Volume 35 • Issue 2 Winter 2011 www.nsipa.org

100 Year History President’s Message 100 Year History By Ed Galloway, APA, CIPA ooff WWoorrkkeerrss’’ Happy New Year! The Board of Directors at NSIPA has been very busy since we last reported to you. CCoommppeennssaattiioonn Shortly after I wrote the last message, I was contacted by AMP, our management company, and asked if they could assist us in returning to BLF Management. After much negotiation, the return happened and Brad Feldman is again our executive director as of December 1, 2010. Brad has immediately jumped back into the management of NSIPA and has many new ideas and projects that he’s already started or shared with the board. One of the immediate updates was a relaunch of our website. Make sure you visit www.nsipa.org and check out the new features; we are excited about the new format. He is also personally contacting non-renewals and old friends of NSIPA, so please welcome him back if he speaks to you! We are now focusing our time to the operation of the society. We are busy finalizing the plans for our Indianapolis Annual Seminar on April 17-19. Complete details of the meeting and registration materials are within this issue. National newsmakers often frighten us with reports of unemployment, bankruptcies, homeless families, and such. As auditors, we are Also Inside: all aware of the economy of our areas; we often see it up close and hear the sad stories of people On the Road: Eating Healthy and as they suffer. Staying Fit on the Road However, we also have the responsibility to do our work correctly. In changing times, businesses Last Word: What Do May 3, the Iron are often branching out to other areas of work to Chancellor, and Your Job Have keep their employees busy. A home building In Common? contractor may now be doing specialty work 2011 Annual Seminar Speakers such as remodeling, replacement roofing, cabinetwork, or even commercial work. Do we always investigate and report these changes to our employers/customers in our audit report? Do we add classes (or suggest class additions) when required? Do we even ask questions of operations to companies that we’ve audited for many years or do we fall into an autopilot mode? Member Spotlight: Bruce Paulson, APA, CPCU These are reasons that a professional associations of auditors exists. We can bounce ideas and thoughts off of each other. We also can meet regularly with local auditors and discuss issues and classification questions with each other. Often we need to get back to the basics and Seminar Brochure Inside! review the basic rules. Almost every time that I go Continued on page 3 Table of Contents

President Lead Story: 100 Year History of Worker’s Compensation Edward Galloway, APA, CIPA

2 2009-2010 Officers Executive Vice President 2 NSIPA Past Presidents Sharon E. Engle 3 AuditEd Senior Vice President 3 Premium Audit Select Becky Garry, APA, CPCU, ARM, AU 4 Regional News First Vice President 5 Executive Director Report Mario Fiel 6 NSIPA Treasurer’s Report Second Vice President 7 100 Year History of Workers’ Ray E. Fitchner, CPCU, APA, CIPA Compensation Treasurer 9 On the Road: Eating Healthy and Staying Eugene D. Bowers, Jr. Fit on the Road 13 Member Spotlight: Bruce Paulson, APA, CPCU Immediate Past President Jeanne S. Arnold, APA, CIPA 15 2011 Annual Seminar Speakers Regional Vice Presidents • Insurance Market Impacts on Premium Audit Central States: Thomas Terzinski • Professionalism - What Does it Really Mean Northeast: Richard A. Nestor, CPCU, APA • Is Your Career in Compliance? Southeast: Juanita Lindsay 17 The Last Word Southwest: J. Kelly Crowell West: Dale Sluzewski 18 Membership Application 19 Classifieds Committee Chairs Audit: Edward Galloway, APA, CIPA Bylaws and Parliamentarian: Ray E. Fitchner, CPCU, APA, CIPA CIPA/CPD/Honors/Awards/Scholarships: John Dowdy Education/Library: Sharon E. Engle Interprofessional Liaison: Saundra J. Hamel Membership: Mario Fiel Nominations/Teleseminar Liaison: Jeanne S. Arnold, APA, CIPA Public Relations: John Dowdy NSIPA Past Presidents RVP Liaison: J. Kelly Crowell Select Liaison: Sue Grover, APA, CIPA, CPCU Dana Sparrow* ...... 1976 - 1977 ...... Des Moines, IA Seminar Planning: Mario Fiel Carl Baderstcher* ...... 1977 - 1978 ...... Nashville, TN Website: Edward W. Lynch, Jr., CIPA Lou Elfenbien* ...... 1978 - 1979 ...... Tulsa, OK James D. Lynn ...... 1979 - 1980 ...... Honolulu, HI Other Assistant Treasurer: Edward Galloway, APA, CIPA Harry A. Shumate ...... 1980 - 1981 ...... McAfee, NJ Historian: Taylor Smith Kenneth Lundburg ...... 1981 - 1982 ...... Itasca, IL Editor: Scott B. Miller, CPCU, CIPA, APA Al Cote* ...... 1982 - 1983 ...... Louisville, KY Assistant Editor: Sharon E. Engle L. Jerry Thompson ...... 1983 - 1984 ...... Oklahoma City, OK Staff T. Sidney Brown Jr ...... 1984 - 1985 ...... Long Beach, CA Executive Director: Brad L. Feldman, MPA, CAE, IOM Jim Porter* ...... 1985 - 1986 ...... Sturbridge, MA Josephine Marshall* ...... 1986 - 1987 ...... Indianapolis, IN F. Ronald Clopton* ...... 1987 - 1988 ...... Charleston, SC Frank A. Palmer ...... 1988 - 1989 ...... New Orleans, LA Eugene D. Bowers Jr ...... 1989 - 1990 ...... Honolulu, HI Clarke E. Nichols ...... 1990 - 1991 ...... Lake George, NY Anthony J. Iacono ...... 1991 - 1992 ...... Milwaukee, WI Reproduction Permission requests to reproduce written material should be sent to: Donald L. Holzemer ...... 1992 - 1993 ...... Atlanta, GA NSIPA Bruce Paulson ...... 1993 - 1994 ...... Austin, TX P.O. Box 936 Ed Galloway ...... 1994 - 1995 ...... Las Vegas, NV Columbus, OH 43216-0936 Loren McGlade ...... 1995 - 1997 ...... Pittsburgh, PA; St. Louis, MO (888) 846-7472 Arv J. Hallstrom ...... 1997 - 1998 ...... Tampa, FL Information appearing in this publication is obtained from sources we Tony R. Gonzalez ...... 1998 - 1999 ...... New Orleans, LA believe to be reliable. The information may not be a complete statement of Ray E. Fitchner ...... 1999 - 2000 ...... San Francisco, CA all available data and guaranteed as such. Conclusions are based solely on Lisa A. Brien ...... 2000 - 2001 ...... Honolulu, HI editorial judgment and analysis of technical factors and premium audit industry information sources. The Newsline is copyrighted and portions William Johnson ...... 2001 - 2002 ...... Philadelphia, PA may be reprinted with the permission of NSIPA. The Newsline is not Kelly Crowell ...... 2002 - 2004 ...... Kansas City, KS; Nashville, TN responsible for the contents of its advertisements and advises all members Fred L. Lowry Jr ...... 2004 - 2005 ...... Las Vegas, NV to investigate claims before making any purchases. Mario Fiel ...... 2005 - 2007 ...... Boston, MA; Chicago, IL Sue Grover ...... 2007 - 2009 ...... Las Vegas, NV; San Antonio, TX © Copyright 2011 National Society of Insurance Premium Auditors Jeanne Arnold ...... 2009 - 2010 ...... Nashville, TN (*deceased) All issues of Newsline are color-coordinated to match the PAGE 2 • Newsline • Winter 2011 • www.nsipa.org season, so we hope you enjoy this winter issue! NPresidenEt’s MessWage, cont. Sline

through a review of basic rules, I find some tidbit that I have missed in the past. In reviewing those rules with others, I often find that many don’t even understand the basics. We are all about serving and helping our industry and our membership. Make it a goal of yours to become more involved in your industry. Attend local, regional, and national meetings to learn more and associate with others in the industry. Contribute articles to their newsletters or Newsline . Run for office of these associations. Without you, our industry will no longer exist! Ed Galloway, APA, CIPA [email protected]

2011 PREMIUM AUDIT SELECT (As of January 15, 2011) Benefactor ($4,000)

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Newsline • Winter 2011 • www.nsipa.org • PAGE 3 Regional News

IAASW Presentation; USL & H Determination; Uncasville, Submitted by Kelly Crowell Money Laundering (DEA Agent- Connecticut, for The Southwest region held an all-day Presenting); Quarterly Tax Reports (What Is the meeting site, in seminar at the University of Texas Club in Included/Excluded); How Are Auditors Stptember 2011 so keep your eye on the Austin on January 28, 2011. The next Perceived (Policy Holders; Underwriters & website for further details. seminar will be planned in the coming Agents); Non-Compliance Audits: A Have you seen the new NRIAA website? months. Also, see the NSIPA website Forensic View; Liability Panel; and The Website Committee has done a great for updates on local chapters in QuickBooks-Overview Current Version. job with the site and all it has to offer. the Southwest. There are articles on the insurance IAASE industry, a listing of all the NRIAA Chapters The current 2010/2011 IAASW officers are: Submitted by Juanita Lindsay President – Penny Martin as well as links to the NSIPA website. Check The IAASE will hold their 2011 seminar it out today – www.nriaa.org . Executive Vice President – Lynn Evans May 22-24 in historic Savannah, Georgia. In First Vice President – Bob Montgomery addition to the charming city of Savannah IAACS Secretary/Treasurer – Saundra Hamel and it’s many sights, it is located Submitted by Tom Terzinski Director – Kelly Kovar approximately 30 miles from Hilton Head Director – Ron Dylong The Insurance Auditors Association of Island with Tybee Island nearby, so there Central States is busy working in Regional Vice President – Kelly Crowell are a multitude of activities for the entire Seminar Venue Committee – Sharon Engle conjunction with NSIPA for the upcoming family. The program promises to include 2011 Annual Seminar to be held in Sponsorship Committee – LaDai Epperson insightful and educational programs as Indianapolis, Indiana, on April 17-19. well as informative speakers – so plan on IAAW joining us in Savannah. The chapter has recently updated all of the Submitted by Dale Sluzewski chapter’s information on the new NSIPA Congratulations to Michel Hall for winning website featuring the current president of The Insurance Auditors Association of the annual Luis Hernandez Auditor of the each chapter, contact information, when Oregon is looking forward to hosting the Year award. Michel is active in the Central local chapter meetings are held, location, 2011 IAAW Annual Conference with the Florida auditors association where she and cost. theme focusing on non-compliance/ serves as delegate to the IAASE along with forensic auditing. Portland is a fantastic serving on the Finance Committee. The The IAACS made a smooth transition from venue and offers a wide array of attractions newsletter article of the year award winner a management company overseeing and distractions that will make your visit a was Joel Parquette of the Louisville, operations to an all-volunteer staff, though memorable experience and has often been Kentucky chapter. we are always looking for additional called the big city with the small town feel. volunteers to assist with the various duties The IAASE is inviting members to add us as It has appeared on numerous lists, and responsibilities. a friend on Facebook. Once you join, you including Online Insider’s “Top 10 Least will be able to connect with the IAASE The 2012 Central States seminar will be Expensive Cities,” Money Magazine’s “Top page, along with people and subjects that held in St Louis, Missouri, and additional 10 Places to Vacation” and “Top 10 Best interest you. details will be announced soon. Places to Live,” and American Style The current 2010/2011 IAACS officers are: Magazine’s “Top 25 Arts Destination.” NRIAA President – Zelda Emery Vice President – Tom Redouty 2011 IAAW Annual Conference Submitted by Rich Nestor The NRIAA fall meeting was held at the Inn Secretary – David Naughton Forensic Auditing: Your Passport to a at Pocono Manor on October 24, 2010. Treasurer – Tom Mertens Successful Conclusion Eight of the ten Chapters were represented Financial Director – Nick Skinner June 26-28 and several key issues were discussed. Director – Bob Davidson The Historic Governor Hotel Director – Rick Kuharik (www.governorhotel.com ) The Annual Meeting will be held in the fall Regional Vice-President – Tom Terzinski Portland, Oregon of 2011 because the Board felt that Database Coordinator – Sue Grover Conference Fee: $199 (subject to change) holding the meeting in the spring was We hope that many of you will be able to Room Rates: $139 to 159 difficult given the conflicts with the national meeting, the PAAS meeting, and join us in Indianapolis this April for what Presentations : Non-Compliant Case Study annual company meetings. The New will be an informative and educational (Wallboard)-Panel Presentation; Economic England Chapter, hosts for the 2011 experience. Overview: Where We Are Now-Panel meeting, has chosen the Mohegan Sun in

PAGE 4 • Newsline • Winter 2011 • www.nsipa.org Executive Director Report NBy Brad L. Feldman, MEPA, IOM, CAE WSline

Starting on December 1, 2010, the National New Website Launched Society of Insurance Premium Auditors The new NSIPA website, www.nsipa.org , (NSIPA) handed the management reigns has been completely revamped and back over to BLF Management Ltd. For hotel reservations, NSIPA has a block of updated with new features. rooms at the Hyatt Regency Indianapolis “The NSIPA board is excited to renew our • Explore the new cleaner, more (www.Indianapolis.Hyatt.com ) at a management with BLF Management and organized tab-based structure discounted group rate of $115 plus tax Brad Feldman. Feldman has been a great for single/double occupancy. Rooms are planner and leader in the past for NSIPA • Search the newly updated, easy-to-use assigned on a first-come, first-served and we look forward to this high standard vendor directory basis and reservations must be made by to continue to be maintained,” said NSIPA • Participate in the new Forums section March 25, 2011, to receive the NSIPA President Ed Galloway, APA, CIPA. where members can collaborate on discounted room rate. Reservations can be made by calling (800) 233-1234 and ask for BLF Management is a full-service problems, share industry tips, or check the block name under National Society of association management company and in with their fellow auditors Insurance Premium Auditors (NSIPA). successfully managed NSIPA for ten years • Read current events and meetings which will serve as a tremendous benefit from local chapters and regions across If you have any questions, please contact for members. We have been working very the country under the Regions tab the Executive Office at (888) 846-7472 or email [email protected]. hard in recent weeks on transitioning The NSIPA website is your portal for event NSIPA back under our leadership. registration, news, and much, much more. Call for Nominations – Betty Gerdes I am extremely grateful and honored that Have a suggestion to improve the website Distinguished Service Award the board has selected to resume our or want to contribute? Let us know at Is there someone you know that relationship with NSIPA, and I am [email protected] . exemplifies NSIPA ethics and standards confident that we will be able to exceed and has worked to further the profession? Sign Up Now for the expectations and meet the needs of Premium Audit Select Nominate your peer for the Betty Gerdes the members and society. I am looking NSIPA is pleased to present to you 2011’s Distinguished Service Award presented at forward to seeing many familiar faces at Premium Audit Select program. We have the annual seminar. the NSIPA’s 2011 Annual Seminar on heard what our participants in the The board members will review and select April 17-19 in Indianapolis. program have said and retooled Select so the nominee that best symbolizes the Here are some of the changes that NSIPA that it is easy to understand for all ideals for the award. Gerdes was a moving members can expect to see in the participants, from the duration of the force behind the Insurance Auditors immediate future from the new program to the benefits offered. Association of the Central States and her Executive Office. Here are just a few new options: local chapter, who mentored many in the society. • The NSIPA website has undergone a • Select will be renewing on a calendar complete re-launch with new year instead of a July 1 fiscal year. information and features. Deadline is March 1, 2011. To nominate • Rotating acknowledgment of your someone you know, go to the NSIPA • Expect increased communication with company as a Select participant on the website, click on the About tab, then members and a high level of customer NSIPA website. the Awards option to find the service from the Executive Office. • Ability to advertise in 2- or 4-color for online application. • New online communication forum for each issue of Newsline . networking with other members. PAID ADVERTISEMENT • Exclusive banner advertisement on • A new Premium Audit Select program NSIPA’s new online discussion forum. is available to members. To learn more, visit the website at Members should be aware that some of www.nsipa.org . the contact information has changed: Plan to Attend 2011 NSIPA & IAACS NSIPA Executive Office Contact Annual Seminar Information Please see the enclosed seminar brochure Telephone: (888) 846-7472 www.apaaudit.com and registration information for 2011 Fax: (877) 835-5709 NSIPA Annual Seminar on April 17-19, in P.O. Box 936 • Columbus, OH 43216-0936 Indianapolis, IN. www.nsipa.org • [email protected]

Newsline • Winter 2011 • www.nsipa.org • PAGE 5 NSIPA Statement of Activities 2009-2010 (July 1, 2009-June 30, 2010)

ORDINARY INCOME/EXPENSE Monday PM Break ...... 3,627.69 Tuesday Breakfast ...... 3,217.50 INCOME Tuesday Lunch ...... 3,811.95 MEMBERSHIP Food & Beverage Credit ...... (737.41) NSIPA Statement of Financial Position as of Regular Member Dues ...... 35,907.25 Special Activities-First June 30, 2010 Lifetime Member Dues ...... 360.00 Time Attendee ...... 370.39 ASSETS CIPA/CPD Fees ...... 350.00 Audiovisual Equipment ...... 6,028.86 Bank of Blue Valley Sweep . . . . . $20,695.82 Total MEMBERSHIP ...... 36,617.25 Brochure/Program ...... 2,928.14 Certificates of Deposit ...... 29,750.00 Copies ...... 148.90 ANNUAL SEMINAR Binder/Inserts ...... 1,142.28 Total CHECKING/SAVINGS . . . . 50,445.82 Registration Fees ...... 29,054.00 Management Expense ...... 12,000.00 Accounts Receivable Non-Member Registration . . . . .4,908.00 Postage/Shipping/Faxes ...... 852.35 General ...... 2,136.25 Spouse/Guest ...... 1,080.00 Staff Travel ...... 831.77 Accrued Interest Events - Golf Outing ...... 1,881.00 Conference Calls ...... 281.06 Receivable ...... 562.28 Hotel Rebate ...... 1,512.38 Registration Supplies ...... 1,999.28 Total ACCOUNTS Exhibitor Fees ...... 7,815.75 Golf Outing ...... 1,841.06 RECEIVABLE ...... 2,698.53 Sponsorship ...... 7,755.00 Pre Seminar Site Visit ...... 471.43 Program Advertising ...... 4,641.25 Total SEMINAR EXPENSES . . 62,870.44 Prepaid Expenses-General ...... 636.00 Prior Year Annual Seminar ...... (707.69) Prepaid Expenses- Total ANNUAL SEMINAR . . . .57,939.69 PR/COMMUNICATIONS Future Seminar ...... 194.00 Website Management ...... 967.83 Total OTHER ASSETS ...... 830.00 PR/COMMUNICATION Newsline ...... 10,811.91 Website Banner Ads ...... 6,110.00 Exhibits/Displays ...... 394.00 TOTAL ASSETS ...... $53,974.35 Website Job Postings ...... 4,833.75 NSIPA Brochure ...... 11.44 LIABILITIES AND EQUITY Website Vendor Page ...... 4,743.25 Total PR/COMMUNICATIONS Accounts Payable ...... $220.45 Newsline Advertising ...... 5,494.33 EXPENSES ...... 12,185.18 Total ACCOUNTS PAYABLE ...... 220.45 Books/Tapes/Manuals ...... 143.00 Governance E-News Sponsorship ...... 59.50 Deferred Income-General ...... 4,278.25 Board Meetings ...... 1,729.65 Teleseminar Sponsorship ...... 85.00 Deferred Income-Dues ...... 25,430.00 Elections ...... 800.00 Teleseminar CDs ...... 200.00 Total Other Liabilities ...... 29,708.25 D&O Liability Insurance ...... 1,349.00 Total PR/COMMUNICATIONS . . 21,668.83 Total CURRENT LIABILITIES . . . . . 29,928.70 Total GOVERNANCE OTHER REVENUE EXPENSES ...... 3,878.65 Unrestricted Net Assets ...... 54,026.54 Interest ...... 686.15 Net Income Loss ...... (29,980.89) Administration Total NET ASSETS ...... 24,045.65 Total OTHER REVENUE ...... 686.15 Office Technology ...... 6,264.09 TOTAL INCOME ...... $116,911.92 Management Fees ...... 49,800.00 TOTAL LIABILITIES Conference Calls ...... 155.07 AND EQUITY ...... $53,974.35 EXPENSES Telephone/Fax ...... 152.21 MEMBERSHIP EXPENSES Postage and Delivery ...... 194.61 Copies ...... 40.38 Printing & Reproduction ...... 1,831.93 Postage ...... 708.23 Bank Service Charges ...... 89.35 PAID ADVERTISEMENT Printing\Desktop Publishing . . . . . 308.42 Merchant Fees ...... 3,148.94 Honors & Awards ...... 840.04 Accounting Fees ...... 1,435.32 Library ...... 72.95 Legal Fees ...... 115.00 Total MEMBERSHIP Insurance ...... 500.00 EXPENSES ...... 1,970.02 Unrelated Business Income Tax ...... 2,302.00 www.1888crowell.com SEMINAR EXPENSES Total ADMINISTRATION Speaker Fees/Expenses ...... 2,682.54 EXPENSES ...... 65,988.52 Sunday Reception ...... 5,498.05 Special Event-Wildhorse Saloon . . 11,632.94 TOTAL EXPENSES ...... $146,892.81 Monday AM Break ...... 106.56 EXCESS EXPENSES PAID OVER Monday Lunch ...... 4,135.10 REVENUES COLLECTED ...... ($29,980.89)

PAGE 6 • Newsline • Winter 2011 • www.nsipa.org 100 Year History of Workers’ Compensation NBy Scott B. Miller, CPCEU, CIPA, APA WSline

The history of compensation for bodily • Sometimes employer did not have injury begins shortly after the advent of the resources to pay written history itself 1. • Employers properties were attached York adopted a workmen’s compensation The Nippur Tablet No. 3191 from ancient • Employers liability policies grew act which was compulsory for certain Sumeria in the Fertile Crescent outlines the expensive hazardous jobs and optional for others. law of Ur-Nammu, king of the city-state of • Courts began to disallow common However, this was later ruled Ur, which dates back to approximately 2050 unconstitutional. BC 2. The law of Ur provided monetary law defenses compensation for specific injury to workers’ The first “workmen’s” compensation law body parts. The code of Hammurabi from As Europe, and then the United States, passed in the United States was the Federal 1750 BC provided a similar set of rewards became more industrialized, so did the Employer’s Liability Act passed in 1908 at for specific injuries and their implied problem of using a tort system that was the urging of U.S. President Theodore permanent impairments. better designed for an agrarian economy. Roosevelt. He pointed out to Congress that “the burden of an accident fell upon the Ancient Greek, Roman, Arab, and Chinese Oddly, rather than heavy industry, it was the garment industry in the New York and New helpless man, his wife and children” and law provided sets of compensation that this was “an outrage.” schedules, with precise payments for the Jersey area that brought attention to the loss of a body part. For example, under plight of the injured worker. Previously The states soon took up the WC banner and ancient Arab law, loss of a joint of the making Union uniforms during the Civil made 1911 the most significant year in the thumb was worth one-half the value of a War, this industry converted rapidly to the history of Workers’ Compensation in finger, and the value of an ear was based on manufacturing of clothing for civilian wear America. Wisconsin was the first state to its surface area 3. after the war ended. These “sweatshops” adopt a workmen’s compensation law that became the target for the earliest litigation was to remain under debate for many All the early compensation schemes on behalf of injured workers who were weeks. Passed on May 3, 1911 to take effect consisted of “schedules” such as this – usually paid nothing if they were injured on September 1, 1911, the employers lobbied specific injuries determined specific the job. the state legislator for what is now known rewards. The concept of an “impairment” as the Great Trade Off. (the loss of function of a body part) Between 1855 and 1907, prior to the separate from a “disability” (the loss of the passage of the first genuine Workers’ Through this legislation, the employer ability to perform specific tasks or jobs) had Compensation (WC) act, 26 states passed agreed to provide medical and indemnity not yet arisen. Even eighteenth-century employer liability acts based on the theory (wage replacement) benefits and the pirates employed a compensation scheme that an employee must bear his own injured employee agreed to give up his/her for crew members that compensated them economic loss. However, these brought little right to sue the employer. In this same year for the loss of body parts, provided the relief to the situation so several states tried – 1911 – nine more states enacted injured party lived. to implement pieces of what we now workmen’s compensation laws – Nevada, consider Workers’ Compensation, but these New Jersey, California, Washington, Kansas, Given the U.S. legal system evolved from were largely ruled unconstitutional or at New Hampshire, Ohio, Illinois, and the English legal system, the only remedy to least impractical. Massachusetts. Four more states adopted an injured employee was based in tort. The laws in 1912, and eight more passed laws in injured party had to prove negligence on 1913. By 1948, every state had at least some the part of the employer to receive any The “Three Wicked Sisters” defenses available to employers: form of workman’s compensation in effect compensation. The difficulties in this system including Alaska and Hawaii. were becoming evident in the United 1. The employee had to prove States, but it was Germany and England negligence Employers responded quickly to the new law even though it was not compulsory that acted first. In Germany, Otto Bismarck, 2. A fellow employee caused the injury known as the Iron Chancellor, introduced a until 1932. On September 1, 1911, the date compulsory plan in 1881, which was 3. The employee assumed the risk the law became fully effective, a mutual enacted in stages and finalized in 1884. It is by taking the job insurance company began operations in a the model for our present system. In 1897, one room office in downtown Wausau. The England repealed the employer’s liability The adoption of WC laws did not happen company, formed by a group of central act of 1880 and replaced it with a overnight or without a gradual diminution Wisconsin businessmen (The Wausau workmen’s compensation act. of the employers common law defenses Group) as a means of meeting their known euphemistically as the “Three responsibilities under the new law, became Problems of tort-based compensation system: Wicked Sisters.” Gradually, judgments were known throughout the world as Employers rendered in favor of the worker at a steadily Insurance of Wausau. The purchaser of the • Lawyers collected a large part of first policy issued by the fledgling insurance system costs increasing rate. By 1908, the workers were winning in nearly 15 percent of all cases. company was Wausau Sulphate Fibre • Courts were backlogged The American concept of workmen’s Company of Mosinee, now known as • Injured workers had to prove compensation was based on Germany and Wausau Paper. The policy is recognized as negligence by the employer England’s philosophy, that industry is the nation’s first valid Workers’ Compensation insurance policy. • Awards arrived too late to help responsible for the costs of injuries inherent workers families in industrial occupations. For instance, New continued on page 8 Newsline • Winter 2011 • www.nsipa.org • PAGE 7 100 Year History of Workers’ Compensation, cont. By Scott B. Miller, CPCU, CIPA, APA

Wisconsin insurers, like Employers across the states. These inconsistencies Insurance of Wausau and Sentry Insurance, were more tolerable in an era with fewer eventually became giants in this line of multi-state operations by a given firm, less insurance. These first Workers’ cross border migration of workers, and Even now we are witnessing a societal Compensation insurers were mutual huge wage and employment differences discussion and Congressional debates on companies, i.e., they were owned by their across the states. However, the disparate the appropriateness of a social program in policyholders. This seemed to go a long nature of state laws has drawn sharp health care coverage. One can already see way in relieving the concerns of many criticism by labor unions and academics. parallels between WC as the first social insurance program and the current health Wisconsin employers over the alleged In its defense, unlike other social insurance unreasonable defenses against claims care debate. What will be written about the programs controlled at the federal level, no current debate in 100 years? that had been used by stock insurers state Workers’ Compensation system runs a headquartered in Connecticut significant deficit, or is in risk of defaulting Scott Miller is the editor of NSIPA Newsline as and New York. or reducing future benefits because of fiscal well as the director of premium audit services After 100 years, the system works shortfalls. The unique state-base application at Acadia Insurance Co. remarkably well in most states. For example, of Workers’ Compensation will continue to in Wisconsin nearly 120,000 medical and draw criticism and support in the years References wage loss claims are received annually by ahead. Judging by the major evolution that 1. Louis, D. S. Evolving concerns relating to employers or their insurer. Greater than 99 has occurred within state laws, and the occupational disorders of the upper percent are accepted and paid in weeks. convergence on some governing principles, extremity. Clin Orthop Rel Res. There is very little legal dispute about what there is a good chance that state systems 1990;254:140–143. should be paid or who is responsible for the will continue to evolve in such a way 2. Kramer, S. N. History Begins at Sumer. claim. Prompt payment of claims is perhaps that benefits and their administration London: Thames and Hudson; 1958, p. 93. the greatest testament to the design of the are harmonized enough to forestall historic legislation. federal preemption. 3. Geerts, A., Kornblith, B., Urmson, J. Compensation for Bodily Harm. Brussels: Recall that Workers’ Compensation was the Only time will tell if convergence will Fernand Nathan; 1977, pp. 7–211. first form of social insurance in American harmonize and strengthen state Workers’ history with a countrywide scope. The state- Compensation, or if Workers’ Compensation based development of these laws will be to some degree federalized like predictably generated wide differences in disability insurance or unemployment coverage, benefits, and administration insurance.

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PAGE 8 • Newsline • Winter 2011 • www.nsipa.org PAID ADVERTISEMENT On the Road: Eating Healthy and Staying Fit on the Road NBy Pattie StechschEulte WSline

This will be the first in a series of four articles as oatmeal, fresh fruit, and nuts. “Even focused on providing helpful advice to if you are going somewhere that is business travelers who are living in their cars offering breakfast, starting your day and doing business out of their hotel rooms with what you know is already hotels provide something. If they don’t, go – the essential NSIPA Road Warrior. healthy, is a great way to set you up for a walk or find the staircase and walk up for a successful day,” she said. and down – just to get the heart rate up When business travelers take to the road, and the blood pumping,” he said. their minds are usually focused on the • Downsize your meal size. Don’t order business side of their trip, not on the meal deals, see if there is an option of For strength training, he recommends personal side. Many times, they end up a soup and a salad or a salad and an buying a set of therabands or exercise eating a quick, greasy burger from a fast appetizer that is not fried. cords that are very compact that can easily food restaurant before dropping on their fit into your luggage, and they can provide • Think about how your meat or food is a total body workout. hotel bed after a long day spent at audits. cooked – avoid breaded, go with They end up coming home from their trips grilled or baked chicken, lean steak, with extra weight from eating poorly and or fish. probably tired from skipping their usual workouts. • Side swap those cheesy potatoes for a healthier option like a salad, cup of Top Ten Healthiest Choices at Fast With a little planning and discipline, even vegetable soup, or fruit salad. Food Restaurants the most stubborn and busiest road • Look for the hidden fats like cheese, Based on an extensive survey conducted warriors can maintain a diet and of the largest 100 fast food chains, exercise routine. mayo, special sauces, sour cream, and dressing. These can rack up hundreds nutrition experts with Health magazine of calories. recently developed the following list of Healthy Choices From the Menu the top ten restaurants along with some • Watch what you are drinking – stick to samples of their healthy menu choices. It is unrealistic to believe that you must water with a twist or unsweetened ice avoid all fast food stops on your travels, tea. Sodas and lemonades are not a • Panera Bread: Combo of half of a but there are many tips that can help you great idea because they contain a lot Turkey Artichoke on focaccia bread make better choices that don’t add to your of calories and sugars. sandwich with a bowl of black bean or garden vegetable soup. waistline. It is just a matter of common • If you are going on a quick one or two sense and planning ahead. day trip, consider packing yourself • Jason’s Deli: Organic whole-wheat “Traveling doesn’t necessarily have to some healthy snacks that can be kept wraps and Nutty Mixed-Up Salad mean unhealthy. With a little preparation cold in a small cooler in the car. • Au Bon Pain: Jamaican Black Bean and forethought, you can make changes to and Fire Roasted Exotic Grains and your travel eating and exercise routine Vegetables Soups Working Out On the Road that can energize you as well as promote • Noodles and Company: Whole-grain optimal health so you can do successful Another problem for many road warriors is linguine business,” said Dawn Blatner, RD, keeping to a fitness routine when you are spokesperson for the American on the road. Just because travelers are • Corner Bakery Café: Farmer’s Dietetic Association. comfortably settled into a hotel room, Scrambler and Swiss oatmeal The majority of fast food choices are bad it does not mean you have to forego • Chipotle: Burrito Bowls because they are low in nutrition and high a workout. • Atlanta Bread: Salsa Fresca Salmon in trans-fat, saturated fat, sodium, and “The more exercise you do, the more Salad calories. Many chains are starting to offer blood you pump to the brain. You are • McDonalds: Grilled chicken classic healthy menu items so there are options more alert, you can think clearer and be sandwich, Snack Wraps, Egg Mc that can help those watching their weight more productive,” explained Mark Mayes, Muffin, Apple Dippers, and salad or those that have special dietary personal trainer from Columbus-based with Paul Newman low-fat balsamic concerns such as diabetes, heart health, Fitness Resources. vinaigrette or weight loss. Mayes often recommends to his travelling • Einstein Bros. Bagels: Veg out Blatner has a few recommendations for clients to do a variety of cardio and sandwich on a sesame seed bagel business travelers: strength training exercises while on the • Taco Del Mar: Mondito-size burrito • Arrange for automatic breakfast road. “You can do it fairly easily on the deliveries of a healthy breakfast such road. Most places have equipment where you can walk or bike, even the smaller continued on page 12

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Newsline • Winter 2011 • www.nsipa.org • PAGE 11 On the Road: Eating Healthy and Staying Fit on the Road, cont. By Pattie Stechschulte

For many travelers stuck in a hotel with no Ordering Tips fitness center or equipment, there are Here are some suggestions to keep in many exercises that can be done in the mind when you are ordering to help small space of a hotel room. You just have heels, squat down with your back straight keep you on track. to make the commitment to establishing extending your arms in front for balance. Appetizers: go with fresh fruit, raw a routine. • Step four should be ten minutes vegetables, steamed seafood, or soup Here is a suggested basic workout that can devoted to some cardio exercise (not cream based) be completed in about 30 minutes that which could be dancing to some iPod tunes, running in place, kicking knee Eggs: poached or boiled addresses most major muscle groups and requires no workout equipment. ups, or running the stairs. Salads: fresh vegetables (avoid fried • Finish off the workout by doing three toppings) with low-calorie dressing or • Start with some warm up exercises sets of crunches or sit ups. Then end cottage cheese such as jumping jacks or windmills that get the heart rate up and muscles with triceps dips – placing your palms Breads: whole-grain rolls or crackers, loose. Do three sets of ten repetitions behind you on the mattress or dresser, biscuits, tortillas, or breads for about a minute each taking 30 slowly bend at your elbows and lower Potatoes and Substitutes: baked, boiled, second breaks in between. your upper body down to a 90 degree or steamed potatoes or plain rice or angle then back up. • Move on to working your whole body noodles with a series of three sets of push-ups, “A lot of times when you have no exercise Fats: diet margarine, low-calorie salad again taking 30 second breaks and you are eating fatty foods that are dressing, low-fat sour cream, or yogurt between sets. Depending on your very heavy, people feel foggy, cloudy thinking, trouble focusing all of these Vegetables: raw, stewed, or steamed fitness level, either do toe push-ups or start out on your knees. things are because of lack of exercise and Meat, Poultry, and Fish: roasted, baked, not eating right,” said Blatner. “Eating right broiled, or grilled • The next exercise should be five and exercising can help you feel on top of minutes dedicated to squats to work Desserts: fresh fruit or juice, fat-free or your game.” on balance and resistance with low-fat yogurt, or one scoop of ice cream another round of three sets. Standing Pattie Stechschulte is the NSIPA Beverages: water, coffee, tea, low-fat with your feet shoulder width apart communications director as well as the milk, or sugar-free soda and knees bent and weight on your managing editor for NSIPA Newsline .

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PAGE 12 • Newsline • Winter 2011 • www.nsipa.org PAID ADVERTISEMENT NMemberE SpotlighWt: Bruce PaulsonS, APA, ClPCiU ne

Describe your educational background. northwestern Paulson has a Bachelor’s degree in Wisconsin and Business Administration from the northeastern Minnesota. It is a watch for a variety of animals crossing University of Minnesota, an Associate in roads which drivers are reminded of daily Premium Audit, and CPCU designation. wonderful area allowing me to work by road signs such as deer crossing, turkey in a rural and crossing, cow crossing, and moose How did you get involved with crossing. the insurance premium auditing wilderness setting yet working in several profession, particularly with your What do you feel are the major current employer? mid-sized cities. The territory I work is a challenges your industry faces today? I did a short stint in retail business right radius area of 70 to 80 miles from where I Back in the 1980’s there were observations out of college, but after having learned a live, and it works pretty slick. that premium auditors would be without few things from that experience, my goal jobs sometime in the 1990s or early 2000s was to not be in retail. I answered an ad in What types of audits do your company’s because of the fast growth of electronic the newspaper and ended up landing a auditors perform? media. Despite the electronic age, there job as a premium auditor in 1979 with are still field auditors, phone auditors, and Brandanger and Associates. After my initial IPI has physical auditors who, for the most part, complete Workers’ Compensation and others working in the industry to induction into this industry I decided it complete the premium audit process. would be to my short and long term general liability audits. We also have staff benefit to expand my knowledge base. I completing phone audits and voluntary Another observation is the amount of focused on learning my job well along audits along with a solid office support detail required to describe and validate with taking additional courses to expand team entering and reviewing audits. the entity or entities covered by an my understanding. adjustable policy. The insurance carriers Over the time that you’ve been involved and underwriters as well as the bureaus I have, somewhat, circled the premium in your profession, has the industry are looking for better details to justify audit industry. When I was an auditor in changed much? In what ways? classifications on the audit. It is a challenge the early 1980s, I was in the field doing I have been involved either directly or to stay on top of the many rule changes Workers’ Compensation and general and interpretations given that property liability insurance audits commonly indirectly for 32 years. Functionally, we moved from pen and paper using carbon casualty insurance is primarily governed handled by all premium auditors. Then I by each state. Not only are we qualifying became a manager with Brandanger and paper to complete audits to the point today where every audit process – what the carriers require to meet their oversaw the audit staff. After that position needs, we are required to know the most and due to some changes, I ended up entering, completing, and billing – has to be completed on computers. current rules and interpret them correctly taking a job with Travelers Insurance for for the proper application on the policy. three years as a premium audit manager. We continue to advance the movement An opportunity became available locally from a paper format towards a paperless The insured’s themselves are becoming with St. Paul Insurance, so I spent another format. We are scanning policies into the more astute to the insurance audit process ten years as a premium audit manager and computer, so when we go to an audit, and policy information. As they know as a manager of several other instead of walking into the audit site with more, auditors are challenged to respond departments, again broadening my a policy in hand, I am walking into the to questions and to review rules that are understanding of the insurance industry. office with a computer in hand. The applicable to their policy and circumstances. Currently I am with Information Providers computer has all the information in it Inc., (IPI) located in Hopkins, Minn., as a already – the audit request and the information I need to do the audit. What advice would you give to premium auditor. I started with IPI in 2004 someone just entering or preparing to helping grow the premium audit division enter your industry? as a manager for a period of time and What special challenges do you face in chose to return to the field as an auditor. your geographic region that others may Bring their communication skills to the job not encounter? and be prepared to be taught a significant What are your job responsibilities? Probably the most common thing we deal amount of insurance details to competently complete their work. I The past several years, I have been back with in the rural area is weather related. We are challenged with blowing and suggest that new people absorb all of the out in the field conducting premium training and field experiences. Within a audits. I work a territory that is part of drifting snow in the winter. An additional challenge driving through rural areas is to year or so after starting, I suggest they set continued on page 14 Newsline • Winter 2011 • www.nsipa.org • PAGE 13 Member Spotlight: Bruce Paulson, APA, CPCU cont.

up a plan to take on the training and Do you have any unique hobbies or testing to attain their APA and/or CPCU interests? How did you develop that designations to broaden and strengthen interest? their insurance knowledge. I also suggest What are your major goals, both My primary interest is to stay close to my professionally and personally? people get involved with the audit family and especially spend time with our associations from the local group on up to five grandchildren ranging from ages of Professionally I plan to stay current with the national organization which provides one month to five years old. My wonderful the audit world and continue to carry on some wonderful opportunities to network bride Laurie and I love to make time with my field auditing at a high level with others who may have significant available for our grandkids. I enjoy the helping IPI retain a preferred choice as a years of experience or are also new to time spent singing on one of our worship service provider in this industry. Personally this career. teams at our church. And, in order to stay I will continue to take the time to build in shape for the rigors of premium ongoing relationships with my kids and What individuals have influenced your auditing, I enjoy running, cutting and my grandchildren by spending time with professional career? How? chopping wood, and doing other outside them and playing hard with them I was hired into this business by Dennis work to care for our home site as I learn to (grandkids). I will continue to stay Brandanger. He trained and mentored me live in the woods. I have learned why one connected to my church and participate over my early years in this industry. He yells “timber” while felling a tree. They with the worship teams and most provided me a successful beginning as an don’t always land where you intended. importantly, I will continue to grow my 36 auditor but also reflected the keys to year relationship with my wife. managing staff and building a successful If you weren’t in the auditing profession , business. I also had a handful of co- what else would you want to do? Where do you see yourself in 10 years? workers who encouraged me over the If I were to do something else, it would Semi-retired. years as I grew in this business and probably involve learning how to play a traveled between companies. There were guitar and adding that to some of the several individuals I learned from during music time I currently enjoy, knowing my leadership involvement with the there would be no paycheck attached to regional and national auditor associations. this path! PAID ADVERTISEMENT

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PAGE 14 • Newsline • Winter 2011 • www.nsipa.org N2011 AnnEual SemWinar Speakers Sline Insurance Market Impacts on Premium Audit By Matthew T. Ryan, CPCU, CAPM

2011 Annual Seminar The shrinking premium has also put There is positive news, however. Many Presenter additional pressure on the premium audit insurance carriers indicate that their Matthew T. Ryan will present a function at many commercial insurers. In premium audit function is becoming a session entitled “The Current 2007, the average audit dollars identified major part of their customer relationship, State of the Premium Audit per premium audit was near $530 of adding an additional touch point between Industry” on Monday morning. additional premium identified. This has the carrier and the insured. Premium decreased each year with 2010 estimates audits can also lend themselves to of $385 of returned premium per audit. customer retention, as an insured is less To deal with the apparent negative return likely to shop for a new policy when an on investment, many carriers are appropriate premium is being charged. expecting to decrease the number of Even with the large aggregate returned physical audits they conduct, either by premium, it is still expected that in 2010, changing current audit guidelines 44 percent of audits will result in (premium, class code) or selecting the additional premium. Insurers must Current economic conditions, coupled audit type for a policy on a case by continue to audit these policies to avoid with the soft commercial lines market of case basis. missing these opportunities. the past three years, have led to some For Workers’ Compensation, Ward expects As the economy begins to rebound and trying times for many commercial lines to see the number of physical audits exposures increase at insureds, expect to insurance carriers. From 2008 to 2009 decrease from 30 percent of total policies see a renewed focus on the importance of alone, commercial lines carriers saw receiving a physical audit in 2008 to 22 the premium audit function. Workers’ Compensation gross premiums percent of policies receiving a physical Matthew T. Ryan, CPCU, CAPM, is a senior written decrease nearly 18 percent and audit in 2010; for other commercial lines consultant from the Ward Group, Inc., a other commercial lines gross premiums we expect a decrease of physical audits Cincinnati-based management consulting written drop nearly 4 percent. Compared from 12 to 10 percent of all policies firm specializing in the insurance industry. to highs from 2006 and 2007, some receiving a physical audit. Those policies Workers’ Compensation carriers have seen that previously received physical audits are their gross premiums written decrease now being captured via voluntary virtual, close to 50 percent. telephone, and mail audits. Professionalism – What Does it Really Mean By JoDee Curtis, CPA, SPHR

2011 Annual Seminar Ever go to work just wanting to get it over about numbers, rules, or policies for Presenter with? Your phone rings constantly, the “professionals”; implying that those not JoDee Curtis will present a emails keep arriving in your inbox, your considered “professional” were session entitled “Professional coworkers ask you for personal advice, and unprofessional? Communications” on Monday management is sending you away to learn So, the receptionist and the office afternoon. to be more professional? Do you really manager and the HR team and the have time for that … do you have time computer programmer are not to? unprofessional? Don’t get me started as I After spending most of my 25 year career have just a little bit of passion around this in “professional” services firms, I surely topic! know about professionals, right? So, with all that experience and passion, I Unfortunately, I can’t tell you how many can surely teach you what a professional times in those 25 years that someone looks like, right? We can talk about dress, (either within or outside of the firm) asked tone of voice, and proper email and phone continued on page 16 Newsline • Winter 2011 • www.nsipa.org • PAGE 15 2011 Annual Seminar Speakers, cont.

Professionalism –What Does it Really Mean, cont. By JoDee Curtis, CPA, SPHR

etiquette; I can talk all day if you want. But, client on the phone, your supervisor, your At the NSIPA Annual Seminar in April, we’ll can I teach you to care about your co-worker who sits two cubicles away, or talk about image, tone of voice, and proper responsibilities, your clients, and your the mailman – were they professional? Did email and phone etiquette. I can teach you image? I view the opposite of a they have the skills to do their job and did about those; they are the easy parts of professional not as an unprofessional, but they care about your exhibiting professionalism. Mostly, though, as someone who has skills but doesn’t experience/interaction? we’ll think about self respect and caring, CARE … about their image, their company, Now, think about five people who but YOU will have to discover those within their customer, or their coworkers. interacted with you today? Would they yourself and that can be a little more David Maister said in his book, True have described you as professional? Did challenging. Professionalism , “Professionalism is you exhibit the necessary skills and did The difference is attitude, what’s yours? Tell predominantly an attitude, not a set of you represent yourself as caring about the me in April! competencies. “ Think about five people quality of the interaction and the JoDee Curtis, CPA, SPHR, is the owner of you have interacted with today and think experience? You can’t just label yourself as Purple Ink LLC, where she provides training, about whether you would describe them a professional, you have to earn that title coaching, and human resource consulting as professional or not. Whether it is the and hope that others will apply it to you. services to a variety of clients. Starbucks barista at the drive-thru, the Is Your Career in Compliance? By Christopher Ketcham, Ph.D., CPCU, CFP©, CIC, CRM, CISR

2011 Annual Seminar premium auditing have remained constant and knowledge to the table or, ever less Presenter over time. frequently today, be a quick study and Christopher Ketcham will Today’s insurance professional is acquire the knowledge on your own. present a session entitled constantly being challenged to grow as The Time to Audit Your Career? “Time to Audit Your Career? jobs change. The continuing acquisition of Professional Development for Your Future Professional Development additional skills and knowledge is the new seminar is designed to help you for Your Future” reality. Sometimes jobs just disappear. If understand the basic skills required to on Tuesday morning. they do or will, what other opportunities in consider other positions in claims, the industry are you qualified to apply for? underwriting, production, and risk Or maybe your job isn’t disappearing but management. The class will help you learn you want additional challenges. where your skills, knowledge, aptitudes Preparing yourself as a professional in the may provide opportunities in other job insurance industry requires both a breadth categories within the industry or simply to and depth of knowledge in increasing become a more qualified premium auditor. sophistication. Even with aligned skills, you will likely need significant additional knowledge to The industry is changing … has changed. For example, getting by with simple math be a competitive candidate. The different Some remember bureau “crits” of rating has evolved into finance, linear algebra, course offerings from The Institutes will and pricing. Today’s predictive modeling statistics, probabilities, and Monte Carlo be discussed to help you design your develops price levels by individual/entity simulations –things just actuaries and CFOs educational strategy to meet your using rating factors not conceivable even needed to know a few years ago. Both the career goals. ten years ago. Automation and algorithms opportunity and challenge is to look into provide artificial intelligence in self- the future to determine where your career Christopher Ketcham, PhD, CPCU, CFP, CIC, reporting and in claims fraud might evolve. CRM, CISR, is senior director of knowledge identification. resources of the American Institute for CPCU Yet, many companies don’t provide and Insurance Institute of America (the Today’s premium auditor has more tools extensive training and development Institutes). and can do more than even a few years programs to help individuals evolve their ago, even though the objectives of skill. Companies expect you to bring skills

PAGE 16 • Newsline • Winter 2011 • www.nsipa.org Last Word: What Do May 3, the Iron Chancellor, and Your Job Have In Common? NBy Scott B. Miller, CPCEU, CIPA, APA WSline

The answer is Workers’ Compensation movement of the time, and a public that insurance. was growing tired of horrific work-related accidents that left families destitute. On May 3, 2011, Workers’ Compensation In honor of the 100th anniversary of WC (WC) insurance in the United States turns Sometimes referred to as the Great insurance, a commission has been 100 years old. The first modern WC law was Compromise, the law is better known as established to promote its recognition – passed in Wisconsin on that date and it the Great Trade Off. Historically, the real www.workerscomp100.org . At this site, you was fashioned on the German WC law Great Compromise occurred in 1787 can follow the history of Workers’ implemented by Otto Bismarck who was establishing a bicameral national Compensation in a 10-minute video known as the Iron Chancellor. I suspect legislature. The Virginia plan had a single created for the National History Day you have probably performed audits for house with representation based on contest by students at Nimitz High School thousands of WC policies without realizing population only while the New Jersey plan in Houston, Texas. It is very well done. It your benefactor was a nineteenth century had one house based on population and also has a variety of links to articles about German Chancellor. the other house had two seats per state. WC insurance – past, present, and future. However, the Great Trade Off for WC had What impressed me most were the several Most of the time Newsline articles deal factors that had to come together to pass each party give up something in order to get something. with the details of implementing WC the nation’s first WC law. Some of these insurance, so let’s take a few minutes to were the large number of people of Even 100 years later, legislatures and state appreciate it’s in Wisconsin foundation Germanic descent in Wisconsin, courts chief executives are still working out the and origination. People literally died to who were increasingly finding for injured details to this Great Trade Off. bring it to you. workers, bold and persuasive advocates I encourage everyone involved with WC of social insurance, increasing Scott Miller is the editor of NSIPA Newsline insurance to take some time to learn more as well as the director of premium audit industrialization, the growing power about the foundations of their work. of the progressive/socialist services at Acadia Insurance Co.

The Great Trade Off: Who Gave Up What Party Gain Give Up Employer Certainty of Expenses Common Law Defenses Labor Quick Compensation Right to Sue Injured Worker Certainty of Benefits Higher Awards

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Newsline • Winter 2011 • www.nsipa.org • PAGE 17 PAGE 18 • Newsline • Winter 2011 • www.nsipa.org Classifieds

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