What's the main factor coloring employee satisfaction? Many organizations' leaders think the answer is salary, yet in reality, employee benefits packages are one of the biggest incentives an employer can offer. Educational institutions have done well in providing benefits to employees. However, with an unpredictable economic climate and a complex…

Most school districts today are looking for ways to save money without decreasing services to its staff. Retired pharmacist Tim Sylvester, a lifelong resident of Alpena Public Schools in Alpena, Michigan, presented the district with a pharmaceuticals plan that would save the district money without raising employee co-pays for prescriptions. The…

Annual double-digit increases in health insurance premiums may be the reality for school districts and private-sector employers for the foreseeable future. The author presents several factors that account for this unwelcome possibility. One cost-saving alternative for districts is to self-insure employees and assume the risks. Districts are…

By addressing common reasons that schools and mental health partners often cannot sustain sufficient school-based mental health services, Connecting With Care (CWC)--a mental health collaboration that places full-time clinicians in schools in Boston's most under-served urban neighborhood--is demonstrating how schools and districts can leverage…

Describes the components of a self-funded long-term disability program at East Allen County Schools, Indiana, and the risk management principles used to guide the decision to self-fund. (MLF)

Politicians are increasingly pressuring school districts to improve instruction while holding down costs. To achieve this aim, western New York school districts are experimenting with mutual gains bargaining, an alternative negotiation process based on Roger Fisher and William Ury's 1991 book "Getting to Yes." Instead of bargaining from…

Self-funding means that the client has accepted a portion of the risk and funded for that portion of the risk in a separate account designated exclusively for the payment of claims. Focuses on the financial advantages to self-funding the medical-insurance program. Presents pluses and minuses and defines a list of insurance terms. (MLF)

Under new "managed health care systems," the classical functional separation of risk taker, claims payor, and provider are vertically integrated into a common entity. This evolution should produce a competitive environment with medical care rendered to all Americans on a more cost-effective basis. (CJH)

A Proactive Safety Campaign at Lake Central School Corporation in St. John, Indiana, has lowered workers' compensation insurance costs. Quarterly meetings with the insurance carrier and the director of each department address individual concerns. (MLF)

Cost increases and realization of the diverse needs of employees have prompted organizations to review the cost and value of employee benefits. Examines alternatives including "cafeteria plans," managed care programs, and disability income plans. (MLF)

The cafeteria plan for health insurance benefits employers by reducing the overall escalation of health costs. Employees benefit by tailoring their benefit packages to their needs to including the option to decline coverage because of spouse employment. (MLF)

School business officials should attend workshops and seminars to help them plan for retirement. When approaching retirement, SBOs should invest for low-risk growth, determine retirement goals, match insurance with needs, and decide when to stop full-time work. Retirees should invest for growth and income, withdraw assets at the right time, and…

Presents the options available in risk management insurance and group health insurance programs, while outlining recent changes in the industry and their effects on school risk management programs. (MD)

Carroll County Public Schools (Maryland) implemented a computerized telephone employee health insurance enrollment program. The system provides its users with personalized enrollment information prior to the call and sends immediate confirmation letters. Telephone enrollment offers an ideal pairing of available electronic technology to the…

The remedy for school personnel who drink too much is not dismissal but an understanding examination of the problem and encouragement to get help under the rules that apply for sick leave and medical insurance coverage. (Author/MLF)