The Obama administration recently released a proposed rule outlining the standards for "navigators” who will help consumers shop for health insurance in new exchanges set up by the Patient Protection and Affordable Care Act.

Navigators are organizations that will provide unbiased information to consumers about health insurance, the new health exchanges, qualified health plans, and public programs including Medicaid and the Children’s Health Insurance Program.

History Of Success

"Well the simplest answer is that we are constantly trying to manage our role as a key contributor", answered David Findlay, President & CFO at Lake City Bank, as we discussed why his organization is so involved in the communities it serves. Findlay continued, "The only way to survive is by helping our clients and communities be successful too. We believe that we have a depth of commitment that is stronger than any of our competitors. We serve the community in every market we’re in and have committed our people and resources to our clients and communities to support their success.”

Lake City Bank was founded in 1872 in Warsaw, Indiana. It serves Indiana with 45 branches located in northern Indiana and now in Indianapolis as well. The holding company, Lakeland Financial Corporation, has over $3 billion in assets. That's over 140 years of continuous service under the same name.

This long term record of success got me thinking. Are you and your organization committed for the long haul? A few years ago a joint study by researchers at Thunderbird School of Global Management, ASU and, Penn found that when leaders balance the concerns of customers, employees, and community their employees see their organization as more visionary and participatory. Employees report being more willing to put in extra effort. The engagement drives better corporate results.

You can’t eliminate risk. It exists in every line of work. Whether you’re a banker or a construction worker, there are inherent risks that you must identify and manage. Most businesses will be concerned with financial risk. In construction however, risk management is even more vital as it is about keeping people safe. It’s not inconceivable that someone could die on the job. It is, therefore, important that you can plan for every eventuality.

Non-fatal

It isn’t just the potentially fatal injuries you need to be on the look-out for when making your construction risk management plan. Non-fatal injuries to the hands, arms, or legs can have a debilitating effect on a person for the rest of their life. Almost a quarter of construction site injuries are to the hands and fingers due to digits being cut off and hands being crushed or burned. Basic things like gloves and safety guards for machinery can help to avoid these kinds of accidents.

Health Care Reform will change the way employers make business decisions now and into the future. Employers can no longer guess at what mandate will affect their business or what changes need to be made and when. That makes NOW the time to work with a consultant that can provide the analysis necessary to make the best decisions.

John Torinus sure thinks so. He’s the current Chairman and former CEO of Serigraph, a one thousand employee custom graphics manufacturer in West Bend, Wisconsin. In 2004, John began a successful mission to drive down the cost of health care at Serigraph – for his employees and the company – and even wrote a book about it named The Company That Solved Health Care. I’ve become a big fan.

If you run a company or are charged in some way with managing the health insurance plans, this book is for you. Serigraph has kept its costs virtually flat over the last ten years by following several key principles.

If you own, borrow, or rent recreational vehicles, you have a lot of responsibility on your hands. Everyone looks forward to having fun and no one counts on having an accident. Unfortunately, they happen and it’s important to be prepared in case one occurs.

First, have an effective risk management strategy. Protecting your assets, your vehicles, is an obvious place to start. Ensuring this protection starts with maintenance. Implementing a schedule of routine servicing and checks can guarantee the safety of your vehicles and potentially catch an issue before is poses a significant threat.

Workplace injuries are a fact of life in some industries. If you work with heavy machinery or spend your day on your feet, you are unlikely to go your entire career without injuring something. Even sitting at a desk typing all day has it’s hazards. Most business owners are very aware of the risks associated with their day-to-day business.

Something that often gets missed is the return to work plan. When people do get injured, inside or outside of work, they will eventually return. As much as you plan to avoid these injuries it’s also important to create a plan to reintegrate injured employees into your workforce.

Develop a Plan

Only twenty-four states have been approved to set up their own health insurance exchanges leaving the federal government to run the other 26. We don’t know yet what they will look like but we do know there will an overwhelming range of choices for millions of people who have never had to choose their own health insurance before.

Most Americans are covered by employer-sponsored insurance or by government-provided insurance such as Medicare, Medicaid, or the Children’s Health Insurance Program. Only a small percentage buys their own individual private coverage. The Congressional Budget Office projects that 26 million people will buy health insurance on the exchanges by 2022.

An Old List

“If you are walking, you are doing it wrong!” I read the words on a stained dog-eared piece of paper and could still hear Coach Dubach shouting across the practice field.

Ron Dubach was the linebackers coach for the Leo High School football team. There was never a time when it was okay to walk. When you went for a drink of water, you ran. When you moved from one station to another, you ran. When you went to get your injury taped by the trainer, yep, you ran.

The larger the project, the greater the risk – that much is a given. The importance of risk management, however, remains the same no matter how great or small the project. Although each comes with its own unique risks, large-scale infrastructure construction projects are particularly distinctive.

Public Influence

A large infrastructure project is likely to take place in close proximity to the general public and this poses many risks. In some cases, such as road resurfacing or constructing new sections of highway, construction must be staggered to allow for continued public use of the area.

As well as working in close proximity to the public, the risks extend to what happens when you are not working. If your site is in a public area, or easily accessible by public roads, extra security measures may need to be employed to protect the site between shifts. Public liability on large infrastructure construction projects is vitally important.