Transcript ANNUAL MEMBER SERVICE REPORT September 2006

ANNUAL MEMBER
SERVICE REPORT
September 2006
Prepared For
SOMERSET
COUNTY
By CCAP Insurance Programs
Please click your left
mouse button to advance
to the next slide.
NAVIGATING THROUGH THIS REPORT
• To advance to the next slide, click your
left mouse button or the right arrow
button on your keyboard.
• The left arrow key will take you back to
the previous slide.
• If you see a name underlined and in dark
blue (John Sallade) this means you can
click on this name to send that person an
email (if your computer is connected to
the Internet).
• If you see a word underlined and in dark
blue (CCAP) this means you can click on
this word and you will be connected to
the web site which has more information
about that subject (if you are connected
to the Internet).
2
A COMPREHENSIVE REVIEW
• This new report is designed
to provide you with a review
of your county’s:
–
–
–
–
Exposures
Insurance Costs
Claims Experience
Loss Control Activities
• Information is grouped by the
insurance programs you
participate in.
3
PROGRAM MEMBERS
•
Every county in Pennsylvania participates in at least one of CCAP’s
nine insurance programs:
BEST Flex
COMCARE PRO
PACAH Bonds
24 Members
5 Members
26 Members
PComp
PCoRP
PELICAN
Tax Collector Bonds
51 Members
44 Members
32 Members
46 Members
UC Trust
Volunteer Insurance
43 Members
42 Members
4
YOUR CCAP INSURANCE PROGRAMS
• Your County Participates In 5 Of
The 9 CCAP Sponsored Insurance
Programs:
– PComp
– PCoRP
– Tax Collectors Bonds
– UC Trust
– Volunteer Insurance
5
EXECUTIVE SUMMARY
• Your county is an active
participant in several CCAP
insurance programs.
• Some general observations:
– You have had strong attendance
at our Defensive Driving, Keys,
Loss Control, and Prison
workshops and County
Administration Conferences.
– Timely reporting of claims.
6
EXECUTIVE SUMMARY
• The following Loss Control or
Risk Management
recommendations have been
made by CCAP staff and
remain to be addressed:
– Obtain Motor Vehicle Reports
(MVR) on all County drivers.
7
EXECUTIVE SUMMARY
• Remember, we have these
services available to help with
your county operations:
– Loss Control Incentive Program
Self Help Disk (PCoRP and
PComp)
– Training
– On Site Visits
– Claims Reviews
– Safety Resources from CCAP
(information, advice and lending
library)
8
YOUR INSURANCE PROGRAMS
• Here is a brief review of each
CCAP Insurance Program your
county belongs to.
• Check out the CCAP web site
for more information on each
program (some have Members
Only Sections too!):
www.pacounties.org
9
PComp
• PComp is the Pennsylvania
Counties Worker’s Compensation
Trust, a self insurance group fund
which provides workers’
compensation insurance for
counties and county related
entities. PComp is regulated by the
PA Department of Labor and
Industry.
• The CCAP staff contact for PComp
is Betty Welkie, Property/Casualty
Manager, 800-895-9039 or email:
[email protected]
10
PComp
• Our contacts with your county for PComp
are:
– Loss Control Coordinator:
Bradley Zearfoss
– Claims Coordinator:
Faye Ray
• Your local insurance producer for this
insurance is James Knepper of Knepper
Insurance Group.
• Your exposure is your estimated annual
payroll which for 2006 is $9,398,606
• You reported 350 employees for coverage.
• Your top three work comp class codes (by
payroll) are:
– 953 (Clerical)
– 985 (Police)
– 951 (Salesmen)
11
PComp
• For 2006 your experience
modification is 0.854 (keep in mind
1.00 is average).
• You received a loss control credit of
4.10% (out of a possible 5%) which
reduced your premium by $8,806.
• Your annual premium for PComp
coverage is $205,983.
• You had 18 claims in the past year
(2005) totaling $12,522 (incurred).
12
PComp
• For more detailed PComp
claims information, consult
your loss runs, or you can view
your claims in real time on
STARS Web.
• Contact Kay Brinkley at CCAP
for more information on STARS
Web: 800-895-9039, or email:
[email protected]
13
PCoRP
• PCoRP is the Pennsylvania
Counties Risk Pool, an insurance
pool providing auto, property,
general liability, law enforcement
liability, public officials liability,
crime, and equipment breakdown
coverage to counties and county
related entities.
• The CCAP staff contact for PCoRP
is Betty Welkie, Property/Casualty
Manager, 800-895-9039 or email:
[email protected]
14
PCoRP
• Our contacts with your county
for PCoRP are:
– Loss Control Coordinator:
Bradley Zearfoss
– Claims Coordinator:
Sonya Augustine
• Your local insurance producer
for this insurance is James
Knepper of Knepper Insurance
Group.
15
PCoRP
• Your exposures for PCoRP
are:
– Building/Property Values:
$78,789,056
– Vehicles: 206
– Payroll: $10,769,695
– Sheriff and Corrections
Officers: 70
16
PCoRP
• Here are your costs for PCoRP coverage for 06/07:
Insurance Costs
$163,008
Loss Fund Contribution
$185,595
Reserve Fund Charge
$64,413
Law Enforcement
Surcharge
$0
Less Loss Control Credits
$3,341
Total Costs
$409,675
17
PCoRP
• Your PCoRP claims experience
for the last complete policy
year (05/06) was:
– Number of claims: 33
– Total incurred cost: $98,131
18
PCoRP
• For more detailed PCoRP claims
information, consult your loss
runs, or you can view your
claims in real time on STARS
Web.
• Contact Kay Brinkley at CCAP
for more information on STARS
Web: 800-895-9039, or email:
[email protected]
19
TAX COLLECTOR BONDS
• The Tax Collector Bond program
provides surety bond coverage for
tax collectors as required by state
law. Counties can obtain a group rate
for all the tax collectors in the county,
and CCAP will provide individual
billing information for each
municipality and school district.
• The CCAP staff contact for Tax
Collector Bonds is Betty Welkie,
Property/Casualty Manager,
800-895-9039 or email:
[email protected]
20
TAX COLLECTOR BONDS
• Your local insurance producer
for this insurance is James
Knepper of Knepper Insurance
Group. They are our contact for
this program.
• Your exposure is your total
number of tax collectors which
is 50, and the total value of their
bonds which is $52,966,668.
21
TAX COLLECTOR BONDS
• Your premium for Tax
Collector Bond coverage is
$26,584 (this is for 4 years).
• You had 0 claims in the last
complete policy year (2005).
22
UC TRUST
• The CCAP UC Trust is a self
insurance program providing
unemployment compensation
insurance for counties and countyrelated entities. Members also
receive an Employee Assistance
Program (EAP).
• The CCAP staff contact for the UC
Trust is John Sallade, Managing
Director of Insurance Programs,
800-895-9039, or email:
[email protected]
23
UC TRUST
• Our contact with your county for the
UC Trust is Faye Ray.
• This coverage is provided directly
to your county so there is no local
insurance producer.
• Your exposure is your taxable
payroll, which for 2006 is estimated
to be $3,223,826 and provides
coverage for 399 employees
(elected officials are not covered).
• Your contribution rate is based on
your claims history, and for 2006 is
1.68% (the maximum rate is 3.50%).
24
UC TRUST
• In 2005 the UC Trust estimates
it will pay up to $69,807 in
claims for your county.
• You had 17 claims filed by
former employees.
• For more claims detail see
your quarterly claims report
from TALX.
25
VOLUNTEERS INSURANCE
• The Special Risk Accident
Insurance for Volunteers Program
provides insurance coverage for
accidental death, dismemberment
and medical expenses for county
volunteers. This includes general
community volunteers (meals on
wheels, social services, nursing
home, and conservation district),
and court alternative sentencing
and work release individuals.
• The CCAP staff contact for
Volunteers Insurance is Betty
Welkie, Property/Casualty Manager,
800-895-9039 or email:
[email protected]
26
VOLUNTEERS INSURANCE
• Our contact with your county for the
Volunteer Insurance Program is
Carolyn Zambanini.
• Your local insurance producer for
this insurance is James Knepper of
Knepper Insurance Group.
• Your exposure is your total number
of covered individuals is 387.
27
VOLUNTEERS INSURANCE
• For 2006 your premium for
Volunteers Insurance is
$1,278.
• For the most recent policy
year (2005) your county
reported 0 claims.
28
OTHER CCAP INSURANCE PROGRAMS
• Your County does not participate in
these programs:
–
–
–
–
BEST Flex
COMCARE PRO
PACAH Bonds
PELICAN
• More information on these
programs is available on the next
slides or on the CCAP web site:
www.pacounties.org or by clicking
on the name of the program in the
list above.
29
BEST Flex
• BEST Flex is a menu of employee
benefit insurances, including:
–
–
–
–
–
–
Health Insurance
Dental Insurance
Vision Insurance
Life Insurance and AD&D
Long Term Care Insurance
Cafeteria Benefits Program Set Up and
Administration
– Voluntary Benefits (options for your
employees)
• Program Contact: Julia Jackson,
Employee Benefits Manager,
800-895-9039,
[email protected]
30
COMCARE PRO
• COMCARE PRO is a CCAP created
insurance company which provides
stop loss insurance for inpatient
Mental Health and Drug & Alcohol
services provided under
HealthChoices. This coverage is
required for many counties in
HealthChoices, and recommended
for all who participate.
• The CCAP staff contact for
COMCARE PRO is Steve
McDermott, Captive Programs
Director, 800-895-9039 or email:
[email protected]
31
PACAH BONDS
• The PACAH Bond program provides
nursing homes with coverage for
patient trust funds as required by
federal law. It is sponsored by the
Pennsylvania Association of County
Affiliated Homes (PACAH).
• The CCAP staff contact for PACAH
Bonds is Steve McDermott, Captive
Programs Director, 800-895-9039 or
email: [email protected]
32
PELICAN
• PELICAN is an insurance company
established by CCAP and PACAH to
provide general liability and
professional liability insurance
(medical malpractice) to county
owned, county affiliated, and nonprofit nursing homes.
• The CCAP staff contact for
PELICAN is Steve McDermott,
Captive Programs Director,
800-895-9039 or email:
[email protected]
33
THANK YOU!
• We appreciate your participation in
CCAP’s insurance programs.
• We trust you appreciate the “value
added services” we provide (it’s not
just insurance!)
• We hope this new Annual Member
Service Report has been helpful and
we welcome your feedback. Click
here to send us your comments:
AMSR Comments
34