Handing Down the Family Business

In a recent survey by the Family Business Institute, when family business owners were asked if the family business was meant to be handed down within the family, 80 percent responded, “Yes.”

So why is that that only 30 percent of family owned businesses survive into the second generation, 12 percent are still viable into the third generation, and only 3 percent of all family owned businesses operate into the fourth generation or beyond?

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A history of violations: One workers’ comp horror story

For most employers, workers’ compensation insurance has long been a buffer between them and the frivolous lawsuits employees could potentially file every time they slipped on a wet floor, wrenched their back picking up a box, or banged their head on a low-hanging pipe.

But that security blanket began to unravel the morning of Nov. 5, 2003.

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And the Headline Reads: Business Owner Faces Felony Charges Following Employee Death

It’s every business owner’s worst nightmare. And for Joe Novak, a West Michigan business owner, there’s no waking up from the nightmare of being held responsible for the death of one of his employees.

Novak, president and owner of Black River Builders LLC in Sparta, Mich., has been charged with one count of Michigan Occupational Safety and Health Act Violation Causing Death. The charge comes after the death of Brian Tarachanowicz on July 2, 2012.

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Can an employer really just drop employee benefits?

It’s no secret employers and employees alike are anxious about the Affordable Care Act. Timelines, decision trees, minimum benefit requirements, enough new paper notices to destroy an entire rain forest — you name it, there is quite a bit out there that employers are forced to deal with.
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Breaking Down the Silos

There are 311 million Americans in the United States and 155 million of those are workers. On average they spend half their waking lives at work (8.7 hours/day). Work affects employees’ health care options, emotional well-being and family life. In order to fully address health, we have to address what happens both at work and outside of work.

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Safety Professionals: Are You Prepared For the Risk of Sudden Cardiac Arrest?

A few years ago, a coworker had a sudden cardiac arrest on the job. While emergency workers were able to get her heart back in rhythm, too much time had passed to prevent brain damage and she died two months later, leaving behind her husband and daughter.

Her death was one of the most devastating experiences I can remember. Not only did we lose a good friend, but also a valuable member of our team. I learned as much as I could about sudden cardiac arrest (SCA) and what to do to help someone that gets it. And I made a promise to make sure companies we work with know the importance of having the necessary tools readily available should such an incident occur.

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Risk Managers: Know Your E-Mod or Pay More for Workers’ Comp

It’s hard not to feel a twinge of pain when reports show that over half of all employers overpay for workers’ compensation insurance by 15% to 50% due to unnecessary workers’ comp surcharges. It’s an enormous drain on employers’ bottom lines, often goes unnoticed (or improperly addressed) and is regularly swept under the rug by insurance companies at renewal time.

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Love/Hate Relationship with “Wellness”

Okay, I’ll admit it—I have a love/hate relationship with “wellness.” This isn’t to say that I am not a huge supporter of wellness in the workplace; that’s far from it. After all, there is no better way to solve the healthcare cost crisis than putting in place wellness programs that employers care about, that engage employees and, of course, that work.

The problem is most wellness programs don’t work.

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How to survive an OSHA audit

Even with the 7 million workplaces it covers each year, OSHA will likely find its way to your location.

Plan for an inspection by making sure you have three key items in place prior to the arrival of the OSHA compliance officer: a determination if you will ask for a warrant; a form to document what occurs during the inspection; and all pertinent documentation such as written programs, training records, inspection records, etc.

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