information go to: www.dli.state.pa.us. In the center of the page, select the "Workers' Compensation" icon, then select "Health & Safety Division" on the left hand blue bar. Next click on "Governor's Award for Safety Excellence" located on the left hand blue bar.

 

Or go to: http://www.portal.state.pa.us/portal/server.pt?open=514&objID=552346&mode=2

 

ALL APPLICATIONS MUST BE SUBMITTED BY JUNE 1, 2010 to:

 

Michelle Kafkalas

Program Coordinator

Bureau of Workers' Compensation

Health and Safety Division

1171 South Cameron Street

Harrisburg, PA  17104

 

For additional information or assistance call (717) 772-1917 or e-mail [email protected] or [email protected].

 
 
Spring is almost here! 

By Linda Rosito, Insurance Training Director

 

Beginning in March the County Commissioners Association of Pennsylvania Insurance Programs will be offering you a new workshop season. We certainly hope you will take advantage of these great educational opportunities. This spring we will hold about twenty workshops throughout the commonwealth.

 

Registration for the spring season is now available! For more information please refer to the Glimpse Online.

 

You should receive your copy of the spring Glimpse in early February. If you do not receive a copy of the Glimpse, but would like to, please contact us.

 

Please keep in mind that most of our training sessions are free (if sponsored by an insurance program in which your employer is a member) AND for PCoRP, PComp and UC Trust members you can SAVE MONEY off your insurance costs by attending training sessions.

 

The Academy for Excellence in County Governmenthas again agreed to co-sponsor some of our workshops for required credits. This gives those of you who are Academy participants an additional opportunity to earn that credit towards graduation.

 

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

 

Thank you for your continued support of the CCAP Insurance Programs trainings.

 

We hope to see you this spring!
 
 
Workshops on financial management and personnel and labor relations scheduled for April

By Mandi Glantz, Director of Member and Vendor Relations

 

The County Commissioners Association of Pennsylvania (CCAP) is pleased to announce two workshops being held April 22 and 23 at the Ramada Inn and Conference Center in State College, PA and open to all county elected officials and staff.

 

On Thursday, April 22, join us for the "Financial Management" session with speakers William Warren, Jr., Esquire and Nailah Rogers, Esquire, from Saul Ewing LLP, James Allen from the Pennsylvania Municipal Retirement System and Michael Shone, CPA, from Peirce Park Group. Topics of discussion include county and state contracts, online auctions, local government construction, audits, pension plan management, employer/employee contributions, cash flow management/budgeting/Act 44/ ARC, among others. This course is scheduled from 9 a.m. until 4 p.m. with lunch included. Participants in the CCAP Academy For Excellence In County Government and Advanced Certification programs may earn credit to fulfill the Financial Management required course upon their participation at the event.

 

Friday, April 23 features a "Personnel and Labor Relations" session with speakers Kathleen Bruder, Esquire, Robert Tribeck, Esquire, and Cory Iannacone, Esquire, of Rhoads & Sinon, LLP. Topics of discussion include hiring/firing, employment law updates, avoiding liability in technology, the Right to Know Act, labor law for counties, tips and tricks for collective bargaining and tips for succeeding at arbitrations, among others. The course will run from 9 a.m. to 3 p.m. and participants in the CCAP Academy For Excellence In County Government and Advanced Certification programs may earn credit to fulfill the Personnel and Labor Relations required course upon their participation at the event.

 

The workshops are open to all county commissioners, council members, county executives, administrators, chief clerks and solicitors. Associate members and other CCAP vendors are also invited to attend. Registered Academy and Academy Advanced Certification participants may attend at no cost. The costs for non-Academy participants (CCAP members) vary. Other fees may apply to Academy graduates, associate members and other vendors. The workshop fee includes refreshment breaks, lunch and session materials on both days. 

 

Seating is limited - for registration information, please visit the CCAP Web site or contact Jennifer James, meetings coordinator, by phone (717) 526-1010 or e-mail [email protected].

 

 
Quote of the month
 
 "The difference between ordinary and extraordinary
 is that little extra."
 
- John Maxwell
 
 

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.

email:[email protected]

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, [email protected].

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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