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STEPS TO PROTECT YOURSELF AFTER A NATURAL DISASTER

By Personal Perspective

There is nothing more heart-wrenching then watching a natural disaster destroy everything you’ve worked your whole life to build. It’s one of the worst feelings of victimization because there is no one to blame. Even if you are left railing against fate, you can’t lose sight of the fact that behind that natural disaster lurks individuals who want to turn your bad luck into their good fortune.

Major tragedies produce individuals who take advantage of victims by passing themselves off as insurance claims inspectors, contractors, or insurance company representatives. Keeping this in mind, there are steps you can take to protect yourself and your family.

To help arm yourself against fraudulent individuals, the Independent Insurance Agents & Brokers of America (IIABA) has outlined five steps you should follow after a natural disaster:

  1. If a contractor approaches you and claims to be from your insurance carrier, but you haven’t reported a loss, be sure to verify his or her identity. Ask to see state or local licenses and write down the license numbers. Also, ask for proof that any contractors you choose have Liability and Workers Compensation insurance.
  2. Make sure your policy covers the types of repairs needed. If possible, have your insurance company send a representative to assess the damage and provide a probable cost to repair. This will give you a reliable basis for negotiating repairs with contractors.
  3. If your policies require you to obtain multiple estimates, always try to obtain two or three written repair bids. The bids should include all costs, what work will be done, schedule for completing work, and any associated guarantees. Never pay for repair bids. Most reputable contractors won’t charge you simply for bidding on your job.
  4. Never accept offers to increase the amount of your damage with the reasoning that it will be paid by the insurance company. This is a sure sign of a scam and you could be found guilty of committing fraud, too.
  5. When paying for repairs, try to have the insurance carrier pay the contractor directly. Never pay for work in advance or before completion. The contractor could disappear with your money and leave the work unfinished. Deposits should be about 20% (or less) of the total projected cost. If you do pay for the repairs yourself, pay only with a check or credit card. A contractor who demands cash might be trying to avoid paying taxes or buying legally required insurance. And, if the contractor asks for more money due to unforeseen damage or increased costs, be cautious before allowing work to continue. Make sure your insurance carrier is aware of the cost increases and agrees to payment before proceeding.

Of course, contracting isn’t the only way to make an illegal buck. The Internet provides an opportunity for the unsavory to profit from the unsuspecting. A favorite Internet scam after a large-scale tragedy is collecting charitable donations to aid those affected. Elaborate Web sites encourage you to give, but is it a well-known charity? In spite of how authentic they might appear, never give to any unrecognizable charitable organization. There are a number of well-known disaster relief agencies, like the Red Cross and Salvation Army, to whom you can contribute.

It might not be as readily apparent as the other types of scams, but natural disasters can be a huge opportunity for identity theft. During hurricanes or floods, personal and financial documents are washed out of homes and randomly scattered for thieves to find. A treasure trove of birth certificates, marriage licenses, driver’s licenses, personal checks and credit cards can fall into the hands of the unscrupulous. If you live in area that is prone to natural disasters, it is a wise idea to keep important documents in a bank vault or in a strong steel box that you can take with you in an emergency.

PROTECT YOURSELF WITH SHORT-TERM HEALTH INSURANCE WHILE LOOKING FOR A NEW JOB

By Life and Health

If you find yourself in between jobs, you have already discovered that finding affordable Health insurance is no easy task. While COBRA provides you the right to continue your previous employer’s coverage, the monthly premiums can be downright unaffordable.

Many people find Short-Term Health insurance, also called Temporary insurance, to be an affordable alternative to COBRA. This coverage helps bridge the gap between having an employer-sponsored plan and waiting for your next job.

Leaving a job often means leaving Group Medical coverage behind, a risky move if you don’t have other insurance options. Short-Term insurance policies help remove the gamble, but they typically only protect against unforeseen sickness or injury. Pre-existing conditions are usually excluded.

Premiums for Short-Term coverage are usually much cheaper than the premiums paid for COBRA. However, the costs can still seem high for a person who just lost their job. It could be tempting to forgo insurance altogether, but financial security is the main reason people buy Short-Term Health insurance in the first place.

Without coverage, an unexpected trip to the hospital could send a person deep into debt. In fact, several published studies cite medical bills as a leading cause of bankruptcy. Short-Term Health insurance is designed to cover these catastrophic events.

Beyond financial protection, Temporary insurance can also help prevent future insurance claims from being rejected under HIPAA, or Health Insurance Portability and Accountability Act, laws. If an individual maintains creditable insurance coverage without more than a 63-day break in coverage, they are considered to have maintained continuous coverage, and exclusions for pre-existing conditions would not apply. This applies even if the Short-Term policy excluded coverage for those same pre-existing conditions. Approved Short-Term insurance policies are considered creditable coverage.

The terms of short-term medical plans usually run from 30 days to a maximum of one year, depending on state requirements. Some policies are designed to provide coverage for a specific number of days with premiums paid upfront, while other policies offer flexible monthly payment plans.

Since Temporary insurance is only designed to last a few months, policyholders still need to plan for a long-term solution. If you find a new job and enroll in your new employer’s Group insurance plan, make sure to find out when the new coverage starts. Although it’s not a long-term solution, people in transition should consider Temporary insurance as an interim solution to ease financial and healthcare concerns.

PREMIUM TERM INSURANCE: FINDING THE MIDDLE GROUND

By Life and Health

Anyone who has ever shopped for Life insurance has faced the difficult task of choosing between a Term and Permanent policy. The choice isn’t as clear-cut as it might seem: Although Term insurance might be less costly in the short run, Permanent insurance features an attractive cash benefit. Not surprisingly, having to choose between these two types of coverages intimidates many prospective policyholders. In fact, some consumers are so baffled by this decision that they don’t purchase any coverage.

Fortunately, there is a new type of coverage for those consumers who just can’t decide what policy to buy. Return of Premium Term insurance (ROP) is a hybrid product that provides Term coverage with a twist: Policyholders get all of their paid premiums back if they are still alive at the end of the term.

To understand how ROP combines the best traits of Term and Permanent insurance, let’s compare them side-by-side. If you purchase Term insurance, you pay a set premium for a fixed term, usually between 10 and 30 years. Term rates are low, especially if you are young and healthy. However, your money only buys you a death benefit: If you are still alive at the end of the term, you receive nothing.

Permanent insurance, on the other hand, provides the same death benefit protection, but also allows you to build cash value within your policy. This balance is handy if you need money for emergencies, college tuition, etc. The downside is that you can expect to pay for this benefit through significantly higher premiums.

ROP gives the consumer the best of both worlds by providing the protection of insurance together with the savings component. With such a policy, if you die, your beneficiary receives a lump sum death benefit. But if you live through the term, the insurance company returns all of your premiums. While ROP is an appealing choice for all kinds of individuals, it is especially useful for purchasers who need to fill a temporary need, such as:

  • Insurance coverage for a key employee
  • Individuals who are planning to refinance their homes
  • Divorcees who are required to purchase insurance as part of their divorce decree

Although ROP has many advantages, consumers should keep in mind that the cost of this coverage is somewhat higher than a typical Term policy. And if you need to extend your policy past the initial term period, expect to pay significantly higher rates. The best strategy is to examine all options, carefully weigh the costs and benefits of each, and pick the one that can do the most for you.

HOW MUCH AND WHAT TYPE OF LIFE INSURANCE IS RIGHT FOR YOU?

By Life and Health

Calculating the right amount of Life insurance takes a lot of research, and can be quite a balancing act. You want to make sure that you have enough Life insurance to adequately protect your family. On the other hand, if you buy too much Life insurance, you’ll feel financially strained — which means you’ll be more likely to cancel your policy in a crunch. If you’re trying to figure out how much Life insurance you need, here are a few things to keep in mind:

FIND THE RIGHT POLICY

There are two basic types of insurance policies: Term insurance and Cash-Value insurance. Term Life insurance covers you for a specified amount of time, anywhere from one to 30 years. These policies are less expensive because they are designed solely for protection. Many people choose Term insurance because they figure their need for Life insurance will decrease as they get older. Term insurance is also good option for those who want to protect their children until a certain age.

Cash-Value Life insurance covers you for your entire life and includes Whole Life, Universal Life and Variable Life policies. These policies act as both an insurance plan and a savings tool, which makes them more expensive. Because the insurance company actually invests some of your premium, this type of policy increases in value over time. You can borrow money from the policy, although outstanding loans will be subtracted from the ultimate death benefit. In most cases, both the premiums and death benefit remain the same throughout the life of Cash-Value policies.

FIGURING THE RIGHT AMOUNT

There are a few different ways to calculate the amount of Life insurance you need to adequately protect your family. Some experts say that you should simply multiply your annual income by three times while others say you need at least eight times your annual salary.

However, many professionals say this “income multiplication” method is not accurate enough. Because each family faces a unique set of circumstances and needs, you might want to consider some factors other than annual income. Figuring out the right amount Life insurance requires a comprehensive evaluation of your financial goals, debts, investments, lifestyle and habits.

EXPENSES TO CONSIDER

As you try to determine how much Life insurance you need, you should think about the expenses your family would face if something happened to you. Start by making a list of short-term expenses, such as medical and hospital expenses, funeral arrangements, attorney fees and outstanding debts, taxes and loans. Then add that amount to all the long-term expenses your family would face, such as your home mortgage, college tuition for your children and living expenses.

You should also factor in other sources of income, such as your spouse’s salary, Social Security survivor’s benefits and investments. And don’t forget to consider the cost of inflation. Once you take all of these expenses and sources of income into account, you’ll probably arrive at a much more realistic amount than simply “four times your income.”

WHAT CAN YOU AFFORD?

Although you might know how much Life insurance you’d like to offer your family, you have to be realistic about how much you can actually afford. The primary objective of Life insurance is to protect your family. Therefore, you should choose a policy that you can comfortably fit into your budget so you won’t be tempted to cancel it.

Research shows that half of all people who buy a Whole Life policy end up cancelling it within the first 10 years — most likely because these policies are expensive, and it can be difficult to keep up with the premium payments. Because Term insurance is relatively inexpensive and easy to understand, it may be the perfect solution for families on a budget.

Figuring out how much and what type of Life insurance you need is a complex process that involves a lot of research and thought. Meet with one of our financial advisors or insurance experts, who can help you determine how much insurance you need and what you can realistically afford.

IMPORTANT RULES FOR EVALUATING CONTRACTOR’S ALL RISK POLICIES

By Construction Insurance Bulletin

Construction is a high risk industry. Personal injuries and property damage occur frequently, and these events ultimately cost the contractor money. Many times such claims could be covered under a Contractor’s All Risk (CAR) policy.

CAR policies, commonly referred to as Course of Construction or Builder’s Risk policies, insure against physical loss or property damage to works, plant, equipment and materials during the course of construction. Such policies can be complicated so contractors should take care to ensure that any coverage adequately covers the risks of the construction project to be undertaken. Many contractors can be caught short by failing to evaluate their potential liability risks in relation to the policy they are considering.

Here are some important rules to evaluate CAR policies:

  • Conduct an insurance audit with a risk manager or broker to determine potential liability and any risk not covered by your current policy.
  • Consult with your broker because many insurers can customize the coverage to match the needs of the project. The insurer needs time to do this effectively, so don’t wait till the last minute.
  • Take note of exclusions because while most are expressly stated, others can be implied and can radically limit your protection. One frequently implied exclusion is consequential loss relating to loss of profits and expenses as an indirect result of the cause of the claim. Naturally occurring events such as deterioration due to mildew, rust, or obsolescence may also be deemed as implied exclusions.
  • Confirm there are no unusual limitations on the measure of damages. The method in which your insurance carrier determines damages can significantly affect your bottom line.
  • Carefully consider the period of coverage as it normally only extends to when the contractor is on site and ceases when the client takes possession. Ensure there is extended coverage should problems develop later on.
  • Technological changes using business information technology opens many contactors to new risks if they incorporate design management in the construction project. Additionally, construction companies which use BIM also have to consider potential losses due to hacking or data corruption that would not likely be covered under a CAR policy.
  • Review the excesses and deductibles to be applied by your insurer to determine if they are reasonable.
  • Fully document your damages with the aid of an experienced consultant, as CAR carriers will strive to reduce the cost of damages. Costs stemming from prolongation of the claim may be restricted to maximum excess limitations.
  • Use a legal consultant especially when preparing a major claim. They can guide you through any potential red tape and aid in negotiating a proper settlement.

HIGHER WORKERS COMPENSATION COSTS ARE A RESULT OF INCREASED USE OF MEDICAL SERVICES

By Construction Insurance Bulletin

In December 2003, the American College of Occupational and Environmental Medicine (ACOEM) developed a set of medical protocols, backed by scientific findings, for the treatment of injured workers. Occupational medicine physicians and other specialists involved in the medical care of workers developed these guidelines to provide practitioners with:

  • A step-by-step outline to assess the patient’s condition, and to educate the patient about that condition.
  • Specific guidelines about what physical findings and/or test results are required to establish a diagnosis.
  • A methodology for identifying the role psycho/social factors plays in a worker’s response to treatment.

The effectiveness of these guidelines was documented in a study titled Acceptance and Self-Reported Use of National Occupational Medicine Practice Guidelines, published in the April 2000 issue of Journal of Occupational & Environmental Medicine.

Ninety-five percent of those polled reported that the guidelines improved their practice in some manner. Fifty-two percent of physicians thought that guideline use decreased medical costs. Seventy-one percent reported that their care complied with the guidelines in 70% or more of their cases. The researchers concluded from their study that physicians’ attitudes toward the guidelines were positive and that reported compliance was high.

However, a 2006 study conducted by the National Commission of Compensation Insurance (NCCI) titled Workers Compensation vs. Group Health: A Comparison of Utilization, showed that compliance with ACOEM protocols had dropped considerably since 2000. In fact, the researchers uncovered significant growth in the number and mix of medical treatments practitioners provided compensation patients. The study, which compared 2001-2002 to 1996-1997, found that the number of treatments for all diagnoses increased 45%, except for injuries such as knee and leg sprains, which had increased as much as 80%.

But increased levels of treatment and unnecessary testing are just the tip of the iceberg. There are some other serious outcomes resulting from over utilization:

  • The barrage of doctor’s visits, tests, prescriptions, therapy sessions, etc., convinces the employee that they are getting all of this treatment because they are seriously injured. The employee begins making emotional decisions, and overlooks their economic well being. This kind of response often results in lawsuits and the loss of a valuable employee.
  • More narcotics are being prescribed as part of the treatment program, resulting in addiction among some employees.

Given these outcomes, it is incumbent upon employers to select a doctor who will follow evidence-based treatment protocols. The doctor should be in agreement with the ACOEM philosophy that it is important to return the injured employee to the workplace in the appropriate time, whether to their own job, or to a modified position.

The best way to find the right doctor is to talk to other local companies, asking if they use physicians who are specifically trained in occupational medicine. After you have found the right doctor, establish a line of communication. Be sure your doctor knows that their recommendations and restrictions will be respected. They should also be fully aware of the return-to-work possibilities that exist within your company so that they can make the appropriate decision for their patients.

COMPLETED OPERATIONS COVERAGE IS A NECESSITY FOR CONTRACTORS

By Construction Insurance Bulletin

A construction site is a dangerous place. Power tools, scrap wood and metal, heavy equipment — all of these can cause serious injury or property damage. Loss control efforts normally focus on prevention of accidents on job sites. However, the possibility of a loss that could drag a contractor into court does not end when the project is finished. The contractor’s work stays behind and can be the source of serious liability claims. Consider the following examples:

  • Six months after a roofing contractor finishes work at a bank, melting snow enters through the roof and ruins several network servers.
  • A railing installed by a metalworker collapses as a man leans against it. The man falls ten feet and suffers severe back injuries.
  • An overhead door malfunctions and closes on top of a new pickup truck. The owner seeks recovery from the contractor who installed the door.

Loss prevention and proper insurance are just as important after the job is done as they are while work is in progress. Standard Liability insurance policies cover a contractor’s liability for injury or damage arising out of completed operations. The insurance company considers the contractor’s work to be complete when one of these first occurs:

  • All the work required by the contract is complete;
  • All the work to be done at a job site is complete (when the contract requires work at multiple job sites); or
  • When the contractor’s work is put to its intended use by someone other than another contractor working on the same job site.

The company will provide the contractor with legal defense and pay for any settlement or judgment that results from accidents arising out of completed work. Of particular note, it will pay for the restoration, repair or replacement of any property made necessary because the contractor performed his work on it incorrectly. The company will not pay for such a loss while the job is still in progress, but it will pay after the work is completed.

For coverage to apply during a particular policy period, the injury or damage must first occur during that period. For example, assume that a siding contractor installed aluminum siding on a house. While making improvements several years later, the homeowner discovers extensive rotting of the plywood and joists inside the walls. A third party concludes that the interior damage resulted from faulty installation of the siding. Since the damage most likely began at the time of installation, the policy that was in effect at the time of the job will provide coverage. On the other hand, if a contractor builds a deck and it collapses 18 months later, injuring four people, the policy in effect at the time of the collapse will provide coverage, not the one in effect at the time of the job.

The insurance company will not pay for damage to the contractor’s own work if the damage arose out of the work. For example, if an electrical contractor’s faulty wiring fries a circuit board he installed, the insurance will not cover the damage. The insurance policy should not be confused with a warranty.

One important caveat is that a form covering a third party as an additional insured might not provide completed operations coverage for that party. The form most commonly used to add coverage for an additional insured no longer provides this coverage. A separate form has been created to address this gap in coverage. Since many construction contracts will require subcontractors to provide this coverage, subs should verify with their insurance agents that they have it.

By its nature, construction is dangerous work, and that danger continues to some extent long after the contractor has moved onto the next job. It is vital that contractors have appropriate completed operations insurance in place to protect them if something goes wrong.

EEOC ISSUES GUIDANCE ON RELIGIOUS HARASSMENT AND DISCRIMINATION UNDER TITLE VII

By Your Employee Matters

On July 23, 2008, the EEOC updated its pronouncements on the meaning of “religious discrimination” under Title VII, how to manage and address competing employee rights in the area of religion, and how to avoid engaging in religious discrimination in the workplace.

The EEOC issued three documents: an update to its Compliance Manual Section on religious discrimination; a “Question and Answer” document addressing basic issues in that area; and a “Best Practices Manual” that provides suggested strategies for legal compliance. The documents are intended to provide guidance to employers, employees, and legal practitioners, as well as EEOC investigators addressing religious claims under Title VII. Broadly speaking, the documents address definitions (e.g. what is religion), fundamental legal questions (e.g. what is religious harassment or discrimination and what is required to accommodate religion); and compliance guidance (e.g. how to avoid claims, how to balance demands to engage in religious expression versus demands to be free from workplace proselytizing).

What is ‘Religion’?
As the EEOC Q&A document explains, “For purposes of Title VII, religion includes not only traditional, organized religions such as Christianity, Judaism, Islam, Hinduism, and Buddhism, but also religious beliefs that are new, uncommon, not part of a formal church or sect, only subscribed to by a small number of people, or that seem illogical or unreasonable to others. An employee’s belief or practice can be ‘religious’ under Title VII even if the employee is affiliated with a religious group that does not espouse or recognize that individual’s belief or practice, or if few — or no — other people adhere to it. Title VII protections also extend to those who are discriminated against or need accommodation because they profess no religious beliefs.” Under this broad view of “religion” adopted by the EEOC, an employer has virtually no ability to question an employee’s assertion that he/she is “covered” with respect to asserted religious beliefs (or non-beliefs).

The same Q&A document identifies a “religious practice” that might trigger the accommodation duty: “Religious observances or practices include, for example, attending worship services, praying, wearing religious garb or symbols, displaying religious objects, adhering to certain dietary rules, proselytizing or other forms of religious expression, or refraining from certain activities. Whether a practice is religious depends on the employee’s motivation.”

The EEOC notes, however, that mere personal preferences are not “religious beliefs” even if they are strongly held. Thus, a person who personally espouses or adheres to vegetarianism would not in most cases be espousing a religious belief. Similarly, using an example from the Compliance Manual, an employee’s tattoos and body piercing would not be deemed religious (such as to require an exemption from a company dress code) where it was advanced as a form of self-expression through body art (as compared with rooted in a religious tradition or belief).

Religious Harassment and Discrimination
The EEOC explains that discrimination includes treating individuals disparately because of their religion in the terms and conditions of employment (e.g. interviewing, hiring, firing, promoting, and the like). It also includes differential treatment generally. As the EEOC Q&A document explains, “For example, if an employer allowed one secretary to display a Bible on her desk at work, while telling another secretary in the same workplace to take the Quran off his desk and out of view because co-workers ‘will think you are making a political statement, and with everything going on in the world right now we don’t need that around here,’ this would be differential treatment in violation of Title VII.” Similarly, adopting different security requirements for adherents of some religions (e.g. Muslims) as opposed to others would be religious discrimination.

The Compliance Manual has this to say about harassment: “Religious harassment in violation of Title VII occurs when employees are: (1) required or coerced to abandon, alter, or adopt a religious practice as a condition of employment (this type of ‘quid pro quo’ harassment might also give rise to a disparate treatment or denial of accommodation claim in some circumstances), or (2) subjected to unwelcome statements or conduct that is based on religion and is so severe or pervasive that the individual being harassed reasonably finds the work environment to be hostile or abusive, and there is a basis for holding the employer liable.” Permitting or tolerating harassment of employees by customers is equally illegal as is permitting such conduct by managers or employees.

Compliance Guidance
Perhaps most useful is the EEOC’s guidance on how to avoid claims and fulfill obligations under the law. The EEOC Best Practices Manual suggests that employers ensure that their policies explain the legal obligations in this area. Supervisors and managers should also be trained to understand when an issue of religious discrimination and/or a duty of accommodation arises and how to respond to it. The Manual and the other EEOC documents provide examples that can help employers balance the rights of employees to express religion against the right to be free of undue religious pressure in the workplace.

(Courtesy, Shaw and Rosenthal of the Worklaw® Network)

EMPLOYEE CONDUCT AND THE ADA

By Your Employee Matters

Most employees with disabilities can maintain acceptable conduct on the job. However, on occasion, some employees with disabilities might exhibit unacceptable conduct at work. These situations leave employers with concerns about discipline, accommodations, and the ADA.

The Job Accommodation Network (JAN) consulting service provides job accommodation ideas helping employees with disabilities perform their jobs. Although it might seem challenging to identify such accommodations, following these guidelines can help resolve these workplace issues quickly:

First, create a workplace policy on conduct. Provide clear explanations of expected, and prohibited, behavior. Specific behaviors to address might include: destruction of property, using profanity at work, insubordination, or leaving one’s work area. Vague statements such as “employees must act professionally” might be interpreted many ways, and it can be difficult to determine whether or not an employee’s behavior complies with such a statement. Precise wording of your policy can help ensure that employees understand the policy. Provide your policy to employees and offer training and periodic reviews to ensure compliance.

Next, train managers and supervisors to apply your policy in a consistent and reliable manner to all employees. Applying a policy often means “counseling” employees on conduct issues, using “performance plans,” or disciplining employees for conduct violations. The ADA does not require employers to withhold or rescind disciplinary actions from employees with disabilities, nor to lower standards of conduct. Furthermore, the ADA does not prevent employers from maintaining safe workplaces (free from violence or threats of violence). Require managers and supervisors to apply your policy equally to all employees.

Then, encourage employees with disabilities to request job accommodations that ensure compliance with your conduct policy. Job accommodations can help minimize the likelihood of employees with disabilities violating your conduct policy, such as attendance rules or computer use guidelines.

Some examples of job accommodations that help employees with disabilities comply with conduct policies are:

  • A sales manager with anxiety is required to participate in staff meetings by sharing one thought or idea with the group. Due to her disability, she has difficulty speaking in front of groups. The employer allows her to submit her idea or thought via e-mail soon after the staff meeting.
  • Due to chronic pain, a retail employee experiences irritability during long work shifts when medications wear off. Thus, it becomes difficult to maintain satisfactory customer service. As a job accommodation, the employer shortened the employee’s work shift, which helped manage pain, lessened irritability, and improved the employee’s customer service.
  • A claims processor who had ADHD frequently disrupted teammates with impulsive communication and socialization. To help control his behavior, the employer provided a job coach to teach strategies for managing impulsiveness and reinforcing appropriate workplace conduct.
  • An employee with depression enjoyed reading inspirational phrases on various Web sites to help her manage her mood at work. However, using office computers to surf the Internet violated company policy. The employer suggested bringing inspirational books to work, and allowing her to read short portions throughout the day.

Finally, if job accommodations don’t prevent conduct violations, or if employment separation is imminent due to the severity of the conduct violation, proceed with termination. Be prepared to show that the conduct standard was job-related and consistent with business necessity. According to the EEOC Guidance on ADA and Psychiatric Impairments http://www.eeoc.gov/policy/docs/psych.html, some conduct standards might not be job-related for a specific position, and if not, imposing discipline or termination could violate the ADA.

Some JAN users are concerned about the outcome of a recent court case called Gambini v. Total Renal Care, Inc., 486 F.3d 1087 (9th Cir. 2007). The case, from Washington State, involved the discipline and subsequent termination of an employee with bipolar disorder. Washington’s State Human Rights Commission issued guidance on this case: http://www.hum.wa.gov/DisabilityMatters/Gambini.html

JAN strives to help employers understand their responsibilities under the ADA, and hopes that this article will help you succeed in writing and implementing conduct policies in your business.

Suzanne Gosden Kitchen, Ed.D.
Senior Consultant

(Courtesy of the Job Accommodation Network)