Uncategorized

Rates Go Down – Required Harassment Training Delayed – Consultant Looks to Future

Posted by Tom Bone wrote in Uncategorized.

Workers’ Comp Rates Decreasing This last week, California Insurance Commissioner Ricardo Lara advised the Workers’ Compensation Insurance Rating Bureau to reduce the recommended rates an average of 9% effective January 1, 2020. The lower rates result from a continuing trend of decreasing workplace injuries costs which began in 2015. Employers in other states are enjoying […]

Hacker Got Into Our Website

Posted by Tom Bone wrote in Uncategorized.

We have just discovered that our website has been compromised and inappropriate posts have been sent out to you and others. We apologize for this and we are taking measures to prevent this from happening again. Stay tune for meaningful content. Tom Bone

Several corporations desire mindless drones.

Posted by Tom Bone wrote in Uncategorized.

Abortion must be used only if there isn’t any other alternative, but, handling it as another sort of contraceptive method isn’t justified in any way. Abortions can result in significant amounts of dangerous impacts on the woman who has undergone the precise same. It’s consistently been controversy motivated, with lots of moral consequences at the […]

The Beauty of Imperfection

Posted by Tom Bone wrote in Uncategorized.

As a fan of Jill Konrath’s ideas about developing business relationship and growing a business, I could not let this story go by without sharing it with you. Overview: Jill sells us about her sister in-law’s influence upon how one may view life Asking for what you want and expecting people to deliver and fully […]

Bookseller’s Business, Rare Book Collection, Personal Belongings and Home All Gone

Posted by Tom Bone wrote in Uncategorized.

A friend, who is also a former classmate, and his wife lost everything in the recent Redwood Complex Fire that engulfed Redwood Valley, California. Their town is in Mendocino County. It is hard to imagine the feelings Tim and Kate Roemer are experiencing from this tragic event. So often people want to help, but either […]

BBSI Facing Delisting – According to The Workers’ Comp Executive

Posted by Tom Bone wrote in CFO , HR , Uncategorized.

For those of you who use BBSI Services (Barrett Business Services, Inc.) or are considering their use, here is some about this company. This link will connect you to the Workers’ Comp Executive published May 18, 2016 http://www.wcexec.com/BBSI-Facing-Delisting.aspx

Why Investigating Employment Complaints is Critical to You & Your Organization?

Posted by Tom Bone wrote in Uncategorized.

Knowing how to conduct a prompt, thorough and objective investigation will help employers avoid additional legal and financial issues and ultimately save them a great deal of time. An employer’s response to employee complaints can either help keep an employer out of a lawsuit or potentially cause one. The Sacramento Employer Advisory Council (SEAC) has […]

Employers, the Time has arrived for you to Post Your OSHA Log

Posted by Tom Bone wrote in Uncategorized.

On February 1st of each year many employers are required to post information about their work place injuries and illnesses that took place in the prior year. The process is fairly straight forward and there are many resources available to help you complete this annual task. First, you may want to determine if you even […]

Why Can’t California Be Like Louisiana When It Comes To The Results Of Work Safety?

Posted by Tom Bone wrote in Uncategorized.

Some very interesting observations from Bob Wilson of WorksCompensation.com about how the costs in our Golden State differ from those in the State of Louisiana. Despite what the data tells us, California employers must also wonder what their advisers are doing to help them get the best results in this very difficult State of ours. […]

Why Networking?

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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. […]

Are you aware that soon the Affordable Care Act is going to affect employers of all sizes?

Posted by Tom Bone wrote in Uncategorized.

To help you gain a better understanding and an idea of some of your responsibilities, you are invited to view the recent ISU Webinar presented by our San Francisco Office. Here is the link for your use when you would like the access http://vimeo.com/68340223 Please call me for further assistance and clarification of how this […]

People we associate with

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

7 Common Investing Mistakes by Steve Raymond, Certified Financial Planner

Posted by Tom Bone wrote in Uncategorized.

7 Common Investing Mistakes.docx Download this file I hope you gain from this information provided by Steve Raymond who has knowledge and experience to share with you. You may reach him as follows: Steve Raymond, CFP®, MBA, Associate Planner, Navion Financial Advisors (916) 635-2220, email steven.raymond@nfadvisors.com

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Controlling Workers’ Comp Cost – A Free Webinar You May Want to View

Posted by Tom Bone wrote in Uncategorized.

Many employers either do not seem to have the time to learn on their own what is driving their workers’ comp costs. I also find that employers, unknowingly, typically have a unmotivated insurance broker who is benefiting from large commissions from the employer’s higher premiums caused by claims and doing little or nothing to help […]

Workers’ Comp Reform Deal At Hand ?

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Ambassadors Helping Sacramento Area Employers

Posted by Tom Bone wrote in Uncategorized.

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 […]

Making Sense of Leave Laws: One Day for Jury Duty, Five Years for Military Duty, and Everything in Between

Posted by Tom Bone wrote in Uncategorized.

SEAC Please join us for our next breakfast meeting on Wednesday, July 11, 2012 at 8:30 a.m. Our topic will be: Making sense of Leave Laws: One Day for Jury Duty, Five Years for Military Duty, and Everything in Between California and federal laws mandate numerous […]

FLASH: PEO In Default On Self-Insured Obligations

Posted by Tom Bone wrote in Uncategorized.

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 […]

An Important Informative Free – Employee Wellness Webinar You Should Attend

Posted by Tom Bone wrote in Uncategorized.

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 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 […]

Wage & Hour Issues Continue to Plague Even the Savviest Employers

Posted by Tom Bone wrote in Uncategorized.

Navigating through a multitude of often conflicting legal requirements is very tricky and can lead to unanticpated financial liabilities for any organization. Learn how to avoid the obstacles and take the best path when it comes to Wage & Hour questions and related issues. Join a local panel of specialists, who will discuss the latest […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Here is an example of a local nonprofit success to be celebrated! This is no April Fool’s Joke!

Posted by Tom Bone wrote in Uncategorized.

If a visitor from another planet landed on Earth today and listened, watched and read what was presented in our media, they would conclude that our society has an obsession with negativity — they may even pass on our planet and look for another to visit. The acknowledgment of success in our society continues to […]

Have you protected your family from the use of your outside adult toys?

Posted by Tom Bone wrote in Uncategorized.

Do you have a boat? Do you own a jet ski? Have you ever been tempted to rent a jet ski on vacation? Or what about renting a boat? If you injury someone or if you damage the boat or Jet Ski, who pays the bills? When was the last time you called your independent […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Protecting the Golden Goose is Important for Families

Posted by Tom Bone wrote in Uncategorized.

Protecting_the_Golden_Goose.wmv Watch on Posterous

Wedding Season is about here so should Insurance for Nuptials be considered?

Posted by Tom Bone wrote in Uncategorized.

I just came across an article about a way to protect the investment newlyweds may want to consider. As this article, by Emily Glazer of the Wall Street Journal, it shares that the costs of weddings many times is in five figures and sometimes weather, death, injury or illness can be a costly obstacle […]

Sacramento Employment Trends Chat with Kim Silvers of Silvers HR March 12, 2012

Posted by Tom Bone wrote in Uncategorized.

Join Kim Silvers and me by listening to our chat about what she has found about the current employment trends here in the Sacramento Valley. Kim will also share what questions employers wish to answer about what new hires are looking for pay/benefit programs, plus what should employers consider about those loyal employees who have […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Independent Contractor Relationships – Preview to Sacramento Employer Advisory Council Seminar

Posted by Tom Bone wrote in Uncategorized.

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 […]

Fraud — Independent Contractors — what do this all have to do with each other?

Posted by Tom Bone wrote in Uncategorized.

Tune into “Insurance Matters” this Tuesday, you will learn more! On this show we will open up the “Fraud File” again to learn who is “reaching” into our pockets to take money that does not belong to them. It seems that the “genius’” continue to perform unbelievable tasks, like damaging body parts, to get money. […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Have you posted your OSHA 300A log yet?

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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. […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

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

Posted by Tom Bone wrote in Uncategorized.

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, […]

How does a risk check list help employers avoid many potentially damaging events?

Posted by Tom Bone wrote in Uncategorized.

In this interview with Charles Wilson, Risk Manager with Risk Smart Solutions, he outlines many of the important topics and events that all employers should focus upon to avoid potental trouble. By listening to this audio recording you will gain great incite into the areas that are critical to the success of an organization, and […]

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

Posted by Tom Bone wrote in Uncategorized.

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 […]

Is employee training an investment or just another expense?

Posted by Tom Bone wrote in Uncategorized.

I find many employers hire those who they feel are “qualified and experienced” employees to fill positions. Then little time is spend, if any, and limited resources to orient and train these new arrivals in the practices the employers expect to be performed. Results seem to be that many employees do not meet the […]

Well Doctors do it! Airplane Pilots do it! Automotive Technicians do it! Shouldn’t employers do it too?

Posted by Tom Bone wrote in Uncategorized.

I am talking about a check list to make sure preplanning will occur to avoid potential risks and threats that can be faced if one is not thorough and complete. I continuously find that employers lack, but need the attention of their advisors, or if they wish to take this journey by themselves, at least […]

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

Posted by Tom Bone wrote in Uncategorized.

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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