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Colorado
Pinnacol Assurance

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Kentucky
Stewart named Executive Vice President & Chief Financial Officer
Jon E. Stewart has been named Executive Vice President & Chief Financial Officer for Kentucky Employers’ Mutual Insurance (KEMI). Jon came to KEMI as a certified public accountant and experienced business owner in 1997. Since that time he has held a variety of management level positions and has been an active participant in numerous committees and organizations in the workers’ compensation insurance industry. Jon currently serves on AASCIF’s Finance and Investment Committee.

Garland promoted to Director of IT Services
Randy Garland has been promoted to Director of IT Services for Kentucky Employers’ Mutual Insurance (KEMI). Randy has been an employee of KEMI for 10 years and has an extensive background in systems management. Randy currently serves on AASCIF’s Information Technology Committee.

KEMI Selected as One of the Best Places to Work in Kentucky
The Kentucky Society for Human Resource Management (SHRM) State Council, in conjunction with the Kentucky Chamber of Commerce, announced KEMI as a winner in the second annual "Best Places to Work in Kentucky" competition sponsored by Anthem Blue Cross and Blue Shield. The program is a multi-year initiative to motivate companies in the Commonwealth to focus, measure and move their workplace environments toward excellence.

KEMI fraud efforts featured in Industry Focus
The February 2006 issue of Industry Focus included a feature article written by Meg Fletcher, senior editor for Business Insurance. The article details the coordinated efforts of Kentucky Employers’ Mutual Insurance, the U.S. Postal Inspection Service, and the U.S. Attorney for the Eastern District of Kentucky to bring justice to individuals involved in an elaborate scheme to defraud KEMI and AIG of over $6M in workers’ compensation insurance premiums. To read the article,
click here.

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Manitoba
An amended Workers Compensation Act came into force in Manitoba January 1, 2006, containing some significant changes for workers, employers and the Board.

Employers became responsible for paying injured workers for the full day of the injury. The legislation removed the cap on assessable earnings.

Other benefit enhancements include the removal of the reduction of benefits from 90% to 80% of net regular take home pay after 24 months, enhancement of permanent impairment awards and the ability to top up wage loss benefits to 100% of net through income from other sources such as employer top up, Canada Pension Plan or private insurance.

The legislation expanded the list of presumptive illnesses for firefighters to include primary site colorectal and ureter cancers, lung cancer for non smokers and heart attacks within 24 hours of attendance at an emergency response. Primary site brain cancer, bladder or kidney cancer, non Hodgkin’s lymphoma or leukemia presumptions were added to the Act in 2002. The latest amendments extend the presumptions to include volunteer and part time firefighters.

The new Act defines a prevention role for the WCB, modernized the governance framework and introduced independent reviews of WCB programs.

Public consultations have taken place concerning expansion of coverage. Currently, about 70% of the Manitoba workplace requires mandatory WCB coverage. Another round of public consultations will gather input concerning obligation to reemploy.

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Maryland
IWIF recently introduced a new target market program specially designed for members of the Maryland Arborist Association. The program offers qualified members loss control services specific to the arborist and landscaping industries as well as a premium discount and scheduled credits for those members who maintain a successful safety culture. To date, IWIF manages 12 target market programs.

Once again, IWIF employees unleashed their generous spirits during the 2005 Maryland Charity Campaign, donating $39,785.50 to numerous charities throughout the state. The company matched employee donations dollar for dollar to bring the total amount to $79,571, about $3,500 more then the previous year.

IWIF’s Fraud Director Jerry Landsman was recently appointed to the Insurance Fraud Council for the American Society of Industrial Security (ASIS), an international group dedicated to advancing security issues in the U.S. and around the globe.

Also considered an expert in his field, Joe Gillian, IWIF Loss Control Director, was recently appointed chairman of the Chesapeake Region Safety Council, a chapter of the National Safety Council. Joe will assume his role as chairman in June 2006.

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Montana
MSF recently launched a new Young Workers Safety campaign. The creative element spoofs the Apple iPod utilizing the messages of iSlip, iCrash, iBurn and iCut. The multi-media promotion, which targets 16 – 24 year olds, includes a website (
www.safetyrocks.us), as well as ads that appear in statewide movie theaters, college/high school newspapers, and on billboards. To drive traffic to the website, the ads direct the public to go to there for information and by answering a few simple questions, have a chance to win an IPod. A Young Workers safety kit is also available for employers.

The end of March also marked a partnership between MSF and the CorVel Corporation. CorVel will now be responsible for reviewing medical bills and reimbursing providers on behalf of MSF. The new system will allow for greater consistency in the bill processing, while allowing for medical providers to be paid in a more timely and consistent manner.

The MSF Human Resources team hosted an in-house career fair to give employees information on job growth opportunities within the organization. One career program that has been instituted is the Claims Examiner trainee program. The intent of the project is to train and retain current staff in the field of claims management. To date eight employees have entered the program and three have graduated on to become claims’ examiners. To attract employees from outside the organization, the HR team created a new recruitment video and informational kit. The 10-minute video intertwines beautiful Montana scenics with staff interviews talking about why a potential employee would like to be a part of the MSF team.

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New York
David P. Wehner
NYSIF Board Names David P. Wehner as Executive Director - New York State Insurance Fund Chairman Terence L. Morris and the Board of Commissioners today announced they have named Workers' Compensation Board Chairman David P. Wehner as Executive Director of the State Insurance Fund (NYSIF), effective January 3, 2006. Mr. Wehner's appointment was made official at yesterday's NYSIF Board meeting in New York City.

"Chairman Wehner's broad experience in workers' compensation, as well as labor and business issues, makes him an excellent choice to manage the operations of the State Insurance Fund," Chairman Morris said. Mr. Wehner fills the vacancy left by the departure of Ken Ross as Executive Director earlier this year. Since that time, Christopher Barclay, Secretary to the Board of Commissioners, and Douglas Hayden, General Attorney, have been sharing director duties.

"I also want to commend Acting Co-Directors Chris Barclay and Doug Hayden for the steady job they did while the search was underway for a new Executive Director," Chairman Morris stated. Mr. Wehner, nominated by Governor George E. Pataki, was sworn in as Chairman of the Workers' Compensation Board on March 9, 2004. Under his leadership, the WCB continued to expand its mission and accomplishments in serving its customers, New York's injured workers and their employers. "I am honored to have been chosen by the Board to be Executive Director of the State Insurance Fund," Chairman Wehner said. "I have thoroughly enjoyed my time as Chairman of the Workers' Compensation Board, and look forward to using my knowledge to continue the State Insurance Fund's success. I thank Governor Pataki for his support and confidence in me." NYSIF is a non-profit agency of the State of New York that was created as part of the Workers' Compensation Law of 1914. By law, NYSIF is a competitive insurance carrier that sells workers' compensation and disability benefits insurance to any employer doing business in New York State. Approximately 186,000 employers hold NYSIF workers' compensation insurance policies, constituting about 37 percent of the market. During his tenure at the Workers' Compensation Board, Mr. Wehner launched a series of regional educational conferences presented by board staff around the state. The seminars promoted the board's improved processes and advances to e-case, health management and claims adjudication. More than 500 individuals have attended these conferences, with overwhelming positive feedback.

The Workers' Compensation Board administers benefit programs that protect the rights of injured workers. The state workers' compensation system guarantees workers injured on the job both medical care and weekly cash benefits, usually until they return to work. Under Mr. Wehner's direction, the Board resolved all pending issues for 312,902 new and pre-existing claims in 2004, marking the fourth consecutive year of 300,000 or more resolutions. In addition, in September 2005, Mr. Wehner initiated a review of the Board's outdated Medical Guidelines, bringing together 15 health providers to make recommendations that refine, clarify and update the department's uniform medical guidelines. Mr. Wehner was recently named to the Board of Directors for the American Society of Workers' Compensation Professionals (AMCOMP). In May 2005, Mr. Wehner was recognized by the Society of New York Workers' Compensation Bar Association for invaluable service rendered by the Workers' Compensation Board. Mr. Wehner served previously as Executive Deputy Commissioner of the New York State Department of Labor for more than three years. Prior to being named Executive Deputy Commissioner, Mr. Wehner served more than three-and-a-half years as Deputy Commissioner for Administration and Public Affairs. He also served as Chief Special Assistant to the Commissioner of Labor and Director of Communications. A former member of the Board of Directors for the National Association of State Workforce Agencies (NASWA), Mr. Wehner is also a past President of the National Association of Government Labor Officials (NAGLO). He previously served as State Media Director for United States Senator Alfonse M. D'Amato where he worked for 10 years in both his Washington, D.C. and Albany offices. A native of Rochester, New York, Mr. Wehner holds bachelor's and master's degrees in communications from the State University of New York at Albany. Active in youth sports, he and his wife, Diane, have three children.

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North Dakota
Workforce Safety & Insurance (WSI) has launched a new safety intervention program that will help employers prevent injuries and provide research on the effectiveness of specific safety interventions. It’s called the Hazard Elimination Learning Program or HELP. HELP is a voluntary research program offering employers the opportunity to apply for funds to purchase engineering controls and advancements that will remove workplace hazards and reduce or eliminate workplace injuries.

The purpose of HELP is to provide economic assistance to improve worker safety and conduct research on the effectiveness of each specific safety intervention. This research will be shared with other employers. By looking at worker safety before and after HELP interventions, employers will get a clear picture of the effectiveness of specific safety interventions.

With HELP, North Dakota employers have the opportunity to receive a matching 5-to-1 cash grant with WSI picking up the larger portion. Grants of up to $50,000 per employer are available under the program. Funding for HELP was authorized by the 2005 North Dakota Legislative session and is part of the $35 million WSI intends to spend on safety that is aimed at reducing injuries in the state.

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Nova Scotia
WCB Ad campaign receives international recognition
WCB of Nova Scotia was listed as a finalist in three categories (radio, internet and print) at the ADEEs – an international public service awards show based in Italy. Short listed were the radio ads from the 2005 general marketing campaign (Blue/Eventually), the young worker website (considersafety.ca) and the hand/eyeball posters (to see and hear all the ads, please go to
www.considersafety.ca). International recognition serves as a testament to the strength of the work safe message and the power of the medium in which to deliver that message. It is truly an honour to have been named a finalist by our global peers.

News tools in prevention
The WCB recently launched an exciting new online tool for employers called MyAccount. MyAccount offers better customer service by giving easy, online access to employers’ own WCB information. This helps employers proactively manage their prevention and return-to-work efforts by providing real-time access to injury and claim data - literally updated every 15 seconds - side by side with its impact on premiums. MyAccount is a powerful tool for Nova Scotia employers building the connection between better safety records and better business performance.

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Oklahoma
CompSource Oklahoma Contracts with Pharmacy Benefits Manager
CompSource Oklahoma is in the final stages of implementing a Pharmacy Benefits Manager (PBM) through HealthE Systems. CompSource believes the PBM will provide significant discounts on pharmaceuticals for injured workers resulting in cost savings to be passed on to insureds. HealthE System’s largely automated PBM program will additionally save injured workers time at the pharmacy by making prescriptions more readily accessible. Other anticipated benefits of the PBM are paper usage reduction and administrative cost savings.

Network specialists at CompSource and HealthE Systems have worked diligently to integrate the necessary components of both networks and they anticipate launching the PBM by the end of April.

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Oregon
INTERNAL AUDIT FUNCTION ESTABLISHED
Cathy Pollino accepted the position of chief internal auditor at SAIF, marking a new beginning for the internal audit function at SAIF. Pollino works under the direction of the Board of Directors' Audit Committee and reports directly to President and CEO Brenda JP Rocklin.

Before joining SAIF, Pollino was the director of audits for the Oregon Secretary of State. As chief auditor for the State of Oregon, Pollino oversaw 76 professional audit staff and managed an annual operating budget exceeding $6.5 million.

Pollino has a MBA from the University of Phoenix and a BA (double major) in business administration and economics from the University of Puget Sound. She is a certified internal controls auditor and a certified government financial manager, and she is former chair of the peer review committee of the National State Auditors' Association.

AGRICULTURAL SAFETY SEMINAR SERIES CONCLUDES
SAIF'S 11th annual agricultural safety seminar series concluded in March. Over 1,800 agriculture industry business owners, operators, supervisors, foreman, and employees attended 26 seminars in locations throughout the state. Many of the sessions were conducted exclusively in Spanish.

SAIF conducts these seminars to reach small agricultural accounts that might not otherwise receive safety and loss control services. This year's series included training on "farm vehicle safety and compliance," "drug awareness," and "communicating safety to farm employees."

ONLINE BILL PAYMENT
Online bill payment for all installment-billed customers went live in March. Customers can make one-time premium payments, set-up recurring payments, and make deposits from
saif.com.

BRAND DEVELOPMENT
Phase 1 of the SAIF rebranding project was completed in January. Deliverables in the first phase included extensive stakeholder research and a "brand platform" that will inform the brand experience management projects that are the focus of successive phases of the project.

The brand platform included a new vision statement, a new mission statement, and a clear expression of values and personality. It also provided messaging direction, including a statement of the industry position SAIF will claim, a brand promise to live into, and key messages to support and affirm the SAIF identity.

The project team is now considering new logos and visual identity treatments, and developing a plan to manage the brand experience.

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Price Edward Island
The Workers Compensation of Prince Edward Island has released a Farm Safety Code of Practice for the Province. The Farm Safety Code of Practice was developed to provide practical guidance for farm employers and workers to meet their requirements under the Occupational Health and Safety (OHS) Act. As of January 1, 2007, the Prince Edward Island OHS Act will apply to all workplaces, including farm operations. The Farm Safety Code of Practice was developed to address specific occupational health and safety issues on Island farms, and is meant to assist farm employers and workers to manage health and safety and meet legal requirements of the OHS Act.

The Prince Edward Island OHS Act regulations also now include provisions for Violence in the Workplace and Working Alone as well as updated amendments for Scaffolding and Hoisting Apparatus. The new Regulations will become effective May 1, 2006.

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Saskatchewan
Saskatchewan WCB Reduces Rates for 2006
In January, the Saskatchewan Workers’ Compensation Board (WCB) announced it had decreased employer premium rates 6.6% for 2006. This reduced the average net premium rate 13 cents from $1.97 to $1.84 per $100 of payroll.

Around 83% of the WCB’s nearly 34,000 registered employers were assessed lower premiums or saw premiums frozen for 2006. The remaining employers saw modest increases averaging 4.6%, with only one employer group seeing their rates rise above 10.5%.

WCB Chief Executive Officer Peter Federko attributed the rate decrease to “the continued efforts of employers and workers in advancing workplace safety programs. We saw the provincial workplace injury rate drop from a 20-year high of 4.95% in 2002 to 4.25% at the end of 2005. That means our focus on injury prevention is working.”

Other factors contributing to the rate decrease were a reduction in the number and duration of injury claims requiring time off work and an increase in investment income, which combines with premium revenues to fund the compensation system.

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Texas

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