MTM Manufacturing Technology Mutual Insurance Company … · 2017-03-09 · MTM Manufacturing...
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MTM Manufacturing Technology Mutual Insurance Company P.O. Box 9150 Farmington Hills, MI 48333 Phone 248.488.1172 www.mtmic.com Monthly Newsletter for February 2017 In This Issue: R From the desk of John Karlen CPCU, APA, ARe R What’s An Employee To Do? R When MIOSHA Compliance Comes To Visit R Marketing Minutes From the desk of John Karlen, CPCU, APA, ARe O ne of the key benefits of being an MTM member is the owner dividend. Management is working hard at putting the 2016 financial numbers together. MTM is a state insurance regulated business. All of our numbers are required to be analyzed by an outside actuary and then submitted to the State of Michigan Insurance Department. As part of the state review, an outside actuary must look at each loss year and determine the adequacy of monies set aside to pay the losses for that year. A similar detailed review of company investments is done and included in the 2016 financials. These steps slow the process from a normal, generally accepted accounting principles process. Once this process is completed about February 1st, a management dividend recommendation goes to the MTM Finance Committee. The MTM Finance Committee meets the first week of February and includes: Jack Accardo, Chairman, Haller International Technologies Jerry Decker, Precision Boring Company Gerd Walter, Creative Automation Gary Sievert, Wellington Industries Teena Kowolski, Loc Performance Products 1 The Finance Committee will review, debate, and amend management’s recommendation before sending their input to the full MTMIC Board. The MTMIC Board meets on February 16th, and will look at management’s recommendation and amendments made by the Finance Committee. The full Board is made up of: Kurt Heuser, Chairman, Bokum Tool Company Joe Keppler, Vice Chairman, HTI Cybernetics Jack Accardo, Haller International Technologies Bobby Cox, Acorn Stamping Company Jerry Decker, Precision Boring Company Bradley Lawton, Star Cutter Company John Moll, Gemini Group Doug Mack, retired shop owner Richard Smith, Wolverine Bronze Company Karen Schluckebier, Rogers Group The full Board will make the final decisions regarding the MTM member dividend. Interestingly, please note that all voting members are active MTM insureds, with one exception. Our members’ best interest is achieved because members are making the decision. We will anxiously wait to give you updated information after the February Board meeting and then delivering checks in March. At this time I like to thank these Board and Committee Members for their input and hard work. Management and staff are very capable insurance technicians, however, having the Board and Committee direction keeps us on track and focused. I will update you further on this important topic. Q Participant in the Michigan Property & Casualty Guaranty Association
Transcript of MTM Manufacturing Technology Mutual Insurance Company … · 2017-03-09 · MTM Manufacturing...
MTM Manufacturing TechnologyMutual Insurance Company
P.O. Box 9150Farmington Hills, MI
48333Phone 248.488.1172
www.mtmic.com
Monthly Newsletter for February 2017
In This Issue:
RFrom the desk of
John KarlenCPCU, APA, ARe
R
What’s An Employee
To Do?
R
When MIOSHA Compliance
Comes To Visit
R
MarketingMinutes
From the desk of
John Karlen, CPCU, APA, ARe
One of the key benefits of being an MTM member is the owner dividend. Management is working hard at putting
the 2016 financial numbers together. MTM is a state insurance regulated business. All of our numbers are required to be analyzed by an outside actuary and then submitted to the State of Michigan Insurance Department. As part of the state review, an outside actuary must look at each loss year and determine the adequacy of monies set aside to pay the losses for that year. A similar detailed review of company investments is done and included in the 2016 financials. These steps slow the process from a normal, generally accepted accounting principles process.
Once this process is completed about February 1st, a management dividend recommendation goes to the MTM Finance Committee. The MTM Finance Committee meets the first week of February and includes:
Jack Accardo, Chairman, Haller International Technologies Jerry Decker, Precision Boring Company Gerd Walter, Creative Automation Gary Sievert, Wellington Industries Teena Kowolski, Loc Performance Products
1
The Finance Committee will review, debate, and amend management’s recommendation before sending their input to the full MTMIC Board. The MTMIC Board meets on February 16th, and will look at management’s recommendation and amendments made by the Finance Committee. The full Board is made up of:
Kurt Heuser, Chairman, Bokum Tool Company Joe Keppler, Vice Chairman, HTI Cybernetics Jack Accardo, Haller International Technologies Bobby Cox, Acorn Stamping Company Jerry Decker, Precision Boring Company Bradley Lawton, Star Cutter Company John Moll, Gemini Group Doug Mack, retired shop owner Richard Smith, Wolverine Bronze Company Karen Schluckebier, Rogers Group
The full Board will make the final decisions regarding the MTM member dividend. Interestingly, please note that all voting members are active MTM insureds, with one exception. Our
members’ best interest is achieved because members are making the decision. We will anxiously wait to give you updated information after the February Board meeting and then delivering checks in March.
At this time I like to thank these Board and Committee Members for their input and hard work. Management and staff are very capable insurance technicians, however, having the Board and Committee direction keeps us on track and focused.
I will update you further on this important topic. Q
FEEL FREE TO CONTACT ANY OF
US IF WE CAN BE OF SERVICE TO YOU:
John Karlen [email protected]
Ext. 1017
Megan Brown [email protected]
Ext. 1006
Glenda Moyle [email protected]
Ext. 1315
Chris Doebler [email protected]
Ext. 1012
Patty Allen [email protected]
Ext. 1010
Gary Wood [email protected]
Donna Motley [email protected]
Ext. 1011
Cindy Boyce [email protected]
Ext. 1009
Kimberly Davis [email protected]
Ext. 1004
Debbie Sagan [email protected]
Ext. 1007
Marci Merath [email protected]
Ext. 1005
Ruth Kiefer [email protected]
Chris Demeter [email protected]
Travis Halsted [email protected]
4
Participant in the Michigan Property & Casualty Guaranty Association
Megan Brown, Vice President of Sales & Marketing (left)
Patty Allen, Sales & Marketing Assistant (right)
Marketing Minutes
• In need of Client Portal access for billing, claims, and safety info? Please contact Marketing for a user id and password @ [email protected].
• In need of more Claim Packets? Please contact Marketing to have them sent out: [email protected].
• In need of additional sets of labor law posters? Contact Patty Allen in Marketing with your request: [email protected].
• Is need of adding additional recipients to receive the monthly Newsletter? Contact Marketing to have them added: [email protected].
• Stay tuned in the upcoming months for information about our Annual Luncheon held in October. Q
The Inn at St. Johns, the site of our Annual Meeting which is held
in October.
P.O. Box 9150, Farmington HIlls, Michigan 48333 Phone 248.488.1172
2
www.mtmic.com
3
A s you know one of the nerve-racking issues of keeping up with the MIOSHA safety standards is when a compliance officer comes to visit and
puts your safety efforts to the test. Their visits can be spurred by an employee complaint, your industry code being on their strategic plan, or a visit that results from a severe injury. A recent visit in December of 2016, to a manufacturing plant in Ypsilanti, resulted in $265,600 in fines. The MIOSHA inspector found eight serious, six repeat serious, and three other-than-serious safety violations that were noted during the visit. The safety standards that were
in violation were the same things that were on our April’s edition of MIOSHA’s top 10 safety violations. The list of standards found in violation included:
•GeneralProvisions–Part1
•AbrasiveWheels–Part1A
•FloorandWallOpenings–Part2
•FireExits–Part6
•Cutting&Welding–Part12
•RefusePackerUnits–Part17
•PoweredIndustrialTrucks–Part21
•MetalworkingMachinery–Part26
•Safety–RelatedWorkPractices–Part40
•LOTO–Part85
•HazardCommunication–Part92
The manufacturing industries that are currently on MIOSHA’s strategic plan with a goal of reducing worker injuries in high-hazard industries by 15% include, wood products manufacturing (321), primary metal mfg. (331), fabricated metal product mfg. (332), machinery mfg. (333), transportation equipment mfg. (336), support activities for transportation (488),andwarehousingandstorage(493).
As many of you know, our loss control team is highly trained and well versed regarding the MIOSHA standards. One of our loss control services includes performing a safety walkthrough of your facility to help to identify the most frequently sited and serious violations along with recommendations on how to abate the violation. With the new increases in MIOSHA fines that began January1,2017,Iwouldhighlysuggestthatyoutakeadvantage of this safety survey service that is provided by MTMIC to all policyholders. If you would like to coordinate a safety survey for your facility, please contact your loss control consultant, so that he or she may assist you in complying with the MIOSHA safety standards. Q
Ruth Kiefer, Loss Control Manager,
MSc, ARM
When MIOSHA Compliance
Comes to Visit
Does your employee know what to do if they sustain a work related injury? Whether your employee is a new hire or has worked at your facility for many
years, the procedure is the same. All employees should be briefed upon hire of the steps to be taken shouldaworkinjuryoccur.Employeesshould be reminded periodically, no less than annually, of proper procedures or any changes in said procedures, should an injury occur. All employees, not just the injured person, play a part in work safety. All employees should be diligent in keeping the work environment clean; clean up or report oil spills, report unsafe practices, report faulty equipment and safety hazards. A co-worker may be a witness to an injury.
If injured at work, an employee should know to whom they should report the incident. A Supervisor, Leader, Plant Manager, Safety Committee Member or Human Resources Department? The injured worker should be aware that per the Michigan Workers’ Compensation Act, Workers’ Compensation exclusively controls medical treat for the first28days.So,thefirstpointoftreatmentshouldbe at the direction of the employer to the occupational clinic they utilize. Obviously, in terms of more serious injuries, the employer should direct the injured worker to
the hospital of choice. Should the injured employee seek medical treatment on their own, without the approval of the employer or Workers’ Compensation insurance carrier, said charges will not be covered and the treatment plan will not be followed.
If an employee treats for a work related injury or condition with their personal physician or doctor of choice prior to submitting a claim with their employer, we, as the Workers’ Compensation insurance carrier, will have to obtain a signed Release from the employee and request all medical records from the treating physician/facility, before the alleged injury can be addressed by our department. This, obviously results in a delay of treatment.
When an injured worker is treated at an approved facility, they should provide the facility with MTMIC’s
contact information as the Workers’ Compensation carrier. Invoices for services rendered should then be sent direct to our department. For an accepted Workers’ Compensation injury, the injured worker should not incur any expenses. Mileage and prescription receipts can be submitted for reimbursement. The provider cannot “balance bill” the injured worker or employer. If an injured worker is treated as an emergency and the hospital insists on health insurance information, we can always have those charges reversed. When the health insurance carrier sees the charges, they will most likely deny payment anyway. If an employee is billed for services, the bill or statement should be forwarded to our department for processing –beforeitgetstocollection.
The injured worker is to supply the employer with a disability slip from the treating physician following all appointments. If restrictions are imposed, the employee should inquire whether or not the employer can provide work within those restrictions. If restricted work is provided, the injured worker has the responsibility to only
Donna Motley Vice President of Claims
What’s An Employee to Do?
work within those restrictions!
The injured worker has a responsibility to attend all medical appointments, give maximum effort while at physical therapy, take medication as directed, following imposed restrictions both inside and outside of work, perform home exercises and keep their employer informed of their progress!
Employeeshavearesponsibilitytofollowsafetyguidelinesand not take shortcuts; employees should not be resistant tochangeora“newway”ofperformingafunction–even if they have been doing it differently for many years withoutincident.Employeesshouldfeelcomfortableto make suggestions to their employer about changing thewayafunctionisperformed.Employeesshouldfeelcomfortable that they can report a work incident without judgment or repercussion. However, it is the employer’s discretion whether or not an injured worker is sent for medicaltreatment–itisnottheinjuredworkers’decisionwhether or not they “want” to go.
Prompt reporting of work related injuries results in prompt and proper medical care and treatment; and hopefully, a speedy, successful recovery for the employee! Q
P.O. Box 9150, Farmington HIlls, Michigan 48333 Phone 248.488.1172
2
www.mtmic.com
3
A s you know one of the nerve-racking issues of keeping up with the MIOSHA safety standards is when a compliance officer comes to visit and
puts your safety efforts to the test. Their visits can be spurred by an employee complaint, your industry code being on their strategic plan, or a visit that results from a severe injury. A recent visit in December of 2016, to a manufacturing plant in Ypsilanti, resulted in $265,600 in fines. The MIOSHA inspector found eight serious, six repeat serious, and three other-than-serious safety violations that were noted during the visit. The safety standards that were
in violation were the same things that were on our April’s edition of MIOSHA’s top 10 safety violations. The list of standards found in violation included:
•GeneralProvisions–Part1
•AbrasiveWheels–Part1A
•FloorandWallOpenings–Part2
•FireExits–Part6
•Cutting&Welding–Part12
•RefusePackerUnits–Part17
•PoweredIndustrialTrucks–Part21
•MetalworkingMachinery–Part26
•Safety–RelatedWorkPractices–Part40
•LOTO–Part85
•HazardCommunication–Part92
The manufacturing industries that are currently on MIOSHA’s strategic plan with a goal of reducing worker injuries in high-hazard industries by 15% include, wood products manufacturing (321), primary metal mfg. (331), fabricated metal product mfg. (332), machinery mfg. (333), transportation equipment mfg. (336), support activities for transportation (488),andwarehousingandstorage(493).
As many of you know, our loss control team is highly trained and well versed regarding the MIOSHA standards. One of our loss control services includes performing a safety walkthrough of your facility to help to identify the most frequently sited and serious violations along with recommendations on how to abate the violation. With the new increases in MIOSHA fines that began January1,2017,Iwouldhighlysuggestthatyoutakeadvantage of this safety survey service that is provided by MTMIC to all policyholders. If you would like to coordinate a safety survey for your facility, please contact your loss control consultant, so that he or she may assist you in complying with the MIOSHA safety standards. Q
Ruth Kiefer, Loss Control Manager,
MSc, ARM
When MIOSHA Compliance
Comes to Visit
Does your employee know what to do if they sustain a work related injury? Whether your employee is a new hire or has worked at your facility for many
years, the procedure is the same. All employees should be briefed upon hire of the steps to be taken shouldaworkinjuryoccur.Employeesshould be reminded periodically, no less than annually, of proper procedures or any changes in said procedures, should an injury occur. All employees, not just the injured person, play a part in work safety. All employees should be diligent in keeping the work environment clean; clean up or report oil spills, report unsafe practices, report faulty equipment and safety hazards. A co-worker may be a witness to an injury.
If injured at work, an employee should know to whom they should report the incident. A Supervisor, Leader, Plant Manager, Safety Committee Member or Human Resources Department? The injured worker should be aware that per the Michigan Workers’ Compensation Act, Workers’ Compensation exclusively controls medical treat for the first28days.So,thefirstpointoftreatmentshouldbe at the direction of the employer to the occupational clinic they utilize. Obviously, in terms of more serious injuries, the employer should direct the injured worker to
the hospital of choice. Should the injured employee seek medical treatment on their own, without the approval of the employer or Workers’ Compensation insurance carrier, said charges will not be covered and the treatment plan will not be followed.
If an employee treats for a work related injury or condition with their personal physician or doctor of choice prior to submitting a claim with their employer, we, as the Workers’ Compensation insurance carrier, will have to obtain a signed Release from the employee and request all medical records from the treating physician/facility, before the alleged injury can be addressed by our department. This, obviously results in a delay of treatment.
When an injured worker is treated at an approved facility, they should provide the facility with MTMIC’s
contact information as the Workers’ Compensation carrier. Invoices for services rendered should then be sent direct to our department. For an accepted Workers’ Compensation injury, the injured worker should not incur any expenses. Mileage and prescription receipts can be submitted for reimbursement. The provider cannot “balance bill” the injured worker or employer. If an injured worker is treated as an emergency and the hospital insists on health insurance information, we can always have those charges reversed. When the health insurance carrier sees the charges, they will most likely deny payment anyway. If an employee is billed for services, the bill or statement should be forwarded to our department for processing –beforeitgetstocollection.
The injured worker is to supply the employer with a disability slip from the treating physician following all appointments. If restrictions are imposed, the employee should inquire whether or not the employer can provide work within those restrictions. If restricted work is provided, the injured worker has the responsibility to only
Donna Motley Vice President of Claims
What’s An Employee to Do?
work within those restrictions!
The injured worker has a responsibility to attend all medical appointments, give maximum effort while at physical therapy, take medication as directed, following imposed restrictions both inside and outside of work, perform home exercises and keep their employer informed of their progress!
Employeeshavearesponsibilitytofollowsafetyguidelinesand not take shortcuts; employees should not be resistant tochangeora“newway”ofperformingafunction–even if they have been doing it differently for many years withoutincident.Employeesshouldfeelcomfortableto make suggestions to their employer about changing thewayafunctionisperformed.Employeesshouldfeelcomfortable that they can report a work incident without judgment or repercussion. However, it is the employer’s discretion whether or not an injured worker is sent for medicaltreatment–itisnottheinjuredworkers’decisionwhether or not they “want” to go.
Prompt reporting of work related injuries results in prompt and proper medical care and treatment; and hopefully, a speedy, successful recovery for the employee! Q
MTM Manufacturing TechnologyMutual Insurance Company
P.O. Box 9150Farmington Hills, MI
48333Phone 248.488.1172
www.mtmic.com
Monthly Newsletter for February 2017
In This Issue:
RFrom the desk of
John KarlenCPCU, APA, ARe
R
What’s An Employee
To Do?
R
When MIOSHA Compliance
Comes To Visit
R
MarketingMinutes
From the desk of
John Karlen, CPCU, APA, ARe
One of the key benefits of being an MTM member is the owner dividend. Management is working hard at putting
the 2016 financial numbers together. MTM is a state insurance regulated business. All of our numbers are required to be analyzed by an outside actuary and then submitted to the State of Michigan Insurance Department. As part of the state review, an outside actuary must look at each loss year and determine the adequacy of monies set aside to pay the losses for that year. A similar detailed review of company investments is done and included in the 2016 financials. These steps slow the process from a normal, generally accepted accounting principles process.
Once this process is completed about February 1st, a management dividend recommendation goes to the MTM Finance Committee. The MTM Finance Committee meets the first week of February and includes:
Jack Accardo, Chairman, Haller International Technologies Jerry Decker, Precision Boring Company Gerd Walter, Creative Automation Gary Sievert, Wellington Industries Teena Kowolski, Loc Performance Products
1
The Finance Committee will review, debate, and amend management’s recommendation before sending their input to the full MTMIC Board. The MTMIC Board meets on February 16th, and will look at management’s recommendation and amendments made by the Finance Committee. The full Board is made up of:
Kurt Heuser, Chairman, Bokum Tool Company Joe Keppler, Vice Chairman, HTI Cybernetics Jack Accardo, Haller International Technologies Bobby Cox, Acorn Stamping Company Jerry Decker, Precision Boring Company Bradley Lawton, Star Cutter Company John Moll, Gemini Group Doug Mack, retired shop owner Richard Smith, Wolverine Bronze Company Karen Schluckebier, Rogers Group
The full Board will make the final decisions regarding the MTM member dividend. Interestingly, please note that all voting members are active MTM insureds, with one exception. Our
members’ best interest is achieved because members are making the decision. We will anxiously wait to give you updated information after the February Board meeting and then delivering checks in March.
At this time I like to thank these Board and Committee Members for their input and hard work. Management and staff are very capable insurance technicians, however, having the Board and Committee direction keeps us on track and focused.
I will update you further on this important topic. Q
FEEL FREE TO CONTACT ANY OF
US IF WE CAN BE OF SERVICE TO YOU:
John Karlen [email protected]
Ext. 1017
Megan Brown [email protected]
Ext. 1006
Glenda Moyle [email protected]
Ext. 1315
Chris Doebler [email protected]
Ext. 1012
Patty Allen [email protected]
Ext. 1010
Gary Wood [email protected]
Donna Motley [email protected]
Ext. 1011
Cindy Boyce [email protected]
Ext. 1009
Kimberly Davis [email protected]
Ext. 1004
Debbie Sagan [email protected]
Ext. 1007
Marci Merath [email protected]
Ext. 1005
Ruth Kiefer [email protected]
Chris Demeter [email protected]
Travis Halsted [email protected]
4
Participant in the Michigan Property & Casualty Guaranty Association
Megan Brown, Vice President of Sales & Marketing (left)
Patty Allen, Sales & Marketing Assistant (right)
Marketing Minutes
• In need of Client Portal access for billing, claims, and safety info? Please contact Marketing for a user id and password @ [email protected].
• In need of more Claim Packets? Please contact Marketing to have them sent out: [email protected].
• In need of additional sets of labor law posters? Contact Patty Allen in Marketing with your request: [email protected].
• Is need of adding additional recipients to receive the monthly Newsletter? Contact Marketing to have them added: [email protected].
• Stay tuned in the upcoming months for information about our Annual Luncheon held in October. Q
The Inn at St. Johns, the site of our Annual Meeting which is held
in October.
