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Specialty Lines
"Choose your own adventure." I was sitting in an interview with a candidate for employment at CCAP, and they asked us about our style of communication and management. One of the staff conducting the interview, as part of the answer, noted that CCAP was a place where you could choose your own adventure.
Describing your workplace to a prospective employee, or to your family and friends, and certainly to the public, can be a real challenge. Since we all need a place to vent, sometimes all our family and friends hear are the negatives. Add to this that for some unknown reason we all seem to be able to complain better and louder than we compliment, and it is easy to paint a bleak picture of the workplace.
Most of us have experienced good and bad workplaces, and found ways to negotiate both. I've enjoyed years in workplaces where I have developed strong friendships and felt rewarded and appreciated by management. I've left employers who I could see were going downhill, or who treated their employees unfairly or poorly.
Look to yourself, and determine if your thoughts and feelings about your workplace are coming from you alone. Have you been unhappy everywhere you worked, or just this place? Do you need to move on, or do you need to fix the workplace, or do you need to fix you?
And can you choose your own adventure? To overburden the analogy, maybe you need a map, or a new map. Maybe you need help from others, friends, family, a mentor, or your Employee Assistance Program.
And if you don't need help, because you are choosing adventures, find someone who is not, and see if you can help them.
Make sure you contact us when you need help with something,
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PComp Announces $2 Million Dividend!
For the third consecutive year, PComp is returning funds to the members! CCAP's workers' compensation insurance pool is pleased to announce a $2 million dividend distribution to the members, with checks being sent in early September.
All PComp members are receiving dividend checks, and they range from $182 to $253,781. The average dividend was a little over $42,500.
Each member's dividend is based on their experience over five policy years (2009 - 2013). PComp's actuary calculated the dividend amount based on premiums paid, less incurred claims and administrative expenses.
The dividend was authorized by the PComp Board at their June 2015 meeting, based on the strong financial position of the pool. The dividend distribution was approved by Labor & Industry's (L&I) Bureau of Workers' Compensation, Division of Self Insurance. L&I does not allow dividends to be distributed from the most recent completed policy year, which is why the calculation does not include results from 2014.
This dividend means that over the past three years PComp has returned $6,006,670 to the members!
Year Dividend SIP Grants
2015 $2,000,000 $ 517,000
2014 $1,600,000 $ 517,000
2013 $1,372,670
Total $4,972,670 $1,034,000
If you were insured by a commercial workers' compensation carrier, this would have been profit, and you would not have received money back. Just another great benefit of belonging to a public entity risk pool!
In addition, the PComp Board continued funding for the new grant program, SIP (Safety Improvement Program) which will again provide each PComp member with up to $11,000 for safety projects in 2016! Don't forget to use your $11,000 for 2015 (use it or lose it!).
If you have any questions about your dividend calculation, or anything about PComp, please contact John Sallade at (800) 895-9039 x 3309 or email: jsallade@pacounties.org.
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Tips to Staying Well This Fall and Winter
School has either started, or will very soon, and our thoughts are shifting to autumn and all of its splendor. Your health care providers have different thoughts. They are preparing for cold and flu season.
Follow these tips to help you stay well this fall and winter so you can enjoy the seasons and not suffer through them.
1) Know the difference between cold and influenza (flu)
- It's important to know the difference between a cold and flu to determine when to call a physician and what to tell them.
- Colds are annoying but can mostly be treated with over the counter symptom relief products.
- Influenza can lead to pneumonia and other serious illnesses. Antivirals must usually be started within the first 48 hours of symptom onset to be effective.
- When in doubt, such as with fever, chest pain and severe cough and breathing difficulties, always call a physician for medical advice.
- Antibiotics are not appropriate treatment for cold or influenza unless a secondary infection, such as sinus, ear, bronchitis or pneumonia develops.
Sign or Symptom | Cold | Flu | Onset | Usually slow; over a few days | Usually fast; over a few hours | Fever | Rare or low grade; 99 to 100 degrees | Almost always and high; 100 to 102 or higher lasting several days | Headache | Unlikely | Common - can come on suddenly and severe | Chills | Unlikely | Common | Cough | Moist | Dry | Sneezing | Usually | Not typical | Body aches | Rare or mild | Severe | Fatigue | Mild | Severe | Sore throat | Mild | Not typical | Stuffy or runny nose | Usually | Not typical | Chest discomfort | Sometimes - mild to moderate | Common - can be severe | Vomiting, diarrhea | Not usually | Not usually. More common in children |
2) Get a flu shot
- The flu shot does not cause the flu. Typical side effects of the immunization are soreness at the site, low grade fever, mild body aches and stomach upset. If you develop cold symptoms it is most likely because you were exposed to someone with a cold or touched something, like the grocery cart, and were exposed to a cold virus. After all, it is cold season.
- The flu shot does not guarantee that you won't get the flu; however, it decreases the intensity and duration of the illness.
- The flu shot decreases your ability to spread influenza to others, such as the elderly, children or immunocompromised individuals.
- The flu shot is typically administered starting in October. It takes 10 to 14 days to obtain immunity. The immunization is most beneficial in the first three to four months and then begins to weaken.
- It's easy to get with many pharmacies, grocery stores and businesses offering it. Most insurance programs pay for it.
3) Wash your hands often and correctly
- The #1 most effective way and most cost effective way to stop the spread of infection is with correct hand washing.
- The CDC recommends this process: wet your hands with warm water, apply soap, use friction for 20 seconds making sure that the entire surface of the hand, wrist, and fingers is addressed, rinse from the wrist down, dry your hands and turn off the faucet with the paper towel.
- Thorough hand washing decreases the viral counts on your hands to a point below the infectious threshold.
- Wash your hands before you eat, before and after contact with an ill person, after you cough or sneeze, before, during and after food preparation, after using the rest room, before and after using personal protective equipment, after touching animals, when your hands are visibly soiled, and if you have to ask "Should I wash my hands?."
4) Use of hand sanitizers
- Use a 60 to 90 per cent alcohol concentration based hand sanitizer when soap and water is not available.
- Use the sanitizer correctly to be effective: apply a liberal amount to the palm of your hand and use friction to cover all surfaces of the hand until the sanitizer dries.
- Remember that hand sanitizers do not kill all classes of germs. Hand washing is best.
- A hand hygiene regime that includes both hand washing and hand sanitizing is an effective process to prevent transmission of organisms.
5) Cover your cough and sneezes
- The CDC recommends you cough or sneeze into a tissue and dispose of it immediately. If not available, use your inner arm. Avoid coughing or sneezing into your hands.
- When you capture a cough or sneeze in your hand, you're likely to pass the virus on to someone else via door knobs, elevator buttons, phones and pretty much anything you touch.
6) Avoid touching your face, mouth and eyes
- Cold and flu viruses can be introduced into your body from your hands.
- 80 per cent of all infectious diseases are transmitted by touch.
7) Keep surfaces at home and work clean
- Utilize antiseptic wipes at your work area
- Bleach is a wonderful surface sanitizing agent when used correctly: One tablespoon per gallon of water for kitchen use and 2.5 tablespoons per gallon for bathrooms, do not mix bleach with other household cleaners, do not mix with hot water, clean the surface before sanitizing, do not use on stainless steel, and use it in a well ventilated area. For other mixing directions, refer to manufacturers' guidelines.
8) De-stress
- Stress weakens the immune system.
- Exercise, sleep, pets, good eating habits and sticking to a holiday budget can help reduce stress.
9) Stay home when sick
- A scary fact about the cold and flu viruses is that you can shed the virus one to three days before you have signs or symptoms of illness. This is a reminder why hand hygiene is so important.
- This does not eliminate the need to stay home when you are ill as you will continue to shed the
virus for several more days once your symptoms develop. - Keep it to yourself. Keep your co-workers safe by staying home.
10) Wash your hands and get a flu shot
- Just because it deserves repeating; frequent, correct hand washing and influenza immunization are the best ways to prevent transmission of the influenza and cold viruses.
Prevention is the key when fighting winter viruses. Stay well and enjoy the changing seasons.
For suggestions and assistance with your influenza prevention wellness program, contact our Risk Control Specialists;
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Fall Workshop Season Starts in September!
The fall workshop season is here! We have a great season planned with topics such as our always popular Excellent Supervisor Seminar, Defensive Driving Course, Prison Personnel Workshop as well as sessions on communicating effectively, workers' compensation and supervisor/employees relationships. We will also be offering the County Risk Managers Council in Harrisburg and in Cranberry Township.
You should have received your copy of the Glimpse in early August. If you have not received your copy, or would like additional copies, please let us know. Glimpse Online and online registration is up and running.
As a reminder, if your county is a member of the sponsoring Insurance Programs, workshops are free to attend. This now includes all Defensive Driving Courses for PComp and PCoRP members.
To check if your county is a member of the sponsoring program, please refer to Glimpse Online and CCAP Insurance Programs Member Listing.
Here is a quick look at the upcoming fall workshop season. Mark your calendars!
FALL WORKSHOP OPPORTUNITIES:
SEPTEMBER
Leadership Skills
Leadership Skills
Leadership Skills
OCTOBER
Can Do About It
Can Do About It
Can Do About It
Do About It
NOVEMBER
The CCAP Insurance Programs continues to collaborate with the Academy for Excellence in County Government. Please refer to our website for additional information on co-sponsored events. These workshops are FREE to current Academy participants.
As always, if you have any questions, please feel free to contact Linda Rosito, Risk Management Training Director at (800) 895-9039 ext. 3328.
I look forward to seeing you this fall!
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Upcoming Events SCHRPP Annual Conference September 10 - 11, 2015 Sheraton Erie Bayfront Hotel, Erie, PA PCoRP Board Meeting September 11, 2015, 10 a.m. CCAP Office, Harrisburg PIMCC Nurses Seminar September 17, 2015, 9 a.m. - 4 p.m. CCAP Office, Harrisburg PComp Board Meeting September 25, 2015, 10 a.m. CCAP Office, Harrisburg UC Trustees Board Meeting October 9, 2015, 10 a.m. CCAP Office, Harrisburg PIMCC Board Meeting October 23, 2015, 10:30 a.m. CCAP Office, Harrisburg |
New CCAP Associate Members CCAP welcomes the following new associate members who have joined the organization since January 2015: |
HOT TOPIC
Budget Time Again!
Each year we try to provide some educated guesses about what insurance costs will be like for 2016. Here are our prognostications:
Workers' compensation - rates seem to be pretty stable, and there is a good bit of competition on price. Watch for those who offer low rates and no services. PComp's finances are very good, and we are hoping to see no rate increases, or a very low one.
Liability and property insurance - there is a lot of capacity in the insurance market right now, and in general prices are pretty stable. Depending on long term stock market returns, this could change. Right now it looks like flat to five percent increases, possibly less for property. PCoRP is financially strong, and the board continues to be committed to responsible pricing, so PCoRP members can plan on being in that flat to five percent window or better.
Unemployment compensation insurance - CCAP's UC Trust is also in good financial condition, and we do not anticipate any major rate increases for 2016. At this point we suggest budgeting for no more than a five percent increase. If your claims have been low for the past couple of years, then less is warranted.
Health insurance average rates are harder to estimate. It looks like increases will be in eight to ten percent range, but that is just a guess. The market is still competitive, and many employers are making changes in benefits too, so there are a lot of variables to consider.
As we remind you every year - these opinions are NOT reflective of your county's claims history. If you have had higher than normal claims costs, and/or if you have had increases in exposures (new buildings, more employees) that will impact your cost.
For more information, contact Karen Cohen, Property & Casualty Programs Manager at CCAP.
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Quote of the Month
"We live in a wonderful world that is full of beauty, charm and adventure. There is no end to the adventures that we can have if only we seek them with our eyes open."
- Jawaharial Nehru
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