2017/18 ANNUAL REPORT

REAL PEOPLE. REAL DIFFERENCE. A WORD FROM OUR CEO REAL PEOPLE. 2017/18 Annual Report

Dear members, partners and friends, REAL DIFFERENCE. It is with great pride that I share with you our 2017/18 Annual Report, which highlights some of the accomplishments of the hardworking team here at California Schools JPA. TABLE OF CONTENTS Fiscal year 2017–2018 was a year of continued growth and positive transformation. Our two organizations—each led by a members-only Board of Directors—have undergone many exciting changes all while keeping our strategic direction and spirit of community throughout the year. RISK MANAGEMENT EMPLOYEE BENEFITS In the wake of nationally publicized school shootings and very close-to-home suicides, we have redoubled our efforts to help improve the mental health, safety, security and well-being of CSRM Risk Management 4 CSEBA Employee Benefits ...... 14 students and staff. Our dedicated team worked with school districts to create robust active shooter trainings so students We increased our employee benefits plans by adding 2017/18 Highlights at a Glance 5 2017/18 Highlights at a Glance 15 and staff are prepared. In responding to the suicides that new options to our CSEBA Marketplace and began the rocked our own community, our training manager partnered implementation stage of our new online benefits platform that Unique Rent-a-Risk Manager Program Offers Know Your Numbers Campaign Shows with a district to create an event that would inspire the entire will allow for even greater wellness options for individuals at community to hope again. This event raised awareness about our districts. I, personally, love some of the new options and Individual Approach to Each District ...... 6 Life-Saving Results ...... 16 mental health issues, and gathered numerous local and free have already purchased pet insurance for my sweet chocolate resources to help ensure every member of the community has German Shorthaired Pointer, Brody. How Can Schools Protect Students Better? Getting Critical Health Care Members Need, access to help should they need it. And when our school per- Active Shooter Training 8 When They Need It ...... 18 sonnel have personal struggles, our employee benefits manag- This year has really reminded me about the importance of ers help them access the mental health and physical health care building and maintaining relationships founded on trust and that they so desperately need. mutual respect. Our entire organization exists today because of CSRM Member List ...... 10 CSEBA Member List 20 the long-lasting relationships that our staff has developed with Our risk team worked hard to earn their ARMs (Associates our members. I am so proud of the amazing work of my entire CSRM Financials 12 CSEBA Financials ...... 22 in Risk Management) so that they can better serve our mem- team. Their passion and dedication to our members inspire me bers. We have seen great growth and success in our workers’ every single day. compensation program. With this success, we will be bringing 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) additional services and claims oversight in-house and self-fund- I hope their stories will inspire you as well. ing beginning in the 2018/19 fiscal year. We have continued to increase our engagement with trainings and offer solutions that are especially focused on sexual misconduct trainings, awareness, and prevention in the face of rising sexual abuse and molestation cases throughout the state of California. —Karla Rhay, Ed.D, Chief Executive Officer CSRM RISK MANAGEMENT 2017/18 HIGHLIGHTS AT A GLANCE

California Schools JPA provides risk management services through a growing Published best practices on these key issues: HOPE event (a suicide awareness forum) in April dedicated Safety and Loss Control team that includes: a safety and loss control • Drones on campus 2018 at the Yucaipa Community Center manager, four risk managers, a property and liability claims manager, and a workers’ • Oxygen use on campus This inspiring event helped turn a tragic suicide into a compensation claims manager. • Preventing injuries from student behavior community-bonding experience that raised awareness about the importance of mental health, and brought together • Student health note management These professionals are responsible for addressing the needs of the member valuable mental health resources available to the community. • Special education and extra-curricular activities The forum—created in conjunction with Yucaipa-Calimesa districts. Not only do they provide online, extension and in-person trainings, but • Parent chaperone protocols Joint Unified School District, the city of Yucaipa, local they also conduct site inspections at member districts to evaluate and assist in • Use of personal sports equipment mental health services, and local law enforcement—was free of remediation of risk. The Safety and Loss Control team monitors site inspection • Hate prevention programs for schools charge and open to the students, staff, parents and the entire community. reports and provides assistance and guidance for member districts to address loss Expanded Rent-a-Risk-Manager program with prevention concerns and be prepared for future emergencies and claims. While we Spring/Summer 2018 “We Care” card art event for Southern Kern Unified School District never want a claim to occur, our expert Claims managers handle the oversight and all member districts (see page 6 for the full story) management of claims with our Third Party Administrators. The art contest was for all students currently enrolled at Southern Kern Unified School District lacked a risk manager schools of California Schools JPA workers’ compensation and needed help with their safety and loss control programs. member districts. The artwork was gathered and 12 submis- With limited resources, the district reached out to California sions were selected to be used for the “we care” get well cards Schools JPA and asked for help, knowing that other districts intended to be sent to member district’s injured workers. highly recommended their​ ​ services including the Rent-a-Risk manager program. Through this program, a dedicated risk Cal-OSHA inspections and ongoing development of manager assisted onsite at the district updating and expanding compliance plans, emergency plans, safety and compliance Emergency Action Plans trainings, safety programs and protocols, and conducting dis- At California Schools JPA, risk managers take great pride in trict-wide safety inspections. providing free safety and loss control services to every member district. This includes helping districts develop their Injury Extensive Active Shooter Training with the Victor Illness Prevention Plans (IIPP) and conducting the required Elementary School District trainings in compliance with Cal-OSHA. Districts also need emergency action plans so that, in the unfortunate event of an (see page 8 for the full story) emergency, they are prepared to get their students and staff Victor Elementary School District looked to California to safety. Risk managers from California Schools JPA conduct Schools JPA to help develop an ongoing program to identify regular site-safety inspections of individual school sites, and schools’ vulnerabilities using the expertise and experiences of work with the districts to mitigate any potential hazards. all district employees.

4 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 5 RISK MANAGEMENT 2017/18 ANNUAL REPORT

outhern Kern Unified School District recently faced “Our work was valuable to them because it helped them reduce Unique Rent-a-Risk Manager Program Offers spiraling workers’ compensation costs, loss of worker pro- claims, train people, keep people safe, and keep students learn- Sductivity and concerns about potential liability. Limited ing,” Val says. external resources—along with the lack of a dedicated risk Individual Approach to Each District manager on staff—made these challenges even more critical. Pride in customer service no matter what the project In search of help, the district heard about the unique Rent- A key element of the Rent-a-Risk-Manager program is ongoing a-Risk-Manager program offered by California Schools JPA. hands-on support, which “resists a one-size-fits-all approach The program is designed for any district needing additional for school districts” according to Dan Mellon, interim safety onsite, hands-on support to assist in developing programs and and loss control manager and the first Rent-a-Risk-Manager processes that the district has not had the resources or staffing Dan Mellon, Interim Safety and Loss Control Manager with California Schools JPA with California Schools JPA. to complete. Today at Southern Kern Unified School District, a dedicated As in the case of the Southern Kern Unified School District, risk manager visits the district once or twice a week—updating the program can even help districts who are not directly a part compliance plans, conducting district-wide site safety inspec- of California Schools JPA. tions, developing emergency action plans, and conducting ongoing safety and compliance trainings. “We’re not getting what we need to keep our These risk managers pride themselves on their customer ser- students and staff safe—can you help?” vice and work hard to build relationships with their districts, When Southern Kern Unified School District reached out no matter the scale of the project. to California Schools JPA, the team of risk managers quickly “And, after a year of our Rent-A-Risk-Manager work together,” responded by visiting the district to assess the situation and Val adds, “We were proud to welcome Southern Kern as our see how they might be able to help. Satisfied with the plan, newest CSRM member.” the district decided to “rent” safety and loss control manager, Robert Romero, a service available from California Schools JPA. With his assistance, the superintendent and CBO were able to make immediate corrections and long-term plans to reduce risks throughout the district. Over the course of a year, the “rented” risk manager and the school district developed and updated written workplace safety programs, Injury Illness Prevention Plans, and expanded and enhanced an extensive training matrix that ensures the district meets all compliance requirements. REAL PEOPLE. Val Dixon, senior risk manager with California Schools JPA, REAL DIFFERENCE. remembers how pleased they were feeling as Robert’s work got started.

6 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 7 RISK MANAGEMENT 2017/18 ANNUAL REPORT

ictor Elementary School District is a powerful example hind. Every single idea was unique to the situation; and these How Can Schools Protect Students Better? of how schools are continuously working to keep their ideas were encouraged by the risk managers so that, should Vstudents safe from acts of unspeakable violence. During an emergency like this actually happen, everyone will know the 2017/18 school year, the district worked with risk managers what they are going to do. The district and risk managers also Active Shooter Training from California Schools JPA to develop extensive training to developed a poster featuring the phrase “Run. Hide. Decide.” prepare (to the fullest extent possible) every school and district to further encourage teacher-led conversations with students, site for active shooters or other threats. appropriate to their age level. The specialized training took place over many months and fo- “No one should ever underestimate the power of children’s and cused on constant improvement to the efforts to prevent loss teachers’ thinking,” Val says. of life at elementary schools in the event of an active shooter. Val Dixon, Senior Risk Manager with California Schools JPA Every Friday morning, an active shooter drill took place at a “Everyone wants the same thing.” different school site and included a full campus lock down. In the afternoon, each of these was followed by in-depth discus- Victor Elementary School District was also clear in its desire sions and de-briefings to determine where staff felt vulnerable to train everyone who could possibly be a part of a child’s and what adjustments could be made right away. school day. This included substitute teachers, aides, part-time employees as well as those who work off school grounds (such The power of teachers as transportation, maintenance and district-level employees). “Everybody in the district wants the same things for themselves Teachers played a critical role in each training exercise because and for students—to be able to come to work or school and they know their schools and their students better than anyone feel less vulnerable,” says Val. else. Risk managers asked teachers to consider the following questions to encourage them to think in ways they had never With the success of the 2017/18 training, the district is thought of before about school safety: following up with “Revisiting Active Shooter Training” • Had they talked to their fellow teachers and staff about sessions in 2019 to re-examine previous efforts and identify what they would do? new top priorities. • What out-of-the-box ideas could you use to keep yourself and students safe? • What could everyone share as options to protect students in every situation imaginable? • How have they talked to their students and brainstormed about safety ideas in their classroom? The teachers’ answers and ideas, as well as those of some of REAL PEOPLE. their students, impressed Val Dixon, senior risk manager. REAL DIFFERENCE. Ideas ranged from students draping jackets over their desks to ensure they weren’t visible when hiding under the desks to teachers building makeshift walls for students to disappear be-

8 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 9 RISK MANAGEMENT 2017/18 ANNUAL REPORT CSRM Member List Adelanto School District * Helendale School District With the new day Alta Loma School District * Hesperia Unified School District * Baker Valley Unified School District * Lucerne Valley Unified School District comes new strength Baldy View Regional Occupational Program * Morongo Unified School District * Barstow Community College District Mt. Baldy Joint School District * and new thoughts. Barstow Unified School District Mt. View School District * Bear Valley Unified School District Needles Unified School District —Eleanor Roosevelt BestNet JPA Oro Grande School District Central School District * Rim of the World Unified School District * Chaffey Community College District* Riverside Community College District Chino Valley Unified School District * San Bernardino City Unified School District * Colton-Redlands-Yucaipa Regional Occupational Program San Bernardino County Superintendent of Schools * Copper Mountain Community College District * Snowline Joint Unified School District * Cucamonga School District * Victor Elementary School District * East San Gabriel Valley Regional Occupational Program * Victor Union High School District * Yucaipa-Calimesa Joint Unified School District *

*Denotes also participates in CSEBA benefits 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 10 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 11 RISK MANAGEMENT 2017/18 ANNUAL REPORT CSRM Financials

Change in Net Position EXCESS EXCESS Program Total Assets Total Liabilities Net Position from Previous Year MEMBER REINSURANCE INSURANCE INSURANCE Property/Liability $32,651,363 $13,085,451 $19,565,912 $983,654 PROGRAM RESPONSIBILITY JPA SELF-INSURED RANGE RANGE RANGE Workers' Compensation $38,909,375 $18,054,411 $20,854,964 $50,945 Property $0–$25,000 $5,001–$100,000 . $100,001– >$600,000,000 $600,000,000 Southern California $5,971,339 . $5,971,339 $144,080 Schools Facilities Corp Flood $0–$25,000 $5,001–$100,000 . $100,001– >$20,000,000 $20,000,000 Boiler and $0–$25,000 $5,001–$100,000 . $100,001– >$100,000,000 CSRM Total Operating and Non-operating Expenses Machinery $100,000,000 Claims Administrator and Broker Fees Liability $0–$25,003 $5,001–$500,000 $500,001– $5,000,001– >$20,000,000 $422,790 $5,000,000 $20,000,000 Claims Expenses Electronic Data $0–$500 $501–$5,000 $12,437,477 Processing Return of Contributions Automobile $0–$1,000 $1,001–FMV $208,807 Comprehensive and Collision Building Operating Expenses $530,820 Insurance Premiums Crime $0–$5,000 $5,001–$10,000 $26,776,314 General Expenses $1,419,116 Other Administration Fees $2,092,461

Total Expenses $43,887,785 REAL PEOPLE. Contributions $43,177,903 REAL DIFFERENCE. Other Sources $1,350,581 Total Revenue $44,528,754

Net Income (Total Revenue – Total Expenses) $640,969 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 12 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 13 CSEBA EMPLOYEE BENEFITS 2017/18 HIGHLIGHTS AT A GLANCE

As an equally represented labor and management pool, full-service provider of Updated online benefits platform launched Group Medicare Advantage Plan for Blue Shield medical, dental, vision and life insurance, the Employee Benefits team at California The new online platform (powered by Benefitfocus) went was added Schools JPA actively addresses member health and wellness needs through personal live for every school district by July 2018, so much of 2017/18 Post-65 retirees need Medicare A and B so this addition al- connection, expert guidance, and technological assistance. The dedicated benefits was the discovery and implementation phase of this project. lowed districts to continue coverage to their post-65 retirees. Benefitfocus provides an easier user experience, easier admin- team consists of a licensed employee benefits manager, two licensed benefits istration during open enrollment and more wellness options Know Your Numbers Campaign account managers and a project assistant. for the members—such as pet insurance, supplemental life, critical illness coverage, identity protection coverage and even (see page 16 for the full story) legal coverage. This innovative campaign challenged member districts to en- courage employees to identify their personal health goals (body EPIC hearing benefit (Amplify) voluntary/pilot mass index (BMI), cholesterol, blood sugar and blood pressure program began levels, etc.). Thanks to this initiative, many members reported that simply by going to the doctor and learning their numbers, To enhance the wellness of all members, CSEBA from their lives were changed. California Schools JPA regularly adds programs. The Amplify program allows covered members to get an annual routine hearing test, covers EPIC Hearing Healthcare’s hearing New public school districts welcomed as members aids and allows member access to all other major hearing aid • San Bernardino Community College District brands at preferred prices. This benefit was so successful that • Westminster School District it was adopted for every medical member of the pool for the upcoming 2018/19 year. • Beaumont Unified School District (certificated) • Encinitas Union School District. Marketplace program options were enhanced • Added dental and vision to the Marketplace coverage. • Offered voluntary optional 4-tier specialty drug/pharmacy so that specialty drugs would have less of an impact on pharma- ceutical costs for the pool and assist with a stable renewal.

14 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 15 EMPLOYEE BENEFITS 2017/18 ANNUAL REPORT

he inspiration behind the California Schools JPA “Know Challenges boost wellness efforts Know Your Numbers Campaign Shows Your Numbers Campaign” was simple but critical—help- Ting member employees learn more about hidden health Hearing other people share what they’ve learned has been risks due to high blood pressure, cholesterol, blood sugar, and another extremely positive result of the campaign for Ellen. Life-Saving Results Body Mass Index (BMI). “People tell me that they went to the doctor to do the screen- “Many people don’t realize they have a problem and therefore ing simply for the wellness points or incentives from the cam- don’t do anything about it. For example, with high blood pres- paign and they found out they’re at risk of developing diabetes,” sure, there may not be any symptoms,” says employee benefits says Ellen. She adds that many people also found out about the manager Ellen Alcalá. risks associated with a high BMI and set a goal to lose weight. Some employees and their families have become so motivated Ellen Alcalá, Employee Benefits Manager with California Schools JPA The campaign did reveal unexpected results for many people. that they even created or participated in challenges together And to her surprise, for Ellen herself. after school hours with activities ranging from Zumba to yoga to running clubs. “My cholesterol was through the roof. I had no idea.” While there is still much to be done when it comes to em- At the beginning of the campaign CSEBA from California ployee wellness, Ellen is pleased with the positive effect the Schools JPA created, Ellen knew her health wasn’t perfect. For campaign had on the employees. one, she knew she needed to lose weight. So as part of her ef- “If you save one life, it is worth it,” she explains. forts to convince other employees to take part in the campaign, she scheduled a biometric screening with her doctor. While she expected her BMI to be high, she was shocked when the results showed she also had high cholesterol. “My cholesterol was through the roof. I had no idea,” says Ellen. Frightened by her results, she took the news very seriously and slowly started to introduce changes into her lifestyle. That part was made easier thanks to the Go365™ wellness and points program offered through the California Schools JPA. She was given information about steps she could take to reduce both her BMI and her cholesterol level. But she had to make the effort to do it. Her efforts made a big difference, says Ellen, explaining that she’s gone from being a couch potato to walking half mara- REAL PEOPLE. thons. What’s more, she has lost about 50 pounds and is now almost at a healthy weight. REAL DIFFERENCE.

16 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 17 EMPLOYEE BENEFITS 2017/18 ANNUAL REPORT

ith so many members hurting for so many reasons, the Ellen Alcalá, employee benefits manager at California Schools Getting Critical Health Care Members Need, employee benefits managers at California Schools JPA JPA, finds it incredibly rewarding to be able to help members, Wunderstand how important it is to help increase access even though it isn’t always easy. “The demand for mental to health care services. In many cases, members rely on their health services has gotten so huge, especially among young When They Need It employee benefits representative only after they have done people. With kids so attached to their phones, bullying is a everything they can on their own to find help. 24/7 issue,” says Ellen. In early December 2018, one member suffering from crippling She recalls how it broke her heart recently to see one particular back pain turned to his benefits manager at California Schools mother fighting for the life of her son who is fighting drug JPA, Francisco Rodriguez, in desperation after reaching out addiction. It got so bad that he overdosed several times. The to doctor after doctor. After hearing he was unable to get an mother was trying to hold her family together through the Francisco Rodriguez, Senior Benefits Account Manager appointment until the end of the month, the member was crisis, guide a school district, and get her son into a drug reha- with California Schools JPA desperate for help. The pain was so severe it interfered with bilitation facility. his daily life. “It was heartbreaking. The young man was so overwhelmed The member placed a call to Francisco’s mobile phone one thinking there was no help available through his insurance and late Friday afternoon. Working through the weekend, Fran- the mother was fighting for him and having trouble accessing cisco was able to connect with a health advocate, along with the care her son needed. It took work, but we were finally able medical representatives, to secure the member an appoint- to get him into a facility. Today it’s been about five months. ment with the right doctor by the following Monday. Francis- He’s clean, he’s working and back in school part-time. It’s co says that while the member was incredibly grateful, he was never over because addiction is addiction and he is going to just doing his job. struggle. But he’s still alive, and that’s a big deal,” says Ellen.

Access to health care is a growing issue On a daily basis, California Schools JPA benefits managers re- ceive calls like this and respond just like Francisco did. While no two days are the same, many of the calls are from members unable to access doctors, prescriptions or other care they need. The availability of mental health and youth drug rehabilitation resources is particularly poor, with a shortage of providers in both California and across the country. While finding services for these agonizing and extremely challenging cases requires great amounts of time, California Schools JPA benefits man- REAL PEOPLE. agers are committed to providing compassion to members and their families. REAL DIFFERENCE.

18 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 19 EMPLOYEE BENEFITS 2017/18 ANNUAL REPORT CSEBA Member List

Adelanto School District * Laguna Beach Unified School District The ability to be in the present Alta Loma School District * Morongo Unified School District * Apple Valley Unified School District Mt. Baldy Joint School District * moment is a major component Baker Valley Unified School District * Mountain View School District * Baldy View Regional Occupational Program * North Orange County Regional Occupational Program of mental wellness. Bassett Unified School District Ontario-Montclair School District —Abraham Maslow Bear Valley Unified School District Ramona Unified School District Beaumont Unified School District Rialto Unified School District Central School District * Rim of the World Unified School District * Centralia School District Riverside Unified School District Chaffey Community College * San Bernardino City Unified School District * CharterSAFE San Bernardino Community College District Chino Valley Unified School District * San Bernardino County Superintendent of Schools * College & Career Advantage San Marino Unified School District Colton Joint Unified School District Santee School District Copper Mountain Community College* Savanna School District Covina Valley Unified School District Silver Valley Unified School District Cucamonga School District * South Pasadena Unified School District East San Gabriel Valley Regional Occupational Program * Summit Leadership Academy East Whittier City School District Victor Elementary School District * Encinitas Union School District Victor Valley Community College District Etiwanda School District * Westminster School District Excelsior Education Center Yucaipa-Calimesa Joint Unified School District * Hemet Unified School District *Denotes also a CSRM member Hesperia Unified School District * 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 20 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 21 EMPLOYEE BENEFITS 2017/18 ANNUAL REPORT CSEBA Financials

CHANGE IN NET CATEGORY 7/1/16–6/30 /17 7/1/17–6/30/18 TOTAL ASSETS AT POSITION FROM Estimated Productivity Savings $265,653 $350,020 PROGRAM END OF YEAR LIABILITIES NET POSITION PREVIOUS YEAR Estimated Plan Savings $18,600 $20,000 Dental $18,657,631 $3,190,459 $15,467,172 $3,085,727 Estimated Member Savings $326,465 $160,742 Vision $2,273,885 $840,489 $1,433,396 $31,509 Life $1,445,168 $40,323 $1,404,845 $294,277 # of Interactions 3,951 5,154 Blue Cross $12,067,791 $1,274,875 $10,792,916 $865,051 Hours Logged by Advocates 1,771 2,334 Blue Shield $17,142,769 $11,775,911 $5,366,858 - $662,572 EAP Cases $255 $320 Kaiser Permanente $7,234,668 $1,448,985 $5,785,683 $875,124 Onsite Training/Support $203 $343

PROGRAM $ Contributions Returned to Members Between 1997–2018 Top Used Dental $8,775,014 Programs by Year 7/1/16–6/30/17 7/1/17–6/30/18 Vision $3,095,653 1 EAP EAP Life $2,429,410 2 Claims Assistance Claims Assistance Medical $12,709,762 3 Specialty Care Work/Life Balance Locator 4 Benefits Education Specialty Care Locator 5 Work/Life Balance Appeals Assistance REAL PEOPLE. REAL DIFFERENCE.

2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 22 2017/18 Fiscal Year (July 1, 2017 to June 30, 2018) 23 2017/18 ANNUAL REPORT

REAL PEOPLE. REAL DIFFERENCE.

1950 South Sunwest Lane, Suite 100 909-763-4900 San Bernardino, CA 92408 csjpa.org