LSH attorneys named to MN leadership roles

Two attorneys from SFM’s in-house law firm have taken up leadership roles in the Minnesota legal community.

Jessica Stoeckman, JD, Defense Counsel, was named co-chair of the Minnesota Defense Lawyers Association Workers’ Compensation Committee. Her role includes organizing meetings for member defense attorneys. She also acts as a liaison between members and other interested parties, such as the Department of Labor and Industry and the workers’ compensation division at the Office of Administrative Hearings.

Peter Lindquist, JD, Defense Counsel, was named to the Minnesota Defense Lawyers Association Workers’ Compensation Legislative Policy Subcommittee. His role involves meeting with other members of the association to discuss insurance and defense focused proposals for new legislation and rulemaking changes. He and other members also represent those ideas in discussions with the Minnesota Association for Justice and with Department of Labor and Industry workgroups.

 

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LSH attorneys look back at 2021, celebrate performance

The attorneys of SFM’s in-house law firm compiled a win/loss record of almost 80% (15-4) in 2021 for hearings at the Office of Administrative Hearings in St. Paul, Minn.

In terms of workers’ compensation case law, the legal team saw some significant cases come down from the Minnesota Supreme Court in 2021. The Musta v. Mendota Heights Dental Center and the Bierbach v. Digger’s Polaris decisions that came down in October found that insurers do not have to reimburse for medical cannabis. The attorneys representing the injured workers in these cases have appealed the decisions to the United States Supreme Court and the court is looking at these cases. It is LSH attorneys’ understanding that they have invited the Biden administration to submit a brief on the issue. Stay tuned to future issues of the Agent Agenda for updates on these cases.

In another important decision, the Minnesota Supreme Court provided clarification to the “rare exceptions” rule provided for in the Minnesota Treatment Parameters. In two separate cases, Leuthard v. Independent School District 912 (April 2021) and Johnson v. Darchucks decision (August 2021) the court provided necessary guidance as to when a rare exception will be allowed. In the Leuthard v. Independent School District 912 decision, the Court stated that the employee must raise the rare exception at the hearing and present evidence as to why a rare exception should be granted.

The Court then went further in the Johnson v. Darchucks decision finding that the rare exception is reserved for “exceptional circumstances” that the drafters of the parameters did not anticipate. The injured worker must establish justification as to why the treatment parameters are not being followed.

These are all important decisions as we continue to review and litigate issues associated with the treatment parameters.

 

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SFM Foundation to host annual golf fundraisers in MN, IA

For over a dozen years, the SFM Foundation’s annual golf tournaments have been the charity’s top source for fundraising. These gatherings have turned into one of the highlights of the season for Foundation supporters. In 2022, the Foundation is hosting events in both Minnesota and Iowa, and SFM’s agency partners are invited to join the fun.

The Iowa event comes first this year, to be held at Hyperion Field Club in Johnston on Monday, May 23, 2022. The Minnesota event is scheduled for Monday, June 13, 2022, at Prestwick Golf Club in Woodbury.

Space at both events is limited, and these dates are right around the corner. To learn more about registration or sponsoring the events, visit sfmfoundation.com .

Funds raised at these events go toward scholarships for students whose parents were seriously injured or killed while working for Minnesota or Iowa employers.

About the SFM Foundation

The SFM Foundation was created in 2008 by SFM Companies. SFM Foundation is dedicated to easing the burdens on families affected by workplace accidents. Since its inception, the Foundation has awarded 203 scholarships totaling $2.8 million. For more information, visit sfmfoundation.com .

SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota.

 

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WCRA announces surplus redistribution, Minnesota insurers and policyholders to receive $600 million

The Minnesota Workers’ Compensation Reinsurance Association (WCRA) has announced a $600 million surplus distribution to its members and insurer policyholders. Approximately $383 million will go to workers’ compensation insurers, $182 million will be distributed to self-insurers, and $35 million will go to policyholders.

Details about the distribution process are available on a dedicated website set up by the WCRA .

About the WCRA

The WCRA is a quasi-public, nonprofit association that provides reinsurance for all insurance companies and self-insured employers licensed to provide workers’ compensation in Minnesota. To learn more about the organization, visit wcra.biz .

 

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SFM leaders receive promotions

SFM recently promoted several of the organization’s leaders to the role of Vice President.

According to Senior Vice President & Chief Business Officer Steve Sandilla, they have all exhibited exceptional leadership skills and demonstrated 100% commitment to their teams. Year after year, each of them has led their teams and managed their business units to produce consistently excellent results.

Dennis Logstrom has been promoted to Vice President of Small Business.

Logstrom has led the Small Business Accounts Team since 2005.

“Under Dennis’ oversight, the Small Business Team has seen tremendous growth in premium, policy count and state expansion,” said Sandilla. “He is the epitome of a team player always willing to help when needed.”

 

Debra Zorn has been promoted to Vice President of Regional Business. Zorn has led the Middle Market North/Metro Accounts Team since 2016.

“The North/Metro Accounts Team has seen excellent growth and continues to manage our two largest agency partners under Deb’s leadership,” said Sandilla. “The team has had a lot of new faces since 2016 and Deb has worked tirelessly to make sure the SFM culture runs through the North/Metro Accounts Team. She doesn’t hesitate to challenge the status quo and always looks for ways SFM can improve.”

 

Mark Arrington has been promoted to Vice President of Regional Business. Arrington has led the Middle Market South/Metro Accounts Team since 2005.

“During this time, the South/Metro Accounts Team has also seen good growth and has led our expansion into South Dakota under Arrington’s direction,” said Sandilla. “Mark also has oversight of one of our top three agency partners. He continues to lead by example and is always looking for ways that he and his team can exceed customer expectations.”

 

Nick Marino has been promoted to Vice President of Regional Business. Marino has led the Wisconsin Business Team since 2008.

“Wisconsin is SFM’s second largest state and continues to be a very challenging and competitive workers’ compensation market,” said Sandilla. “Under Nick’s leadership, the team has profitably grown SFM’s premium and policy count, relying on exceptional customer service. He has created an environment that promotes ideas and innovation that has led to several successful niche business opportunities and growth for SFM.”

 

Shawn Miner has been promoted to Vice President of Regional Business. Miner has led the Iowa/Nebraska Team since 2013.

“The Iowa/Nebraska Team has continued to be a growth engine for SFM,” said Sandilla. “Shawn also successfully led our expansion into Kansas. Because of the business growth, the team has had to add several new employees all while maintaining a very high level of service under his leadership. He is the definition of a servant leader and knows what it takes to build a winning team.”

Congratulations to these exemplary leaders on their well-deserved promotions.

 

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How hobbies can improve mental health and overall well-being

We all know the saying “an apple a day keeps the doctor away.”

Just as eating fruits and vegetables can play an important role in physical health, research suggests there may be a similarly simple way to improve mental health – having a hobby.

At a time when managers and employees alike may be struggling with their mental health, hobbies can provide a fun way to beat the blues.

The science behind hobbies as mood-boosters

Hobbies can make us feel happier and more relaxed, and studies have shown that people who participate in hobbies suffer less from low moods, depression, and stress. Whether you enjoy athletics, creative endeavors, or academic hobbies, the result is the same if you find the activity meaningful and enjoyable.

That’s because hobbies trigger the brain’s natural reward system, according to The Conversation . If you treat yourself to a hobby you enjoy, it sets off your brain’s pleasure sensors, releasing chemicals that make you feel happy or content. In turn, these chemicals can increase your motivation to continue.

The hobbies you choose can provide you additional benefits. Physical activities can improve brain function and increase physical fitness, both of which have been linked to better moods and stress relief. Hobbies that require coordination or dexterity will tune up your motor skills. Examples include knitting, drawing, playing video games, and woodworking. You may improve memory by learning a language, taking up tai chi, doing a crossword puzzle, and reading, just to name a few.

Where to begin in the search for a hobby

If you don’t have a hobby in mind already, don’t worry. Exploring your options can be fun. Here are some ideas for hobbies you can take up to maintain good mental health:

  • Attend a photography class at your local technical college or just go out and take pictures of things you like. Experiment with photography techniques and different angles of a single subject. Use the time to observe things around you and try to see objects or people from new perspectives.
  • Attempt a new recipe in the kitchen, attend a cooking class, or teach yourself to bake. The obvious benefit is that these hobbies result in something tasty (which triggers your brain to release feel-good chemicals making you feel happy), but they also require your focus on the recipe which can take your mind off the negative. Cooking can be a stress reliever and the joy of accomplishing what you started, or providing for family and friends, can build self-esteem.
  • Start hiking and explore state and county parks near you. This form of exercise also gives you a dose of nature which can be both mood-boosting and calming. If you solo hike, you can use the time to practice mindfulness while taking in the sights around you.
  • Take lessons to learn a musical instrument. Playing a musical instrument can relieve stress for many people and is an outlet for creativity or emotions. Plus, experts say setting a goal to learn an instrument and achieving it can help boost your confidence.
  • Try gardening or growing indoor potted plants. This hobby is optimistic by nature because only time and care will help plants grow, and it can come with a sense of pride from working with your hands and succeeding in what you try.
  • Join a community recreational league like softball, basketball, badminton, or pickleball. You’ll reap the benefits of physical exercise and social interaction with others. There’s a bonus if you laugh and chat with your teammates because both can be good for your mental health.
  • Sign up for dance lessons or go to Zumba classes. You can express yourself in a different way through dance, get a fun workout in, and you might even meet new friends at class. Listening to upbeat music is also an effective way to lift your mood.

Trying new hobbies keeps your mind active and healthy, and these are just a handful of suggestions to get you started. Ask your coworkers what they do for fun, and you’ll probably hear some other great ideas.

Get to know an SFM loss prevention specialist: Jason Clausen

SFM Loss Prevention Specialist Jason Clausen hopes employers he works with will see him not as a safety inspector, but as a safety champion and business partner.

This means he often includes the bottom-line benefits of safety in conversations with employers.

“We talk a lot about your experience mod and how preventing injuries over the long haul means you’re going to pay less of a workers’ compensation premium,” Clausen said.

Clausen has been a safety professional with SFM since 2012, and he serves employers in Iowa. His days involve everything from providing consultation on a safety program to visiting a workplace after a bad claim to attending a safety committee meeting.

Over time, he hopes the employers he works with will grow to trust him enough to come to him when they need something.

“We pride ourselves on being very accessible and easy to get a hold of,” he said. “I want customers to know they can call us with a question and expect a timely response.”

Clausen is also proud to play a role in SFM’s team-based approach to account management, where safety professionals, claims representatives, attorneys, underwriters and medical professionals work together to provide holistic service and solutions for customers.

“At the end of the day, I find it pretty satisfying to know that I’ve done something to help an insured, and that’s a team effort,” Clausen said. “That’s the collaborative, non-siloed SFM way where you’re talking to a claims rep or you’re talking to counsel, and you’re giving rock solid, real-time advice.”

Clausen is based in Waukee, Iowa, where he lives with his wife, two children, and dog. A veteran of both the Navy and Iowa Army National Guard, he now serves as a Dallas County Reserve Deputy Sheriff. He enjoys hunting, fishing and scuba diving.

 

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Fostering good relationships among employees

On average, employees will spend a third of their lives at work, so it’s safe to say their jobs have a huge impact on their quality of life. That means it’s important to ensure their time is spent in an organization where they can have healthy relationships with their colleagues. Those positive relationships are good for employees and good for your organization.

3 aspects of good employee relationships

Communication, teamwork and trust are the three hallmarks of good employee relationships.

  1. Open communication is the first step toward a positive working relationship. It occurs when all individuals can express ideas to one another, or have a debate, in a constructive way.
  2. Individuals looking to build strong working relationships should perform well in a team setting. They do their fair share of the work and give praise when others do well.
  3. Feeling like you can rely on your coworkers, and in turn are trusted by them, is an important part of building a workplace relationship. Trust is reciprocal, so having confidence in a coworker first is a great step toward gaining their trust in return.

Employees who identify as having good relationships with their coworkers tend to be more committed, productive, and satisfied at work.

How to encourage workplace relationship building

An employee’s sense of belonging to their team, department, and the company arises from good interpersonal working relationships. How can you help foster good working relationships among employees? Here are a few suggestions:

  • Help them establish relationships from day one
    There’s no better time than the on-boarding process to help new employees establish good working relationships. Arrange for new employees to meet with individuals throughout the company to learn more about the organization, and consider having them job shadow with others in similar roles.
  • Make time in your workday to have small talk and encourage occasional chatter among your direct reports. If you’re working remotely, take advantage of technology to make that happen.
    Whether interactions take place in-person, over the phone, or in a virtual meeting platform, they have the same impact – social connections build trust and friendships, both of which contribute to great working relationships.
  • Include fun activities in team meetings or schedule regular team outings.
    Earmarking space for coworkers to relax and enjoy each other’s company is good for relationship building. The activity doesn’t have to take up much time, but the addition of non-work-related fun can have a positive effect on a group. Trivia, Word Scrambler, 3 truths and a lie, Scattergories and Charades are just a few ideas for games to help conversation flow among coworkers.
  • Schedule company-wide events that bring departments together to intermingle.
    Giving employees the opportunity to interact with coworkers from different departments helps establish company-wide relationships and promotes collaboration.
  • Support the creation of committees that plan special events or groups related to certain interests.
    Not only will the members of the committee bond while spending time together planning, but their efforts can bring individuals with similar interests together for an activity. Some ideas for committees or groups include: a community involvement or volunteer committee, a company outing committee to help plan company-wide events, a book or reading club, or a sports club, like running, walking, pickleball, basketball, etc.

These are just a few ways to strengthen relationships among employees.

Whether through in-person or virtual means, most everyone can benefit from cultivating good relationships with their coworkers.

Artificial intelligence-powered tool helps prevent pain and strain

SFM’s loss prevention representatives can put away their protractors.

They’re now measuring ergonomics with help from an artificial intelligence-powered app that can deliver assessment results in minutes.

The technology can most benefit employers with job tasks that involve material handling or repetition — the types of tasks that can lead to serious musculoskeletal disorders if done improperly.

Using the tool, loss prevention representatives can quickly identify any high-risk body positions during the course of a job task.

“It’s an exciting advancement in our ability to efficiently evaluate workplace ergonomics,” said SFM Loss Prevention Technical Leader Lee Wendel. “Policyholders appreciate that we can identify risks and recommend ways to make the work safer all within one day.”

How it works

To use the tool, loss prevention representatives simply take a short video of an employee working, and upload it.

That’s when the AI kicks in to evaluate the risk level of the worker’s body position using longtime, proven tools such as the Rapid Entire Body Assessment (REBA).

It then returns back the video with the worker’s skeletal position highlighted in red, yellow or green, based on risk.

The technology was designed with privacy in mind — employee faces can be blacked out and backgrounds blurred.

The software can do in minutes, what would have taken a safety professional hours to do by hand.

Once the results are back, the loss prevention representative can report the areas of concern to the policyholder and suggest ways to make the job safer. Sometimes simple adjustments to the workstation can solve the issues, and sometimes bigger changes, such as automation, are recommended.

Preventing injuries before they start

For certain employers, the AI tool will be a big help in taking injury prevention efforts to the next level.

“We’re excited that this technology will help prevent more employees from ever having to experience the pain of a musculoskeletal injury,” Wendel said. “We’ll be continuing to keep an eye out for more ways technology can help us better serve our customers in the future.”

Workers’ compensation waiting periods

A workers’ compensation “waiting period” is the number of days an employee must be off work before receiving wage-loss benefits.

This waiting period is established by state law, and differs from state to state.

It’s worth knowing your state’s workers’ compensation waiting period and the rules surrounding it, because bringing injured employees back to work within this timeframe whenever possible is one of the most important things you can do to control future premiums.

Bringing an employee back to work before the state’s waiting period ends will keep the claim “medical only,” which means claim costs will be reduced by 70 percent when determining your experience modification factor (e-mod).

Waiting periods and rules differ by state

It’s not always easy to figure out when your employee’s waiting period ends due to factors like weekends or partial days.

Different states handle these issues differently.

In all of SFM’s core states of Minnesota, Wisconsin, Iowa, Nebraska and South Dakota, days the employee isn’t scheduled to work (such as weekends) generally count toward the waiting period, with one important exception. In Wisconsin, Sundays do not count unless the employee was scheduled to work.

This means in Minnesota and Iowa, if your employee is injured on a Friday, the waiting period would be Friday, Saturday and Sunday, and benefits would be due on Monday. Therefore, you may have only until Monday to bring the employee back to work to avoid a lost-time claim.

Wisconsin is also the only state of the five where the waiting period does not start until the first full day of missed work. In the other four states, the waiting period starts on the first full or partial day of missed work.

Waiting periods in MN, WI, IA, NE, KS and SD

The following are the waiting periods in SFM’s core states:

  • Minnesota: 3 days
  • Wisconsin: 3 days
  • Iowa: 3 days
  • Nebraska: 7 days
  • Kansas: 7 days
  • South Dakota: 7 days

Days before wage-loss benefits are paid retroactively

State law also defines how many days an employee must be off work to be retroactively paid wage-loss benefits for the waiting period days that were not initially paid.

For example, in Iowa, this number is 14 days. This mean an employee who is off work for 20 days due to a work injury would receive wage-loss benefits for the first three days of time off, but an employee who is off work for 10 days would not.

Again, this number differs by state. The following are the number of days an employee must be off work to be retroactively paid wage-loss benefits for the waiting period:

  • Minnesota: 10 days
  • Wisconsin: 7 days
  • Iowa: 14 days
  • Nebraska: 6 weeks
  • Kansas: 3 consecutive weeks
  • South Dakota: 7 consecutive days

Bringing employees back to work

In many cases, a doctor may allow an injured employee to return to work, but not to their regular job. At times like these, it helps to be prepared with a list of light-duty jobs in advance. For ideas, find lists of light-duty jobs by industry in our blog post Free return-to-work resource provides ideas for light-duty jobs.

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