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Risk Services & Claims. 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….

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risk services claims

Risk Services & Claims

Navigating UAA

December 3, 2012

Brenda Vannoy, Sr. Claims Adjuster

what is our mission
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.

slide3

Why We’re Here…

So you can concentrate

on your mission!

what does risk services include
What does “Risk Services” include?
  • Emergency Management
  • Risk Management
  • Insurance
  • Claims
  • Environmental Health & Safety
risk management red flags
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
For Risk Assessments Contact...

Doug Markussen

Director, Environmental Health and Safety/Risk Management Support

Phone: 786-1386

Office: ULB 109B

insurance programs
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
claim handling
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
what s covered
What’s Covered?

University buildings

other university property
Other University Property
  • $1,000 deductible
  • At any location
  • No coverage for employee personal property
some limitations and exclusions
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
University Vehicles
  • $2,500 deductible for damage
  • No damage coverage for vehicles over 7 years old
proof of auto liability insurance
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
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
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
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
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
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
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 RiskServices
time loss benefits
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
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!
report immediately
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
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
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
Incident Report
  • No claim has been made
  • Injuries to non-employees
  • Damage to property of others
  • Departmental record of first aid employee injuries
osha reporting
OSHA Reporting

Call UAA Environmental Health & Safety

786-1386 or 786-1351

(or UPD Dispatch if after hours)

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
  • Injuries resulting in death
risk services offices
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
Contact Us

Risk Services

1815 Bragaw Street, Ste. 206

Anchorage, AK 99517

Phone(907) 786-1140

Fax (907) 786-1412

www.alaska.edu/risksafety

ua-insurance@alaska.edu