DID YOU KNOW? Carfax is Your Friend AND Foe

DID YOU KNOW? Carfax is Your Friend AND Foe

Did you know that some repair facilities, including Midas and Pep Boys, share your vehicle data with Carfax?  Did you also know that Carfax sells this data to some insurance companies?  This data exchange is not a one-way street – Carfax also receives vehicle claims data from insurance companies. 

DID YOU KNOW? Beating Black Ice Could Mean A Better Insurance Rate

DID YOU KNOW? Beating Black Ice Could Mean A Better Insurance Rate

Winter is officially here and the arctic air has arrived, making it dangerous to be outside, much less on the roads. Even though we like to think we’re accustomed to tough Midwestern winters, the fact is we all tend to forget to adapt our driving styles when the season arrives. 



The Plexus Groupe’s Property and Casualty November Newsletter shares the Top 10 OSHA violations in 2018:

10. Personal Protective and Lifesaving Equipment – Eye and Face Protection

This is the first appearance of this construction standard on the list.

Standard: 1926.95
Number of Violations: 1, 536

9. Machine Guarding

Inspectors cited machine shops and manufacturers for point of operation and for guards that were not attached to machines.

Standard: 1910.212
Number of Violations: 1,972

8. Fall Protection – Training Requirements

Employers lacked competent persons to provide training as well as no written certifications that the training occurred.

Standard: 1926.503
Number of Violations: 1,982

7. Powered Industrial Trucks part 2

OSHA inspectors found forklift drivers who were not certified. In addition, employers failed to recertify drivers every three years.

Standard: 1910.178
Number of Violations: 2,294

6. Ladders

Ladder use continues to be a problem in the construction industry. Inspectors found broken steps, use of top steps and ladders not being used as intended.

Standard: 1926.1053
Number of Violations: 2,812

5. Lockout/Tagout

A general industry standard, employers did not implement an energy control program or training.

Standard: 1910.147
Number of Violations: 2,944

4. Respiratory Protection

Fit testing, medical evaluations and respiratory programs were non-existent for employers who received this violation.

Standard: 1910.200
Number of Violations: 3,118

3. Scaffolds – General Requirements

Scaffolds were not properly decked, leaving holes where a worker potentially could fall through.

Standard: 1926.451
Number of Violations: 3,336

2. Hazard Communication

Failure to train and not maintaining data sheets led to this violation for many auto repair shops as well as hotels.

Standard: 1910.200
Number of Violations: 4,552

1. Fall Protection – General Requirements

Topping the list once again is fall protection. Roofing contractors failed to provide PPE.

Standard: 1926.501
Number of Violations: 7,270

If you have questions about this newsletter or any of the OSHA safety violations identified, contact an insurance expert at The Plexus Groupe at 847-307-6100.



A new study from Deloitte Health Solutions describes the U.S. health system as a kind of “Wild West,” and says benefits users and consumers fit into four general categories in that framing.

This Employee Benefits Newsletter from The Plexus Groupe delves into a recent study that surveyed 4,530 U.S. benefits users and consumers to assess their attitudes, behaviors, and preferences when making decisions about health care and health insurance. In their frontier scenario, the Deloitte researchers said consumers can be placed in the following categories:

·       Trailblazers—tech savvy, self-directed, engaged in wellness, willing to share data.

·       Prospectors—who rely on recommendations from friends/family, use providers as trusted advisors, willing to use technology.

·       Homesteaders—reserved, cautious traditionalists.

·       Bystanders—complacent, tech-reluctant, resistant to change, unengaged.

According to the report, Trailblazers make up 16 percent of consumers. These tend to be younger, higher-income consumers. They tend to be in excellent health, and the group contained more men than women. These are consumers who are most likely to look up report cards or scorecards on doctors, hospitals, and health insurance companies. They are also the most likely to change doctors if they are dissatisfied with their communication style.

The Prospectors is the second-youngest group and made up 30 percent of respondents. This group is also the second-highest income group and consisted of equal percentages of men and women. They are more open to technology such as wearable devices and virtual office visits. They are the second-most likely group to look up quality ratings for providers and plans, and rely on word of mouth or recommendations of former providers when choosing a new provider.

The Bystanders make up 14 percent of respondents, and are the oldest and poorest segment in the survey. This group is made up of more women than men, and are the most likely to be in poor health. The Bystander group is least likely to share health information with a doctor, least likely to follow a healthy diet or exercise according to recommendations, and most likely to choose a doctor based on out-of-pocket costs and convenience.

The largest group in the survey was Homesteaders, at 40 percent of respondents. This is the second-oldest group, second-lowest income group, and consists of more women than men. This group is less open to technology and close to average when it comes to following recommendations about health diet and exercise. This group is also more interested in convenience than out-of-pocket costs when choosing a provider, and less likely to change providers, even if they are dissatisfied with the provider’s communication style.

The Deloitte report suggested a range of strategies for reaching consumers, based on where they fell in these categories. For example, they recommend offering virtual office visits and encouraging the use of wearable devices or phone apps for the Trailblazer and Prospector groups. On the other hand, the report recommends a less-high tech, more high-touch approach for the Homesteaders and Bystanders. Using case managers, wellness coaches, or engaging caregivers and family members will yield better results with these groups, the report says.

“Every consumer makes decisions differently—whether deciding on which movie to watch, what type of car to buy, or where to stay or eat during a vacation. Consumers also have different approaches to determining which health plan offers the most appropriate coverage, when and where to seek care at a hospital, how to choose a doctor, and whether a pharmaceutical product or medical device offers value,” the report says. “Organizations can use data beyond just demographics to identify which segment their population or consumers fall into—and thus better target, attract, and retain consumers.”

If you have concerns about how best to approach your employee base, contact a client service team representative from The Plexus Groupe in Deer Park, Illinois at 847-307-6100, Chicago at 312-606-4800, Dallas at 972-770-5010 or Oklahoma City at 405-840-3033.

We’re here to help and we’re happy to help.

Content provided by BenefitsPro.