We are excited to announce that we have enhanced our customer portal so that you will now have the ability to upload medical documents as a means to get them to the claims adjuster that is handling your claim. This can be done by following these simple steps:
Often I have stated that the strengths of MTM are based on three pillars:
- A Board made up of members (Board is directly focused to member benefits/improvements),
- Professional long-term committed staff members,
- Members who support employee safety and save money through loss control efforts.
Last month I profiled one of our MTM members, Avalon & Tahoe Mfg. Inc. This month I have the honor of introducing two new MTM Board committee members.
Brady Schlesener – Director of Sales and Marketing, Gemini Group, Inc.
Brady is a graduate of Cedarville University with a BA. He then went
on to receive his MBA from Michigan State University. For the last 12 years, he has been an executive at Gemini Group, Inc.
Brady is a team player with great functional experiences – perfect fit for our MTM Board Marketing & Underwriting Committee.
Our second new Board committee member is Barry Kavanagh FCCA, CMA, VP of Finance at Avalon & Tahoe MFG, Inc.
Barry received his BA from Waterford Institute of Technology in his native Ireland. He is a Fellow of the Association of Chartered Certified Accountants (ACCA), the main accountancy body in the UK, Europe and Asia, and holds the Certified Management Accountant certification from the U.S. Institute of Management Accountants.
For five years, Barry has been the VP of Finance at Avalon & Tahoe MFG. Inc. Prior to that Barry was the Controller at another MTM member for over eleven years. With Barry’s financial skills and his 12
year history working with MTM, he is also a perfect fit for the MTM Board Finance committee.
Thanks to these new Board committee members, I am anxious to see how they contribute to the committee’s and MTM’s success. Brady will be working with Chairman Brad Lawton, Star Cutter Company. The Board Finance Committee is chaired by Teena Kowalski.
As we visit your shops, we are finding nearly every shop has a hiring sign in the window. This year we are seeing more accidents from low experienced individuals who may have gotten less training than desired. Our members focus on keeping employees safe. It is that important third leg of the MTM success stool. As always, we will keep our Loss Control Representatives busy visiting your shops, giving advice and doing anything that will help improve the safety of our member’s employees.
Until next time, be safe.
Thurs., Oct. 18 • 11 a.m. – 2 p.m.
The Inn at St. John’s
It is almost time for the MTMIC Annual Member Meeting and there is still time to RSVP if you haven’t already done so. Contact Patty Allen at patricia.allen@mtmic. com by October 10th so that you don’t miss out on our Crisis Recovery after Active Shooter and Traumatic Events presentation provided by Kenneth Wolf, PhD.
Payroll renewal forms have been sent out to all insureds that have an effective date in January 2019. We are asking for your estimated annual payroll for 2019 which assists in reducing the chance for additional audit money due at the end of your policy. Please complete
the form and return it to Glenda Moyle or an additional copy can be requested at glenda.moyle@mtmic.com/blog.
By Glenda Moyle, Premium Accounting Manager
Each year we evaluate officer coverage and rating rules. Currently, officers are included in your Workers’ Compensation calculation with a minimum payroll amount of $20,800 and a maximum of $45,000 each.
Effective 1/1/19 or later the minimum payroll amount for an officer is $26,000 and the maximum included will be $50,000.
These new amounts will automatically be applied to renewals effective 1/1/19 and after. If you have any questions, please contact me at glenda.moyle@mtmic.com/blog.
I have mentioned in previous newsletters that the best part of my job is delivering member dividend checks in March. I have also said the second-best part of my job is going to and touring MTM member’s facilities. One MTMIC member that makes a particularly interesting product is Avalon & Tahoe.
You probably have heard the name before, but if not, they build pontoon boats. Before my tour, my image of a pontoon boat was anything but sleek, plush, and cool. My tour was arranged by Avalon & Tahoe’s CFO, Barry Kavanagh. Mr. Kavanagh handed me over to their plant Operations Manager, JJ Dudick. This tour changed my vision completely. Before getting to that, let me tell you what their brochure says, and now with the tour knowledge in hand I can say these statements are very accurate.
By Chris Demeter, Senior Loss Control Consultant
It’s 10:00 a.m., you hear a knock on the door, you get up and see someone who looks very official standing there, you open the door and they introduce themselves. “Hi my name is Kristin, I’m with MIOSHA CET…” your heartbeat quickens, you are no longer listening to the woman at the door, you’re thinking, is the boss here? What am I going to do? Before you know it, she has passed you a business card and turned away, leaving you standing there. You take a second and realize she is not coming in, so you just pass it off as a near miss and put the card in your desk without a second thought. That might be a mistake not inviting her in for a non-enforcement hazard survey. You may already know this, but MTMIC has had an alliance with MIOSHA CET for many years and have assisted many policyholders with CET services with positive results. As you know we are a proactive insurance company and are always finding ways to reduce injuries and provide our policyholders with valuable resources to use.
By Ruth Kiefer, Loss Control Manager, ARM
Outside the cicadas are singing their song signifying the end of summer, and the kids are getting ready for school, but I can’t seem to enjoy this annual transition from the winding down of summer to fall because my mind can’t stop wondering why we are having so many traumatic injuries this year. My team and I have been called out to conduct way too many accident investigations regarding amputations. This traumatic event, in which a part of the body is violently removed from your employee has plagued us since the beginning of the year. So, I must ask myself, why the sudden increase in this type of traumatic injury?
At a recent MTM Board meeting, I was asked for a “wrap up” report from the spring dividend. It was the normal report with management members, but one set of numbers is worth sharing with our members. The question was how does the MTM dividend compare with similar and competing mutual insurance companies with special focus on mutual companies. Here was what was reported to the Board:
MTM returned 83.4% of its 2017 profit as member dividends. We reviewed 3 well-known companies to provide the following comparison. Company A, a nonmutual returned 7.6% of its profit as member dividends. Mutual competitor number one returned 18.9% while mutual company number two returned 5.3%. The MTM member owner dividend is in a completely different ballpark compared to commercial carriers, and even other mutual companies. These numbers prompted a whole different conversation of why MTM is so different.
By Donna Motley, Vice President of Claims
Employees are often eligible for multiple benefits with their employer. Workers’ Compensation coverage is mandatory in the State of Michigan. Optional benefits may be Short Term Disability (STD), Long Term Disability (LTD), Sick Time, Personal Time Off (PTO), Family Medical Leave (FMLA).
Of these programs, FMLA is “unpaid” with time limited to 12 weeks away from work, but the employee’s job is “protected” – meaning a position is to be available to the employee at the end of 12 weeks at the same rate of pay and same benefits.
STD and LTD generally pay a percentage of the employee’s wages. Of the STD cases I have seen (and handled), the employee has been paid approximately 65% of their wages. STD is generally limited to a set number of weeks, and LTD may or may not have a time limit (but again, recipients are paid at a lesser rate of pay).
Sick Time and PTO may or may not pay for days missed and generally have a time limit of eligible days that can be taken.
We are proud to announce a new Association member program effective August 1, 2018. This partnership, MFG Works Partners, is a collaboration between the Michigan Manufacturers Association (MMA) and MTMIC will offer our policyholders who are members of MMA an additional 3% discount on your workers’ compensation insurance premium. This discount will be automatically applied at your next policy renewal.
For 115 years, the MMA has been serving Michigan manufacturers and related industries by providing effective representation at Michigan’s Capitol, timely educational seminars; quality and competitive-rate insurance programs, informational e-newsletters and a monthly magazine. Visit www.mimfg.org for more information on the benefits of joining the MMA or contact Brett Gerrish, at 800-253-9039 ext. 533 or 517-487-8533.
Both MMA and MTMIC are excited about this new partnership and its potential for keeping your business competitive. Watch for more information on the MFG Works Partners program in our monthly newsletters and additional publications. For more information on the MFG Works Partners program contact Megan Brown: megan.brown@mtmic.com/blog or (248) 715-0012.
This Year’s Annual Meeting Speakers:
Kenneth L. Wolf, Ph.D. and Marilyn Knight, M.S.W.
We are pleased to announce that this year’s annual meeting speakers are Dr. Kenneth L. Wolf, Ph. D & Marilyn Knight, M.S.W. Our speakers are experts in their field and will be speaking on the topic of “Crisis Recovery After Active Shooter and Traumatic Events”.
By Donna Motley, Vice President of Claims
The Michigan Workers’ Compensation Act & Administrative Rules originated in 1912. The Act was revised with Amendments in 1969. Then in 2011, at 100 years old, the Act was updated with Statute changes to accommodate the past amendments and hopefully, better address, with clarity, issues facing our ever changing world. One of the updated issues was to define “disability”. No longer is the injured worker considered disabled because they cannot return to the job that caused their injury. Disability as defined by the Workers’ Compensation Act is: “A limitation of an employee’s wage earning capacity in work suitable to his or her qualifications and training. . . . . . The establishment of disability does not create a presumption of wage loss.”
By Travis Halsted, Loss Control Consultant
First and foremost, I hope everyone is having a spectacular summer! Whether you are spending time on the water, relaxing and reading a book on your front porch or traveling, I hope that you are all able to enjoy this beautiful Michigan weather. I am not quite sure how it worked out this way, but I find myself scheduling a great deal of my Loss Control visits on the west side of the state this time of year. It must be some kind of coincidence.
With these elevated temperatures, the need to use the air movement fans also rises. The air movement fans have a plethora of different hazards that can cause injuries. Within the first week of July, MTMIC had two injuries directly related to fans. Some of the most common hazards that are found with fans include, but are not limited to:
Last year I wrote you about the best part of my job – “delivering member dividend checks”. I can report that the ranking has not changed. From the pictures in this newsletter and last month, you can see the fun I (and staff) have with this MTM “job”. What I rarely talk about is the second best part of my job. So here it is – touring your shops. While you live in your shop and it’s old hat to you, our members design, build, melt stuff, mold, inject, stamp, drill, weld, print, bind, deliver,…. amazing products. Sometimes the product is a simple part of a big part and sometimes it is an intricate part that makes this accounting, actuarial type guy wonder – how do they do that? I was at one shop that was making overpass steel beams. The beam in process was just over 100 feet in length. I asked the plant manager what the tolerance was?
For the poor handy skills I have – the answer would be if I could get anything 100 feet long within 3 inches, I would go out for a celebration dinner. The answer in our members’ world was .005. Our members are amazing.
Also in each of my plant tours I asked if I could operate some of our member’s equipment. Can I do that? I think I can weld, drill, stamp. Can I try that? Our members clearly sensed my lack of skills and the answer – NO. I am 0 for at least 200. Not one of you has let me turn a dial, control a robot, use a forklift, tool, print press or other fun looking machines. This could be an underground conspiracy. I have checked my safety glasses and hard hat. Thought they might have something printed on them such as “extremely clumsy” or warning “NO eye/hand co-ordination”. I have found no such warnings. Ah, maybe I should check the back of my MTM jacket. Lack of success or skills does not sway my determination – I will keep you informed of my challenge.
Till next time, spring looks to be finally here. Let’s enjoy it.
By Cindy Boyce, Senior Claims Adjuster
I have worked for MTMIC for 26 years in growing capacities, and currently am the Senior Claims Adjuster. In this role I handle the majority of the litigation in the office, especially the complex ligation issues. I have had the pleasure of working with a great deal of you throughout the years, however since we have seen growth in the number of our insured’s some of you may not know me. If you don’t know me, that’s a good thing as most likely your company has not involved in a complex claim or related issue. I am licensed in the State of Michigan as an Insurance Claims Adjuster and have a degree in business and as a medical assistant, along with extensive training and experience in all aspects of workers’ compensation claims including, causal relationships of injuries, medical issues, medical treatments, and remedies related to typical and complex cases. In addition to being knowledgeable, you will also find me easy to work with and comfortable that you will always be in good hands!
The MTMIC Annual Meeting is scheduled for Thursday, October 18th.
We will be meeting at the same location, The Inn at St. John’s and providing lunch along with a brief meeting and exciting speakers.
Please mark your calendars and be on the lookout for more details to follow.
As President of MTM, my principle duties are to work with members, help MTM staff and work with the MTM Board of Directors and its Committees. However, there are some other duties that I must budget time for. One of those duties is to monitor insurance regulations and legislative matters. To accomplish this, I spend one or two days a month in Lansing meeting with the insurance association, insurance department and legislators. While nearly all of this designated legislative time deals with workers’ compensation issues, a recent item surfaced that departed from my normal focus. As a Board member and member of the regulatory oversight committee of the Insurance Institute of Michigan, I was made aware of nearly 20 bills that had been submitted for consideration dealing with the Larry Nassar case. As I listened to some of the testimony, I and everyone in the hearing were disgusted with this physician’s actions and the systems that should have caught his criminal activities over many years they occurred.
Most of these bills deal specifically with Larry Nassar and the systems surrounding him, however some bills are not so restricted and will bring other groups/1employers into the mix. Some of the bills being considered dramatically increase the reporting period for sexual misconduct incidents from two or three years to 30 years. Some of the bills change the burden of proof so that a mere allegation can be sufficient to warrant legal action, defense, and ultimately settlements. As defense attorneys look at how they would manage these cases, trying to pull witnesses together and accuracy of testimony (which could be many years or decades old) is daunting.
While MTM usually does not get involved in non-workers’ compensation issues, this case and the possible impact on our over 900 shop owners and managers warranted some involvement. Most recently, more moderate amendments have been considered that open up slightly the reporting period, except for alleged victims under 16. These bills seem to be progressing through the legislative process.
While it is too early yet to tell what exactly will come out of the legislature process, there is no doubt that changes to the existing law will happen.
While our focus continues to be on workers’ compensation and how to maintain and improve cost-effective coverage for our MTM members, occasionally we have to lend our weight to other issues. Protection of our members justifies it. As we learn more, I will bring you up to date on this topic. In the meantime, the MTM staff will continue to focus on providing our members with the most cost-effective and focused services for their workers’ compensation exposure.
By Chris Demeter, Senior Loss Control Consultant
Every year, workers are unnecessarily exposed to hazardous energy sources such as mechanical, hydraulic, pneumatic, chemical, thermal, gravity, or other energies utilized by machines in manufacturing. This occurs during servicing, maintenance, or setting up on equipment. Accidental start-up of machinery or unintended release of stored energy often presents catastrophic risks including but not limited to crush, amputation, shock, and burn injuries as well as equipment damage. This exposure can cause serious physical injuries or death to workers unaware that someone else has started a machine or energized a circuit. MIOSHA requires employers to establish a Lockout-Tagout program and use procedures for affixing appropriate lockout devices or tag out devices to energy isolating devices, and to otherwise disable machines or equipment to prevent unexpected re-energizing, start up or release of stored energy in order to prevent injury to employees.