Volume 24 Issue 2

February 2013


www.pacounties.org

INSURANCE MATTERS
An e-newsletter of the County Commissioners
Association of Pennsylvania Insurance Programs

 

Owned by Members   Governed by Members   Service to Members
In This Issue
PComp Board Nomination and Election Completed
PCoRP Award Corrections
Chester County Joins PCoRP
PA Supreme Court Rules on DUI Checkpoints
PCoRP Loss Prevention Grant Program Update
2013 SCHRPP Annual Conference Open to Nonmembers
CCAP Health Alliance Welcomes First Member Counties
2013 Insurance Boards
Spring is Almost Here!?
Ten Common Mistakes Safety Committees Make
Upcoming Events
Coverage Corner
Quote of the Month
 
Quick Links
 
 
Join Our Mailing List

Specialty Lines

 

Greetings!  

We have eight separate insurance program boards at CCAP. This requires 95 county or county related entity representatives to serve on the governing bodies for these programs. Each board is a combination of representatives appointed by CCAP and those elected by members of the program (except for our two Vermont captives which are all elected by the members). Most importantly, no matter whether appointed or elected, everyone on the boards must be from a county or entity which participates in the program.

 

From time to time I've been asked why we don't just combine this all into one big board and make our lives easier with fewer meetings. Even if I thought this was a good idea, there are some technical reasons why this cannot be done. Vermont law requires our two captives each have their own governing body. Pennsylvania law requires our workers' compensation pool to do the same. So we could combine some of the boards, but still would end up with four different boards.

 

My main concern would be the loss of connection to the members. I think it is essential that each program have its own governing board. This allows the board members to focus on the issues unique to that program. A good example is PCoRP, which has many lines of coverage. The PCoRP board just does not have the time to deal with additional lines of coverage.

 

I also like our current system because each member of a program gets input into the composition of the board which governs their program. This would be lost or at least diluted if we merged some of the boards.

 

In 2013 we will conduct 28 different board and committee meetings. A few of these are done by conference call when the agenda is short. This keeps each program fresh, and allows the boards to make sure staff is doing what they want accomplished for the program, and providing the quality services the program members deserve.

 

Our thanks to those who are willing to invest the time to make sure our programs are responsive to the members, and to all of you for participating in CCAP's member services.

 

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

 

                              John Sallade

PComp Board Nomination and Election Process Completed
 

The membership has renominated the incumbent members of the PComp board of directors, and no additional nominees were received, so a mail ballot was not required. Congratulations to those reelected: Patty Evanko, Joe Giles, Steve Howsare, Otis Riden and Dee Robinson.

 

In addition, Monroe County's decision to self-insure its workers' compensation insurance and leave PComp membership created a vacancy on the board. PComp board members selected Elk County Chief Clerk Jean Zore to replace Monroe County Chief Clerk Greg Christine. Congratulations Jean and thanks for agreeing to serve!

 

See the insurance board listings below for full details on the PComp board members.

PCoRP Award Corrections

By John Sallade, Managing Director

  

My apologies for publishing an incomplete listing of the PCoRP award winners in last month's issue. I neglected to include the following 2012 award recipients:

 

Deborah McHugh, Risk Management Coordinator, Centre County won the Loss Control Award, for outstanding loss control and risk management efforts.

 

Potter County won a Loss Prevention Award, for outstanding efforts to prevent losses.

 

Adams County and Perry County received Loss Prevention Awards, for the highest rates of participation in PCoRP training sessions.

Chester County Joins PCoRP
 

On January 1 the PCoRP membership increased to 45 counties with the addition of Chester County. This is the highest county membership in PCoRP's 25 years of operation. PCoRP now has 49 members, as four county related entities also belong to the liability and property insurance pool.

 

The county's main contact with PCoRP is Jack Smith, the county's risk manager. Their local producer is Robert Hall of Francis Hall Insurance Services in West Chester.

 

Welcome Chester County!

PA Supreme Court Rules on DUI Checkpoints
By John Sallade, Managing Director
  

On January 22 the PA Supreme Court ruled in the case of Commonwealth v. Marconi. The case involved a DUI checkpoint which was operated by the Sheriffs and Deputy Sheriffs of Forest and Warren Counties in 2007. Marconi was arrested at the checkpoint and sued. The Supreme Court ruled that Sheriffs and Deputy Sheriffs do not have the authority to conduct DUI checkpoints.

 

To read the full opinion, click here. Please note there is a typo in the opinion - it references Forest and Wayne Counties. We checked and the correct counties are Forest and Warren.

PCoRP Loss Prevention Grant Program Update
By Gary Nicholson, CHSP, Loss Control Services Manager 

 

Just over a year ago the PCoRP board approved establishing the Loss Prevention Grant Program and set aside $500,000 to fund the program. The purpose of the Loss Prevention Grant Program is to provide PCoRP members the opportunity to fund loss prevention projects for their county or county related entity. The program is designed to support members' safety committees and administration by awarding grants to offset the costs of enhancing safety, maintenance and risk management programs. We have received numerous positive comments from the PCoRP members about this new program.

 

The Loss Prevention Grant Program allows PCoRP members to apply for up to a total of $10,000 in funding in a policy year. This can be for one or more projects, but the total awarded to a member in this current policy year for all Loss Prevention Grants cannot exceed $10,000. Also, the grant money from PCoRP cannot be more than 50 percent of the cost of the project(s). In other words, the PCoRP member must contribute at least half of the cost of the grant project(s). The match can come from the member's funds, other grants and/or in-kind work done by employees of the member.  

 

The good news is the current status of the program as of January 15, 2013;

  • 28 members have submitted grant applications (27 counties/1 county related entity) 
  • 33 loss prevention grant applications have been awarded      
  • $236,811 in grants has been awarded to members

There are 21 members who have not submitted an application, and therefore have not yet taken advantage of the program. However, there is still time for PCoRP members to submit an application. Members have until May 31, 2013, to apply for the $10,000 grant for the 2012-2013 policy year.

 

Because of the program's popularity, the PCoRP Loss Prevention Grant Program will be funded again for the 2013-2014 policy year beginning on June 1, 2013. The PCoRP board has set aside another $500,000 in funding! Beginning June 1, 2013, all PCoRP members will be able to apply for the next round of grants.        

 

For more information email Gary Nicholson, Loss Control Services Manager, or call (800) 895-9039. 

2013 SCHRPP Annual Conference Open to Nonmembers
By Julia Jackson, SCHRPP Executive Director
  

If you are not yet a member of the Society of County Human Resource Professionals of Pennsylvania (SCHRPP) - you are missing out! And the SCHRPP board of directors wants you to see this for yourself.

 

This year only, registration fees will be waived for nonmember county/entity human resource personnel (and chief clerks in those counties without an HR staff) to attend the first day of the SCHRPP Annual Conference. The conference will be held on Thursday and Friday, July 18 and 19 at Toftrees Resort in State College. Nonmember registration fees will apply for day two of the conference.

 

As always, registration for both days of the conference is FREE for SCHRPP members.

 

The theme of this year's conference is Employee Engagement. Day one will feature keynote speaker Michel Neray, Principal of The Essential Message. Michel is internationally renowned for providing presentations that instill confidence, resilience and motivation that is achieved by attendees gaining knowledge of their greatest strengths and unique value. Day one also includes two sets of breakout sessions on both legal and non-legal topics pertinent to county human resource administration. Stay for day two and benefit from two additional sets of breakout sessions and a closing general session on FMLA administration, to include a hands-on FMLA/ADA/Workers Comp workgroup.

 

Additional details and registration information will be sent out later this month, but for now SAVE THE DATE - July 18 and 19 at Toftrees Resort in State College. We'll look forward to seeing you in there!

 

For more information about SCHRPP, contact Julia Jackson, SCHRPP Executive Director, at (717) 526-1010 x 3305.

CCAP Health Alliance Welcomes First Member Counties

By Julia Jackson, CCAP Employee Benefits Program Manager   

  

The CCAP Health Alliance is officially up and running with its first two member counties - Clarion County and Elk County. Both counties joined the CCAP Health Alliance effective January 1, 2013. Additionally, the CCAP Health Alliance welcomes Trisha Douglas, Clarion County Director of Human Resources, to its board of directors. Elk County is already represented on the board by Commissioner June Sorg.

 

The CCAP Health Alliance has partnered with the Delaware Valley Health Insurance Trust (DVHIT) to offer counties an alternative to the commercial insurance market which provides immediate cost savings and long term cost stability. By pooling risk, rather than individual entities, the program has effectively reduced its administrative expenses to about 8% of its overall costs (compared to 18-22% in the commercial insurance market and other health insurance pools). CCAP's partnership with DVHIT will help to reduce those costs even further through enrollment growth and leverage. The program utilizes the Aetna network which has proven to be a strong and growing partner throughout all of Pennsylvania. Both Clarion and Elk Counties transitioned their employees to the Aetna network from another major carrier with little to no network disruption.

 

Participants from the new member counties are anxious to start utilizing the wellness benefits they now receive through the CCAP Health Alliance, to include:

 

Health Club Membership Reimbursement: $250 employee / $250 spouse cash incentive with proof of 100 visits per rolling calendar year to a health club, gym, fitness center or fitness class.

 

Health Advocate: An innovative program designed to help employees and their families navigate the healthcare system. A Personal Health Advocate will assist with how to find the best doctors, getting help for elderly parents, obtain unbiased health information, and help with scheduling timely appointments.

 

Member Wellness Program:A voluntary, incentive paid, program sponsored by the Trust that focuses on 5 high-risk areas: high cholesterol, diabetes, hypertension, weight management and smoking cessation.

 

Colonoscopy Incentive: $150 cash incentive to covered members age 50 years and over (or age 40 and over with a family history of colorectal cancer) for completing a preventative colonoscopy.

 

Women's Health Initiative: $50 cash incentive to eligible female participants who obtain preventative breast screenings; $50 cash incentive to eligible female participants who obtain preventative cervical cancer screenings.

 

For more information on the CCAP Health Alliance or to request a proposal, please contact Julia Jackson, Employee Benefits Program Manager, at (800) 895-9039 x 3305.

2013 Insurance Boards
By John Sallade, Managing Director
 
Here is the listing of the members of all of CCAP's insurance boards. Members of each program are encouraged to contact these individuals with any questions, suggestions or concerns. We would also like to thank the board members for agreeing to commit to the time and work necessary to manage CCAP's insurance programs.

 

You will note there are a few vacancies on the PIMCC Board and the Deferred Compensation Advisory Committee. If you are interested in filling one of those vacancies, please let John Sallade know.

 

CCAP Health Alliance Board of Directors

      Appointed by CCAP (All terms expire 12-31-13)
      Ju
ne Sorg (Elk County Commissioner),
      Chairman

Arnie Wetzel (Berks County HR Director), Vice Chairman

Erick Coolidge (Tioga County Commissioner), Secretary/Treasurer

Trisha Douglas (Clarion County, Director, Human Resources)

Fred Cechman (C.M.S.U. MH/MR Finance Director)

Gail Kipp (Columbia County Chief Clerk)

Basil Huffman (Forest County Commissioner)

Tiffany Bloyer (Franklin County Assistant Director of Human Resources)

Karen King (Lawrence County Director of Personnel) 

 

COMCARE Board of Directors
Appointed Members
CCAP Members:

Janis Kemmer (Elk County Commissioner)(12/31/14)
Joseph DeMott Jr. (Mckean County Commissioner) (12/31/13)
Wylie Norton (Sullivan County Commissioner) (12/31/14)

 

PACDAA Member:

Rick Kastner (Executive Director Lancaster County Drug and Alcohol Commission) (12/31/14), Secretary/Treasurer

 

PACA MH/DS Member:

Deb Duffy (Lycoming Clinton MH/MR) (12/31/13)

 

      Elected Members
      County Commissioners:

George Hartwick (Dauphin County Commissioner) (12/31/13)

Joe Giles (Erie County Council Member) (12/31/13)

         

Individual with Managed Care Expertise:

Scott Suhring (CEO, Capital Area Behavioral Health Collaborative) (12/31/13), Vice Chairman

 

      At Large Members:
      Patricia Valentine (Executive Deputy Director
      for Integrated Program Services, Allegheny
      County) (12/31/14)

Jonna DiStefano (Executive Director, Delaware County Human Services) (12/31/14), Chairwoman

 

COMCARE PRO Subscribers' Advisory Committee
Scott Suhring
(CEO, Capital Area Behavioral Health Collaborative) (2015), President

Allison Frantz (HealthChoices Administrator, Lehigh County) (2015), Vice President

Jonna DiStefano (Executive Director, Delaware County Human Services) (2014)

Joe Giles (Erie County Council Member), (2015)

Rick Kastner (Executive Director Lancaster County Drug and Alcohol Commission) (2014)

Jim Gallagher (CEO, Northeastern Behavioral Health Care Consortium) (2013)

Dave McAdoo (Executive Director, Southwest Behavioral Health Management,Inc.) (2014)

Jonathan McKenzie (Willis Vermont, Vermont Resident) (2014)

      

Christie Ward (Captive Programs Manager, CCAP) is Secretary, but is not a voting member of the SAC.

John Sallade (Managing Director, Insurance Programs, CCAP), is Treasurer, but is not a voting member of the SAC.

 

Deferred Compensation Advisory Committee

Joe Giles (Erie County Council Member), Chairman
Mark Scott (Berks County Commissioner)

Daryl Miller (Bradford County Commissioner)

Paul Corbin (Jefferson County Commissioner)

Dennis Stuckey (Lancaster County Commissioner)

Three vacancies

 

PComp Board of Directors

      Appointed By CCAP (All terms expire 12/31/13)

      Jim Martin (Adams County Commissioner)
      Doug McLinko (Bradford County Commissioner
      Dan Vogler (Lawrence County Commissioner)

      Brian Beader (Mercer County Commissioner)

      Naomi English (Sullivan County Chief Clerk)

      Derek Williams (Tioga County Chief Clerk)

      Vicky Botjer (Wayne County Chief Clerk)

 

      Elected By Members (All terms expire 12/31/14)
      Joe Giles (Erie County Councilmember) (2, 2A,
      3rd Classes), Chairman

Patricia Evanko (Indiana County Commissioner) (6th Class)

Steve Howsare (Bedford County Commissioner) (6th Class), Vice Chairman

Dee Robinson (Union County Chief Clerk) (7th and 8th Class), Secretary/Treasurer

Jean Zore (Elk County Chief Clerk) (At Large)

Otis Riden (Mifflin County Commissioner) (At Large)
  
Appointed by the PComp Board 

Pam Humbert (Bedford - Somerset MH/MR HR Director), County-Related Entities Representative

Rosemary Orner (SEDA-COG, Executive Assistant, Management), County-Related Entities Representative
 

PCoRP Board of Directors

Appointed By CCAP(All terms expire 12/31/13

Frank Staudenmeier (Schuylkill County Commissioner), Chairman

Gail Kipp (Columbia County Chief Clerk), Vice Chairman

Bill Gaylord (Wyoming County Chief Clerk), Secretary/Treasurer

Paul Crooks (Bedford County Commissioner)

Jamie Wolgemuth (Lebanon County Chief Clerk)

Paul L. Rudy, Jr. (Perry County Commissioner)

Erick Coolidge (Tioga County Commissioner)

                                                           

Elected By Members (All terms expire 12/31/14)

Thomas Harp (Director of Administration, Northampton County) (2A & 3rd Class)

Deborah McHugh (Risk Management Coordinator, Centre County) (4th & 5th Class)

June Sorg (Elk County Commissioner) (6th Class)

Norm Wimer (Forest County Commissioner) (7th & 8th Class)

Dee Robinson (Union County Chief Clerk) (At Large)

Mark Smith (Bradford County Commissioner) (At Large)
 

PELICAN Subscribers Advisory Committee

Class A Members

Mike Wilt (Executive Director, PACAH), President (2014)

Joe Giles (Council Member, Erie County) (2015), Vice President

Terry Brennan (Administrator, Berks Heim) (2015)

Edna Youngster (QA/Investigative Nurse, Gracedale Nursing Home) (2014)

Ronald King (Administrator, Jefferson Manor Health Center) (2013)

Molly Hess (Administrator, Philadelphia Nursing Home) (2015)

Marlin Peck (Administrator, York County Home) (2014)

Diane Cleary (Vermont Director) (2013)

                   

Class B Members

Lynne Dillon (Administrator, Saxony Health Center) (2013)
 

John Sallade is the SAC Secretary/Treasurer, but is not a voting member of the SAC. 

 

Public Institution Medical Cost Containment (PIMCC) Board of Directors

Appointed Members (term ends 12/31/14)
Dave Kovach (Columbia County Commissioner) Chairman

Jonathan Brynes (Business Manager, Bucks County Health Department)

Eloise Ahner (Carbon County Chief Clerk)

Kevin Deparlos (Lycoming County Warden)

Kevin Kodish (Mifflin County Commissioner) (Act 22 Representative)

Terry Browning (Tioga County Deputy Warden)

 

Elected Members (term ends 12/31/13)
Michelle Shedden (Bradford County Chief Clerk) (Act 22 Representative)

Jeff Hornberger (Clarion County Warden)

Tammy Moyer (Lancaster County Warden's Executive Assistant) (Act 22 Representative)

Bruce Herdman (Philadelphia Prison System Chief of Medical Operations) (Act 22 Representative)

One Vacancy (PIMCC Member) 

 

CCAP UC Trustees

Appointed By CCAP

Derek Williams (Tioga County Chief Clerk) (2014), Chairman

Chuck Dominick (Westmoreland County Human Resources Director) (2014), Secretary/Treasurer

Kevin Barnhardt (Berks County Commissioner) (2013)

Meredith Dolan (Bucks County Human Resources Director) (2013)

Robb Green (York County Controller) (2014)

                            

Elected By Members (election is in progress)

Joseph Giles (Erie County Councilmember), 2A and 3rd Classes Representative (2013)

Chuck Witmer (Centre County Controller) 4th and 5th Classes Representative (2013)

Butch Campbell (Clarion County Commissioner), 6th Class Representative, (2012), Vice Chairman

Ron Williams (Wyoming County Commissioner), 7th and 8th Class Representative (2013)

Carolyn Zambanini (Somerset County Chief Clerk), At Large Representative (2012)

Spring Is Almost Here!?

By Linda Rosito, Insurance Training Director  

  

Beginning in March the County Commissioners Association of Pennsylvania's 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 will be open February 13. For more information on the spring workshop season, please refer to the Glimpse Online.

 

You should receive your copy of the spring Glimpse in mid-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 Government has 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!

Ten Common Mistakes Safety Committees Make

By Bob Lauzonis, Loss Control Specialist

  

INTRODUCTION

  

Any work environment can have a workplace safety committee in place, but its effectiveness can sit anywhere along the "effectiveness scale" from useless to extremely beneficial. Over the years as a safety professional, I have seen the following 10 common mistakes made by workplace safety committees and I have listed potential solutions to fix them.

 

YOUR WORKPLACE CANNOT GET WORKERS TO VOLUNTEER TO SIT ON YOUR WORKPLACE SAFETY COMMITTEE

 

Possible reasons: Workers may be afraid to appear to criticize county management or they don't see any benefits in sitting on a safety committee.

Solutions: Promote the safety committee and its successes. Have the safety committee conduct short departmental safety talks. Conduct recruitment sessions in the lunch room or hold recognition events for members.

 

YOUR COMMITTEE CANNOT MOTIVATE DEPARTMENT MANAGERS/SUPERVISORS TO ATTEND MEETINGS REGULARLY

 

Possible reasons: Managers may see safety committee meetings as a waste of time. They may also have a poor attitude toward safety or not know what's expected of them, especially if they lack occupational safety/health training.

Solutions: Assign manager members specific safety tasks. Recommend basic occupational safety/health training for managers and have the committee as a whole take team-building training.

 

YOUR COMMITTEE HAS POOR VISIBILITY AMONG WORKERS AND SUPERISOERS

 

Possible reasons: People may not even know who sits on their committee. The committee may also not publicize its successes and members conducting inspections may not interact with workers and supervisors.

Solutions: As part of new employee orientations, talk to them about the roles and functions of the safety committee. Introduce new workers to committee members for their areas. Rotate committee members frequently. Have the committee hold safety events to increase worker/supervisor awareness.

 

YOUR COMMITTEE'S WORK IS MOSTLY REACTIVE, IN RESPONSE TO INJURIES OR INCIDENTS, RATHER THAN PROACTIVE

 

Possible reasons: Committee members may lack a clear understanding of their roles, functions or expectations of committee members. They may also lack sufficient safety and health training, may not understand how to set goals and objective and may lack passion for safety.

Solutions: Have the county's safety or risk management department meet with the group to discuss health and safety goals and objectives. Collect information through informal surveys of workers and supervisors. Spend one entire meeting agreeing on goals for the year and establishing an action plan. Determine priority areas, set target dates for action, measure performance against objectives and report progress.

 

MEETINGS GO ON FOR HOURS, BUT LITTLE IS ACHIEVED

 

Possible reasons: Chairperson does not keep meeting focused (may lack experience in running effective meetings), agenda is not properly planned in advance of meeting, there's a lack of information on the table and a lack of problem-solving skills.

Solutions: Bring in experts to show chairpersons how to run effective meetings. Have co-chairs hold pre-meetings to plan and review agenda items, including decisions and action points for each agenda item. Don't waste time on discussion when more information is needed before making a decision.

 

A COUPLE OF MEMBERS ALWAYS DO ALL THE TALKING AT MEETINGS, LEAVING OTHERS RESENTFUL, FUSTRATED OR BORED

 

Possible reasons: Some people like to be in control or love the sound of their own voices.

Solutions: Have members who wish to speak raise their hands and speak one at a time. Evaluate the results of each meeting.

 

NO ONE IN YOUR ORGANIZATION REALLY KNOWS WHAT THE WORKPLACE SAFETY COMMITTEE IS SUPPOSED TO BE DOING

 

Possible reasons: Members lack training on the roles and functions of the health and safety committee, there are no formal terms of reference or your terms of reference aren't comprehensive enough. Also, your committee may have too low a profile in the workplace.

Solutions: Assign a sponsor to your committee, preferably someone with sufficient authority who is fairly closely linked to county management. Have this person help your committee clarify roles and provide resources.

 

MOST OF THE DISCUSSION IS ABOUT COMPLAINTS, NOT SOLUTIONS. COMMITTEE MEMBERS DON'T KNOW HOW TO DRAFT PROPER RECOMMENDATIONS AND THEY DON'T CALL IN THE EXPERTS FOR HELP

 

Possible reasons: The chairperson is not facilitating proper discussion or members lack sufficient training in problem solving.

Solutions: Train members in problem solving, have co-chairs meet in advance, plan, set goals and establish priorities. End each item of discussion with an action item.

 

YOUR COMMITTE MEMBERS HAVE ONLY BASIC WORKPLACE SAFETY AND HEALTH TRAINING

 

Possible reason: Everyday jobs may not revolve around safety/health issues.

Solutions: Assess current knowledge, experiences and expertise of each member regarding health and safety training. Conduct a needs assessment and bring in an experienced trainer to help your group. Consider joint training for the whole committee to facilitate a common vision.

 

MEETINGS ARE BORING, WITH AGENDAS HAVING THE SAME ITEMS ON THEM MONTH AFTER MONTH

 

Possible reasons: Little or no planning, members aren't engaged, committee isn't integrated with occupational safety and health (OSH) system, workers/supervisors don't raise safety/health issues to committee members.

Solutions: Engage all members in teamwork, making them responsible for occupational safety and health action plans, developing and monitoring annual health and safety activities/goals and in enhancing employee safety awareness.

 

SUMMARY AND CONCLUSION

Workplace safety committees are an integral part of a county's safety program. Workplace safety is a quality that is achieved, like other attributes of a well-run county; through a combination of effective management, employee relations, communications, and understanding of the workplace exposures that lead to injury. Also, your safety committee members will have differing knowledge about safety and health hazards and controls and skills in performing committee functions. Through training you can develop these skills, enabling your committee members to more readily recognize hazards and to understand how to address them.

 

Remember, your CCAP loss control specialist is available-just a phone call or email away-to help you with your safety committee activities. Give us a call or send an email to our attention; we look forward to assisting your workplace safety efforts.

  

Gary Nicholson, Loss Control Services Manager, at (800) 895-9039

Maureen McMahon, Loss Control Specialist, at (800) 895-9039

Andrew Smith, Loss Control Specialist, at (800) 895-9039

Bob Lauzonis, Loss Control Specialist, at (412) 276-2722

Upcoming Events
 

COMCARE PRO SAC Meeting

Tuesday, February 05, 2013
CCAP North - Harrisburg
  
PComp Board Meeting
Friday, February 15, 2013
CCAP North Office - Harrisburg
  
PIMCC Board Meeting
Monday, February 25, 2013
CCAP North Office - Harrisburg
  
COMCARE Board Meeting
Tuesday, March 19, 2013
Hilton Harrisburg - Harrisburg
   

Board and committee meetings of all CCAP insurance programs are open to members of those pools. If you plan to attend a meeting, please let us know in advance so we can plan for room set-up and any meals. Send your attendance plans to John Sallade at CCAP.

Coverage Corner 

Reminders and Pointers about Insurance Coverage and Risk Management
  
Thoughts on Controlling Workers' Compensation Costs
  

In considering workers' compensation costs, employers usually feel that if their employees have injuries, their experience modification factor will go up (and so will their premiums) and if they reduce or eliminate injuries they will go down. At a basic level, this concept is correct, but there is much more for employers to know and do to help actually control their workers' compensation costs.

 

Employers must foster a change in the view of employees that "accidents happen, that's why we have insurance." This shift in understanding needs to be driven through the employer's entire organization. It's critical that not only management, but also supervisors and front-line staff are aware that it is the employer's money being spent, not that of the insurance company.

 

To reduce costs, the most obvious, but often overrated solution, is the prevention of injuries through a focus on safety programs. Certainly, a safe workplace and safe work practices are essential to reducing injuries, but safety programs are not enough of a factor in driving down injuries and their related costs. In addition, employers should also address these areas:
 

  • Effective hiring practices and employee relationships
  • Modified Duty and Return to Work Programs
  • Medical panel/clinic relationships
  • Supervisor training
     

When a serious injury occurs, employers may say, "I should have never hired that person or I should have gotten rid of him when I had the chance." Dealing with human resource problems inside the workers' compensation system is usually a costly endeavor. Hiring an employee that is fit for the job from the onset is a major step in reducing costs.

 

The right physician providing the right treatment at the right time is essential to controlling costs. Not all doctors are skilled in job-related injury care. Careful attention should be taken in selecting medical providers. Otherwise, you may be handing them a blank check and the injured employee may be receiving less than optimum care. If you have questions about the quality of your medical panel doctors, you may want to have your local insurance producer review the panel with your workers' compensation carrier's claim department. The claims adjusters most likely have had experience with many of the doctors on your panel and can give advice on the services they provide. CCAP's PComp program, which provides workers' compensation coverage to many Pennsylvania counties, just went through an extensive review of the medical panels in place for all PComp members.

 

Supervisors often resist bringing an injured employee back to work before they are fully recovered. However, the longer an injured employee is away from the workplace the more injury costs rise. Supervisors can have more control over the costs of a claim by supporting an injured employee with frequent communication and committing to a solid Return to Work Program. In addition, compensation and performance bonuses can be tied to injury costs by departments. Supervisors compensated on a production-only basis can actually be operating their unit at a loss due to injury costs.

 

Employers that shift their thinking and view workers' compensation insurance as a financing mechanism are on their way to reducing a mandatory cost. Less attention should be paid to "going out for bids" and more devoted to those factors that actually reduce costs and increase profits.

 

The key is changing the perception of workers' compensation insurance and then taking the steps that can make a dramatic difference in the cost of this coverage.

 

Questions or comments? Contact Karen Cohen, CCAP's Property and Casualty Programs Manager.

Quote of the Month

 

"True happiness is not attained through
self-satisfaction but through fidelity to a worthy purpose."
  
- Helen Keller  
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