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... formed for the purpose of putting back into Philadelphia's work force recovering drug and alcohol users. Upon entering treatment, 80 percent of these recovering addicts are unemployed. PECORA's program pre-approves applicants for potential hire, requiring that they be drug or alcohol free for at least 90 days before they are offered employment. Beal got involved in the program six years ago when a long-time friend, Rich Montgomery, called on him for a favor. Montgomery, who works for the Department of Labor and Industry for the Commonwealth of Pennsylvania, was seeking ... called PECORA (Private Employers Council on Reemployment Assistance) . PECORA, composed of businessmen, community leaders and several big corporate sponsors, is a nonprofit, private organization formed for the purpose of putting back into Philadelphia's work force recovering drug and alcohol users. Upon entering treatment, 80 percent of these recovering addicts are unemployed. PECORA's program pre-approves applicants for potential hire, requiring that they be drug or alcohol free for at least 90 days before they are offered employment. Beal got involved in the program six years ago when a long-time ... lost his new position, Beal soon suspected that an alcohol problem was the culprit. He took his former worker and friend to get counseling and eventually offered him a full-time job with a full benefits package if he would agree to enroll in a rehabilitation program at Miremount Center. The center provides an important link between Beal and employees undergoing rehabilitation for substance abuse problems. Not only did Beal offer the worker a full-time job, he also provided help to his family during this period. His intervention paid off. After only 28 days ...

...rug or alcohol free for at least 90 days before they are offered employment. ...s intervention paid off. After only 28 days, the employee was back at work and...

...d, and shelter in the hours or even days following an earthquake or other majo...s, including patient evaluation and treatment of non-life-threatening injuries...

...particularly in the health field. Today, more than half of the doctors and den...ade available to the employee under treatment or evaluation. Any other parties...

...s designed with claims in mind from day one. Why Claims and Policy...timeliness, documentation, and fair treatment, has only intensified. Platforms...

...mium on his or her way to work each day than he or she will ever write in his ...l the best time to do this is 60 to 90 days prior to when the existing coverag...

...ity insurance to cover the costs of day-to-day living. The agent's first job is to co...hance of being totally disabled for 90 days than of dying About 6% of th...

... these supplies on hand: Flashlights with spare batteries. Matches or candles should not be used after an earthquake unless you are certain there are not gas leaks. A portable radio with spare batteries. Radios might be your sole source of information for as much as three days. First aid kit and first aid knowledge. It's helpful to have several family members know CPR. Food. Keep a supply of non-perishable food on hand that can be rotated into your diet and replenished on a regular basis. You should have a supply good ... . Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to appraise your damage. Following a catastrophe, insurance companies schedule adjusters so that the most serious losses get priority treatment. Those policyholders are the most in need. 4. Keep all receipts for expenditures you've made to repair damage or to estimate the extent of your damage. 5. Prepare a detailed inventory of all damaged or destroyed personal property for the adjuster. Be sure ... process claims, making copies to serve as duplicates. Our assembly-line operation called for those answering our eight incoming phone lines to take initial claims information, as the others pulled customer files and still others entered policy numbers and coverage descriptions. We moved a disk to the center of the office and designated it an information center. We attached a sample ACORD form for each personal lines company we represent with required claimed information highlighted. Some need only the client's name, policy number, and a description of the damage; others required more information ...

...e; and estimated replacement cost today. Include as much of this data as is av...ince we were without power for several days and couldn't find a generator to p...

... training of emergency response teams COMMUNITY EMERGENCY RESPONSE TEAMS (CERT) A major disaster can overwhelm the resources of even the best-prepared cities. Individuals, organizations, and communities may be cut off from food, water, first aid, and shelter in the hours or even days following an earthquake or other major disaster. Many organizations and communities have developed volunteer training programs. Training in basic self-help functions can reduce injuries, loss of life, and property damage. I recently completed a Community Emergency Response Team training program taught by firefighters and ... the LAFD CERT program covers: 1. Overview of earthquakes and information on non-structural hazard mitigation 2. Fire-suppression techniques, including sizing up threats, fire chemistry, extinguisher types and use, and utility control 3. Disaster medical operation, including triage, transportation, and treatment area management 4. Additional disaster medical operations, including patient evaluation and treatment of non-life-threatening injuries 5. Light search and rescue operations, emphasizing limitations and dangers of various building constructions 6. Incident command system for organizing teams and logistical planning, as well as psychology ... requirements of the OSHA bloodborne pathogens standard Shutdown procedures Chemical spill control procedures Use of self-contained breathing apparatus (SCBA) Search and emergency rescue procedures Hazardous materials emergency response in accordance with 28 CFR 1910.120 RESPONSE ACTIVITIES Effective emergency communication is vital. An alternate area for a communications center other than management offices should be established in the planning phase, from which the emergency response coordinator should operate. Provide emergency alarms and ensure that employees know how to report emergencies. Maintain an updated list of key personnel and off-duty telephone numbers. Establish a system ...