Get to know an SFM employee: Meet a member of our in-house legal team

Peter LindquistPeter Lindquist has been part of the legal team at SFM since 2018. Prior to that, he practiced for four years in the areas of workers’ compensation defense, general civil litigation, and employment law. We asked Lindquist to share a little bit about his background and role.

Tell us a little bit about your background.

I’ve been with SFM’s in-house law firm for just over five years now. I got into workers’ compensation and law because my dad was a defense attorney handling a lot of workers’ compensation and employment law issues.

Ever since I was a kid I worked at his office. I started flipping copies when I was younger. Then when I was in college, I started doing more substantive stuff and that led me to go to law school.

I practiced and worked with my dad for four or five years doing work comp and employment law. Then I decided it was time to spread my wings and found my way to another firm and then to SFM.

How would you describe your role in a nutshell?

I kind of have two jobs. One of them is to represent SFM and its insureds in litigated workers’ compensation claims. That’s my primary role.

But I’m also a resource and adviser to SFM’s claims adjusters, medical-only reps and policy holders when they have non-litigated claims. That’s something that SFM does really uniquely compared to when I was in private practice and what I’ve heard of other companies that have in-house law firms.

Also, there’s a strong integration between our in-house law firm and the Claims team. Claims adjusters can walk down to our office or call us up any time they have questions to talk to us. We’re not just litigating claims.

How is SFM different from other companies you’ve worked with?

That integration piece is a huge part of it.

I found it difficult in private practice to strike a balance between being an advisor and providing good and candid advice to clients; and also being a business person and having to think about how to please clients and get return business. I also hated having non-communicative clients that I didn’t have a direct line to. I don’t see either of those as issues at SFM.

We’re colleagues and we can speak directly and frankly about the claims we’re handling, and people are responsive.

What about your job is particularly rewarding?

I do really enjoy the times we’ve had in meetings with policy holders, especially small business owners who are new to work comp, where we kind of give them the work comp 101. We do a fair amount of that.

We’ve got a lot of big employer entities that know their stuff but getting to work with those smaller entities that don’t know it as well is rewarding.

What do you like about your job?

I like getting to explain things and help people solve problems.

I also like the problem-solving part of the litigation and day-to-day side. Every new claim that comes in is like a puzzle. You get to look at all the pieces – what are the facts, what are the issues, what does the medical report say? Then you start using those to paint a picture about the case. I really enjoy that part of it.

What’s most challenging about your job?

Litigation is stressful and time-consuming, and has constant deadlines to meet. And you have to work hard to keep a cool head in contentious situations, and in dealing with difficult personalities.

What words of wisdom do you have for small-business employers?

Communicate. Remember that with SFM you’ve got so many resources – claims adjusters, med reps, doctors, attorneys. Communicate with us, use us. When you’ve got an active claim, keep us in the loop as to what’s going on. We’re a team and we should work as a team.

Tell us a little bit about yourself.

I live in the northwest suburbs of the Twin Cities. I’m married and my wife and I have an 8-month-old at home, and that’s the biggest thing in our lives right now.

Outside of that than that, I play guitar in a couple of bands. My three younger brothers and my dad are all musicians, too, so that’s a big part of our family gatherings and activities.

 

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SFM Foundation board chair Dave Kaiser steps down after 15 years

Dave Kaiser
Dave Kaiser

Dave Kaiser doesn’t have a singular moment that stands out during his time with the SFM Foundation.

“The moment for me happened every year,” Kaiser said. “It was when I would speak in front of everyone at our annual golf events. There would be 250 people in a packed room, and we’d be introducing the kids and you could feel the energy in that room. You could understand the whole reason why you were doing this. That was special.”

Fifteen years after co-founding the SFM Foundation, which provides college scholarship funding for families affected by workplace injuries, Kaiser stepped down as board chair on Dec. 6, 2023. While it was partly due to SFM Foundation bylaws, there was another reason.

“Honestly, it was also time,” he said. “It was time for someone else to do this and give them that opportunity. Fifteen years is plenty for anybody.”

Over those 15 years, the SFM Foundation has awarded $3.7 million in scholarship funds.

Origins of the SFM Foundation

Back in 2008, Kaiser had heard of an organization in Colorado that provided scholarships to the children of injured workers.

He told Bob Lund, former SFM President and CEO, a similar nonprofit would be a good idea for the company.

“We saw how successful it was and also how it fit so well into our organization. We thought it would give employees something to be proud of,” Kaiser said. “We’re giving back to the same community that we work hard to provide good outcomes for.”

Aside from heading up the SFM Toys for Tots program, Kaiser had never had any experience with a nonprofit. He made some calls to officials with the Colorado group, spoke to some lawyers and “boom, we had a foundation.”

A board of directors and volunteer team was established to run the SFM Foundation, which started with a golf fundraiser because Kaiser had experience at such events.

In its first year, the SFM Foundation provided $57,000 in scholarship money. This year, it was $500,000. And the SFM Foundation is among the top organizations in the country providing similar philanthropy.

SFM Foundation successes

That growth over the past 15 years benefits more than just the scholarship recipients.

“The mission was to impact not only the kids, but also the families,” Kaiser said. “These families have been through some really awful things. The kids’ grades tend to drop. And the families are often financially strapped because they lost their primary breadwinner.”

Those families have gotten to know each other over the years and attend SFM Foundation events.

“You saw this huge community being built,” Kaiser said. “Since the third year, we typically sell out the golf event in February because everybody wants to show up to it and they want to be part of that community. That’s why you do it – you see how you’re impacting the lives of other people.”

That sense of community and hope is big for Kaiser. “Bad things happen but there are also good people out there,” he said.

Meanwhile, Kaiser noted how SFM and its employees have embraced the organization, which has earned the Platinum Seal of Transparency  from GuideStar – the top transparency rating a nonprofit can receive.

“It’s about finding people that share the same mission,” he said. “The people who have worked on this over the years – you have to find the people who have the same place in their heart and they’re all doing it for the same purpose.”

Those involved in the SFM Foundation don’t see the efforts as work. “When people view it as something that adds to their life, then you have magic,” Kaiser said.

There is a strong core of SFM employees who make the foundation go. Kaiser himself has held virtually every title in the organization over the years, and added that the foundation’s efforts also offer SFM employees the opportunity to take on new roles and challenges outside of their day-to-day job.

Of course, every promotion within the SFM Foundation comes with extra pay.

“Everyone’s used to my famous line – if you get a promotion I double your salary,” he said. “Well, no one got paid.”

Future of SFM Foundation

Kaiser credited the ability of the foundation’s leadership team in making the SFM Foundation a success. That group will continue to operate as it has in Kaiser’s absence.

Taking over as board chair is Andy Gebhard, SFM’s VP & Chief Communications Officer.

“Andy’s going to do fantastic,” Kaiser said. “I told the board – after 15 years, having fresh blood is a good thing. And having someone like Andy, who has so much creativity and shares that same emotional connection, it’s a perfect match.”

Kaiser thanked SFM Foundation volunteers, saying the organization is only successful because of them. “They are the heart and soul of the foundation,” he said.

He’s proud of how the company and its employees have adopted the organization and moved it forward, specifically mentioning:

  • President Linda Williams
  • Executive Director Lindsay Henningsgaard
  • Scholarship Director Debra Zorn
  • Event Director Kim Thelen

Circling back to the annual golf event that is so special for Kaiser. Is he even any good at golf?

“Not tremendous,” he said. “I can hit the ball a long way, I just don’t know where it’s going.”

Learn more about the SFM Foundation on its website.

About the SFM Foundation

Since its inception in 2008, the SFM Foundation has granted 232 scholarships totaling $3.7 million to help students pursue higher education thanks to the generous support from sponsors and donors.

The SFM Foundation provides scholarships for students whose parents were seriously injured or killed while working for Minnesota or Iowa employers. SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota and is also known as Kids’ Chance of Iowa. To learn more about the cause, visit sfmfoundation.com.

 

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New CompOnline administrator guide available

SFM has released a new version of CompOnline. The improvements enhance security, provide more permissions to the administrator and streamline our behind-the-scenes processes allowing us to serve you even better.

CompOnline administrators may notice a few changes, including:

  • Administrators can now manage all policy contacts, not just CompOnline users. Any additions or changes to contact profiles will directly update the information we have on file for your organization.
  • For security purposes, administrators can no longer create the first-time password for a CompOnline user and will no longer be able to reset a CompOnline user’s password.

Download the new guide

If you’re a CompOnline administrator, please download our updated CompOnline Administrator Guide for information on the updated features.

SFM Foundation to host two fall fundraising events

This fall brings two opportunities to support the SFM Foundation with events in Minnesota and Iowa.

Annual fall event returns

The Foundation’s annual Fall Fundraising Event is scheduled for 6-9 p.m. on Thursday, November 9, at The Westin Edina Galleria in Edina, Minnesota, near SFM’s Bloomington headquarters. The in-person event will feature wine, craft beer and cider tasting, a silent auction, raffles and complimentary appetizers. Tickets are $40 in advance and $50 at the door. The online silent auction will run from November 6-9. If you are unable to attend the live event you can still bid on items through the online bidding platform. If you’re interested in making a bigger impact, sponsorships are available at multiple giving levels and donations are also being accepted for the silent auction.

New Iowa event planned

A new event is making its debut this year in Iowa. The Bowling for Scholarships fundraiser is set for 5-9 p.m. on Thursday, November 2, at Spare Time Entertainment in West Des Moines, Iowa. Join the Foundation for an evening of bowling and live music by The Juan & Only. There are multiple ways to participate:

  • Register as a Team Sponsor for $500 and your team of four will receive two hours of bowling, shoes, pizza and refreshments. Team themes and costumes are encouraged. Prizes will be awarded for best team theme and highest team score.
  • If you’re interested in supporting the event without bowling, register to be a Lane Sponsor for $300 and you’ll have your logo displayed electronically at one of the 14 lanes.
  • Register as a Social Attendee for $50 if you prefer to hang out, watch the bowlers, listen to the live music, and enjoy two complimentary refreshments.

Proceeds from both fall events will support multi-year scholarships for students affected by workplace injuries.

Visit sfmfoundation.com/events  to learn more about these fun ways to support a great cause.

About the SFM Foundation

Since its inception in 2008, the SFM Foundation has granted 232 scholarships totaling $3.7 million to help students pursue higher education thanks to the generous support from sponsors and donors.

The SFM Foundation provides scholarships for students whose parents were seriously injured or killed while working for Minnesota or Iowa employers. SFM Foundation is an affiliate of Kids’ Chance of America  in Iowa and Minnesota and is also known as Kids’ Chance of Iowa. To learn more about the cause, visit sfmfoundation.com .

 

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MN work comp law change regarding notice of non-emergency surgery

It’s now even more important for employers to notify their claims adjuster immediately if an employee requests a non-emergency surgery.

Minnesota workers’ compensation law changed recently to allow an employee to notify their employer directly of a request for non-emergency surgery. Once notice has been given, the employer or insurer has seven days to give a response to the request. In a previous version of the law, such requests had to be directed to the insurer by the health care provider.

Legal options available to employers and insurers for response include approving or denying the surgery, requesting additional information or a second opinion, or requesting an independent medical examination (IME).

 

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Get to know an SFM employee: Meet a member of our in-house bill review team

Kirsten Peterson
Kirsten Peterson

Kirsten Peterson has been a Medical Support Representative at SFM for two years, and in the workers’ compensation industry for 15 years. Kirsten is part of SFM’s in-house bill review team. We asked Peterson to share a little bit about her background and her role.

How did you get into workers’ compensation?
I just kind of fell into it by getting a temp job at a small workers’ compensation third-party administrator. I later got a job with a large pharmacy benefits manager. That’s where I learned a lot about medication and authorization and different rules for different states regarding medication. I still use that knowledge to this day, which is really cool. It’s kind of funny how it comes full circle.

How did you end up at SFM?
When I moved back to Minnesota, I made a list of the insurance carriers that were local and who had the nicest adjusters and SFM was at the top.

How would you describe your role in a nutshell?
A lot of what we do is processing medical bills, but a lot of people don’t know that we also educate medical providers to make sure they are billing us correctly and that we’re also paying them correctly. We also work closely with different state agencies to make sure that we’re following state-specific guidelines and rules. When we’re reviewing medical bills, we’re looking to make sure the bill relates to our injury. Sometimes we’re even identifying additional body parts or red flags in the medical records and passing that information on to the adjuster. They appreciate having us as their second set of eyes.

How is SFM different from other organizations you’ve worked for?
There’s a big sense of family, which I really love. Everyone is super kind, super friendly, super nice, very, very helpful. I love how close knit everyone is and you make relationships with people as you get to know them. We have a big focus on collaboration and learning from one another and teaching one another. I love having the opportunity to teach people on my team. Everyone’s feedback is heard and is welcomed. I work for an amazing team. Everyone’s super supportive. My boss is amazing. I love it a lot.

What do you like about your job?
I love that it’s completely different every single day. We have our basic set of tasks, but how you approach a bill is different from bill to bill and even claim to claim. I love provider phone calls because they keep us on our toes. Sometimes it’s a simple phone call wanting to know if the bill was received, and sometimes it’s a lot more complex.

What’s most challenging about your job?
There’s a lot of different state rules and regulations, so as we branch out into new states – which is really awesome and exciting – there’re new things that we have to learn, so we have to do the research. We have to reach out to other departments of labor and industry and make sure that we’re doing things appropriately, so that’s where it can get a little bit challenging.

What words of wisdom do you have for employers?
Make sure injured workers know to give our billing information right away when they go to medical appointments. If they don’t have a claim number yet, that’s OK. At least give our mailing address. That’ll ensure a smooth billing process, and they won’t get any unexpected bills sent to them.

Tell us a little bit about yourself.
I’m from International Falls, Minnesota, and I picked my college for their hockey team. I don’t necessarily recommend that as a method to choose your education, but it was also a good school (University of North Dakota). I have a 12-year-old nephew who does it all. I like to go to his hockey games, football games, baseball games, and now he’s a cowboy, so we keep pretty busy attending all of his sporting events, or if I can’t make it, my mom takes a video for me so I can cheer from afar.

 

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Companion moving to electronic delivery

SFM’s Companion magazine will be delivered via email only starting with the January 2024 edition.

“As more and more communication moves to electronic channels in many of the workplaces we serve, we felt the time was right to make this change,” said Vice President and Chief Communications Officer Andy Gebhard. “Discontinuing our print edition will allow us to place more focus on our online resources, and operate in a more environmentally friendly way.”

SFM will continue to send out the emailed edition of the Companion as it has for the past several years. Going forward, recipients of the electronic version will see no immediate changes.

In addition to the Companion email newsletter, SFM policyholders have on-demand access to a wealth of articles, downloadable resources, and videos covering a variety of workers’ compensation-related topics at sfmic.com.

 

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SFM Foundation awards 16 new scholarships, holds 2023 golf fundraisers

Fifteen years after the SFM Foundation began their mission to help make college affordable for students affected by work injuries, they’ve granted 232 scholarships totaling $3.7 million.

This includes $502,000 awarded to 16 new recipients announced in May. Six of these students are from Iowa and 10 are from Minnesota.

Over 125 scholarship recipients have graduated since the SFM Foundation’s inception in 2008, and there are currently 72 active scholarships. Scholarships are awarded regardless of the workers’ compensation insurer involved in the claim.

Thanks to the generous support of event sponsors and donors, the Foundation has been able to reach these families in need for a decade and a half.

The Foundation’s golf fundraisers are the primary source of fundraising for their scholarship fund, and 2023 was no exception. The Minnesota golf event has become one of the largest charity golf tournaments in the state. This year’s event on June 12 raised an astounding $125,000 for the scholarship program. The Iowa golf outing is a newer event and continues to grow each year. This year’s event on May 22 raised $45,000 for scholarships.

Mark your calendar for the Foundation’s annual fall fundraising online auction and in-person event  in early November.

The Foundation is always on the lookout for eligible scholarship candidates. If you know of a family who would qualify for an SFM Foundation scholarship, please direct them to sfmfoundation.com/apply .

About the SFM Foundation

The SFM Foundation provides scholarships for students whose parents were seriously injured or killed while working for Minnesota or Iowa employers. SFM Foundation is an affiliate of Kids’ Chance of America  in Iowa and Minnesota and is also known as Kids’ Chance of Iowa. To learn more about the cause, visit sfmfoundation.com .

 

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AM Best reaffirms SFM’s Financial Strength Rating of A- (Excellent)

SFM Mutual Insurance Co. announced that its Financial Strength Rating of “A- (Excellent)” and Long-Term Issuer Credit Rating of “a-” have been reaffirmed by AM Best Rating Services, Inc.

This announcement comes as a result of AM Best’s thorough analysis of SFM’s balance sheet strength, in addition to its operating performance, business profile, innovation and enterprise risk management. Prior to publicly disclosing this affirmation, AM Best conducted a detailed review of SFM’s finances and operations.

“In our annual review with AM Best, we were pleased to demonstrate how our commitment to service delivers excellent results,” said SFM President and CEO Terry Miller. “We consider their assessment to be an important indicator of SFM’s long-term financial strength and stability.”

About AM Best
AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in New York, London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit ambest.com .

 

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Join us for the 2023 SFM Foundation golf events

Registration is now open for the SFM Foundation 2023 Minnesota and Iowa “Golfing for Scholarships” fundraisers. The Foundation’s golf events are the biggest fundraisers of the year and pay for most of their multi-year scholarships.

Events will be held on the following dates:

Participate in the event by sponsoring, golfing or both. Sponsorship opportunities are available ranging from $750 to $10,000.

Space at both events is limited, so register early to secure a spot.

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

For more details or to register, visit sfmfoundation.com/events .

About the SFM Foundation

The SFM Foundation was created in 2008 by SFM Companies, a regional workers’ compensation insurance group headquartered in Bloomington, Minnesota. SFM Foundation is dedicated to easing the burdens on families affected by workplace accidents. Since its inception, the Foundation has awarded 216 scholarships totaling $3.2 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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