4 months ago

One of the oldest self-insured group funds in the country provides financial stability for Alabamians in uncertain times

Alabama Self Insured Board of Trustees (ASI)

 

By Lauren Naumcheff

(Sponsored) Owning a business in a fluctuating economy is a daunting endeavor. Business owners not only face the pressure of generating enough profits to remain viable, but also fear the consequences of an employee becoming injured on the job. As health care costs continue to rise, providing adequate insurance coverage for injured workers is a growing concern.

The Alabama Self-Insured Workers’ Compensation Fund (ASIWCF) provides a critical service to Alabama employers by offering coverage to workers and helping employers control costs associated with workplace injuries.

A series of dramatic events in the 1950’s, 60’s, and 70’s, including the exodus of commercial workers’ compensation carriers, left many Alabama employers struggling to survive. Business owners had little protection from financial devastation due to unjustified litigation and escalating annual workers’ compensation costs. The ASIWCF was formed in 1978 to fill this voice and meet the needs of Alabama business owners across the state.

ASIWCF is one of the oldest self-insured group funds in the nation, and has been a stable source of protection despite industry changes and economic ups and downs. The group played a key role in shaping state regulations ensuring companies have a choice in workers’ compensation coverage.

Since its creation over forty years ago, the ASIWCF has placed great emphasis on sound financial management and customer service—its top two priorities. Loss control is a business’s first line of defense for cost savings. To ensure the best results, ASIWCF partners with Employer’s Claim Management Inc. to support its members’ safety efforts with on-site risk visits and targeted training programs. Its claim management services work directly with injured workers, their medical care providers and employers to implement the best possible claim resolutions and ensure positive outcomes for all.

The ASIWCF insures payrolls exceeding $6 billion, and providers coverage to over 150,0000 employees in Alabama. ASIWCF represents companies of all sizes in the manufacturing, construction, wholesale, retail and service industries. “Our diverse member base is the key to our success, reducing risk concentration and enhancing long-term stability,” said Loren Traylor, director of program development at ASIWCF.

“We have remained a strong and stable leader in a competitive and highly dynamic industry. We’ve become a leader in member education and cost control, and set the standard for innovative ways to reward members for reporting a favorable experience,” said Traylor.

Currently, there are 26 states that allow self-funding for workers’ compensation coverage. The ASIWCF offers employers choices for obtaining cost effective workers’ compensation coverage. They are the market leader in providing state-of-the-art predictive analytics that continue to drive down costs and utilization. Employers benefit from the cost savings, and workers benefit from receiving the highest quality of care through their ASIWCF coverage.
When asked about future plans, Traylor said, “We want to continue to lead the market in providing cutting-edge tools to ensure exemplary loss control management and customer service.  We want to be known as an industry partner with a reputation for integrity, enabling our members to contribute to the economic vitality of Alabama.”

By state law, self-insured group funds in Alabama must be sponsored by an association. The ASIWCF is sponsored by the Business Council of Alabama (BCA), the state’s largest association of business owners. The BCA is committed to fighting for a business-friendly environment and helps to attract businesses to Alabama. “Support from the BCA has played a key role in our consistent success,” said Traylor.

Business owners across the state can rest assured knowing they are protected from unforeseen costs due to an employee’s medical care, and employees take comfort in knowing they have the best quality care available if they suffer from an accident on the job. The ASIWCF has been a trusted partner for Alabama business owners for nearly 40 years, and a proud member of the BCA.

About the Business Council of Alabama: For more than three decades, the Business Council of Alabama has been Alabama’s foremost voice for business, standing up for Alabama businesses that are the job creators and innovators driving our state’s economy. Through this Business Spotlight Series, the BCA tells the stories of these businesses that proudly call Alabama home and in the process, we hope to show why we work hard every day making a sweet home for business. For more information about the BCA, please visit their website.

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12 hours ago

Conservatives should stop using the phrase ‘fake news’

Liberals have overused the word “racist” so much that the adjective now lacks any commonly agreed upon definition, and that’s a shame because we need words — especially that word — to mean something.

Conservatives have now done the same thing with the phrase “fake news.”

And we need to stop.

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Are there racists? Of course, and where they are found, the label should indeed apply. The Alt-Right’s Richard Spencer is a racist. So is Jared Taylor.

But you’re not a racist if you believe our country should have borders. Or if you support law enforcement. Or if you believe in school choice.

Calling you a racist for supporting those things is the left’s attempt at shutting off debate and banishing those who advocate for such ideas.

Is there fake news? Of course, and just like the word “racist,” when it’s found, the label should apply. Dan Rather’s infamous story about George W. Bush’s record in the Air National Guard is a perfect example. It wasn’t true.

But news isn’t fake if it’s simply something you don’t like or would rather not hear. Or if it challenges your perspectives. Or if it, heaven forbid, says something unflattering about the president.

A racist is someone who actually hates people of another color and wishes them ill. Most people called ‘racist’ today are nothing of the sort.

Fake news means the story is a total fabrication. A lie. Complete fiction. Most stories called ‘fake news’ are also nothing of the sort.

In both cases, people making the charge simply want to delegitimize their opponent’s argument rather than make the mental and emotional effort to challenge their ideas.

The casualty of such total weakness is not just words, but thought itself.

As our fellow Alabamian Helen Keller wrote in her memoir, she wasn’t able to really think until words entered her mind that day at the water pump.

Words opened Helen Keller’s mind.

Don’t allow words to close yours.

13 hours ago

Grand jury considers Alabama woman’s stabbing of husband with sword

A grand jury in Alabama will hear the case of a woman accused of fatally stabbing her husband with a sword.

Authorities say 50-year-old Jeannette Hale stabbed her husband, Mark, in the chest while he played a guitar in their home on April 2.

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Lawrence County Sheriff Gene Mitchell tells AL.com that responding deputies found Mark Hale bleeding on their front porch. The sword was in the yard.

Mitchell says the husband later died at a hospital. An autopsy released Wednesday said the cause was complications of being stabbed.

The sheriff says Jeanette Hale was arrested on charges involving domestic violence and drugs.

(Associated Press, copyright 2018)

13 hours ago

Poly Sci 101: Gov. Ivey’s monument ad is a prime case of political framing

“Special interests” and “politically correct nonsense” are responsible for efforts to remove Confederate monuments from public spaces, Gov. Kay Ivey says in a recent campaign ad.

At a campaign appearance earlier this week in Foley, Ivey made similar statements on the issue.

“We must learn from our history. And we don’t need folks in Washington or out of state liberals telling us what to do in Alabama,” she said, according to Fox 10 News. “I believe it’s more important that if we want to get where we want to go, we’ve got to understand where we’ve been. And I believe that the people of Alabama agree with that decision and support protecting all of our historical monuments.”

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The conversation about Confederate monuments raises some intellectually and morally stimulating questions: What is their function? Do they function as objects of praise or as objects of historical memory? Who ought to determine whether they stay or go?

I’ll leave those questions aside for now because I want to address how Gov. Ivey has articulated the monuments issue.

George Lakoff is a cognitive scientist who has done a lot of research examining how politics and language intersect, particularly how language is used by individuals and groups to present their opponents in ways that welcome easy refutation. Usually, this means the misrepresentation of those ideas or opponents or, at the very least, a simplistic representation of them.

Lakoff refers to this as the act of “framing,” calling “frames” the arguments or scenarios set up by framing.

Here are a few assumptions that Ivey’s frame makes: Monuments are not only a way to learn from our history, but they are central to learning from our history; non-Alabamians and political enemies are trying to tell us what to do in advocating for monuments’ removal; monuments are a way to ensure that Alabama gets “where it wants to go,” politically, socially, culturally; that Alabamians are opposed to monument removal.

There are obvious political benefits to framing the issue this way. Knowing our history is clearly important. Who could argue that? Alabama is a sovereign state. Nobody wants outsiders tampering with decision-making.

What the frame excludes is an argument demonstrating why monuments are central to learning from our history, and how their removal would prevent us from learning from our history. It also excludes names of individuals or groups who have come from afar to tell us what to do.

It’s undeniable that folks from all around the country want Confederate monuments removed all around the country, and some may even be funding that effort from afar, but the major weakness of Ivey’s frame is a failure to acknowledge the Alabamians who are arguing for monument removal.

Birmingham City officials have advocated their removal.

Tuskegee Mayor Tony Haygood said the city has considered the removal of a Confederate soldier monument in the middle of town.

A Tuskegee graduate wrote a petition last year to the have the same monument removed. The petition garnered more than 1,000 signatures.

City officials in Selma have shown a similar resolve over the years, if not to have a monument removed then to cease the city’s contribution to its maintenance.  

Obviously, Ivey doesn’t have time in a 30-second ad to deconstruct the monument debate’s complexity, and I understand that, but her frame doesn’t accurately articulate who is representing the monument removal view in Alabama.

@jeremywbeaman is a contributing writer for Yellowhammer News

14 hours ago

Alabama legislators should follow Iowa’s lead in protecting the unborn

“If we conservatives truly believe abortion is what we say it is — the butchering of an unborn person — then ending the practice must be our top priority.”

Those were the words of Yellowhammer’s very own J. Pepper Bryars last week in an article he wrote after Congress failed, once again, to ban Planned Parenthood from receiving federal dollars.

Bryars couldn’t have been more accurate in his criticism, but I believe his words are also an indictment of the entire pro-life movement. For far too long we have played defense on the issue of abortion, attempting to hold the status quo while never really producing any substantial legislation on the issue. Not since Casey in June of 1992 have we attempted to make any real challenge to Roe v. Wade.

It’s for that reason that Alabama should follow in the footsteps of the lawmakers from our sister state of Iowa, who last month passed one of the strongest pro-life bills we have seen in decades.

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Iowa Senate bill 2281 (the text of which can be found here), known as the Heartbeat Billwould legally prevent all abortions after the first detectable fetal heartbeat has been discovered, except in the very rare case of a medical emergency.

In other words, only when it is concluded by medical personnel that the life of the mother is in danger can an abortion be performed. Not only does it not make the exception for rape and incest as pro-choice legislators like to commonly reference, but it would also charge any doctor that performs an abortion after a fetal heartbeat has been detected with a Class D felony, punishable by up to 5 years in prison.

Why this matters: The earliest fetal heartbeats can be detected is 5-6 weeks after conception, which is right about the time most women are initially discovering they are pregnant. However, new research from the University of Oxford suggests that a fetal heartbeat may be detected as early as 16 days after conception. With the risk of women dying during childbirth decreasing significantly since the 1970s and the recent trends in fetal research, it is clear that a bill such as this could effectively end 99% of abortions statewide.

Also, by creating legislation that defines life as beginning the moment the first detectable heartbeat is discovered we will be using the same red line that is already in use by most professionals in the medical community.

If I were driving home from work one night and had a terrible car accident, medical personnel after arriving on scene and finding me unconscious would immediately check for a pulse indicating whether I had a detectable heartbeat. If a detectable heartbeat is found, I would be considered a living person. If a heartbeat can be used by the medical community as a means of declaring when a person is living after birth, then it makes no sense why we wouldn’t use the same scientifically backed means of declaring life prior to birth.

For far too long the pro-life movement has focused on arguments surrounding fetal viability and gestational timelines, allowing our opponents on the issue the opportunity to define the terms of the debate for us.

Finally, simply passing a bill such as Iowa’s heartbeat bill would only be the beginning of the fight. There is no doubt that the ACLU, SPLC, and every pro-choice organization in the country would descend upon our state capital like locust filing every legal challenge to the bill imaginable. They would organize large protests where people in hats resembling female genitalia will gnash their teeth, but the resulting legal challenge would finally give us the opportunity to eventually stand before the Supreme Court and reargue the merits of the worst decision it has produced since Plessy v. Ferguson.

So, it is incumbent upon our legislators to truly reflect on the very pointed philosophical question Bryars raised regarding what we truly believe as conservatives on the issue of protecting unborn life.

Do you, Governor Kay Ivey, believe as you so eloquently stated that “fighting for our freedoms means fighting for the unborn”?

Do the members of our State Legislature and the pro-life community believe this as well?

If so, then the time has long since passed for us to stand by our words and attack Roe at its very core.

@dannybritton256 is a veteran of the Iraq and Afghanistan wars and lives in Athens.

14 hours ago

Alabama forward Braxton Key says he will transfer

Alabama sophomore forward Braxton Key is leaving the team and plans to transfer.

Crimson Tide coach Avery Johnson said Friday Key has been granted his release. He says Key “certainly has a bright future, but he has to do what’s best for him.”

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Key started 17 games last season after missing the first 10 with a knee injury. He averaged 7.0 points and 5.3 rebounds per game.

He led the Tide in scoring his first season and was named to the Southeastern Conference’s all-freshman team. Key averaged 12 points and 5.7 rebounds as a freshman while ranking second on the team in assists.

He says it wasn’t an easy decision to make.

The Tide is also expected to lose point guard Collin Sexton, who declared for the draft.

(Associated Press, copyright 2018)