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Monthly Archives

March 2015

Excavation Safety – Inspect your workspace from top to bottom

By Construction Insurance Bulletin

Before construction begins on any site, it’s a good idea to walk through your work.  Excavation is a tricky operation because the operator must focus on surface down; however, some of the worst possible accidents can occur above the equipment.

 

First, have the utilities identified by the marking service operating in your area or state.

 

Overhead wires, cables, tree branches or structures can be struck by the boom if not properly managed.  A walk-through helps select the proper equipment and point of attack.

 

Start by looking up.  Any problems such as wires?  Note them in the instructions for your operator.

 

Bring your eyes down to boom swing level.  Parking areas, decks, office trailers, anything that can get hit by a boom needs to be noted.

 

Bring the utilities maps, existing and proposed, and double check locations.  The markers and you can both make errors in location.  Are all electrical lines and fiber optics located and in agreement with the utility plans?  Any high pressure gas lines or pipelines?

 

Use white marking paint to layout your workspace.  Can you excavate, load trucks and stockpile fill logically and safely?  Ample ingress and egress for trucks?  Minimum of trucks backing up?

 

Map the entire process out, make notes, and share them with your operator.

 

Okay, so why check from the top down?

 

The focus shifts to the trench, basement, utility or whatever operation you’re performing so naturally, that many people forget the big picture.  The focus of the crew tends to stay downward once the operation begins.  It is important to design the operation so the overhead exposures remain minimally invasive.

 

Any time in the process that the unexpected is encountered, for example the fiber optic line is twenty feet from where it shows on the existing plan, begin the inspection over again from that spot.  Look up and begin.

 

Too many accidents occur when the equipment moves to accommodate a seemingly small adjustment, but nobody checks all three dimensions where the equipment operates.  Get into the habit of top down.

 

Usually, installations begin from the lowest elevation and move to the highest.  If you inspect from the top down, you will anticipate the shortest “ceiling” you’ll be working under.  Mark that spot mentally and with white paint.  That will be your most dangerous above ground impediment.

 

Remember: top down inspections for safe digging.

Electrocution Safety – GFCI and AEGCP

By Construction Insurance Bulletin

Electrocution safety – could there be too much vigilance?  It happens so fast there’s no time to say oops or rethink.

 

One professional electrician, always thoughtful about his work, always safe, was splicing a wire to an outdoor light post.  Of course he checked the line and there was no current.  What he didn’t check was whether or not the light was on a timer.  Be overly cautious.

 

The Occupational Safety and Health Administration (OSHA) requires Ground Fault Circuit Interruption (GFCI) protection on all jobsites unless a documented Assured Equipment Grounding Conductor Program (AEGCP) is in place.

 

For those unfamiliar with an AEGCP, the requirements are as follows:

1. The plan must be in writing and available on site, on demand.

2. The plan must schedule all inspections and procedures for taking equipment or tools out of service or bringing them back in.

3. Make one person responsible who knows how to spot a defect and has the authority to correct said defect.

4. Check all equipment, cords and receptacles prior to use every day.  Take any defective equipment out of service.

5. OSHA requires a continuity test and a terminal connection test before the first use of any tool or equipment, after any repair and prior to returning to service, after suspected damage, and quarterly.

 

Certainly, your site will be protected by GFCI.  This safety feature is marginally very low cost.

 

Doesn’t it make sense to implement a layer of redundancy, the AEGCP?  First, it gives you a schedule to double check all your tools, cords and machines for safety.  Second, it gives you a protocol for checking subcontractors and tools they bring to the site.  Third, for the few minutes each day it takes to comply, you may save a colleague from electrocution.

 

Job site safety concerns avoiding situations which can cause injury.  Grounding all electrical appliances is among the most important precautions you can take.  The double check, the redundant system, the mindset to check to cut off power and check for those timers, create habits that can save lives.

 

Check your electric tools today to get started.  Check the terminal connections and run the continuity test.  Check your cords, any defects or missing prongs?  Find the right person to establish and manage the AEGCP.

 

Which Employee Benefits Do Professionals Value Most?

By Employment Resources
If your employer offers a generous benefits package, be grateful. Your company understands that providing things like health insurance, matching retirement funds and wellness programs improves employee satisfaction and loyalty. Which benefit is your favorite? While that may depend on your current life situation and needs, a recent survey by One Medical Group reveals the top employee benefits professionals value.
Top Benefits According to Employees
So which benefits do professionals value most? Medical insurance tops the list and is followed by life insurance. The 401(k) plan comes in third. The survey found, though, that many companies don’t offer employee matching for 401(k) contributions. Encourage your company to participate in this key benefit or discuss your retirement accounts with your insurance agent as you maximize your savings.
Benefit Package Goals
Because companies constantly evaluate the bottom line, they may cut benefits or place more financial responsibility on employees. Managing costs isn’t what employees want from their benefits packages, though. Two-thirds of the survey respondents want their benefits to prioritize health. Employee retention and future planning are also top goals employees would like benefits to address.
The Road to Wellness
Less than 30 percent of survey respondents think their benefits provide adequate wellness programs. Nearly half want to see more focus on wellness, which includes weight loss management and smoking cessation. Let your employer know your opinion and join forces with your coworkers to promote wellness at work.
Receive Enough Benefits
The majority of survey respondents believe their benefits package compares or exceeds the benefits offered by other employers. Almost 40 percent, however, think their benefits are decreasing. If your company offers competitive benefits, take advantage of them. However, if you’re seeing reduced  benefits, contact an insurance agent and purchase additional coverage that offers the protection you need.
Communication is Important
The survey goes on to reveal that almost three out of four employees understand all the ins and outs of their employee benefits package. Unfortunately, the other one-fourth still have questions about what’s covered, how much it costs and even which benefits are offered. Talk to your human resources manager or insurance agent today and become familiar with all the benefits available to you.
Overall, many professionals feel that their benefits package is adequate, but there’s always room for improvement. Do you agree? Discuss your opinion and benefits options with your human resources manager today as you maximize your benefits, including the ones you value most.

Do Single Employees Need a Flexible Spending Account?

By Employment Resources
Does your employer offer flexible spending accounts? They’re a convenient way to save money for a variety of dependent and medical expenses. As a single adult, you may not have children or huge medical expenses. Should you open a flexible spending account?
What is an FSA?
A flexible spending account allows you to save money for medical expenses that aren’t covered by your health insurance. It also covers certain dependent care expenses. Set it up through your employer, and take advantage of tax savings since FSA funds are exempt from payroll taxes.
How Does an FSA Work? 
When you sign up for an FSA, your employer sets money aside from each of your paychecks. New rules for 2015 allow you to contribute up to $2500 annually into your FSA. Previously, unused FSA funds expired at the end of the year, but the Patient Protection and Affordable Care Act now allows you to transfer $500 in unused FSA funds into the next year.
What Expenses are Covered? 
The money you save in an FSA can be used for numerous expenses. Dependent care is one of the most popular expenses FSAs cover. You’ll be able to save up to $5,000 and pay for day care expenses required by dependents younger than 13 or any child with a physical or mental disability that prevents him or her from providing proper self-care.
As a single adult, you might not have children, though. Then use the money to pay for dependent expenses related to the care of your senior parents or grandparents. As long as you claim your older family members on your taxes, you can use FSA funds to pay for their care.
So what if you don’t have kids or older parents? Consider opening an FSA anyway and use the money to pay for medical expenses like those listed on IRS publication 502. They include:
  • Copays
  • Deductibles
  • Medication
  • Crutches, bandages and other medical devices
  • Dental and vision expenses
An FSA allows you to save money each week for dependent care or medical expenses. As a single adult, you may not need an FSA, especially if you don’t have children, senior parents or costly medical needs. However, this tool is a wise and highly recommended way to cover expenses that are unpaid by your insurance policy. Talk to your human resources manager or insurance agent today about opening an FSA.

How to Choose a Medical Specialist Your Insurance Covers

By Employment Resources
Regular visits to your primary care physician provide essential preventative care that helps you stay healthy. However, you sometimes need to see a heart, diabetes or surgery specialist. Do you know where to turn? Learn how to choose a medical specialist who accepts your insurance as you reduce expenses and improve your healthy.
1. Ask Your Primary Care Physician for Referrals
Your primary care physician is an excellent resource when you need a reputable, experienced and trusted specialist. Ask him or her for a list of suggested specialists who can handle your unique needs.
2. Read Your Policy
Many insurance policies include details about covered services, including specialists, so inspect the paper or online copy of your policy. Look for the specialists your physician recommended or search for doctors who practice near your home or office.
3. Call Your Insurance Company 
Your insurance agent or a customer service representative will gladly help you find a covered specialist. Simply state which specialist you need to see, share the desired location or provide the names of specialists your primary care physician recommended.
4. Call the Specialist
If you know exactly which specialist you want to see, call him or her directly. The front desk clerk can usually advise you on whether or not the specialist accepts your specific insurance.
General Tips to Consider When Choosing a Specialist
While insurance coverage is an important factor to consider when choosing a medical
specialist, think about several additional factors, as well.
*Verify board certification. Ideally, the specialist you see should have completed a residency and passed a competency test in his or her field.
*Check for good standing. The Federation of State Medical Boards offers details on a specific specialist’s standing and helps you choose a reputable one. 
*Ask about payment details. Even with insurance coverage, copays, x-rays, blood work, tests and your deductible can be pricy. Some specialists also require you to pay in advance. Discuss these details and make payment arrangements before your first appointment.
A specialist provides advanced medical treatment and care and is an invaluable part of your overall health. Be sure the specialist you need to see is covered by your insurance before you schedule your next appointment. If you change jobs, move or need to switch insurance companies for any reason, consider insurance options that include your preferred specialist.

Top Five Workers Comp Injuries

By Employment Resources
In 2013, the Bureau of Labor Statistics reported that 3,007,300 people were injured on the job. The majority of those injuries fit into five main categories. Understand the top five workers comp injuries you face as you protect yourself at work.
1. Overexertion
Whether you lift heavy packages, pull large laundry carts or perform a repetitive motion all day, overexertion is a real threat. It caused over a quarter of all worker comp injuries in 2012 and cost companies $15.1 billion according to a 2014 Workplace Safety Index report. Protect yourself when you bend at the knees to lift, wear appropriate protective equipment, take frequent breaks and employ other appropriate techniques that protect you from overexertion.
2. Falls, Slips and Trips 
Slippery floors, snow-covered sidewalks and loose carpeting all contribute to falls, slips and trips. Together, these injuries create the second highest cause of workplace injuries, and they cost companies $9.19 billion in 2012. Because these injuries that can occur in any place of business, wear sturdy shoes, watch where you’re walking and avoid slippery spots as you prevent falls, slips and trips.
3. Being Struck by an Object 
Being struck by an object can occur when objects fall off a high warehouse shelf or projectiles fly around the lab. Proper stacking can prevent some of these injuries, but you’ll also want to pay attention to your surroundings and consider wearing protective gear like a hard hat or steel toe boots.
4. Falls to a Lower Level
This type of injury cost companies $5.12 billion in 2012. As you climb ladders, inspect roofs, walk up stairs or perform other duties from an elevated surface, protect yourself with a safety harness, sturdy shoes and caution.
5. Bodily Reaction
Sometimes, people slip or trip but use their body to prevent injuries. Unfortunately, this bodily reaction may cause injuries to knees, elbows, wrists and ankles. Take care as you walk and pay attention to your surroundings because these protective measures could prevent a painful and serious injury.
Preventing workplace injuries is possible, but accidents do happen. Protect yourself with safety gear and attention to details. Also, make sure your employer offers workers comp insurance and understand what it covers as you stay safe on the job.

What to Expect During Your Life Insurance Medical Exam

By Life and Health
Before purchasing a life insurance policy, you may be required to undergo a medical exam. Insurance companies use the results to determine their risk in insuring you. Your premium costs could depend in part on the medical exam results, too. Knowing what to expect during this exam prepares you to obtain accurate results and the best life insurance policy rates and coverage.
Do all Life Insurance Companies Require a Medical Exam?
Purchase life insurance when you don’t have a serious medical condition like diabetes, cancer or HIV, and you probably will be asked to fill out a medical history form rather than undergo a complete medical exam. Additionally, certain online companies offer non-exam policies that require no medical history form or exam, but those policies often include reduced coverage and higher premium costs.
Who Performs the Exam?
A medical professional will come to your home, office or other location to complete the life insurance medical exam. He or she will contact you to determine the best time and location as well as answer any questions you may have about the exam.
How Long Will the Exam Last? 
Most life insurance medical exams take 15 to 30 minutes. Expect to undergo physical tests and answer a medical history questionnaire about your current health and family health history.
What Happens at the Medical Exam?
Expect to undergo several different procedures during  your life insurance medical exam. The medical professional will measure or test your:
*Height and weight
*Blood pressure
*Pulse
*Urine
*Blood
*ECG/EKG (if needed)
How Should you Prepare for the Medical Exam?
Like any medical test, you want to prepare so that you can get the most accurate results. Suggested preparation includes:
*24 hours before: Avoid strenuous exercise.
*12 hours before: Avoid alcohol, high-cholesterol foods including eggs, fried foods and red meat, decongestants and pain medication like aspirin, ibuprofen or acetaminophen.
*8 hours before: Avoid caffeinated beverages, and fast from all foods if necessary.
*1 hour before: Begin drinking plenty of water for the urine sample.
Your life insurance company may not require a medical exam, but if they do, you’ll appreciate knowing what to expect as you secure the best rates and coverage. Talk to your insurance agent, too, about additional ways you can find the right policy for your needs.

Why is Life Insurance So Important?

By Life and Health
You probably don’t sit around with your friends and discuss life insurance, but it’s an important part of your financial portfolio. Learn why as you decide whether life insurance is right for you.
What is Life Insurance?
A life insurance policy provides a financial payout to your survivors if you die. It’s a valuable tool in your estate planning portfolio since it protects your loved ones from financial stress or devastation after your death.
What Does Life Insurance Cover?
Purchase a life insurance policy, and your surviving beneficiary can use the money for a variety of purposes.
1. Cover funeral expenses. The average funeral cost $7,045 in 2012, according to the National Funeral Directors Association. Reduce your survivors’ financial strain with life insurance funds that cover this necessary expense.
2. Replace income. Because your survivors depend on your income for basic living expenses, they’re at risk of losing their home, vehicle and other assets after your death. Your life insurance policy can provide your survivors with financial stability.
3. Repay debt. Student loans, credit cards, vehicles, mortgages and other debts can burden  your survivors. Purchase life insurance, and the policy can repay debt and reduce the financial strain your survivors feel.
4. Pay estate taxes. After your death, your survivors will owe estate taxes on any assets you own. Instead of affecting their budget, they can use your life insurance funds to pay this expense.
5. Save for the future. Fund your children’s college education, help your partner start a business or support your parents’ retirement. Your life insurance policy can fund these and other future plans.
Who Needs Life Insurance?
Many people think life insurance is necessary only for parents of young children. After all, those survivors could face severe financial strain without adequate resources to provide for their basic needs. In reality, anyone who’s single, married, young or old benefits from the financial peace of mind a life insurance policy provides.
How Much Life Insurance do you Need?
Everyone’s life insurance needs differ, so you’ll want to evaluate your finances and situation as you decide how much life insurance to purchase. Consider what your life insurance funds will cover, how much money your survivors need to live comfortably and the premium amount you can afford. Your insurance agent can work through these details with you to ensure you have adequate protection that secures your loved ones’ futures and gives you peace of mind.

Which Adult Immunizations Does Your Health Insurance Cover?

By Life and Health
Did you get your annual flu shot? Flu season might be almost over, but it’s still a good idea to think about updating all your immunizations that protect you and others against life-threatening illnesses and diseases. Find out more details about the adult immunizations your health insurance covers as you take care of your health.
What Immunizations do you Need?
The Center for Disease Control and Prevention recommends almost a dozen immunizations for adults. Here’s a short list.
*Hepatitis A – two doses
*Hepatitis B – three doses
*HPV – three doses for 19-26 years old males and females
*Influenza – annually for all ages
*Measles, Mumps, Rubella (MMR) – one to two doses for adults aged 19-54
*Meningococcal – one dose
*Pneumococcal 13-valent Conjugate (PCV13) – one dose
*Pneumococcal Polysaccharid – one dose before age 16 and one dose after age 64
*Tetanus, Diphtheria and Pertussis – once then one booster every 10 years
*Varicella – two doses
*Zoster – one dose for 60+ year olds
How to Pay for Immunizations
If you’re covered by a Healthcare Marketplace plan or other private insurance, your immunizations are typically covered even if your annual deductible hasn’t yet been met. Talk to your insurance agent or healthcare plan administrator for complete details.
Other insurance plans also cover immunizations. Medicare Part B covers flu, Pneumococcal and Hepatitis B vaccines and pays for vaccines that treat injuries or protect you against any illnesses or diseases, including tetanus or rabies, to which you’ve been exposed. Medicare Part D uses formularies to identify which vaccines they cover, so discuss the details with your insurance agent. Medicaid insurance provided by your state can cover most of the recommended immunizations.
Where to Get Your Immunizations
Your primary care physician typically provides the immunizations you need. Your workplace, local pharmacy, health clinic or community center can also provide the vaccines you need.
Does Your State Require Unique Immunizations?
In general, every state encourages the same immunization schedule. However, you may find that your state’s health department occasionally updates recommended immunizations, especially during an illness or disease outbreak. Contact your state health department at http://www.statelocalgov.net for details. Additionally, check http://wwwnc.cdc.gov/travel/destinations/list  for a list of recommended vaccines before you travel internationally.
Staying healthy is an important part of your life. Stay updated with adult immunizations.

How to Get Your Health Insurance to Pay For Nutrition Counseling

By Life and Health
According the Long Beach, California Department of Veterans Affairs Medical Center study, over half the people with high cholesterol who visited a dietitian only three or four times were able to stop taking cholesterol medication. Diabetes, kidney problems, heart disease and other medical conditions can also be prevented or reduced with proper nutrition. Although insurance companies pay for treatment and surgeries associated with chronic diseases, many don’t cover nutrition therapy that could reduce those diseases. Does yours?
Obtain a Referral From Your Physician
If your doctor believes nutrition therapy is essential to your health, ask him or her to write a referral. This professional recommendation increases the chances of having nutrition therapy covered by your insurance.
Emphasize the Medical Need
Your insurance company might pay for nutrition therapy if it improves health conditions like obesity, diabetes or high blood pressure. Plus, use terms like “medical nutrition therapy/management/treatment” rather than “nutrition counseling” as you emphasize the medical need.
See a Registered Dietician
A variety of medical professionals can offer nutrition advice, but your insurance company is more likely to pay for you to see a trained and certified registered dietician. Your doctor, local hospital or the American Dietetic Association can suggest registered dieticians in your area.
Document Financial Savings
Although registered dieticians charge between $50 and $125 per session, the National Academy of Sciences’ Institute of Medicine (IOM) found that Medicare patients who received nutrition therapy for high blood pressure reduced healthcare costs by anywhere from $52 to $167 million over five years. Prescription drug expenses can also decrease by $60,000 per year thanks to nutrition therapy. Ask your dietician to document the savings you achieve when you stop taking medication or no longer need surgery, and share that savings with your insurance company as you make your case for nutrition therapy reimbursement.
Ask the Dietician to Talk to Your Health Plan Director
You may be unable to persuade someone in customer service to cover nutrition therapy. However, ask your dietitian to discuss your specific case with your health plan’s medical director who has more pull in paying claims.
Keep Asking
Be sure to submit each nutrition therapy bill and progress report. Your persistence might change the insurance company’s mind about covering this important medical need.
Nutrition therapy helps you stay healthy. These tips can ensure your health insurance covers your efforts to become physically healthy this year.