1. finance
2. personal finance
3. insurance

Welcome to the
WCTI Annual Meeting
Hilton Lisle/Naperville
Friday, May 9, 2014
Thank You To Our Agents!
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Alper Services, LLC
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Hallberg Commercial
Arthur J. Gallagher Risk Management Services, Inc.
Assurance Agency, Ltd.
Byrne, Byrne & Company
Dansig Incorporated
Davis Insurance Group – Division of Crum Halstead
Agency, Inc.
Horton Group
HSHC, Inc.
Hub International Midwest Limited
Insurance Solutions Network, LLC
Lamb, Little & Company
Market Financial Group
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Maconachy Stradley Insurance Agency, Inc.
Meeker-Magner Company
Mesirow Insurance Services, Inc.
Myers-Briggs & Co., Inc.
ONB Insurance Group
Risk Strategies Company
Roland J. Fischer & Associates, Inc.
Rosenthal Brothers, Inc.
Snyder & Snyder Agency, Inc.
The Daniel and Henry Co.
The Hays Group, Inc.
The Plexus Group, LLC
USI Midwest
Wells Fargo Insurance Services USA, Inc.
Willis of Illinois, Inc.
WCTI Board of Trustees
• The Board is comprised of 11 Trustees who
serve Member companies.
• The Trustees are executives of Member
companies with responsibility for defining and
making policies and have fiscal responsibility at
their company.
Trustees – Claims Committee
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Sue Meyer, Rockford Spring Company
Karen Guzan, Midco
Phil Kretekos, Metal Impact
Brad Irle, TH Synder
Trustees – Loss Control Committee
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Bryan Webster, Webster-Hoff Corporation
Tom Simeone, Manor Tool & Manufacturing
Kevin Dunne, Flexco
Joe Dwyer, Eklind Tool
Trustees – Finance Committee
• Scott Szafasz, Bimba Manufacturing Co.
• Joe Kulisek, United Displaycraft
• Daryl Dishong, The Intec Group
WCTI Board of Trustees
• There is a current Board opening
– If interested, please see a WCTI Board member
today or contact Gina Reynolds at
[email protected].
CCMSI Service Team
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Gina Reynolds – Account Manager
Carol Gleason – Claims
Marianne Cornacchione – Claims
Stacey Dahm – Claims
Michelle Hoerdemann – Claims
Ryan Brown – Loss Control
Diane Rigsbee – Loss Control
Meredith Wayant – Loss Control
Bill Katon – Loss Control
Bob Wasick – Loss Control
Vickie Drollinger – Underwriter
Tiffany McNeely – Accountant
Angie Blakeney – Sales
John Kluth – Senior Account Advisor
In Your Folders
• Sponsor Information
– Turn in a signed sponsor card for the chance to win a
Visa Gift Card
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Member Bios
Testimonial Request
Referral Form
Annual Meeting Survey
2014 Loss Control Manual information
Today’s Schedule
• Breakout sessions at 10:00 and 11:00
• Awards at 11:50
• Lunch at 12:00
Breakout Sessions
1. Adjustment Bills
2. Weapons and Weed
3. Ask the Loss Control Expert
4. Work Comp Trial Decisions
www.wcti.info
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Claims, Loss Control and Policy Documents
Calendar of Events
Scoreboard
Membership Contact List
Safety Tip of the Month
Power Point Presentations for the Task Force
and Train the Trainer Sessions
Chairman’s Report
Bryan Webster
Webster-Hoff Corporation
Chairman’s Report
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Mission Statement
Why WCTI !!
New Membership Process
WCTI Today
Mission Statement
The Workers’ Compensation Trust of Illinois is a group of safety
focused Illinois Manufacturers that have pooled their excellent loss
experience to self-insure their workers’ compensation risk.
Members are committed to managing progressive safety programs
and are actively involved in the fair and expedient management of
claims.
All members share the philosophy that their employees are their
greatest asset and that a safe workplace is their highest priority.
Why WCTI !!
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Allows smaller companies to reap the cost savings of insuring workers’
compensation by spreading the risks over a large number of companies.
Provides lower premium costs along with a possible return of premium
dollars and interest income.
Allows members to gain control over their claims and to take advantage of
result driven, industry-specific loss control services.
Provides networking and training opportunities through the Annual
Meeting, Train the Trainer and Task Force meetings and OSHA 10 hour
training.
The goal is to find like minded companies who care a great deal about the
safety of their employees and want to be as cost efficient as possible.
Strength and Success of WCTI
Members
Trustees
CCMSI
New Membership Process
Eligibility Requirements
– Manufacturing and related industries
– Illinois employees only
– Minimum premium requirement is $30,000 in Standard
Premium
– Group health insurance coverage required
– Eligible prospects must meet the following three year Trended
Expected Loss Ratio (TEL):
• $30,000 to $50,000 in Standard Premium, TEL less than 40%
• $51,000 to $100,000 in Standard Premium, TEL less than 45%
• Over $100,000 in Standard Premium, TEL less than 50%
New Membership Process
Member Requirements
– Management must indicate a strong interest in working with claims and loss
prevention
– Participation in the Member Safety Audit Program (MSAP)
– Participation in all scheduled loss control visits
– Maintenance of a positive management safety commitment
– Reporting of claims to CCMSI, preferably within 24 hours, but at the latest
within five days
– Post accident and pre-employment drug and alcohol testing
– Commitment to transitional employment for injured workers
– Demonstration of a foundation of sound business practices
– Must be willing to provide a bank reference that would communicate credit
worthiness
– Payment of WCTI invoices in a timely fashion
– Member agrees to submit all losses to CCMSI for payment. No in house
payment of work related medical bills.
New Membership Process
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WCTI evaluates new Members against a list of the following:
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Desired types of manufacturing
Undesired types of manufacturing
Undesired exposures
Acceptable exposures with limited or minimal exposure
Common class codes found within WCTI
If the prospective member fits the profile, what happens next?
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Underwriting approval
Excess carrier approval
CCMSI Account Manager approval
Pre-inspection approval (CCMSI Loss Control Representative)
WCTI Loss Control Committee approval
WCTI Board of Trustees approval
New Membership Process –
2013 Results
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129 Prospects Were Reviewed
81 prospects Were Declined
48 Met WCTI’s Qualifications
23 Companies Joined WCTI
– New Standard Premium of $2,410,044
Example - Met Criteria But Declined
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Machine Shop
Premium $48,000
Experience Mod .83
Loss Ratio 0%
Declined by the Loss Control Representative because of
the lack of the necessary elements that are expected for a
WCTI safety program and due to the condition of the
building and the location of the prospect.
WCTI Today – Membership
140
120
100
101
99
2010
2011
128
131
2013
2014
108
80
60
40
20
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2012
WCTI Today – Incident Rate
(Per 100 Employees)
4.6
4.5
4.4
4.1
4.0
4.2
4.2
3.8
3.6
3.8
3.8
3.4
2009
2010
2011
2012
2013
WCTI Today – Standard Premium
$16,500,081
2011
$15,378,100
2010
$13,540,385
$8,000,000
$6,000,000
$4,000,000
$12,508,581
$16,000,000
$14,000,000
$12,000,000
$10,000,000
$11,587,640
$18,000,000
$2,000,000
$0
2012
2013
2014
* 2013 and 2014 Estimated
48%
41%
44%
30%
50%
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
49%
WCTI Today – Loss Ratio as of 3/31/14 with IBNR
2009
2010
2011
2012
2013
WCTI Today – History of Surplus (GAAP)
$950,000
$1,065,199
$1,000,000
$1,020,894
$1,050,000
$1,074,455
$1,100,000
$1,119,589
$1,150,000
$1,167,112
$1,200,000
$900,000
2009
2010
2011
2012
2013
Loss Control Report
Tom Simeone
Manor Tool & Manufacturing
Loss Control Report
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2013 Year In Review
Focus Areas For 2014
Loss Control Committee
Improved Training Resources
2013 Year In Review
MSAP
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The MSAP targets top claim categories and common manufacturing OSHA
citations.
MSAP works closely with ISO, Kaizen, Kanban.
61 companies scored greater than 90 in 2013.
54 employees received their OSHA 10 hour card, free of charge
39 companies will receive a No Lost Time Award today
20 companies will receive the Award for Safety Excellence today
Seven Train the Trainer Sessions
Seven Task Force meetings
Five Mini Training Sessions (via phone)
Quarterly visits made to all members
Monthly visits made to new members for first quarter of membership
2013 Top Causes of Injury/Total Incurred
• Ergonomics Plant- 44%
• Tooling or Equipment- 28%
• Machine Guarding- 5%
2009 to 2013 Top Cause of Injury/Total Incurred
• Ergonomics Plant – 40%
-All members have received a visit from our ergonomic
specialist
Focus Areas For 2014
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Ergonomics
Machine Guarding
Low Shared Claims
Encourage use of Member Resources
New Employee Orientation and Training
Loss Control Committee
• In 2014, the Loss Control Committee will continue to meet with
officers of member companies if the following triggers are met:
– Loss ratio of 100% or greater and a cumulative loss ratio of 39% of more
– LOTO incident
– Machine guarding incident or an amputation with a total incurred greater than
$10,000
– MSAP score of 55% or less at year end
– No response to a Notice of Continued Excessive Loss Letter.
• New to 2014
– If a member satisfies three triggers in twelve months, they will be placed on
Member Probation
– If a Member does not attend a meeting when the invitation is extended and
declines two subsequent invitations, they will be placed on Member Probation
Improved Training Resources
• Partnership with Summit Training
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Now Available
Added 31 new training courses
Prior courses still available
Many are available in Spanish
Joining Us Today
Josh George, IntelliWheels, Inc.
Member Awards
Gina Reynolds
If you haven’t done so already …
• Complete the WCTI Annual Meeting Survey
The WCTI Board of Trustees would like
to recognize the following companies for their
years of membership in the Trust.
• EXACT PACKAGING
• GENESIS AUTOMATION
• MECH-TRONICS, LIMITED PARTNERSHIP
• SKYLINE DESIGN, INC.
5 Years
5 Years
5 Years
5 Years
• INTERNATIONAL SUPPLY CO.
• LAVEZZI PRECISION, INC.
• PRIMROSE CANDY CO., INC
• STOCKER HINGE
• THERMOFLEX CORPORATION
10 Years
10 Years
10 Years
10 Years
10 Years
• CHEMRING ENERGETIC DEVICES, INC.
• FOREST PACKAGING CORPORATION
• GRANITE CITY PICKLING & WAREHOUSE, INC.
• KAY MANUFACTURING CO.
• STURTEVANT RICHMONT, DIV. OF RYESON CORP.
20 Years
20 Years
20 Years
20 Years
20 Years
• AMSTEK METAL, LLC
• ROESCH, INC.
25 Years
25 Years
• SAVAGE BROTHERS COMPANY
30 Years
No Lost Time Accidents Safety Award:
• In recognition for maintaining a safe and
healthy work environment and achieving no
lost time accidents in 2013
No Lost Time Awards:
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Amstek Metal LLC
Anthony Liftgates, Inc.
Ballco Manufacturing Company
Brave Products, Inc.
C&L Supreme
Chase Products Company
Chemring Energetic Devices, Inc.
CLL Engineering
Corrugated Supplies Company, LLC
Flexco
Flexco Engineered Systems Group
Hudson Precision Products Company
Kastalon, Inc.
Kiene Diesel
Lewis Machine & Tool Co.
LMT Onsrud
Manor Tool & Manufacturing Company
Meaden Precision
Mech-Tronics, Limited Partnership
Metal Impact, LLC
No Lost Time Awards:
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Mushro Machine & Tool Company
The Pate Company
Phoenix Closures
Phoenix Electric
Precision Tooling Group
Qualitek Manufacturing Inc.
Scot Electrical Products
Scientific Metal Treating
Service Industries, LLC
Skyline Design, Inc.
Spartanics
Stocker Hinges
Tech-Max Machine, Inc.
Technical Metals Inc.
Tella Tool & Mfg. Co.
The Intec Group, Inc.
Unity Manufacturing
Valley Fastener Group, LLC
Vogel Tool & Die, LLC
Award for Safety Excellence:
• In recognition for management of an
outstanding safety program, achieving a loss
ratio of less than 10% and a MSAP score of 90%
or greater in 2013
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Award for Safety Excellence:
ATK Foods
Ballco Manufacturing Company
Batavia Container Inc.
Chemring Energetic Devices, Inc.
Coral Chemical
David Architectural Metals, Inc.
Flexco
Kastalon, Inc.
Lewis Machine & Tool Co.
LMT Onsrud
Manor Tool & Mfg. Company
Mech-Tronics, Limited Partnership
Metal Impact LLC
Midco, Inc.
Phoenix Closures, Inc.
Skyline Design, Inc.
Sterling Multi Products
Tech-Max Machine, Inc.
The Intec Group
Valley Fastener Group, LLC
Exceeding Safety Excellence:
• In recognition of exceeding expectations for
management of an outstanding safety program.
WCTI recognizes your for your commitment to
promoting a safe and healthy work
environment.
Exceeding Safety Excellence
David Architectural Metals, Inc.
Chairman’s Award for Safety:
• In recognition of exceptional safety
performance in 2013. WCTI recognizes your
long-term safety commitment to promoting
and providing a safe and healthy work
environment.
Chairman’s Award
LMT Onsrud
Thank You
For Attending The
WCTI Annual Meeting
Hilton Lisle/Naperville
Friday, May 9, 2014