Navigating UAA December 3, 2012 Brenda Vannoy, Sr. Claims Adjuster What is our mission? Our mission is to assist the University in achieving.
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Transcript Navigating UAA December 3, 2012 Brenda Vannoy, Sr. Claims Adjuster What is our mission? Our mission is to assist the University in achieving.
Navigating UAA
December 3, 2012
Brenda Vannoy, Sr. Claims Adjuster
What is our mission?
Our mission is to assist the University in achieving its
primary goals of education, research, and service with
minimal disruption from adverse events.
Why We’re
Here…
So you can concentrate
on your mission!
What does “Risk Services”
include?
Emergency Management
Risk Management
Insurance
Claims
Environmental Health & Safety
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Risk Management
&
Insurance
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Risk Management “Red Flags”
Transportation of people
Involvement of minors
Hazardous materials
Hazardous activities
Indemnification clauses
Foreign travel (employees
and student)
Renting vehicles
For Risk Assessments
Contact...
Doug Markussen
Director, Environmental Health
and Safety/Risk
Management Support
Phone: 786-1386
Office: ULB 109B
Insurance Programs
The University of Alaska is self-insured for
many types of losses
University-funded
Claims handled by Risk Services
All University stakeholders benefit when losses are
reduced or eliminated
Claims
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Claim Handling
Risk Services licensed claims professionals
Insurance and self-insurance
Major lines include:
Workers’ compensation
General liability
Auto
Property
Employment practices
Marine and aviation
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What’s Covered?
University buildings
Other University Property
$1,000 deductible
At any location
No coverage for
employee personal
property
Some limitations and exclusions
Mysterious
disappearance excluded
Replacement cost only if
replaced
Employee personal
property not covered
Unless authorized by
supervisor in writing
before the loss
$1,000 deductible
University Vehicles
$2,500 deductible for damage
No damage coverage for vehicles over 7 years old
Proof of Auto Liability Insurance
Must be carried in the
vehicle at all times!
Proof of University self-
insurance available at the
Risk Services website
Download and print at
www.alaska.edu/risksafety
Rented vehicles during business
use…
Coverage if pre-approved by travel authorization or
purchase order
No coverage for personal use
$2,500 deductible for damage
No deductible for liability
What about the rental agency’s
insurance?
Extra charges for optional insurance not
reimbursed by the University except outside
the United States
If combining a business and personal trip,
consider whether you need coverage for
the personal portion of the trip
What about my own car?
No coverage for personal vehicles of
employees when used for work-related
activities
Employees must carry their own insurance
Compensation provided through mileage
reimbursement
Alaska Workers’ Compensation
“No-fault” coverage
Benefits are mandated
by state law
Employer pays the cost
Benefits to employees
for injuries or
occupational conditions
Benefits
Wage loss
Temporary total disability (unable to work)
Temporary partial disability (limited work)
Medical Care
Employee may choose the physician
Prescriptions, doctor’s visits, hospital, x-rays
Medical Benefits
Treatment required for a work injury is generally
covered at 100%
Subject to the fee schedule approved by the Alaska
Workers’ Compensation Board
Some limitations on multiple treatments (i.e., physical
therapy, chiropractic)
One change of physicians is allowed, with prior notice to
the employer required.
Medical providers should submit reports and bills to
Risk Services
Time Loss Benefits
No compensation payable for the first 3 days
Benefits calculated under state workers’ comp
laws
Check with HR about when Family Medical
Leave applies
Special payroll code for WC
Time off must be physician-authorized.
Workers’ Compensation FAQ
Report injuries to your campus Environmental
Health & Safety office
Contact Risk Services Claims about benefits
and payments
Temporary modified duty benefits everyone
Communication is key!
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Report Immediately
Any occurrence resulting in
loss of life or requiring
hospitalization
Any declared disaster within
the UA system at any
campus or facility
Any situation requiring the
implementation of
Emergency Operations Plans
or use of public response
agencies
Within 8 Hours
Property damage or loss
expected to result in a
claim over $10,000
Any environmental
release that is
reportable to a federal,
state or local regulatory
agency
Within 24 Hours
All injuries to third parties
(anyone who is not an
employee)
Employee injuries requiring
a doctor visit or time off
work
All motor vehicle accidents
involving UA and a third
party
Any other situation that may
give rise to a claim against
the University
Incident Report
No claim has been made
Injuries to non-employees
Damage to property of
others
Departmental record of
first aid employee injuries
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OSHA Reporting
To comply with State and
Federal occupational safety
and health requirements,
these categories of work
injuries must be reported to
OSHA within 8 hours:
Injuries requiring
hospitalization
Call UAA Environmental
Health & Safety
786-1386 or 786-1351
(or UPD Dispatch if after hours)
Injuries resulting in death
Risk Services Offices
Fairbanks
Claims from Fairbanks and
Northern Campuses, Kuskokwim,
and Bristol Bay
Anchorage
Claims from Anchorage and
Southcentral Campuses,
Southeastern Campuses
…with some geographic
exceptions
Contact Us
Risk Services
1815 Bragaw Street, Ste. 206
Anchorage, AK 99517
Phone (907) 786-1140
Fax (907) 786-1412
www.alaska.edu/risksafety
[email protected]
Your Turn
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