December 2018 PRIMA

The Public Risk Management Association promotes effective risk management in the public interest as an essential component of public administration. President’s Message Jim Craig

Season’s Greetings! Since this is the season for thankfulness and giving, I would like to give appreciation for the many people who have helped make 2018 a successful year for Michigan PRIMA. There are many individuals who make our organization successful in forwarding the goal of effective public entity risk management and providing quality educational experiences.

First, I would like to express my appreciation to the 2018 officers and members of the Board: Doug Gniewek (vice-president), Hugo Cardenas (secretary), Shelly King (treasurer), and Charlie Stevens (past-president) for their work on behalf of MIPRIMA. Also, I appreciate the support board members IN THIS ISSUE Drew Dunsky and Cheryl Smith have provided to the organization.

Page 2 MI PRIMA would not be successful without the many volunteers who work to support the organization; MIPRIMA Board Members, following is a listing of just some of the individuals who have contributed this year Committees & Resources Thank you to Bill Brown (Program) and Donna Cianciolo (Program Coordinator) for their work in Pages 3-5 organizing, planning, and managing our highly evaluated educational seminars. 2018 Fall Conference Thank you to Judy Thomson-Torosian (Web Site and Scholarship) for her work in managing our web Page 6 site and overseeing the solicitation and award of our educational scholarships for students studying 2019 Scholarship Golf Outing the profession of public risk management. Save the Date Thanks to Paul Van Damme (Membership) who has served on the Board as president, vice-president, Page 7 and most recently chair of the Membership Committee. He will be leaving the Board after eight years Teens Using Marijuana of dedicated service. and E-Cigarettes to Vape

Page 8 The primary fund raiser of the organization is the annual golf outing, Tim McClorey (Golf Outing) has National Cyber organized the last two outings and have generated over $4,000 each year for support for educational Security Awareness programs. Thank you, Tim.

Pages 9-10 Michael Ellis (Legislative), member emeritus, continues to serve the organization as the link to our A Look at Work Place Violence attorney members in providing up-to-date and relevant information about what is happening in the worlds of legislation and litigation. His wise counsel and historical perspective is appreciated. Pages 11-12 Legislative Report Cheri Gelnak (Newsletter) oversees the newsletter and serves as staff photographer. Her ever present camera and photographic eye helps document the organizational activities. Thank you, Cheri. Page 13 Corporate Sponsors I would also like to extend thanks and appreciation to our new president, Doug Gniewek, and the newest members of the board, Cara Kowal and Craig Goulet, for their willingness to step forward and support the MI PRIMA organization.

SAVE THE DATE In closing, I would like to thank our generous corporate sponsors for their support of MI PRIMA; without their support both financially and in providing staff and logistical support we would not be SPRING MEETING able to do the things we do. Thank you. March 21, 2019 Vista Tech Livonia Best wishes to you and yours, may you have a happy, healthy and productive 2019. 2019 MIPRIMA Board of Directors

PRESIDENT TREASURER TRUSTEES Doug Gniewek Michelle King Drew Dunsky Detroit Public Schools City of Flushing c/o Road Commission for Oakland County 3011 West Grand Blvd 725 E. Main Street 31001 Lahser Road Fisher Bldg., 11th Floor Flushing, Michigan 48433 Beverly Hills, Michigan 48025 Detroit, Michigan 48202 (810) 659-5665 (248) 645-2000 (313) 873-0877 [email protected] [email protected] [email protected] SECRETARY Cheryl Smith Cara Kowal Wayne County Airport Authority VICE PRESIDENT 14001Merriman Rd LC Smith Building – Mezzanine Hugo Cardenas Livonia, MI 48154 Detroit, MI 48242 Waterford Township Dept. of Public Works Ph: (734) 513-0300 (734) 942-3749 5240 Civic Center Drive [email protected] [email protected] Waterford, Michigan 48329 (248) 618-7456 [email protected] PAST PRESIDENT Craig Goulet Jim Craig Bay County Michigan, Administrative Middle Cities Risk Management Trust Services 826 Municipal Way 515 Center Ave Lansing, Michigan 48917-6872 Bay City, MI 48708 (517) 492-1380 (989)895-4133 [email protected] 2019 MIPRIMA Committees Legislative Program Scholarship Chair: Michael Ellis Chair: Bill Brown Chair: Judy Thomson-Torosian Charlie Stevens Program Coordinator: Donna Cianciolo Donna Cianciolo Doug Gniewek Judy Thomson-Torosian Michael Ellis Jeff Clark Charlie Stevens Cummings, McClorey, Davis, Acho Shelly King Audrey Forbush Nominating Plunkett & Cooney Chair: Paul VanDamme Carol Rosati Newsletter Charlie Stevens Rosati, Schultz, Joppich & Amtsbuechler, P.C. Chair: Cheri Gelnak Tom Wolff Web Site Committee Membership Chair: Judy Thomson-Torosian Chair: Paul VanDamme Paul VanDamme

Useful Resources Stay informed on the latest national and local events.

Educational Resources National PRIMA Michigan BWDC Employer Insurance www.Primacentral.org Coverage Inquiry The Institute Offering National Membership www.TheInstitutes.org and Webinar Series Current Workers Comp Offering professional designations Insurance Coverage Lookup in Insurance and Risk Management Olivet College www.olivetcollege.edu Risk Management Library CPCU Society www.cpcusociety.org Library and Resource Directory 5 CPCU chapters located in Michigan Other Resources AM Best Rating Center PRIMA Institute Dept. of Treasury’s Listing Public Entity Risk Institute (PERI) of Approved Sureties Visit MIPRIMA E-Training Center Michigan Office of Finance and Insurance online... Risk and Insurance Management Society Services Search Criteria scan the QR (RIMS) – Education for Insurance Entities code! 2019 MIPRIMA Board of Directors 2018 MIPRIMA Fall Conference

Above left: Barclay Stewart, Deputy Director Public Safety Wayne County Airport Authority & Sgt Kevin Grant, Wayne County Airport Police Presented: Active Shooter-Prepare & Prevent

Above right: Audrey Forbush, Attorney with Plunkett, Cooney & Matthew Hines with Ameritrust Presented: Work Place Bullying 2018 MIPRIMA Fall Conference

Pictures Clockwise: Peter Filpansik, Director of Lake Management at LakePro Presented: Lake Management-Issues & Methods Kerrin O’Brien, Executive Director Michigan Recycling Coalition Presented: Community Challenges of Recycling Adam Wilberding, with Strategic Safety, Inc. Presented: Distracted Driving – Problems, Challenges & Strategies 2018 MIPRIMA Fall Conference THE ANNUAL MICHIGAN PRIMA SCHOLARSHIP GOLF OUTING

June 12, 2019 Glen Oaks Golf Course 30500 Thirteen Mile Road Farmington Hills, Michigan 48334

Mark your calendars, and plan to join us for the 18-hole scramble event with a shotgun start at 9:30 am and lunch at the turn.

Two Lucky Golfers will get one shot at making a Hole-In-One for $1,000,000 Registration and coffee/donuts begin at 8:00 a.m. and the Hole-In-One event at 9:00 a.m.

****FULLY PAID FOURSOMES ONLY**** $400 per Team Teams should submit one check for the team. PLEASE PROVIDE THE NAMES OF ALL FOUR GOLFERS ON YOUR TEAM.

Send your check now to reserve a spot for your team; we are limited to 144 golfers.

Price includes: Golf with cart, coffee/doughnuts/danish, lunch, dinner, Skins game and prizes. (Beverage cart on course is cash only.) If attending for Dinner only: $45.00 Per Person

Make all checks payable to MIPRIMA Send to: Tim McClorey, Risk Manager C/o Michigan Municipal Risk Management Authority 14001 Merriman Road Livonia, MI 48154 (734) 513-0300 Michigan PRIMA P7

Teens Using Marijuana and E-Cigarettes to Vape By Charlie Stevens

Electronic cigarettes, also known as e-cigarettes, are being used by teens to ingest marijuana, according to a newly released school- based survey.

E-cigarettes typically contain nicotine, but many of the battery-powered devices can vaporize or "vape" other substances, including marijuana. Results published by the Journal of the American Medical Association (JAMA) indicate that 2.1 million middle and high school students have used e-cigarettes to get high.

Vaping is widely considered less dangerous than smoking, because it avoids burning tobacco or marijuana, which generates chemicals that are harmful to lungs. But there is little research on e-cigarettes’ long-term effects, including whether they help smokers quit.

The rise in teenagers using e-cigarettes has alarmed health officials who worry kids will get addicted to nicotine, a stimulant, and be more likely to try cigarettes. The Food and Drug Administration (FDA) has given the five largest e-cigarette makers 60 days to produce plans to stop underage use of their products.

To see an abstract of the JAMA study or to download the full report (for a fee) here is a link.

According to Greencamp News, stats tell us that more than half of all Canadians in their prime age for going to college smoke cannabis, but then asked the question, “is this activity going to be allowed on college campuses?” In the United States, ten states (Alaska, California, Colorado, Maine, Massachusetts, Michigan, Nevada, Oregon, Vermont and Washington) plus the District of Columbia have voted to legalize marijuana for recreational use. However, even on campuses in states were marijuana is legal, the institutions continue to ban marijuana. Per a study by American Nonsmokers’ Right Foundation (ANRF), as of October 2018, 2,279 colleges and universities have smoke free campuses. Additionally, 1,886 of the colleges and universities prohibited e-cigarettes.

An article published by Inside Higher Ed reported that colleges and universities believe they are constricted by the Drug-Free Schools and Communities Act, which lays out requirements for all Institutions of Higher Education receiving any form of federal funding. The concern is that a non-compliant campus could loss federal funds.

Why are states voting to legalize marijuana? A Pew Research Center survey found that in 2006 sixty percent of American adults opposed legalization of cannabis, but by 2016 fifty-seven percent said it should be legalized. Hence, public opinion is affecting legislation. Yet, as more states legalize the use of marijuana, federal law has not changed, creating an epic legal incongruence.

Students that advocate for use of marijuana argue that the “pot” is safer than alcohol. The University of Maryland’s School of Public Health published research that documents the negative academic impact of cannabis use, the schools director of health services stated.

Other medical studies have found that cannabis, has a much greater effect on the developing youth brains, which adversely “In my opinion, this university needs to do what we can from a affects brain development, causing permanent damage and policy and enforcement perspective to prevent students from psychological disorders, including depression and contributing using marijuana. Any other approach would contradict our to an increase in suicides. mission to educate students. Other harms associated with the use of marijuana include the development of psychiatric A study by the Drug Enforcement Administration reported disorders and increased likelihood of other drug use.” that the potency of illicit cannabis has consistently increased over time. The study found that the THC level in 1995 was 4% as compared to 20% in 2014, with some strains pushing upwards to 30%.

From a risk management perspective, ANRF advocates that colleges and universities need to adopt smoke-free and tobacco-free campus policies. Michigan PRIMA P8

National Cyber Security Awareness By Charlie Stevens

October was “National Cyber Security Awareness Month”. However, given the emerging cyber issues, it is important that all employees remain vigilant each and every day. For any organization to be successful in guarding against cyber exposures, there must be buy in from the CEO to the rank and file. In other words, cyber security cannot be left to an IT manager or risk manager. Employees will recognize if senior management is committed to and provides the necessary resources to protect an organization’s data.

Industry experts predict that by the end of 2019, 2.1 billion global consumers are expected to use a digital wallet to make a payment or send money; a 30% increase from 2017. Hence, MONEY is the driving force behind cyber-attacks. Some of the emerging issues include: critical infrastructure, cloud computing, cyber terrorism, political hacking, biometrics, mobile apps, social engineering, ransomware, supply chain risk, telematics, the dark web, and the internet of things.

Based on reported cyber-attacks, about 15% are directed toward the Public Sector. One example of such a breach occurred in 2013 against Maricopa Community College. The attack against Maricopa resulted in 2.4 million student and employee records being breached. News reports have pegged the cost at Maricopa as exceeding $26 million. College officials have acknowledged that the 2013 breach happened because district staff did not properly repair an earlier and less widespread hack that occurred in 2011.

According to Sendio, an email protection vendor, there is “No Safe Level of Spam”. IBM X-Force Research found that from 2015 – 2016 there was a 400% increase in spam and 44% of all spam contains a malicious attachment of some kind, including ransomware. Per IBM’s research 42% of small to medium size businesses were affected by ransomware. Emails, social media, and access to the internet are the leading causes of data breach. According to Travelers Insurance Company, 65% of malware was installed via email in 2017. But why? Because your organization can have firewalls, encryption, antivirus software, etc., but most breaches are caused by human error, by clicking on something we shouldn’t, or allowing others access to our systems.

Ninety-five percent of C-level executives believe data is an essential part of forming their business strategy. Yet, 95% of businesses struggle to implement data governance programs. So what are the obstacles? It starts with the people. As already stated, the lack of senior management involvement will often result in the lack of commitment. To be successful, the right people must be involved. Next, the security team has to have the right tools, and develop and implement the right processes. Finally, there has to be a financial commitment.

So creating a cyber awareness program begins with building a TEAM. Key members of the team should include, at minimum, CEO, IT management, security management, human resources, key department management, and facilities management. Once the TEAM is in place, a thorough analysis of all security risk should be under taken to fully understand the exposures. The TEAM should then undertake to develop detailed processes to address each exposure. With the processes or plan in place, it is vital that all employees be trained. Part of the training should include actual test of the processes to assure the effectiveness and if weaknesses are discovered, the processes should be improved. Training should be on-going, as should continuous review of the processes. We do this because it isn’t a matter of if you will have a data breach or cyber-attack, but rather, when you have an attack, you are prepared and can minimize the exposures. October is... Michigan PRIMA P9

A Look at Work Place Violence By Eric Waidelich The views set forth below are those of the author Eric Waidelich and do not necessarily reflect the views of the MIPRIMA Organization

Very few organizations will ever experience disturbed people engaging in shooting sprees that wound and kill multiple victims. A far greater number will face other forms of workplace violence. Threatening behavior and violent events that are less spectacular and less deadly. Nonetheless, these events significantly damage the well-being of an organization and place employees in harm’s way.

Before delving into the subject-matter, here are some statistics that may help us put the risk into perspective. The 2016 data presented below, is the most recent available and may be found by visiting NIOSH as well as the Bureau of Labor Statistics (BLS) websites.

• Violence is the second leading cause of death on the job, closely behind vehicle accidents. • Homicide is the number one cause of death for women in the workplace. • Nearly 2,000,000 workers are victims of “non-fatal assaults” each year in the U.S. o According to NIOSH, greater than 33,000 workers are victims of non-fatal assaults on the job each week. • 16,890 workers in the private sector experienced trauma level injuries from nonfatal workplace violence. • 21% of these cases required 31 or more days away from work to recover.

For the purpose of this article, we will be using the Federal Bureau of Investigations definition of workplace violence. The FBI defines it as “Homicide and other physical assaults, domestic violence, stalking, threats, harassment, bullying, emotional abuse, intimidation, and other forms of conduct that create anxiety, fear, and a climate of distrust in the workplace”.

In today’s age, these same activities may occur through various social media outlets, and are considered equally unacceptable in the eyes of the law. Although it may seem counter-intuitive as we are focusing on the health and well-being of individuals, workplace violence also includes intentional damage to property.

So what do we do when we find ourselves in a situation, where an aggravated individual has the potential to become violent? Our goal is to reduce the level of anxiety of the individual, to encourage the possibility for discussion. Allow me to present this thought process from a different perspective - reasoning with an enraged person is not possible. Ever.

With this understanding, recognizing the five levels of escalating behavior and how to respond, becomes critical. Each level presents itself through unique warning signs, and each level has its own response. Also remember, an individual will not necessarily move through all five levels of escalating behavior. They may skip a level and your response needs to adjust accordingly.

The five warning signs and their responses Warning Signs of CONFUSION • The person appears bewildered or distracted. • Unable to focus on the task-at-hand. • They are unsure or uncertain of their next action.

Responses to Confusion: • Listen attentively to the person. • Ask open-ended questions. • Give factual Information.

Warning Signs of FRUSTRATION • The Person is impatient and reactive. • Resists information you are giving him. • May try to bait you to see if you are being honest and sincere. continued... Michigan PRIMA P10

Responses to Frustration • If possible, move the person to a quiet location, although avoid being alone. You should always put yourself between the person and the exit. • Reassure him, talk to him in a calm voice. • Attempt to clarify their concerns.

Warning Signs of BLAME • The person may place responsibility on everyone else. • Accuse you or hold you responsible. • Place blame on you (pointing fingers).

Responses to Blame • Disengage with the person and bring a second party into the discussion. • Use a teamwork approach. • Draw the person back to the facts. • Show respect and concern. • Focus on areas of agreement to help resolve the situation.

Warning Signs of ANGER • The person may show a visible change in body posture. • Actions may include pounding fists, shouting, screaming or hands on head with eyes closed. • These signs are A MAJOR WARNING TO YOU!

Responses to Anger • Don’t argue with the person. • Don’t offer solutions – rational discussion is over. • Ask the person to leave – be firm, but calm.

Warning Signs of HOSTILITY • Physical actions or threats appear imminent. • There is immediate danger of physical harm or property damage. • Out-of-control behavior signals the person has crossed the line.

Responses to Hostility • Immediately disengage (cease further communication) and evacuate the area. • Have others in the immediate vicinity evacuate as well. • Alert proper authorities immediately, followed by contacting your supervisor.

As the statistics show, don’t ignore behaviors of concern – they will not go away and can escalate quickly. Realize that the workplace violence can be a real and present danger. Keep alert for signs of trouble and take immediate action to deal with threatening or violent behavior. Report all threats or violent behavior in compliance with your organizations policy as well as what it appropriate based on the level of risk and concern.

Contact: Eric Waidelich, Rizikon; Email: [email protected] Michigan PRIMA P11

Legislative Committee Update The views set forth below are those of the Committee Chairman, Michael Ellis, and do not necessarily reflect the view of MiPRIMA, or other Legislative Committee members.

US Supreme Court After contentious confirmation hearings Brett Kavanaugh was confirmed as our newest Associate Justice on the US Supreme Court. Kavanaugh replaces Associate Justice Anthony Kennedy who stepped down at the end of July. In recent years Justice Kennedy has been the deciding vote on several issues and it is believed that Justice Kavanaugh will be more consistently conservative. Justice Kavanaugh’s appointment was seen as a swing to the right for the future of the Supreme Court. LINK HERE

However, Justice Kavanaugh has kept a low profile in his first few weeks on the bench.READ HERE

Associate Justice Ruth Bader Ginsburg has become a celebrity of sorts with the nick name of “The Notorious RBG” (a play on the famous rapper “The Notorious BIG”). So, when the 85-year-old Justice fell at her office in early November and broke three ribs, it became national news. After being treated briefly at hospital, she was quickly reported to be working from home.READ HERE It is now reported that Justice Ginsburg has returned to the bench in time for the next oral argument and this means that she has yet to miss a single day of oral arguments since joining the court in 1993. LINK HERE

Michigan Supreme Court In November, we elected Elizabeth T. Clement and Megan K. Cavanaugh to the . Two seats on the Michigan Supreme Court were open for the midterm elections. Judges are listed on the nonpartisan portion of the ballot. Historically the designation of “incumbent” carries the day, but this was the third time since 2008 that voters have declined to elect an incumbent sitting justice. Incumbent Kurtis T. Wilder was defeated.

While Justices run on a nonpartisan portion of the ballot, they only get on the ballot by being nominated by one of the recognized parties or self-nominating as incumbents. This self-nomination is a factor that favors incumbents. The unsuccessful candidate Kurtis T. Wilder had self-nominated but continued to receive support from the Republican party. The other incumbent Elizabeth T. Clement also self-nominated but had trouble at the Republican convention where there was discussion of pulling the party endorsement because of her decision in the gerrymandering lawsuit. READ HERE READ MORE HERE

Wilder and Clements seemed to run separate campaigns and few joint ads were run. There were six candidates listed on the ballot and the two highest vote getters won. Clement received the most votes and the Democrat nominated challenger Megan K. Cavanaugh came in second with Kurtis T.Wilder, the other incumbent coming in a very close third. READ HERE

According to her web site, Megan Cavanagh was “a shareholder at Garan, Lucow & Miller P.C. in Detroit.” READ HERE

The Michigan Supreme Court will be 5 to 4 Republican majority. This is a shift from the previous 6 to 3 Republican majority and may soften the courts stand on certain issues.

Other Michigan Concerns “The will see more turnover than any legislative chamber in America next year because of a term-limit law that prevented 25 of 38 members from competing for re-election this month,” according to the Detroit News. This will create “a disruption in the force” as the newly elected move into new offices and train new staff. Anyone who has had a recent job change knows how long is takes to get situated and bring the chaos under control. This anticipated disruption has caused some discussion of whether term limits are worth it, but the local political pundits on Off the Record all agree that term limit are here to stay. READ MORE HERE

Not only do we have the term limits upheaval to look forward to, but we also now have Democrats as Governor, Secretary of State, and Attorney General with the House and Senate controlled by Republicans.

Democrat Governor–elect will replace Republican Rick Snyder in the next year, but control of the Michigan House and Senate remains with the Republicans.

Current Michigan Senate majority leader Arlan Meekhof was term limited and could not seek re-election. His successor has been selected and is Senator of Clark Lake. Senator of Flint was re-elected Senate minority leader.

In the House, GOP Rep. of Levering was elected as speaker for the 2019-20 term.

Democratic Rep. Christine Greig of Farmington Hills will be House minority leader after defeating Rep. Brian Elder of Bay City in continued... Michigan PRIMA P12

the only contested race for one of the top four leadership positions. She also will become the third woman to lead a legislative caucus in state history.

STORY 1 STORY 2 STORY 3 STORY 4 STORY 5

Michigan also saw three voter referendums approved and we will soon change our laws regarding marijuana, gerrymandering, and voter registration.

PROPOSAL 1 PROPOSAL 2 PROPOSAL 3

It will be interesting to see how the Executive and Legislative branches of Michigan’s government co-ordinate the implementation of these new voter implemented policies.

Police aren't entitled to kill dogs during search just because they are unlicensed, injury claims involving pets are some of the hardest to handle because the law views pets as property, but juries tend to view pets as something more. Risk Managers handling law enforcement exposures should be aware of a recent decision from the 6th U.S. Circuit Court of Appeals at Cincinnati. The argument that there was not even a property interest in unlicensed animals has disappeared. READ MORE HERE

Local newspapers have already alerted the Michigan public to this new change in the law. READ HERE

'What to do if stopped by blue' legislation - Senate Bills 805, 806, & 807 Early in 2018 Legislation was introduced to expand Drivers Education training to add a component on “What to do if stopped by blue”. This Legislation that was originally reported as having bi-partisan support and was to be the answer to reducing the problems arising from routine police stops gone bad. Unfortunately, these bills which seemed like a good idea when they were introduced have not gained any traction and have not progressed since introduced. SB 806 would have required the Secretary of State, in co- operation with the Department of State Police, to “Develop a program to educate students concerning the appropriate etiquette for interaction with law enforcement in the event of a traffic stop.” Risk managers should continue to monitor this legislation.

READ HERE READ MORE HERE

Effective Warnings – should you use “ALL CAPS”? Risk Managers responsible for posting warnings should be aware of research regarding using “ALL CAPS”. While historically this was thought to be the way to gain attention, the view is now being questioned and research seems to point in the other direction. Perhaps the over use of all caps “shouting” via email and Instagram has reduced its novelty to the point that it is no longer noticed. Clearly this is something to consider before printing your next batch of warnings. READ MORE

Sewers & Rain Water A new twist on sewer law suits seems to be costing local communities millions according to a recent Free Press article. READ ARTICLE HERE

The litigation centers on whether or not communities improperly charge residents for storm water, which courts have ruled is a violation of Michigan’s Headlee Amendment. According to the article there is a Legislative fix being proposed in the form of House Bill 4100 of 2017. READ HERE

Astroturfing For the holiday football fans, be aware that a new definition of “astroturfing” has entered our lexicon. Astroturfing in this era of “fake news” refers to one side in a controversy creating what looks like a “grassroots” movement. This appears a new twist in the concept of “agent provocateur” and a variation of the “false flag” operations. The term “false flag” is reputed to come from the habit of pirates dropping the “jolly roger” flag before battle and flying the flag of a peaceful country to confuse their victims. It is a sign of the times that internet skullduggery is misappropriating honorable football terminology. READ HERE

Gifts For those of you who still exchange gifts and include an attorney or two in your circle of gifts – here is the ABA official list of select legal gifts for 2018. READ LIST HERE

Other gifts Here is a link to an article of interest for those considering the traditional gift of a neck tie and all Risk Manages who work under a formal dress code requiring a neck tie. Scientific research has revealed that wearing a neck tie reduces creativity because it limits blood flow to the brain.READ HERE 2018 Corporate Sponsors Claims, Investigative and Financial Service Companies Insurance Companies or Agencies Advantage OT, Occupational Therapy experts with focus on Arthur J. Gallagher & Company Holistic approach to benefits, unique Workforce Ready programs including simulation clinics. insurance placement and risk management solutions. For details For details contact: Kathleen Dunning (248) 689-0468. contact: Chadd Hodkinson 248-430-2807 ASU Group, third party administration offering claims and risk IBEX Insurance Agency is an all lines independent insurance management service, medical case management, and medical agency. For details contact: Keith Potter (248) 538-0470. bill review. For details contact: Chad Johnson (517) 381-7923. Midwest Employers Casualty Company, Excess Workers’ Mackinaw Administrators, Third Party Administrator workers Compensation Coverage. For details contact: Phil Giljum (636) compensation claims and risk management solutions. For details 449-7000. contact: Donna Cianciolo 810-844-3945. Optum, pharmacy benefit management and ancillary services. Law Firms For details contact: Matt Hersey, 248-982-0701 (C); 614-212-6237 CMDA, P.C. a full-service law firm. For details contact: Jeff Clark (O); or [email protected]. (734) 261-2400, [email protected]. Plante & Moran PLLC, public accounting and business advisory Plunkett & Cooney, P.C. litigation defense and trial practice law firm. For details contact: Terry Olejnik (248) 223-3388. firm. For details contact: Audrey Forbush, (810) 342-7014. Review Works a managed care and medical cost containment Rosati, Schultz, Joppich & Amtsbuechler P.C. a full-service law company. For details contact: Leslie Locke 800-443-1320. firm. For details contact: Carol Rosati (248) 489-4100. ServPro professional emergency restoration, water, fire or mold. Seward Henderson PLLC, new generation of skilled advisors and Available 24/7. For details contact: Mike Snyder (989) 239-9170, courtroom practitioners, leading clients down a better path. For [email protected]. details contact: Kali Henderson 248-733-3580; khenderson@ Team Rehabilitation, a full-service physical therapy, occupational sewardhenderson.com. therapy and work conditioning company, with over 50 locations across Michigan. For details contact: Brooke Blower 586-909- 4368. York Risk Services Group, York is a risk solutions provider offering integrated and customized solutions including risk management, claims administration, managed care and absence management. For details contact: Lauren Haygood 614-789-3702.

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