AP Blog

By Cathy Knopf, 09/29/2020
The 2020 monthly webinars focus on best practice approaches, regulatory updates, operational and risk management techniques to help senior living communities better care for their residents and staff while protecting their business. We invite you to join our specialists at these upcoming exclusive...
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By Jason Wissmiller, 09/28/2020
Following the September 11, 2001 terrorist attacks, most insurers who had been offering coverage for War Risk exposures (which typically includes terrorism) quickly canceled those endorsements, per the coverage cancellation terms noted on the endorsements. The market for terrorism related coverage dried up almost...
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By Brian Lindahl, 09/24/2020
As senior living providers prepare for approaching renewal periods, we wanted to provide an update on our view of the changing marketplace. This will aid you and your team in determining your risk tolerance appetite and preparing your budgets for potential increased costs and decreased coverage. Unfortunately,...
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By Jim Stevenson, 09/23/2020
Does employment status really matter? The Internal Revenue Service says “yes” but the Service Contract Act says “no” when the Department of Labor enforces The Act. The Internal Revenue Service says employee status is important because it determines if the federal service contractor must...
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By Gina Ekstam, 09/22/2020
Proactive loss control is an effective approach to helping agribusinesses reduce risk, improve product quality, increase production, and boost employee morale and retention. Loss control requires top-down commitment, from management to safety directors to employees. To be successful, there needs to be a culture...
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By John Tankersley, 09/21/2020
When it comes to insuring your manufactured / mobile home, the rules are different than a standard homeowner’s policy. Most people think when it comes to insuring one’s home that it’s all pretty much the same – call your local agent, give your address and some basic information about the...
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By Nathanael Alexander, Esq., 09/17/2020
Updating a previous article, as of Friday, September 11, 2020 the U.S. Department of Labor (DOL) has indeed decided to move forward with issuing revised regulations under the Families First Coronavirus Response Act (FFCRA) after a New York federal district court struck down several of the previous provisions of...
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By David Stein, 09/16/2020
The current economic climate is forcing producers and service contractors to take a hard look at insurance costs. Usually, the first (and easiest) step is to engage their broker to market the insurance program with alternate carriers. Competition will either drive down costs or validate the current placement....
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By Brian Lindahl, 09/15/2020
As an insurance and risk management partner to hundreds of assisted living communities across the country, we would like to extend an extra special “Thank You” to our assisted living clients for providing essential care and services to those in need. In appreciation of all that you and your team...
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By Rocky Roemer, 09/14/2020
Commercial automobile insurance as a segment of the insurance industry has been consistently unprofitable for around a decade. It’s a triple-whammy: Increasing frequency - due in part to distracted driving Higher loss costs (driven up by increased prices and complexity of the vehicles themselves) ...
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Q4 Senior Living Complimentary Webinars
09/29/2020

The 2020 monthly webinars focus on best practice approaches, regulatory updates, operational and risk management techniques to help senior living communities better care for their residents and staff while protecting their business.  We invite you to join our specialists at these upcoming exclusive webinars:

Safeguarding Your Resident: Elopement Management
Thursday, October 8, 2020, 1pm EST
Register Here
According to the Alzheimer’s Association more than 50% of residents in assisted living and nursing homes have some form of dementia or cognitive impairment. Wandering and elopement are very common in this population and can be a serious and costly risk for Senior living communities. According to CNA claims data reviewed from January 1, 2016 to December 31, 2017, 58.3 percent of elopement incidents resulted in injury, with an average total paid per closed claim of $332,377.2 More than half of elopement claims occur in assisted living facilities (54.2 percent), followed by skilled nursing organizations at 45.8 percent.

Safeguarding Your Resident: Elopement Management will discuss key components of assessing and identifying residents at risk for elopement and ways to provide and maintain security to reduce the opportunity for leaving unsupervised.  This program has been approved for Continuing Education for 1.0 total participant hours by NAB/NCERS— 20211007-1.00-A69392-DL.

Return-to-Work Programs: How to Make them Really Work
Thursday, November 12, 2020, 1pm EST
Register Here
Employees of Senior Living Health Care Communities are susceptible to many different types of injuries due to the nature of their work. Missing work due to work-related injuries can be costly to the community and disrupts continuity of care to the residents.  

Return-to-Work Programs: How to Make them Really Work will discuss how to effectively develop and implement a return to work program. Discussion topics will include the benefits of having a comprehensive return to work program, creating transitional duty jobs for all levels of restrictions, getting management buy in, and working with medical providers to enhance your success rate of returning injured employees to full duty. This program has been approved for Continuing Education for 1.0 total participant hours by NAB/NCERS—Approval # 20211111-1.00-A69436-DL.

Starting Off on the Right Foot with New Admissions
Thursday, December 10, 2020, 1pm EST
Register Here
One of the first risk management strategies you can employ to prevent or mitigate a future lawsuit is to ensure that residents and their families have a realistic picture of what to expect of their time in your senior living environment. That picture is going to look different for each resident, and your facility or community needs to be prepared to paint that custom image during each new admission meeting.

Starting Off on the Right Foot with New Admissions will detail some of the most common expectations a new resident or their family members may have upon their introduction to your facility or community and suggest strategies for addressing those expectations. Ensuring that everyone is on the same page from the very beginning of the admission process is a significant step in preventing a lawsuit down the road when the expectations of the residents or their loved ones is not met. This program has been submitted to NAB/NCERS for approval for Continuing Education hours.