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Monthly Archives

March 2016

People You Don’t Need On Your Crew

By Construction Insurance Bulletin

con-0316-2It’s an uncomfortable truth of construction jobs that it’s better to put a start date off for a couple of weeks than it is to move forward with a crew that isn’t quite up for the task at hand. There are some people that you’re just better off not hiring.

Substance Abusers

There’s a big difference between substance use and abuse. There are people who drink at the end of the day, people in Colorado who smoke pot on weekend, and of course, a lot of us in construction can’t live without coffee and cigarettes. The difference between use and abuse is whether or not it’s affecting your daily life. You don’t need someone showing up for work drunk and trying to operate heavy machinery when they can’t even stand up straight. It’s simply not worth the risk.

The Exceptionally Inexperienced

Most people in construction didn’t attend a university to learn how to operate a screwdriver. In this industry, we do most of our learning on the job. Most of your gofers, for instance, are probably working their first professional construction job, or at the very least, they haven’t been paying their rent on construction sites for more than a year or two. What you don’t need, however, is a bunch of employees who have never so much as replaced a doorknob without calling in a professional. Even the lowest ranked new hires on the job should at least know the difference between a Philips and a flathead.

The Totally Disinterested

Having one or two part-timers on staff is fine. Extra hands on deck are never a bad idea. The problem is when you have too many people who are just not that interested in the work up and quitting on you all at once, leaving you short-handed and unable to complete a job on time and under-budget. There are day labor agencies to help you out in these scenarios, but it’s easier when you know the people you’re working with, and you don’t have to leave the house an hour early in the morning to replace the guys who quit yesterday, or worse, just plain stopped showing up one day.

One of the great things about running a construction site is that there’s always work to go around, it’s a great industry for giving opportunities to young people who don’t have advanced degrees or a lot of on-the-job experience. With time it becomes easy to tell the people who appreciate that opportunity apart from the ones that don’t.

What You Need To Know Before Setting Foot on a Construction Site

By Construction Insurance Bulletin

con-0316-1So you have some people coming to visit the site, and they have zero experience on construction jobs. How do you make sure that they stay safe while touring the facilities? Here are some tips:

HARD HATS AND GOGGLES

Make sure anyone visiting the site is fitted with hard hats and goggles and that they understand the importance of proper safety gear. These can make the difference between a funny story and a lawsuit that puts your client out of commission.

WHAT TO COVER IN A SAFETY BRIEFING

Different points will vary from site to site, but there are a few basic points that are pretty universal:

-Stay with your guide.
-Don’t touch anything unless it’s a handrail.
-Don’t lean on anything.
-Here’s where we keep the first aid kits.
-Keep long hair, loose clothes and shoelaces tied and tucked.
-The bathroom/portable toilet is right over there.

As long as you’re escorting normal people and not the Three Stooges around a job site, then these points should be enough to cover most work stations.

OFF-LIMITS AREAS

You really don’t want anyone who isn’t working on the job to be around live, exposed wires, walking through confined spaces, or climbing ladders and navigating scaffoldings. Let your visitors know where they shouldn’t be, and plan your tour of the site around these areas, not through them. If they absolutely need to check out one of these areas, there’s always a safe alternative. You can send them photos, or let them look at it from a safe distance.

KEEP IT BRIEF

Construction sites are a high-risk environment. People who work in construction know the risks and have spent their entire career learning to better navigate the dangers of a job site. Your visitors have not. You don’t want to rush people along, but keep the tour going at a brisk pace, have them ask questions after the walk-through, and don’t keep your visitors in the danger-zone any longer than absolutely necessary.

Some construction professionals would rather just not have any visitors at all, under any circumstance, and ideally, that would always be an option. But, sometimes a client wants to see what their new living room is going to look like, or the architect needs to give some notes. It would be safest to have nobody on the job who isn’t working there, but when that’s not an option, make sure your visitors know the basic safety procedures.

How to handle the Office Bully

By Your Employee Matters

em-0316-4Bullying happens everywhere, including the office. People who are bullies may act that way out of habit or to feel powerful or look important. Learn how to handle the office bully as you improve your work environment and decrease your stress.

Review Your Actions

You never want to blame yourself for a bully’s behavior. The individual alone makes the choice to act unkindly toward you. However, you can consider if your attitude or actions could make you a target. Do you show gratitude to everyone for their contributions, share credit for team projects and check your aggression? A trusted coworker can tell you honestly if there’s something you do that increases your risk of being bullied.

Stand up for Yourself

When you’re the target of a bully, you may be tempted to fight back or become a doormat. In the office, it’s important to maintain your professionalism. Resist the urge to get in a shouting match or act in a passive aggressive manner. These actions only fuel the bully and reduce your chances of finding a solution. Instead, take action and make clear “I” statements that show that you will not be pushed around.

Ask Allies to Stand With You

Your trusted coworkers or teammates will help you keep a level head as you deal with the office bully. They will also help you organize your evidence and stand with you as you confront the bully or talk to HR.

Talk to Human Resources

If your actions don’t achieve results, talk to your HR manager. Remain as emotionally neutral as possible and avoid “he said/she said” statements. Do calculate the cost of the bullying. Because a bully can affect office morale, performance and productivity, the company can suffer. Be prepared to share these costs when you report bullying behavior.

Report Violent Behavior Immediately

When the office bully threatens you in any way, report it immediately. Do not wait! Record the dates and times and what was said or done.

Prepare to Switch Jobs

Despite sanctions or warnings, the office bully may not change. In this case, you may need to move to another department or leave the company. If you absolutely cannot switch jobs, look for ways to survive your situation, which may include working different hours or eating lunch off premises.

The office bully can make your work day miserable. However, these tips help you handle the situation and find relief. Discover more ideas when you talk with your Human Resources manager and work together to create a safe and productive work environment.

Can You Employ Minors?

By Your Employee Matters

em-0316-3Hiring young people might be tempting for a business. After all, the labor is affordable since kids don’t demand high salaries and won’t need health, retirement and vacation benefits like their older counterparts. Kids are also enthusiastic, willing to do grunt work and able to handle hard labor. Before you hire minors, though, understand the law.

Federal Child Labor Rules

Find the rules about child labor in the Fair Labor Standards Act (FLSA). It divides minors into categories based on their age.

Children under 13 may not be employed unless the job is on a farm or in a business operated by parents or guardians.

Children who are 14 to 15 years old have several restrictions.

  • During the school session, they can work a maximum of three hours per day and 18 hours per week.
  • Non-school sessions can include eight hours of work per day and 40 hours per week maximum.
  • They may only work from 7 a.m. until 7 p.m. or until 9 p.m. from June 1 to Labor Day.
  • Hour and day restrictions do not apply for kids who are employed by parents or guardians.
  • They may not perform hazardous jobs, including driving motor vehicles, mining, operating certain power tool, logging, manufacturing or meat packing, packaging or slicing.
  • State minimum wage guidelines apply.

Children who are 16 to 17 years old can work unlimited hours per day and days per week. Certain hazardous job limitations and state minimum wage guidelines apply.

Children over 18 are considered adults and have no restrictions on work hours or days.

Exceptions to FLSA rules do not apply to kids who work as actors, deliver newspapers or work at home with evergreen materials. Agricultural exceptions also exist.

Paperwork Requirements

If you decide to hire minors, make sure your paperwork is in order.

  1. Use an official birth certificate, driver’s license or other document to verify the minor’s age.
  2. Obtain an age certificate from the Department of Labor’s Wage and Hour division.
  3. Your state may require you or your minor employee to get a work permit available through your state’s Department of Labor.
  4. Get permission from the minor’s parent and school. The authorization form is available from your state’s Labor and Industry department.
  5. Retain employment records for at least three years. The information includes the employee’s name, address, occupation, employment dates, pay rate, hours worked and pay received.

Before you hire minors for even small tasks like filing papers or cleaning your office, check the federal laws and your state’s Department of Labor’s website. Talk to your insurance agent and attorney, too, as you make sure you’re following the law.

Guidelines for Employee Political Contributions

By Your Employee Matters

em-0316-1The next United State’s president will be elected in November, and candidates and their supporters are actively fundraising now. You are free to donate to any candidate you wish, but there are rules that affect your financial contributions at work. Know the guidelines for employee political contributions as you support your favorite candidate.

The Federal Election Campaign Act limits the amount of money an individual can contribute to candidates who run for a federal office. Those limits are $2,700 per federal candidate, $5,000 per state, district or local party committee and $100,200 total per year.

The Act also prohibits employers from forcing employees to make political contributions. In the weeks leading up to the 2012 presidential election, a senior executive at an Ohio company allegedly forced employees to contribute to the political action committee established by the company.

That action is illegal, but it’s not unusual. Many individuals have strong feelings about their favorite political candidates. In their zeal to see their candidate get elected, they may use their positions of authority to coerce employees to donate money.

FEC regulations list several examples of ways employers can force employees to make political contributions. They can threaten to demote or fire you, lower your pay rate or insist that you support a fundraiser.

While the Federal Election Campaign Act limits individual contributions during federal elections, it also prohibits certain contributions that are solicited or unsolicited, given as a gift, in-kind contribution or loan and used for any purpose, including advertising, travel or office supplies. You cannot contribute if you:

  • Donate with the intent to influence federal elections
  • Are a sole proprietor and have a government contract
  • Are a foreign national who does not have permanent U.S. residency
  • Donate more than $100 cash
  • Make a contribution in someone else’s name
  • Are a corporation, national bank or labor organization not associated with a political action committee or PAC

There is a fine line between forcing and encouraging employees to support a certain candidate. If your employer participates in any of these tactics, file a complaint with the FEC at www.fec.gov.

Several states also have labor laws that affect political actions. In these states, an employer cannot pressure employees to participate in political activities of any kind.

If you’re the employer who’s passionate about a certain politician, you can support your candidate. Be sure to follow the law, though. Share your ideas with your attorney to make sure your actions are legal.

2016 is an important election year, and the pressure to push hard for a certain candidate is tempting. Understand the rules about political donations as you support your favorite candidate and obey the law.

Has the End of On-Call Scheduling Arrived?

By Employment Resources

er-0316-3Many retailers rely on on-call scheduling. When someone calls off, crowds swell or during an emergency, an employer can call a handful of employees who are available basically 24/7. Lately, several retailers have ended their on-call scheduling based on employee feedback and pressure from labor groups and regulators. Learn more about the demise of on-call scheduling as you decide if it’s a smart business decision for your company.

The changes stem from an investigation performed by New York attorney-general Eric Schneiderman. He sent letters to several retailers in April 2015 questioning their on-call scheduling practice.

In New York, employers must provide at least four hours of pay to employees who come to work, even if they do not work a full shift. Schneiderman’s office pointed out that requiring employees to call into work the night before or a few hours before their shifts could be considered the same thing.

J.Crew listened to the letter and is the latest retailer to end on-call scheduling. It joins Gap, Urban Outfitters, Bath & Body Works, Banana Republic, Old Navy, Athleta, Abercrombie & Fitch, Intermix, Pier 1 Imports and Victoria’s Secret. Workers will now receive a one-week notice about the schedule details in all New York locations.

Schneiderman praises retailers who are changing their policies. He notes that ending on-call scheduling gives employees a predictable schedule and allows them to manage their budgets more effectively, plan family and childcare responsibilities, make transportation arrangements and avoid other challenges brought on by unpredictable work hours. The change will also benefit the lowest paid workers who typically have the most irregular work schedules.

There are still seven companies whom Schneiderman’s office has contacted about its scheduling practices that have not changed their on-call scheduling practices. They will most likely do away with on-call scheduling soon based on pressure to provide equal opportunities to all employees.

Other scheduling problems may also be addressed thanks to the pressure. For example, Starbucks has committed to cutting its clopening practices. They will no longer require an employee to close at night and reopen the next morning. Retailers are also looking into posting schedules at least one week in advance. Labor groups hope these changes prompt even more schedule overhauls that do away with two shifts per day, rotating shifts and irregular work hours.

Whether your business is located in New York or another state, consider your on-call scheduling practices. Change is coming. Research the labor laws in your state to ensure you’re following them. Also, consider how your scheduling practices benefit or harm your employees. Take time today to make sure you’re following the law and promoting beneficial scheduling tactics that attract and retain employees.

How to Find Quality Hourly Employees

By Employment Resources

er-0316-2Up to 60 percent of the United States workforce is paid hourly. It can be challenging to find and retain reliable hourly workers, though. Plus, when your business loses an hourly employee, you also lose between 30 and 150 percent of that person’s annual income, which is a big hit to your bottom line.

Discover a few tips that help you find and hire quality hourly employees for your business.

    1. Recruit employed workers. You certainly can focus your recruiting efforts on finding unemployed candidates, but don’t exclude workers who may already have a job. They may be looking for a position that offers better flexibility, fulfillment or working conditions.

 

    1. Offer less hours. Most hourly employees prefer to work less than 30 hours per week. If you insist on hiring only workers who will work 40 or more hours per week, you exclude the majority of skilled hourly employees.

 

    1. Target the right demographic. In the past, hourly employees may have been teens or young people. Today, one-third of all hourly employees are between 25 and 44 years of age and slightly less than one-third are over 45 years old. If you only look to hire young workers, you miss the majority of applicants.

 

    1. Become a magnetic company. Your company’s reputation, culture and benefits package plays a big role in attracting quality employees. Take action today if you need to improve this aspect of your business.

 

    1. Simplify the application process. Accepting applications during business hours only or requiring applicants to fill out a paper application reduces the number of candidates who may apply for the job. Set up a 24-hour hotline or online job application that allows applicants to apply when it’s convenient for them. Remember to list your opening on as many online sites as possible, too, since most of today’s applicants use the internet to find jobs.

 

    1. Actively recruit new employees every day. Instead of waiting until you have an opening and then hiring the first applicant who applies, recruit regularly. Your chances of finding a qualified employee increase with this strategy. You can take this step when you add a Join Us tab on your website.

 

  1. Use a hiring manager or firm. If you only occasionally hire employees, you may not be versed in current hiring practices. Delegate this responsibility to a hiring manager or hire a firm that works full-time in the field and understands the ins and outs of preparing applications, screening candidates and conducting interviews.

Your company can succeed thanks to hourly employees. Use these tips as you find and hire quality employees for your business.

Why Your Office Needs a Mediator

By Employment Resources

er-0316-1Conflict is inevitable wherever there are two or more people, and your office is not immune. Personalities may clash, employees might disagree about procedures or a customer may go to social media to bash a policy. In these and other cases, a mediator may resolve problems and prevent expensive lawsuits or irreconcilable relationship breaks.

What is Mediation?

When two parties experience a disagreement or dispute, they may be so focused on their side that they cannot listen to the other party or resolve the conflict amicably. A mediator is a neutral party that can assist both parties in discussing the issue and finding a solution that works. The entire process remains confidential and cannot be used against either party or in court if the dispute escalates. Mediation can take as long as a few hours or a few weeks depending on the conflict.

Why do you Need a Mediator?

Disagreements happen in any office environment between coworkers or clients. Those disagreements can quickly escalate and lead to costly lawsuits if they’re not handled properly and resolved quickly. Instead of paying expensive lawyer fees, consider hiring a mediator. With mediation, you have better control of the situation because you won’t have to allow an outside party to dictate how you resolve the problem.

How do you Hire a Mediator?

Depending on the size of your office and customer base, you may need to hire a mediator who will listen to both sides and help both parties negotiate a fair agreement. All parties will meet in a neutral location for one or multiple times until the issue is resolved.
You can hire a full-time mediator, an independent mediator or an agency. The choice depends on how large your organization is and on how many disputes you have in a given month.

To hire a mediator, check online directories or ask colleagues for recommendations. When you find a mediator you wish to interview, prepare a few questions. Ask potential mediators about their training, experience, availability and hourly charge. You’ll also want to find out if the mediators can be creative and flexible when finding solutions that work, if they are trustworthy and if they’re able to persist until the issue is resolved.

In some cases, a mediator cannot find a solution that works. However, your office should have access to a mediator who can work quickly and efficiently to resolve conflicts before they turn into lawsuits or broken relationships. Your bottom line, office morale and customer base will thank you.

Quit Smoking to Reduce Health Insurance Costs

By Life and Health

lh-0316-4National No Smoking Day occurs on March 14. If you still struggle with the habit, now’s a good time to kick it. Your health and bank account will thank you.

How Much Does Smoking Really Cost?

The average pack of cigarettes costs $6.36. Smoke a pack a day, and you spend $2321.40 a year on your habit.

Each pack of cigarettes also costs you $35 in health-related expenses. That cost includes treatment for the negative medical health effects of smoking and higher health insurance rates.

What Health Issues are Caused by Smoking?

Numerous illnesses and diseases are linked to smoking. They include:

*Cancer
*Heart disease
*Stroke
*Hypertension
*Emphysema
*COPD
*Osteoporosis
*Impotence
*Pregnancy complications

How Does Smoking Affect Health Insurance Premiums?

Treating the illnesses and diseases associated with smoking is expensive to health insurance companies. Because they are for-profit businesses, they pass those extra costs onto consumers, which means you pay more for your insurance.

On average, smokers pay up to 50 percent more than non-smokers for health insurance. As an example, if a non-smoker in your same demographic and health condition pays $500 for health insurance per month, you as a smoker could pay $750.

This is only an example since premium increases aren’t the same for every smoker. The length of time you’ve smoked, how much you smoke and even previous smoking habits can affect the rate increase you’ll see.

How can a Smoker Reduce Health Insurance Premiums?

Until you kick your smoking habit, check into several ways to reduce your premiums by even a few dollars a month.

  • Choose a smoker-friendly insurance company. More than 20 percent of the adult population smokes, and some companies will reduce premiums in order to attract those customers. Research several companies to find one that offers lower rates for smokers.
  • Bundle health and other insurance policies. When you buy multiple insurance policies from the same company, you could get a break on your premiums. Talk to your health, auto, home or life insurance agent for details on how bundling can save you money.
  • Enroll in a supervised smoking cessation program. This step shows that you’re serious about breaking the habit. Many health insurance companies will pay for the program, and your employer might offer financial assistance, too. While your premiums may not decrease until you’ve been smoke-free for two years, now’s a great time to get started.

Smoking is costly both in dollars and in your quality of life. Commit to quitting on March 14. For more tips, talk to your doctor and insurance agent. And mark March 14 on your calendar as the day you quit smoking for good.

How to Stay Safe When You Go Indoor Tanning

By Life and Health

lh-0316-3March is here, and it’s a popular month to visit tropical locations or start planning your next getaway. To get a jump on your tan, you may schedule a few indoor tanning sessions. However, your risks of getting cancer increase when you use indoor tanning salons. Stay safe when you consider several tanning safety tips.

Take Melanoma Seriously

The Memorial Sloan-Kettering Cancer Center in New York City found that 54 percent of college students who tan don’t see it as significantly risky. They argue that many things cause. No one’s immune to cancer, though, and indoor tanning actually increases your chances of getting melanoma by 90 percent if you’re under 35.

Melanoma is serious. Even a small amount that’s roughly three grains of salt deep can spread to your lymph nodes and other organs. If that happens, your risk of dying from melanoma increases to 85 percent. Think about your future before you hit the tanning bed.

Protect Your Skin

Squamous and basal cell carcinomas are two common non-melanoma cancers. They don’t spread as fast as melanoma, but they can create skin scars that last the rest of your life.

Indoor tanning also produces sun spots and wrinkles and can damage the retinas in your eyes. These effects of tanning do not disappear as you age but do continue to affect your appearance and health.

Resist Peer Pressure

Women especially have a huge need to focus on their appearance. Tanning can help you fit in with your peers and look attractive. Giving in to peer pressure can also kill you.

Use Exercise and Fashion to Change Your Appearance

Golden-brown skin hides cellulite bumps and can help you look thin. Toning exercises produce the same results, though, and don’t include a cancer risk.

You can also wear clothing that complements your figure, shape and skin tone. Talk to your hairdresser, too, about the right hair style and accessories for you.

Understand the Addictive Risks of Tanning Beds

Even after being diagnosed with skin cancer, researchers find that some dermatology patients continue to visit the tanning salon. Those individuals try but are unable to cut back on their visits and avoid family, friends and hobbies to visit the tanning salon. Be aware of the addiction risk of tanning before you get started.

Despite the risks, you may still choose to tan. If so, use a reputable salon. The staff will evaluate your skin tone and recommend the right amount of tan time for you. Read the waiver, too. It outlines tanning risks.

Tanning is dangerous. Proceed with caution as you prepare for your next tropical vacation. For more safety tips, talk to your doctor.