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For Your Benefit
This section of Mutual Benefit Group's Web site is posted for
your benefit. It includes the latest news from MBG, including
new products, pricing, service options, articles featuring safety
tips for home, highway, and business, and links to other sites
that will provide you with valuable information on insurance,
health and safety topics. Check back often for updates.
Consumer Articles:
MBG − There for you when it matters most
Managing an aging workforce
Links to Insurance, Health, and Safety Tips:
INSURANCE-RELATED SITES:
Advocates
for Highway and Auto Safety
Join the coalition to improve highway and auto safety through
public policy.
Coalition
Against Insurance Fraud
Learn how to avoid being victimized by insurance fraud.
IIHS (Insurance
Institute for Highway Safety)
Crashworthiness evaluations, fatality facts, and more! A must
read before you purchase a car.
NAMIC (National
Association of Mutual Insurance Companies)
Learn more about the industry to which Mutual Benefit belongs.
AICPCU/IIA (American
Institute for Chartered Property Casualty Underwriters/Insurance
Institute of America)
A valuable online resource for professional insurance education.
HEALTH-RELATED SITES:
American Association
of Pediatrics
An organization committed to the health and well-being of infants,
children, and young adults.
Health On the Net
Foundation
Use the MedHunt search engine to find valuable medical sites,
hospitals, and medical support.
Mental Health
Net
An award-winning guide to online mental health, psychology, and
psychiatry resources.
U.S. Department
of Health and Human Services
Access the U.S. government's principal agency for protecting the
health of all Americans.
Healthfinder
Browse the listed categories or conduct your own keyword search
to access a database of health-related information.
4 safety.com
Safety tips and products for protecting you, your children, your
home, and your business. Extensive links to safety organizations
and publications. A must see!
AUTOMOBILE SITES:
Advocates
for Highway and Auto Safety
Keep on top of the latest issues and policies, print policy statements
and fact sheets on numerous topics including teen divers, air
bags, and more!
Car and
Driver
An online version of the magazine. Useful information including
numerous online issues, a buying guide, and classifieds.
AAA Foundation
for Traffic Safety
A must for parents of TEEN DRIVERS. Find educational materials,
statistics, online quizzes, and more! driver-ZED allows teens
to gain real-world driving experience on your PC!
www.safety.org
Become a more informed driver! Tips on jump starting, hydroplaning,
air bags, and more! IIHS (Insurance Institute for Highway Safety)
Crashworthiness evaluations, fatality facts, and more! A must
read before you purchase a car.
MBG − There for you when it matters most
Over 1,000 Mutual Benefit policyholders found themselves filing a homeowners claim following the recordbreaking snow and ice storms that pelted Pennsylvania and Maryland in February 2010.
But suppose you suffered storm damage to your home...likely your largest investment...and you had no insurance coverage? Could you afford to replace a roof damaged by the weight of three feet of snow? How would this affect your financial future, especially during the tough economic times Americans currently face?
“We were there for you yesterday; we’ll be there for you tomorrow.” MBG makes this promise to its policyholders each day. This promise to pay for your covered losses brings with it peace of mind—nothing you can touch or see, but one of the most valuable things you can buy. MBG is in business to protect the things you value: your house, your car, and your personal belongings. The average person likely would not have enough cash to replace such items if they were suddenly damaged or completely gone. By insuring your home and auto, you are buying protection. Your payment is in the form of periodic premiums, which are pooled with the premium payments of all other policyholders. This pooling creates a larger fund that MBG uses to pay for policyholders’ covered losses.
CONSIDER THE CONSEQUENCES
Have you ever considered what you and your family would do if you came home and found that your house had burned down while you were gone? This unpleasant situation happens to thousands of people every day. If you didn’t have insurance who would you call? Where would you live? Would you have access to enough money to pay for hotel expenses, food expenses, and to purchase new clothing? How about money to build a new house and then furnish it? Thanks to your insurance coverage, this life-changing chain of events will typically begin and end with answering the first question: Who would you call? You would call MBG’s Direct Reporting Claim Hotline at 1-800-290-6361 and let MBG handle the rest.
Auto insurance provides the same peace of mind. If you were injured in an auto accident could you afford to pay for all of the medical costs? Or, consider the financial consequence of legal action brought against you for a liability claim. You would be faced with attorney’s fees, and possibly a considerable cash outlay if judgment was awarded against you. What if you were in an auto accident and either you or your vehicle suffered injury or damage by an uninsured motorist? Without auto insurance, you’d find yourself paying for all your expenses - medical costs, possible lost wages, auto repair, and any other property damage.
REVIEW YOUR COVERAGES
Take the time now to review the coverages and policy limits provided by your insurance policies before a loss occurs. Consulting with your independent insurance agent is a good way to start. By discussing your unique situation and needs, your agent can best advise you on the coverages and limits you need to restore your life following a loss.
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Managing an aging workforce
Thirty years ago the average age of employees was 29. Today, however, employers are managing workers with an average age of 45. With the increase in age comes an increase in potential for work-related injuries that affect older workers differently than younger workers. Older workers may bring more safety experience to the job; however, once injured, their recovery time could be twice as long as younger workers. Employers need to understand how to accommodate an aging workforce in their risk management plan.
ABOUT OLDER WORKERS:
They bring more life experiences to the job.
They may be slower to grasp new concepts or to come to a decision.
However, the quality of their decisions is not affected.
Vision and hearing weaken, and more fatigue sets in between the ages of 40 - 50. As a result, more errors may occur and slower productivity may result.
After 60, physical strength rapidly declines while job requirements remain the same.
Driving is the leading cause of death for employees over 55.
After 65, employees are more likely to experience falls.
WHAT EMPLOYERS CAN DO:
Encourage safe work practices.
Provide proper lighting.
Provide shorter and more
frequent break periods.
Practice task rotation to avoid stress/strain on any one muscle set.
Encourage participation in vision programs.
Encourage weight-bearing exercise and wellness programs.
Provide an adequate amount of time for training.
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