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Why Networking?

Here’s  a reminder how networking can be helpful in our professional and personal life. Even though by nature we are social “animals”, sometimes we forget the value of friendships long term.  One never knows, while traveling through the journey of life, who you could call for help, guidance or an introduction to make what you […]

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Prevention of Employment Practices Liabilities Can Begin With An HR Audit

The recent article by Brit Weimer, Partner at Jones Satre & Weimer PLLC, provides some good advice and what you should do to make sure your HR practices are current. Here is the link to Brit’s writing for your use: http://www.linkedin.com/groups/EPL-prevention-case-HR-RM-100542.S.268457206?view=&gid=100542&type=member&item=268457206&commentID=-1&trk=view_disc Should you wish an introduction to a qualified HR Professional, contact me and I am […]

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Why a homeowner should know about complying with workers’ compensation laws?

California Homeowners should be aware of the workers’ compensation guidelines to avoid fines, penalties and legal entanglements. Workers’ compensation laws protect people who are injured on the job. It is designed to make sure that employees who are injured or disabled on the job are provided with fixed monetary awards, removing the need for litigation. […]

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People we associate with

I would like to share with you some text from a recent email news letter by Steve Kloyda. The message is important and may serve as a personal checkup for you. Subject: Is Your Garden Full Of Weeds? Hi Tom, One of my all time favorite inspirational speakers is Jim Rohn. I had the privilege […]

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The changing insurance market place & how it can affect how employers manage costs

Workers’ comp insurance, like other employee benefits programs, continue to be a major expense to most employers. Decision makers are always looking for ways to better manage their cost, but sometimes the containment can be out of their influence. For many years, employers enjoyed lower workers’ comp rates as a result of reforms signed by […]

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How Do You Feel About Taking Risks, Making Change & Possibly Experiencing Disappointment or The Feeling of Failure?

I received this quote from consultant Steve Kloyda, and it reminded me of some of the experiences that I have had when advising employers on ways to manage the risks and threats they face. Many show reluctance to embrace changes in the way they conduct some portion of their operations that historically has improved outcomes […]

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Employer questions about the Affordable Healthcare Act – a source worth your consideration

A recent headline in the Sacramento Business Journal Morning Roundup is worth their mention and employers attention. The Small Business Administration, SBA, website has a great deal of information and may help those employers who wish to conduct their own research about how their business may be affected by this new law. Go to www.sba.gov/healthcare […]

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You Will Want to Know the Best Answers to This Question – “YOUR SUPERVISOR DID WHAT?”

The Answer To This One Question Can Either Make Or Break An Employer’s Case! ·   Employment lawsuits represent almost 50% of all lawsuits filed, and almost all employment lawsuits result from a supervisor’s conduct.  Not because the supervisor intended to do something wrong, but because the supervisor was not properly trained. ·   Employers have the […]

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Employers if you have yet to prepare for increased costs, get ready, because here it comes!

The cost of claims in work related injuries and illnesses continues to skyrocket in California.    The latest data indicates about a $1 Billion increase from 2010 to 2011 in the expenses to the insurance industry to handle workers’ comp claims.  Of course these costs will be passed on to employers, because workers’ comp, unlike […]

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Workers’ Comp Reform Deal At Hand ?

There are some seeming last minute pre-election "movements" in the California legislature to provide workers’ compensation reforms. As Dale Debber alerted all of us many weeks ago, not all stakeholders were invited to participate in the creation of these proposed changes. This approach questions the motives of those selected participants and whose agenda is being […]

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“Does taking public money make my project a ‘public work’?”

In the current economic climate, many businesses have turned to government contracts and grants to continue their operations.  However, by accepting these funds and contracts, many employers unwittingly turn their projects into "public works" that may require the business to comply with prevailing wage requirements.  The Sacramento Employers Advisory Council is pleased to offer a […]

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Ambassadors Helping Sacramento Area Employers

I am pleased to be a member of the Sacramento Metro Chamber’s Ambassadors program. We help the 2,000 plus members utilize the benefits of their membership to help them grow their organizations. The Ambassadors also align the desires of the members by enhancing communication, ensuring members’ needs, questions and concerns are heard and addressed by […]

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FLASH: PEO In Default On Self-Insured Obligations

From: Workers’ Comp Executive Newsdesk [mailto:newsdesk@wcexec.com] Sent: Wednesday, June 20, 2012 8:15 AM Subject: FLASH: PEO In Default On Self-Insured Obligations Did your email system mangle this newsletter? Click here to see it online. >> Don’t miss out on exclusive newsin our print edition. Subscribe Now! Wednesday, June 20, 2012 FLASH REPORT! Says Self-Insured Employee […]

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An Important Informative Free – Employee Wellness Webinar You Should Attend

 ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ HR.com sponsors a free Employee Wellness webinar Topic: "Employee Wellness for small and medium size businesses" presented by Cathy Rasmusson, MHA, Principal Consultant with Healthy Business Designs Date:  June 20, 2012 at 10:00 a.m. – 11:00 a.m. PST 1:00 – 2:00 PM ET This One Hour Webcast on HR. qualifies for an Institute for […]

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Federal Court Holds That Carpal Tunnel Syndrome May Constitute A Disability Under The ADA

Employers, here is a scary situation and hopefully not a new trend. In a recent court case that emanated from a workers’ compensation claim, a federal court indicated that carpal tunnel syndrome may fall under the Americans With Disability Act, commonly known as ADA. This case occurred in Kansas and involved an employee who was […]

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Employers – Get Ready for the Changing Workers’ Comp Market Place

According to Conning Research & Consulting, insurance companies nationwide are raising rates in most workers’ compensation insurance classifications.  The insurance company underwriters are also taking a more conservative view when considering new customers and when making renewal proposal offers to their current customers. The rising medical costs & lower returns on investments have caused the […]

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Brinker Decision is out – Please take notice of this from Downey Brand’s Employment Law Update

April 2012  Employment Law Update Brinker Decision…at Last The California Supreme Court held that an employer need only provide a meal period, but is not obligated to police meal breaks to ensure no work is performed. The Court’s opinion was over 50 pages, for more detail and information regarding rest break frequency and timing and class […]

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Employers, you can fight workers’ compensation insurance fraud — and here is how

Most employers are unaware that their insurance company has a Special Investigation Unit to confirm and investigate questionable claims.  These units help employers and the insurance company to confirm that the reported injuries, or illnesses, are work related and not from events that occur during off work hours. Learn how employers can benefit from knowing […]

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“Insurance Matters” radio show about protecting the golden goose March 20, 2012

Here is the audio recording of Peter Arnold’s interview with me about protecting the breadwinner — Why is problem? What programs are available to help families?  What employers to do to help their employees? Peter can be reached by calling 916-300-3380 or email ptarnold59@yahoo.com. Tune in to “Insurance Matters” Tuesdays, 8 a.m. Pacific Time, on […]

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Employer’s Survey About Workers’ Comp Show Their Concern For Costs in 2012

In a recent survey of employers about workers’ compensation insurance, 59 percent of the employers expressed their concern about controlling costs.  They also shared their concern about exposures increasing, rates going up and fraud. This survey consisted of over 3,500 employers nationwide in a variety of industries. Majority of employers experienced payroll increases in 2011 […]

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What Are The Current Sacramento Employment Trends – What Are Employers Willing to Pay Employees?

The Sacramento Bee’s Saturday front page lead article “Job trends point to growth,”** about employment is a perfect introduction to Kim Silvers’ chat about her “on the street” knowledge/experience of Sacramento employment trends.  Kim works directly with employers, and she is a knowledgeable local Human Resource Consultant with Silvers HR LLC here in the Sacramento […]

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Independent Contractor Relationships – Preview to Sacramento Employer Advisory Council Seminar

Listen to this chat with Krista Dunzweiler, Attorney with Locke Lord Law Practice in Sacramento, about some of the issues that will be presented in the March 14, 2012 seminar about the laws affecting Independent Contractor Relationships. To attend this seminar, go to the SEAC website for more information: www.saceac.com or phone 916-484-4747.   Insurance_Matters_03-06-12_Krista_Dunzweiler.mp3 […]

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Employers – are you taking advantage of the tax credits in the Sacramento Area?

Yes, “EZ Money” for your business right here in Sacramento!  Also, there are 41 other designated areas for employers to enjoy this “EZ Money.” How would you like to take advantage of these opportunities? ·         Hiring credits ·         Sales & use tax credits ·         Accelerated expense deductions ·         Research & development tax credits Many employers […]

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Have you posted your OSHA 300A log yet?

Here is information about employer requirements to post your OSHA 300A form.  This posting requirement runs from February 1st the April 30th of each year.  Go to this address for some important information: http://blog.msdsonline.com/2011/01/early-warning-osha-form-300a-posting-date-approaching-%E2%80%93-starts-february-1/ Here a list of those firms which may be exempt: http://www.osha.gov/recordkeeping/ppt1/RK1exempttable.html Should you find that your current insurance agent or insurance […]

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Repeal of Individual Mandate in Health Care Reforms Will Affect Employer’s Workers’ Comp Costs

Joe Paduda, is a well-known and respected strategist in the workers’ compensation and medical insurance community. He has some interesting comments why the new Federal Health Care Reforms can help to moderate future increases in Workers’ Compensation Insurance costs. Joe continuously writes about current trends and breaks down data that all of us can understand.  […]

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“The Fraud File” – What others are doing to cost all of us more money?

Organizations, employers, professionals and others continue to “game” the system by taking money and benefits they are not entitled to receive.  These unlawful activities harm those who are entitled to workers’ comp other insurance benefits and causes each of us to pay more money than we should. Valuable resources are also wasted, because of the […]

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What are the 2012 insurance cost trends facing employers & how do employers take advantage of them?

There are early indications that insurance costs are increasing. If this is true, how much can employers expect to pay for their: ·         Employee health insurance plans ·         Workers’ comp insurance ·         Liability, Auto & other insurance programs What strategies should insurance agents offer employers to help keep costs low? Most importantly, prior to 2012, […]

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Training is an investment in valuable assets – listen to the interview

Mike Dourgarian, of TechSkills in Sacramento California, was my guest today on “Insurance Matters.” We chatted about the importance of staff training so that productivity would increase and employers can more consistently reach their financial goals and objectives. Mike provides some amazing training statistics as to what rates of return employers are enjoying. This is an eye opening interview and worth […]

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What role does “positive thinking” play in the success of an individual and the organization they lead?

There are books and articles written about the way positive thinking plays in one’s life…..so what does this all mean to each of us?  How can positive thinking be created? What are some of the practical approaches we all can use to create a positive frame of mind? How practical is this thought process to […]

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4 Ways to Grow Your Business Webinar Offered by CPA Corporation

Every business is looking for ways to increase revenue and profitability.  In the recent “The Business Advisor” CPA Corporation’s Newsletter, a webinar is being offered that may interest all owners and managers whose responsibility is revenue growth.  This may be an interesting session for you to “attend” from a convenient and comfortable location, in front […]

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How $1 in health insurance gets spent

This is an interesting example of what Blue Shield of California, a health insurance provider, is doing with each dollar they receive from their customers. This insurance provider is on track to comply with the financial standards required by the health reform law’s new regulations. This was published by Blue Shield of California and republishes […]

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New Employment Laws For California Employers – Guest Vita Thomas, Employment Attorney Guest on “Insurance Matters”

Insurance_Matters_1-3-12_Vita_Thomas.mp3 Listen on Posterous Vita Thomas was my recent guest on “Insurance Matters” and is a prominent Sacramento California attorney specializing in employment. From Vita’s extensive knowledge and experience, she shares an overview on this podcast about what employers can expect from the new employment laws in 2012.   Vita can be contacted via email, […]

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Employers can get more for less + “T-bone’s Fraud File” – Learn more on Monday!

Again in 2012, there is a “gift” waiting for employers and their employees that everyone needs to know about. From this “gift,” employers can expect the following results: •        Improved employee moral •        More employee productivity •        Improve Employee loyalty •        No direct costs to employers Employees can expect more respect from their employers and […]

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Helping The Homeless Podcast of 12-20-2011

Insurance_Matters_12-20-11_Sac_Steps_Forward.mp3 Listen on Posterous I am pleased to share this podcast of my guest interview with Ben Burton, Executive Director, Sacramento Steps Forward.  This Sacramento non profit agency helps homeless members of our community find appropriate housing and help to direct them to other services that may help improve their quality of life. Ben’s live […]

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DUI Affects All of Us – What Can You do to Stop This Social Issue?

Insurance_Matters_12-27-11_CHP_Adrian_Quintero.mp3 Listen on Posterous Over 200,000 DUI arrests occur each year in California. Thousands of individuals die or are seriously injured each year from DUI accidents. This issue is not only a financial drain on California State finances, but a tradegy to the family and friends of those affected. You are welcome to listen to the recent […]

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Contact

Tom Bone
Risk Insurance Advisor
ISU Insurance Services
2266 Lava Ridge Court
Roseville, California 95661
Phone 916.960.8758 or 800.823.4852 ext. 8758
Fax 916.773.4484
Mobile 925.285.6790
Email tbone@risksnthreatsmatter.com
License #0306692

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