Top 
INSURANCE MATTERS
 
A Newsletter for Members of the CCAP Insurance Programs
Owned by Members, Governed by Members, Service to Members
 
September 2011
Specialty Lines
 
Hello ,

  

In 1974 Peter Allen's song exclaimed "Everything old is new again." If you held on to any old "no longer in style" clothing from your youth, you might understand this phenomenon - if you wait long enough something will probably come back in style again. I must admit I sincerely hope this is not true for the mint green leisure suit I owned (and wisely later discarded) when in college!


We recently had a claim that we thought brought us a new coverage aspect, and when I did a little research to discover if we ever touched on the issue, I discovered an article we prepared ten years ago to explain the issue!


The claim involved a county employee, driving their personal vehicle, transporting a foster child. Unfortunately there was an accident, and the foster child was injured (nothing severe). The question arose as to what insurance covered the injuries to the foster child. Most people would probably think the employee's auto insurance would, or maybe the county's, or maybe the person who hit the car. All of these are wrong. If the foster parents responsible for the foster child have auto insurance, that is the policy which will respond. Welcome to the wonderful world of Pennsylvania auto insurance law!

 

The short explanation is, the insurance "follows the car" for damages to the car itself and liability resulting from an accident in which the car was involved. But, Pennsylvania's No Fault Insurance provides that no matter who is at fault for an accident, each person's own auto coverage pays their medical expenses, whether they are driving another vehicle, a passenger in the car or a pedestrian. These are called First Party Benefits and they

follow the person.

 

If the foster parents have auto insurance, their own First Party Benefits insurance responds and pays for medical treatment. If the foster parents have no auto insurance, the car owner's insurance company will respond. If the employee's insurance coverage limits are not sufficient, the county's auto insurance policy may provide coverage above those limits, up to the limits of that policy (PCoRP provides up to $1 million above the employee's policy limits, many others do not).

 

The state law sets priorities of insurance policies paying First Party Benefits, in this order:

 

First - The policy providing benefits to the insured as a named insured (owner).
 

Second - The policy providing benefits to the insured as a resident family member or a minor in the custody of the named insured (such as a foster child) who is not a named insured under another policy in PA.
 

Third - The insurance company of the auto which the

insured is occupying at the time of the accident.

 

I updated the old article on auto insurance coverage, and it is being run in the September/October issue of CCAP's magazine, County News. If you would like to read the whole article, please click here.

 

Make sure you call us when you need help with something,

 

                              John Sallade

 

125Logo
In This Issue
Specialty Lines
RiskMaster Update
Rose Orner Joins PComp Board
Workplace CSI
Training Opportunities
PIMCC Offers New Product
Your Plan Needs A Hero
Time-Out For Safety
Staff Updates
Quote of the Month

Quick Links 






  
Join our Mailing List!
 
RiskMaster Update

By Dave Harman, Claims Manager

 

Well we are a month into the new RiskMaster system and everything is moving along as well as we could have hoped for. The new on-line claims reporting system has been working without any major errors and we are able to make all our payments in a timely manner. All the claim representatives are entering the information in the new system and learning all the new features that they now enjoy.

 

We have also been spending a lot of time with the new reporting tool that comes with the RiskMaster application. Unlike STARS, where the reports were pre-formatted and "canned", RiskMaster is allowing us the ability to create our own reports so we can make sure that the reports only contain the information that our members need. While this will make for easier to read and understand reports, it is taking us some time to get it right. We just recently developed a format, or look, for the reports that we like. Now that we have this, we hope to be able to start creating the rest of the reports in a timelier manner.

 

We are very aware of our members' needs and requests for loss runs and we are working as fast as possible to get them done and ready to go. We appreciate everyone's patience, as this is a huge undertaking for us! We can assure you that as soon as the reports are ready to go, we will be sending one to each of our members so they can see the new format and get the updated information they are looking for.

 

Also, as I have pointed out in previous updates, the RiskMaster system does not allow us to provide our members with the access they previously enjoyed. While we recognize the frustration associated with this, we feel that once the new reports are completed, we will be able to provide you with all the information that you are used to getting in a timely manner.

 

We wish to thank everyone for your continued patience with this major transition that we have undertaken.

 

Rose Orner Joins PComp Board

By John Sallade, Managing Director 

 

Rosemary Orner, Executive Assistant, Management, for the SEDA-COG Council of Governments, has been appointed to the PComp Board of Directors. She replaces Ryan Unger, who recently left SEDA-COG for other employment. Rose is one of two county-related entity representatives on the board, positions which are appointed by the remaining members of the board. The appointment was made at the June PComp Board Meeting, after a notice was sent to all PComp members seeking nominations.

 

Rose handles HR responsibilities for Lewisburg based SEDA-COG, including workers' compensation and medical benefits, among other duties.

 
Workplace CSI: Are Your Employees Playing Starring Roles? 

By Bob Lauzonis, Loss Control Specialist

INTRODUCTION
 

Success is measured by results. One of the best ways to prevent tomorrow's accidents is to investigate the causes of the accidents that occur today. In some ways, a good accident investigation is like a crime scene investigation. Imagine the TV show CSI, to solve the mystery and find the culprit (in this case, the cause of the accident, not an individual), you have to get in and thoroughly check the scene for clues. You have to assemble all the available evidence before anything is moved or changed. You also need to interview witnesses while the experience is still fresh in their minds. And then you have to piece all this information together to try to understand why the accident happened.

 

SUCCESSSFUL ACCIDENT INVESTIGATION
 

A successful accident investigation takes place immediately after the accident.
 

  • Determines the facts-What happened
  • Determines the causes-Why did this happen
  • Recommends corrective action to prevent future accidents

 

BEFORE AN ACCIDENT INVESTIGATION CAN BE PERFORMED
 

Before an accident investigation can be performed, your initial responsibility is to provide injured personnel (or guest/visitor) with prompt medical care. You should have a defined plan for prompt implementation of:
 

  • First aid
  • Treatment by a physician
  • Ambulance service
  • Emergency hospital

 

ACCIDENT OCCURRENCES
 

Yes, accidents resulting in injuries certainly deserve priority. However, an accident investigation is even more effective, as a loss control mechanism, when accidents that damage equipment, materials, vehicles or property are investigated as well.

 

SEVEN KEY QUESTIONS
 

Accident investigations must answer these seven key questions:
 

  • What happened? Exactly what happened moment by moment during the accident?
  • When did it happen? What time of day did it happen? On which shift?
  • Where did it happen? In what part of the facility did it happen? In which work area?
  • Who was involved? Who was injured? Who was working in the area? Who saw what happened?
  • How did it happen? What led up to the accident? What task or operation was involved? Which materials, equipment, or substances were being used at the time?
  • Why did it happen? What were the possible causes? Was there more than one cause? Were unsafe acts, unsafe conditions, or both, involved?
  • How can you keep it from happening again? What conditions need to be corrected? What procedures need to be changed? What additional training is needed?

 

GET YOUR EMPLOYEES INVOLVED
 

Get your employees to help. Why It Matters...Over four million workplace accidents a year in the United States result in injuries or illness. Some 5,000 of those incidents result in an employee death. Successful investigations uncover the cause of an accident so that you can correct safety problems and prevent future accidents. Employees who understand the investigation process and their role in it will be more likely to correct the problems that cause accidents in your workplace. No accident investigation can succeed without the assistance and cooperation of employees.

 

Explain that they can assist investigations by:
 

  • Reporting all accidents and near misses right away. Even if nobody was hurt, management needs to know what happened so steps can be taken to prevent future problems.
  • Trying to remember what happened, if they witness the accident. Tell employees to write down what they saw as soon after the accident as possible-what, where, when, who, and why.
  • Not disturbing the scene of the accident. Emphasize that they could destroy valuable evidence that could help investigators figure out exactly how the accident happened.
  • Providing any information they have about an accident. Anyone who knows anything about an accident should come forward right away and tell what they know. Their cooperation is essential to the success of the investigation.
  • Lending their expertise to the investigation. If they have special knowledge about the equipment or procedures involved, the circumstances surrounding the accident, etc., they should tell what they know and offer suggestions.
  • Encouraging their co-workers to cooperate in accident investigations. Remind them that the purpose of an accident investigation is to prevent future accidents-accidents that could involve any one of them.
  • Joining with co-workers and management to implement corrective measures and making sure to follow any new safety rules that result from an accident investigation.

 

POSSIBLE CAUSES
 

Obvious accident causes are most probably symptoms of a "root cause" problem. Some examples of unsafe acts and unsafe conditions which may lead to accidents are:

 

Unsafe Acts

Unauthorized operation of equipment

Running - horseplay, not following procedures, bypassing safety devices

Not using protective equipment

Under influence of drugs or alcohol

 

Unsafe Conditions

Ergonomic hazards

Environmental hazards

Inadequate housekeeping

Blocked walkways

Improper or damaged personal protective equipment

Inadequate machine guarding

 

REVIEW THE FINDINGS OF THE ACCIDENT INVESTIGATION
 

As a result of the findings, is there a need to make changes to:
 

  • Employee training
  • Work Stations Design
  • Policies, procedures or operations
     

Remember to make your recommendations.

 

JOB HAZARD ANALYSIS
 

Job hazard analysis (JHA) is part of many existing accident prevention programs. In general, JHA breaks a job into basic steps, and identifies the hazards associated with each step. The JHA also prescribes controls for each hazard. A JHA is a chart (or a table) listing these steps, hazards, and controls. Review the JHA during the investigation if a JHA has been conducted for the job involved in an accident. Perform a JHA if one is not available. Perform a JHA as a part of the investigation to determine the events and conditions that led to the accident.

 

SUMMARY AND CONCLUSION
 

The purpose of an accident investigation is to identify hazards and prevent workplace accidents from occurring. It is a fact-finding process to determine the underlying or root cause(s) and implement corrective action. Remember, prevention of future accidents is the key and main focus of any investigation. If you have any questions, or need professional assistance with accident investigations, call your CCAP Loss Control Specialist.

 

Training Opportunities....Register Now!

By Linda Rosito, Insurance Training Director
 

With September comes the beginning of the fall workshop season sponsored by the County Commissioners Associations of Pennsylvania Insurance Programs. We have a total of 22 workshop opportunities this fall.

 

We hope you will take advantage of these excellent workshop opportunities. Please remember if your county is a member of the sponsoring insurance program the workshop is FREE to attend. And lunch is included!

 

UPCOMING WORKSHOP OPPORTUNITIES:

For more information on these workshops and the rest of the fall workshop season, please refer to Glimpse Online.

 

You should have already received your copy of the fall Glimpse. If you have not received a copy and would like one or would like additional copies let us know!!

 

As always, if you have any questions, please feel free to contact Linda Rosito or

Jenn James at (800) 895-9039.

 

We hope to see you this fall!

 

PIMCC Offers New Product To Its Members

By Dave Harman, Claims Manager 

 

The Prison Inmate Medical Cost Containment program (PIMCC) is pleased to announce another great service for PIMCC members. Diamond Pharmaceuticals, a PIMCC service provider, has agreed to provide, free of charge, their SAPPHIRE eMAR system. Here are the benefits of the SAPPHIRE system:

 

SAPPHIRE eMAR: Use in the Correctional Setting
 

While many correctional facilities are still using paper-based charts and processes, Diamond's correctional customers are beginning the transition to the electronic world of ordering, administering and managing their medications. Diamond's internally developed web-based Sapphire eMAR is helping facilities deliver medical care more efficiently and accurately. Automating many of their traditionally manual processes has allowed facilities to save time, reduce errors and maintain more complete records.

While very easy to navigate, the system provides a sophisticated and comprehensive collection of features, alerts and reports. Sapphire eMAR is fully HIPPA compliant, and data is secured with clustered-server architecture. The Sapphire team provides training and support throughout the transition, and an online Help Desk is available 24 hours a day. From order entry to Med Pass to managing inventory, Sapphire eMAR can ease the transformation to a paperless pharmacy process between correctional facilities and Diamond. Diamond is offering the Sapphire pharmacy setup, software, training and support at no charge to PIMCC Members.  
 

ORDER ENTRY
 

Moving away from the traditional fax-and-fill process, Sapphire makes order entry more efficient, accurate and thorough. Drop-down menus allow the user to select medications, prescribers, delivery types, etc. Diamond's complete inventory is available to the user, and searching for the exact medication is simplified with an auto-complete function, brand/generic searches and indicators for medications most commonly prescribed at your facility or for a specific patient. All medications are clearly marked as to their formulary status at each particular site. Sapphire also makes it easy to process more complicated orders such as tapers or those orders linked to vitals or labs. To ensure patient safety, Sapphire will issue duplicate-therapy warnings immediately upon generating an order.  

 

MED PASS
 

The efficiency of Sapphire can reduce Med-Pass times by as much as 50% and totally eliminate the time-consuming, end-of-month MAR change over. Beginning with the Med-Pass Prep List, Med Passes can be organized to the user's exact specifications. This list can be sorted by name, location or time.

 

During administration, there are several features in place to ensure that each patient is receiving the correct medications at the correct time. When using a barcode scanner, simply scan the patient's badge (or look up manually), and the proper medications will appear. If a patient's medication and administrations do not match, the user is notified and cannot proceed until it is addressed. Sapphire has detailed patient profiles with photos and aliases to facilitate identifying patients. Medications to be administered are clearly labeled in both brand and generic names and images of the medications are displayed on the screen.

 

Sapphire records the administration date and time as well as the individual who administered it. Refusals are also recorded, and all non-administered medications are indicated in the Med-Pass Status Bar. The user has the ability to add notes to the patient's chart during Med Pass to document any information that may be needed at a later date.

 

INVENTORY
 

Managing inventory has never been easier or more accurate. As orders arrive, they are reconciled by scanning them in as opposed to a manual process. Inventory will then automatically be updated within the system. Sapphire will use actual Med-Pass administrations to count the depletions to inventory. Using specifications on maximum and minimum quantities for each medication, Sapphire will alert the user when it is time to place stock and patient-specific orders, prompting one-click refills or order renewals. Sapphire also has a module for returning medications and performing controlled medication counts during shift changes.

 

REPORTS
 

Recognizing the need for all of the above functions to be recorded and measured and the results to be presented in usable formats, Sapphire has incorporated a variety of reports commonly requested in correctional facilities. The existing collection of reports can measure patient compliance and refusals, user activity and medication usage such as KOPs, non-formularies, therapeutic classes, etc. Sapphire also provides several variations of patient MAR reports that can be pulled for inclusion in patients' charts. All reports can be customized by setting filters, and settings can be saved by each individual user. The Sapphire team will work with each new facility to select and format the appropriate reports to match their unique requirements.

 

If you are a current PIMCC member and haven't set up your implementation yet, or if you are not a PIMCC member but wish to become one to take advantage of this new program, and other great cost saving opportunities offered by PIMCC, please contact Ruth Morowski Keller at Cost Management Plus, Inc. 2319 Walnut Street, Harrisburg, PA 17103; Phone # (800)552-2752 or costmanagementplus@comcast.net.

  

Your Plan Needs A Hero

By Bob Beasley, Nationwide Communications Consultant

You invest time and effort as sponsor of a deferred compensation or similar type plan. Yet many employees don't enroll - even though study after study suggests that, for a comfortable retirement, they'll likely need assets that plan participation could make possible.[i]

 

How can you give non-participants THE reason that compels them to want to join your plan?

 

Start with finding the right person to give them the reasons. That's likely to be you. Employers often have the greatest influence in getting Americans to start saving for retirement.[ii]

 

Be your Plan hero. Advocate for your Plan. At onsite meetings, introduce your Plan representative. Encourage employees to meet with them one-on-one and to attend educational workshops. Make your Plan website easily accessible from your intranet. When you communicate benefits information, include a note about your Plan.

On the other hand, you may have someone or someones in your organization that everyone knows and likes. Employees listen to them. They trust them. These employee influencers may be more effective at convincing employees to participate than even you can be. Let them be your Plan hero. Give them the tools to make it happen.

 

As a leading provider of deferred compensation and similar programs, Nationwide can help. Contact your Nationwide Plan Sponsor support team when you're ready to give your Plan a promotional boost that may not be of heroic proportions, but could be effective enough so that you'll be a hero to your future retirees.



[i]  Retirement Confidence Surveys (2001 - 2010), Employee Benefit Research Institute (EBRI), ebri.org; "National Retirement Readiness Index (2005 - 2010); Center for Retirement Research at Boston College, crr.bc.edu; "Americans Missing Opportunity to Maximize the Value of Workplace Retirement Plans," ING Investor Retirement Survey Media Release, November 2010;  "MetLife Retirement Income IQ Study," June 2008; "Low Defined Contribution Plan Savings May Pose Challenges to Retirement Security," Government Accounting Office, August 2008; "Preparing for Their Future: A Look at the Financial State  of Gen X and Gen Y," American Savings Education Council and AARP, March 2008.

[ii]  "ING Investor Retirement Survey Key Findings," November 2010.

   NRM-8282AO (02/2011) 
                             

©2011, Nationwide Retirement Solutions. Nationwide, the Nationwide framemark and On Your Side are service marks of Nationwide Mutual Insurance Company.

Investing involves market risk, including possible loss of principal.

Nationwide representatives are Registered Representatives of Nationwide Investment Services Corporation, member FINRA. In Michigan only: Nationwide Investment Svcs. Corporation. Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.

 

  

Time-Out for Safety

By Bob Lauzonis, Loss Control Specialist

 

A SHORT COURSE IN BUSINESS AND SAFETY COMMUNICATIONS-RELATIONS
 

  • The six most important words: "I admit I made a mistake."
  • The five most important words: "You did a good job."
  • The four most important words: "What is your opinion?"
  • The three most important words: "If you please."
  • The two most important words: "Thank you."
  • The one most important word: "We"
  • The least important word: "I"
     

SAFETY SLOGANS
 

  • When housekeeping is poor, you could wind up on the floor.
  • Security on night watch knocks vandals down a notch!
  • Wisely use your common sense to prevent a deadly consequence.
  • Your safety success will be an inspiration to the rest.
  • Danger lurks when your head's not at work. A trip to the ER is not a good perk.
  • Don't fall asleep on safety or you may never wake up!
  • You must complete the safety inspection to ensure everyone's protection.
  • Inhaling, swallowing, through the skin. Always read the MSDS before you begin.
  • A worker, a manager, a director, a commissioner; a positive attitude's the way to go.
     

NATIONAL SAFETY, AWARENESS AND WELLNESS OBSERVANCES FOR SEPTEMBER
 

  •  Baby Safety Awareness
  •  National Alcohol and Drug Addiction Recovery
  •  National Farm Safety and Health
  •  National Preparedness
  •  National Women's Health and Fitness
  •  Sports and Home Eye Safety (Prevent Blindness)
     

 

Staff Updates

By John Sallade, Managing Director 

 

Here are some updates on the CCAP staff:

 

Dianne Carman joined the insurance staff on May 31, as a Claims Representative 1. Dianne is handling PComp claims and was hired to replace Nancy Witaconis, who retired at the end of June. Dianne brings to CCAP strong experience in medical billing, workers' compensation experience with Kemper Insurance and claims experience with Great American Insurance. She can be reached at (800)895-9039, extension 3382.

 

Maureen McMahon  Loss Control Specialist, joined the staff on July 11. Maureen has extensive loss control and insurance experience, having worked for Liberty Mutual, Great American Insurance and as an independent consultant. She is a graduate of IUP and has attained the CSP (certified safety professional) and ARM (associate in risk management) certifications. Maureen is based in the CCAP North office, and can be reached at (800)-895-9039, extension 3306. She will be assuming primary loss control contact responsibility for the PCoRP, PComp and PELICAN members in parts of western and central Pennsylvania which were the responsibility of Greg Cunningham.

 

Greg Cunningham, Loss Control Specialist, left CCAP on August 12 for employment elsewhere. Greg was a member of our team for six years and we wish him the best in his next endeavor.

 

 

Quote of the Month
 

"You cannot depend on your eyes when your imagination is out of focus." 

- Mark Twain

 

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: jsallade@pacounties.org
 
 

Insurance Matters is published monthly by CCAP's Insurance Programs for the use of members of CCAP's UC Trust, PCoRP, PComp, PIMCC, COMCARE, COMCARE PRO, PELICAN, Health Alliance 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.

.

Back to top