Welcome to the latest edition of The Alper Advisor. Click on the image to view the newsletter in its entirety.
Prior to 1996 and the Health Insurance Portability Accountability Act, medical records were in paper form. With the realization that like every other business medical providers would go digital HIPAA was enacted. Since then in 2003 the HIPAA Security Rule was published and subsequently the HIPAA Enforcement Rule and Breach Notification Rule all in an effort to keep up with technology and meet the demand of patient privacy. In the workers’ compensation arena this means obtaining and securing medical information within the HIPAA rules.
HIPAA-Health Insurance Portability and Accountability Act of 1996.
HIPAA first came about from the need to create standards for the management of electronic medical records within the health care industry. Its purpose is to allow the safe transfer of medical information from one health insurance company to the next, and from one health care provider to another. The HIPAA Privacy Rule was finalized in 1999, and it requires safeguarding of patient information against unauthorized access and disclosure.
How are HIPAA and Workers’ Compensation linked?
HIPAA’s Privacy Rule allows workers’ compensation insurers, third-party administrators and some employers to obtain the necessary medical information to manage their workers’ compensation claims. Disclosure of medical information can vary from state to state, and in some instances you do not need a medical release/authorization whereas in others you do. The Privacy Rule for Workers’ Compensation is designed to provide the minimal necessary information needed to manage a claim. State laws allow for subpoenas to obtain full medical records when needed. Continue reading
Alper continues to see stable growth, and we owe much of that to our dynamic Team of Experts. Our steady expansion means we have openings for seasoned Property and Casualty Producers. We are looking for highly motivated individuals who can foster new Client relationships and grow their current book of business. You will have access to leading insurance carriers and in-house resources to manage your Clients’ needs.
Send your resume and any questions to our HR Director Cindi Elstien. Check out our infographic for what makes Alper such a great place to work.
Oftentimes, when we work with Clients, we are asked to address a specific need of the business. As we become more familiar with their employees and routine, we uncover more areas that deserve attention. Such was the case with Michigan-based Hascall Steel Company. Through careful investigation, our Team, led by Gregg Elstien, found several opportunities to exhibit our worth, most notably when we reduced the cost of one of their coverages by $12,000 (25% savings) immediately.
Chris VanWingerden, Hascall Steel Company’s President, would tell you that this initial savings alone was great for his organization. But Alper proved its mettle by demonstrating other services that could benefit his company. “Alper Services showed us that we did not carry the proper business income coverage on five of our seven locations because of the lack of information provided by our past broker. Thanks to Alper’s Team, we now have blanket coverage over all of our locations.”
What’s more, we added six coverages to the Hascall Steel portfolio on properties that were either uninsured or underinsured including Property Off-Premises, Property of Others and Earthquake and uncovered various aircraft exposures on one of their aircrafts. Our expertise was further demonstrated when the company suffered a large property loss. “Our Tennessee location suffered significant damage due to a flood. Alper’s on-staff claims attorney recovered money under the policy that the insurance company originally declined.”
It’s stories like these which demonstrate the true benefit of doing business with us. Recently, we were appointed Hascall’s broker for its Group Health/Benefits Insurance after we offered a unique program that they feel will meet their long-term needs. “I wish all of our corporate partners had their eyes on our business like Alper Services has done,” VanWingerden said. “They are a great partner, and we look forward to finding other ways to work with them.”
We’ve announced the hiring of two leaders to strengthen our presence in the Midwest:
Brian Donnelly has been named Vice President, Health & Benefits Practice Leader, where he will be charged with overseeing and growing the Alper’s growing Employee Benefits Client roster. He helps Clients to fully leverage Alper’s thought leadership to achieve their long-term human capital and benefits goals. Brian can be contacted at 312-654-4260 or through email at BDonnelly@AlperServices.com.
Darrell Mathis joins as Director of Claims Management Services to oversee all claims management activities. He directs the Claims Management Team, which includes a workers’ compensation claims specialist, loss control consultants, and claims administrators. Darrell can be reached at 312-654-4254 or email him at DMathis@AlperServices.com.
We’re wrapping up Insurance Careers Month by interviewing Client Executive Matt Gausden. Find out what captivated his interest in the specialized job he does at Alper. Continue reading
Our second interview during Insurance Careers Month is with Account Executive Micah Kafitz. Learn more about why he made a career switch to the Insurance industry and how he found a home at Alper. Continue reading
We’re taking the opportunity this month to showcase different positions in our industry as part of Insurance Careers Month. Because we are a full-service brokerage with a diverse Client list, we employ a mix of Experts. Meet our Workers’ Compensation Claims Specialist, Cathy Higuera. Continue reading
Alper President and CEO David Macknin sat down with Jack Sweeney of the Middle Market Thought Leader podcast to discuss Alper’s future growth and our increasingly rare status as a middle-market independent brokerage. Click the play button to listen to the interview.
Podcast originally appeared on Middle Market Executive.
The new year is often about looking back at accomplishments, and looking forward to implement improvements for the coming year. In 2016, the Alper Services Team created another terrific year by best serving our Employees and Clients, and achieving some key milestones along the way:
So what will 2017 and beyond look like?
We will actively embrace and utilize rapidly changing technology to advance our Clients’ and Employees’ needs. As workplaces become increasingly paperless, we have introduced the Alper Client Portal which provides electronic access to insurance policies, auto ID cards, certificates of insurance, and other insurance information. Continue reading