Navigating UAA
December 3, 2012
Brenda Vannoy, Sr. Claims Adjuster
What is our mission?
Our mission is to assist the University in achieving its
primary goals of education, research, and service with
minimal disruption from adverse events.
Why We’re
Here…
So you can concentrate
on your mission!
What does “Risk Services”
include?
 Emergency Management
 Risk Management
 Insurance
 Claims
 Environmental Health & Safety
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Risk Management
&
Insurance
5
Risk Management “Red Flags”
 Transportation of people
 Involvement of minors
 Hazardous materials
 Hazardous activities
 Indemnification clauses
 Foreign travel (employees
and student)
 Renting vehicles
For Risk Assessments
Contact...
Doug Markussen
Director, Environmental Health
and Safety/Risk
Management Support
Phone: 786-1386
Office: ULB 109B
Insurance Programs
The University of Alaska is self-insured for
many types of losses
 University-funded
 Claims handled by Risk Services
 All University stakeholders benefit when losses are
reduced or eliminated
Claims
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Claim Handling
 Risk Services licensed claims professionals
 Insurance and self-insurance
 Major lines include:
 Workers’ compensation
 General liability
 Auto
 Property
 Employment practices
 Marine and aviation
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What’s Covered?
University buildings
Other University Property
 $1,000 deductible
 At any location
 No coverage for
employee personal
property
Some limitations and exclusions
 Mysterious
disappearance excluded
 Replacement cost only if
replaced
 Employee personal
property not covered
 Unless authorized by
supervisor in writing
before the loss
 $1,000 deductible
University Vehicles
 $2,500 deductible for damage
 No damage coverage for vehicles over 7 years old
Proof of Auto Liability Insurance
 Must be carried in the
vehicle at all times!
 Proof of University self-
insurance available at the
Risk Services website
 Download and print at
www.alaska.edu/risksafety
Rented vehicles during business
use…
 Coverage if pre-approved by travel authorization or
purchase order
 No coverage for personal use
 $2,500 deductible for damage
 No deductible for liability
What about the rental agency’s
insurance?
 Extra charges for optional insurance not
reimbursed by the University except outside
the United States
 If combining a business and personal trip,
consider whether you need coverage for
the personal portion of the trip
What about my own car?
 No coverage for personal vehicles of
employees when used for work-related
activities
 Employees must carry their own insurance
 Compensation provided through mileage
reimbursement
Alaska Workers’ Compensation
 “No-fault” coverage
 Benefits are mandated
by state law
 Employer pays the cost
 Benefits to employees
for injuries or
occupational conditions
Benefits
 Wage loss
 Temporary total disability (unable to work)
 Temporary partial disability (limited work)
 Medical Care
 Employee may choose the physician
 Prescriptions, doctor’s visits, hospital, x-rays
Medical Benefits
 Treatment required for a work injury is generally
covered at 100%
 Subject to the fee schedule approved by the Alaska
Workers’ Compensation Board
 Some limitations on multiple treatments (i.e., physical
therapy, chiropractic)
 One change of physicians is allowed, with prior notice to
the employer required.
 Medical providers should submit reports and bills to
Risk Services
Time Loss Benefits
 No compensation payable for the first 3 days
 Benefits calculated under state workers’ comp
laws
 Check with HR about when Family Medical
Leave applies
 Special payroll code for WC
 Time off must be physician-authorized.
Workers’ Compensation FAQ
 Report injuries to your campus Environmental
Health & Safety office
 Contact Risk Services Claims about benefits
and payments
 Temporary modified duty benefits everyone
 Communication is key!
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Report Immediately
 Any occurrence resulting in
loss of life or requiring
hospitalization
 Any declared disaster within
the UA system at any
campus or facility
 Any situation requiring the
implementation of
Emergency Operations Plans
or use of public response
agencies
Within 8 Hours
 Property damage or loss
expected to result in a
claim over $10,000
 Any environmental
release that is
reportable to a federal,
state or local regulatory
agency
Within 24 Hours
 All injuries to third parties
(anyone who is not an
employee)
 Employee injuries requiring
a doctor visit or time off
work
 All motor vehicle accidents
involving UA and a third
party
 Any other situation that may
give rise to a claim against
the University
Incident Report
 No claim has been made
 Injuries to non-employees
 Damage to property of
others
 Departmental record of
first aid employee injuries
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OSHA Reporting
To comply with State and
Federal occupational safety
and health requirements,
these categories of work
injuries must be reported to
OSHA within 8 hours:
 Injuries requiring
hospitalization
Call UAA Environmental
Health & Safety
786-1386 or 786-1351
(or UPD Dispatch if after hours)
 Injuries resulting in death
Risk Services Offices
 Fairbanks
Claims from Fairbanks and
Northern Campuses, Kuskokwim,
and Bristol Bay
 Anchorage
Claims from Anchorage and
Southcentral Campuses,
Southeastern Campuses
…with some geographic
exceptions
Contact Us
Risk Services
1815 Bragaw Street, Ste. 206
Anchorage, AK 99517
Phone (907) 786-1140
Fax (907) 786-1412
www.alaska.edu/risksafety
ua-insurance@alaska.edu
Your Turn
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