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------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/pres.xml Content-Transfer-Encoding: quoted-printable Content-Type: text/xml; charset="utf-8" ------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/editdata.mso Content-Transfer-Encoding: base64 Content-Type: application/x-mso QWN0aXZlTWltZQAAAfAEAAAA/////wAAA/AJAAAAAAAlBAEAAAABAAAL8AQAAAASNFZ4 ------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/slide0001.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" Risk Management: What do you have to lose?
Risk Management:  <= br> Wha= t Do You Have to Lose?
Presented by:
John Rose, Risk Manageme= nt Consultant
Erin Will, Loss Control Specialist
Intr= oductions to ISA   Erin Will and John Rose
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charset="windows-1252" Risk Management: What do you have to lose?
Over= view & Objectives
<= span style=3D'font-family:"Arial Narrow";font-size:88%'>nWhat is risk management= and how does it work?
nDefinition of risk management
<= span style=3D'font-family:"Arial Narrow";font-size:88%'>nCan I really manage risk?  How?
nRisk management process=
= <= span style=3D'font-family:"Arial Narrow";font-size:88%'>nWhere is risk lurking?&= #13;
nLoss scenarios—could th= is happen to you?
= <= span style=3D'font-family:"Arial Narrow";font-size:88%'>nWhat can I do about it?=
nPractical solutions and resources
<= span style=3D'font-family:"Arial Narrow";font-size:88%'>nQuestions and answers
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What= is Risk Management?
Terms to Know…
<= span style=3D'font-family:"Arial Narrow";font-size:88%'>nRisk =
nThe possibility of suff= ering harm, loss, damage, or other negative occurrence, caused by internal or external vulnerabilities.
<= span style=3D'font-family:"Arial Narrow";font-size:88%'>nRisk Management (tradit= ional definition)
nA structure process for controlling loss.
<= span style=3D'font-family:"Arial Narrow";font-size:88%'>nEnterprise Risk Management
nThe culture, processes,= and tools to identify strategic opportunities and reduce uncertainty.  ERM is a comprehensive <= span style=3D'position:absolute;top:33.59%;left:3.02%;width:91.3%;height:16.4%'= >view from both operatio= nal and strategic perspectives and is a process that supports the reduction of uncertainty, operati= onal eff= iciency, and provides the exploration of opportunities as well as increased stakeholder v= alue.
L/R<= span style=3D'mso-spacerun:yes'>    a quality indicator    What I learned….
------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/slide0014.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" Risk Management: What do you have to lose?
What= is Risk Management?
More Terms to Know…
nLiability
nAny legally enforceable obligation.
nLoss Ratio
nTotal losses paid/Total earned premium.
nWhy is this information valuable?
nBut beware when looking= at loss ratio…
<= span style=3D'font-family:"Arial Narrow";font-size:83%'>nShock losses
nDoesn’t necessarily ind= icate a safe environment (not all incidents are = claims)
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Risk Perception and Tolerance 3D"high
Risk Perception:
Subjec= tive judgment that people make about the characteristics and severity of a risk. 
Peo= ple tend to have exaggerated fears due to = inadequate or incorrect information.
Risk Tolerance:
The de= gree of uncert= ainty that an organi= zation can or is willin= g to handle in regard= to a negative change= .
Expl= ain Peoples Perception   Perception Survey     Tolerance=3Dexperience & knowledge   ‘comfort level”  ie: driving too fast
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2/zooqpbEo2m1zSroPJJazq7wtymBg4+vSiiipjsUz//2T== ------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/slide0013.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" Risk Management: What do you have to lose?
Risk Management Process
Ho= w can I handle risk?  What can I do abou= t it?
3D"Cycle
STEP 1
Identify Risk
STEP 2
Assess/Prioritize
STEP 3
De= cide on
Ri= sk Treatment
STEP 4
Implement
STEP 5
Monitor
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Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" Risk Management: What do you have to lose?
Identification: Where Does Risk Lurk?
nCompliance
nLicensure
nOSHA
nFLSA
nCorporate Compliance
nInsurance
nFederal, State, Local…
nAccreditation <= /span>
nOperational
nFraud – Theft – Fiscal
nEmployment Practices
nPolicies and Procedures <= /span>
nFacilities
nAdministrative
nISP, IEP, IHP, IPUP
nDisaster/Crisis
nTechnology
nAuto
       Environmental
§<= /span>Economy
§<= /span>Natural Disasters = ;
§<= /span>Competition
Some risks can be insured, but some can’t…
------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/slide0007.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" Risk Management: What do you have to lose?
Loss % by Line of Coverage
The highest frequency<= /b> of claims reported <= /span>are auto related
The most severe of claims reported
relate= to General & Professional Liability =
FREQUENCY
SEVERITY
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Coul= d This Happen to You?
=
•A grou= p of individuals and staff are having lunch at a local <= span style=3D'font-family:"Arial Narrow";font-size:88%;text-shadow:none'>Burger King.  One of the individuals leav= es the group to use the bathroom.  His ISP states that he is able to use the <= span style=3D'font-family:"Arial Narrow";font-size:88%;text-shadow:none'>bathro= om unsupervised.  While in the bathro= om, the individual is sexually assaulted by another Burger K= ing <= span style=3D'font-family:"Arial Narrow";font-size:88%;text-shadow:none'>custom= er.
n
Read= some scenarios    Handout sheet on Sug= gested Loss Control Measures……     Discu= ss Policies and Procedures……
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Loss Control Recommendations
nCan’t completely elimin= ate this type of exposure in the community
nSo how can you control it?
nWatch for red flags (How long is the individual in the bathroom? Who else is in the bathroom? Did another customer follow th= em in?) *Keep an eye on the people you support and know who else is around!
nUse the buddy system= 3;
nEducate consumers about safety issues (e.g. inappropriate touching)
nRespond quickly and accordingly (i.e. call the police) when an incident occurs
nCheck you insurance pol= icy: does it cover 3rd party abuse??
n
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Coul= d This Happen to You?
Your agency is hosting a gala fund raising event, complete with <= span style=3D'position:absolute;top:14.36%;left:0%;width:92.13%;height:13.79%'>= dinner, drinks, and dancing.  During the event, one of= your = employees who’s over = 21 buys drinks for another employee who’s under 21.  &= #13;
The underage employee leaves the event intoxicated and, on <= span style=3D'font-family:"Arial Narrow";mso-ascii-font-family:"Arial Narrow"; mso-hansi-font-family:"Arial Narrow";font-size:156%'>the way home, drives = his car into a tree.
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Loss Control Recommendations
nWhat programs are in pl= ace to ensure there is no underage drinking at the event?
nBracelets
nMonitors
nWho’s bartending?  If it’s a contractor, make sure the co= ntract doe= sn’t hold your agency wholly liable.
nConsider renting breath= alyzer machines
nIf someone appears visi= bly intoxicated, use the machine to see if they’re able to drive
nHave a plan to call cab= s if needed
nCheck your insurance po= licy: is liquor liability for fund raising events included?=
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Coul= d This Happen to You?
You receive a report that fire drill documentation was falsified.  Staff report that the supervisor never pulled the drill, b= ut completed paperwork indicating it was done to “remain in compliance.”
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Loss Control Recommendations
nWhat systems do you hav= e in place to verify that fire drills are actually being done?
nDo staff who participate “debrief” after the drill and sign off on paperwork that they participated? =
nIs someone other than t= he person who pulls the drills auditing?
nDo supervisors ever obs= erve drills—unannounced?
<= span style=3D'font-family:"Arial Narrow";font-size:71%'>nSystemic review and correction: do you have this problem at other locations? 
nRe-training of staff—do= they actually know what to do in the event of a real fire?
nWhat are your personnel policies regarding consequences for falsification of documentation?
<= span style=3D'font-family:"Arial Narrow";font-size:75%'>nStaff training re: repo= rting concerns is critical
n
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Coul= d This Happen to You?
A supervisor discovers that documentation regarding services <= span style=3D'position:absolute;top:33.78%;left:0%;width:89.44%;height:32.43%'>= provided is missing, incomplete, and full of errors.  T= his = documentation is what= is used to support billing for services.
------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/slide0017_image017.gif Content-Transfer-Encoding: base64 Content-Type: image/gif R0lGODlhWgAlAHcAMSH+GlNvZnR3YXJlOiBNaWNyb3NvZnQgT2ZmaWNlACH5BAEAAAAALAEAAABZ ACUAgAAAAP///wL/hB2ny5AN14u0Ojutylr2j2gcB43VZJJXuSKqdwUylSXy3NzuceN87wPyRLuQ cYj6MZLJUHN4tEFpx1bQaJLUpNqWkjR7wa4u7spXdZDDMfVyJ32gWd42Gwtbym1h8oYPOEVVdfWU NWWWNbeXJwY1gqODt/HmxPdXVOamVEe3+NP0+aeD0lcaB6rGCMIKMkcJG3nYSlv7MWubq4shtAub EyGm4giM69pjhXyKBgQpKfrYC/qKlCqpih3lx7SZ5nb95N39WAmWeVbOGbs1Hgxm9mV3h+S4iqlI fG5ZDhjZVS/OnpNbeuqQCjZGWKdqv/Kdk4WJkJyEEfWRu6dISz9ufuCyGbTG7MU8bYECihTkEcNC hR0c0kHpC2ZMVqRc0qI2k6DNWjtvIvoZBagVoYaIGhWXM6nSpUxzJfJQNE2Kj1GHBi3KcSiqrVYZ arUDliuqoOgGmu0qttrThkbhgSX70x63X5YOpb0bFtjAp3ahql14du9bv0ib5uxpOLGuAgA7 ------=_NextPart_01CAB9E5.E211FF00 Content-Location: file:///C:/6E4BB24E/DSN_presentation_files/slide0024.htm Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset="windows-1252" Risk Management: What do you have to lose?
Loss Control Recommendations
nImmediate correction of existing documentation (late entries, billing records to self-correct as needed—use contemporaneous signatures!)
<= span style=3D'font-family:"Arial Narrow";font-size:63%'>nImportant to put system= s in place to control the risk
<= span style=3D'font-family:"Arial Narrow";font-size:71%'>n“Ballooning” exposure: i= f an auditor discovers an error, the findings are extrapolated out, so errors become c= ostly quickly
nSelf-retained risk =
<= span style=3D'font-family:"Arial Narrow";font-size:63%'>nAssess levels of risk i= n each program
<= span style=3D'font-family:"Arial Narrow";font-size:63%'>nAre audits being completed?
nBy whom?
nPeer reviews?
nUtilization Review or Management Committee?
nHow frequently?  Catch it early!
<= span style=3D'font-family:"Arial Narrow";font-size:64%'>nWhat training do commit= tee members, managers, employees receive? (i.e. how do people know what’s a bi= llable service and what are appropriate documentation practices?)
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