COVERAGES
The University of Maryland, Baltimore, as a State of Maryland
agency, is automatically covered under the following blanket
policies. Coverage is provided through use of commercial carriers
and the State self-insurance program.
The outlines of coverage contained herein are only brief summaries
of the coverage. For precise interpretations , or if questions
of coverage arise, please contact Jeff Kiefer at 410.706.7043
or via e-mail at jkiefer@af.umaryland.edu.
I. AIR TRAVEL
All University employees are automatically covered
for injuries received while traveling on the business
of the State and further such injuries are received
while the employee is : riding in, getting on, getting
off, or is struck by an aircraft.
DEFINITION: The phrase "traveling on the
business of the State"means any trip made
by an employee on assignment by or with authorization
of the State for the purpose of furthering the
business
of the State.
EXCLUSIONS: This Air Travel insurance does
not cover injuries incurred when they result from:
A. The Employee functioning as a pilot
member of the crew, or if the employee has
any duties pertaining to the operation of
the aircraft;
B. Injuries are sustained while traveling
between the employee's residence and regular
place of employment, while on vacation, or
while on authorized leave of absence;
C. Injuries are caused by suicide or
attempted suicide, sane or insane, or
D. Injuries are caused by act of declared
or undeclared war.
BENEFICIARY DESIGNATION: It is not necessary
to fill out a beneficiary designation form every
time the employee has occasion to fly on business
if the employee is a member of one of the several
retirement systems in the State of Maryland. The
indemnity for loss of life of an employee shall be
payable:
A. To the beneficiary or beneficiaries
designated by the employee under the State's
retirement system;
B. To the beneficiary or beneficiaries
designated, in writing, by the employee on
the State of Maryland Air Travel Accident
Insurance Beneficiary Designation Form (See
Appendix A);
C. In the absences of A or B, to the
estate of the employee; all other indemnities
payable shall be paid to the employee.
- Maximum Coverage: $ 300,000 Per person
- $1,500,000 Per accident
- Deductible: None
II. AUTO/FLEET PHYSICAL DAMAGE AND
LIABILITY
The Maryland self insurance program provides physical
damage coverage for accidental damage to any State-owned
vehicle. Liability coverage is provided for bodily
injury and property damage for which the State of
Maryland, it's agencies, or employees may be held
legally liable to others. All auto/fleet accidents
have a $1,000 deductible which the State agency is
responsible for. (See Appendix B for forms and procedures
to report vehicle/fleet accidents)
DEFINITION: State vehicle, for purpose of this
coverage, is defined as any vehicle owned by, hired,
leased, loaned to, or used on behalf of the State
of Maryland.
EXCLUSIONS: For employees who use their own
automobiles on State of Maryland/University business:
A. Liability coverage: is extended
only after the employee's personal auto insurance
is exhausted, but only up to the limit of
the State's coverage.
B. Physical damage: the state will
not be responsible for any physical damage
to privately owned vehicles driven by a State
employee on State business. When an employees
is compensated by way of a mileage allowance
for use of his/her personal vehicle comprehensive
and collision insurance is considered in
setting the allowance.
C. Personal injuries sustained by employees
are covered by Workers Compensation
D. Medical payments coverage for non-employee
passengers is limited to first-aid expense
at the time of the accident.
Return to Table of Contents
III. BOILER AND MACHINERY
The State provides coverage for damage caused by any
sudden and accidental breakdown of a covered object
through a program of self-insurance and commercial
coverage. (See Attachment C for forms and procedures
to report boiler and machinery claims) Coverage is
based on repair or replacement cost less $1,000.00
deductible for which the University is responsible.
DEFINITION OF OBJECT: "Object" shall
mean any boiler, fired vessel or electric steam generator
designated and described in the Schedule and shall
also include: 1. any steel economizer used solely
with such Object, 2. as respects any such Object
which is a steam boiler, any piping on the premises
of the insured, or between parts of said premises,
with valves, fittings, traps and separators thereon,
which contains steam or condensates thereof, generated
in whole or in part in such an Object.
DEFINITION OF ACCIDENT: "Accident" shall
mean a sudden and accidental breakdown of the Object
or part thereof; but Accident shall not mean (a)
depletion, deterioration, corrosion or erosion of
material; (b) wear and tear; (c) leakage at any valve,
fitting, shaft seal, gland packing, joint or connection;
(d) breakdown of any vacuum tube, gas tube or brush;
(e) breakdown of any electronic data processing equipment;
(f) breakdown of any structure or foundation supporting
the object or any part thereof; (g) any explosion
of gas or unconsumed fuel within the furnace of any
object or within the passages from the furnace of
said object to the atmosphere; nor (h) the functioning
of any safety device or protective device.
PROCEDURES:
Any sudden and accidental breakdown of an
insured "Object" must be
reported immediately to the Risk Management Division,
who will complete the "Claim
Form for Boiler/Machinery Damage/Loss" and
report the incident to both the Claims Unit - Insurance
Division of the State Treasurer's Office and the
Commercial Insurance carrier to set up and coordinate
the necessary inspection by the the "Boiler
and Machinery" Technical Specialist. The Technical
Specialist examines the damage and prepares a report
for the Claims Unit related to the coverage for the
loss. It is the responsibility of the appropriate
Facilities Management mechanical representative to
identify an appropriate contractor to repair the
boiler and to verify charges related to labor and
equipment. The original invoice must be forwarded
to the Risk Management Division for submission to
the Claims Unit - Insurance Division for payment
directly to the vendor.
IV. FIDELITY BOND
Fidelity Bond Coverage is a "blanket" coverage
to indemnify State agencies against loss of money
or other financial instruments through fraudulent
or dishonest acts of employees (i.e full-time, part-time,
contractual, and elected) during the performance
of their duties. Students under the direct jurisdiction
and control of University (State) officials who are
required by law to give individual bonds for faithful
performance of their duties, against loss acts or
defaults of subordinates are included. Claim must
be filed with Risk Management and the State Treasurer’s
Office no later than thirty (30) days from discovery
of the disappearance and must lead to documented
proof of loss identifying the specific employee(s)
involved. A report must be filed with the University
Police no later than the claim is filed with Risk
Management. There is a $ 1,000.00 deductible that
will be deducted from any claim certified for payment
by the Claims Unit - Insurance Division of the State
Treasurer’s Office. V. MALPRACTICE INSURANCE
(Student)
The University in conjunction with the Insurance Division
of the State Treasurer's Office currently maintains
three (3) programs of malpractice insurance offering
coverage to properly enrolled students. Two of the
programs are provided through commercial insurance
while the third is offered through self-insurance.
Eligible students participating in approved clinical
courses in Nursing, Pharmacy, Social Work, Physical
Therapy, Medical Technology, Pathology, and Human
Genetics are enrolled in a blanket insurance policy
obtained through the State Treasurer. The following
is a breakdown of the major points of the program:
1. Each school's eligible program submits
in late summer the estimated number of students
who will be participating in clinical programs.
The combined estimate for all University
schools is submitted by Risk Management to
the Insurance Division of the State Treasurer's
Office.
2. A listing of each program's participating
facilities is submitted to Risk Management
in the late summer. This listing includes
the facility name, address, phone number,
and contact person as well as which program
is providing the students. After these listings
are submitted to the Insurance Division,
the insurance broker/agent will issue a certificate
of coverage to each listed facility.
3. Faculty engaged in actual clinical instruction
are also covered under this policy.
4. Coverage is currently
provided under a "claims
made" policy
with $1,000,000/
$3,000,000 in limits.
5. Students are billed through Student Accounting
(Financial Services) each semester for their
portion of the premium based upon their enrollment
in designated clinical courses. Eligible
enrolled students participating in the clinical
programs in the Dental School (including
Dental Hygienist) are covered under a separate
commercial policy that covers the operation
of the entire clinical operation. The program
highlights are listed below:
1. All students properly enrolled
in an eligible clinical course are
covered under this blanket policy.
2. All faculty who are registered
to instruct in the clinical program
are also covered.
3. Coverage is under a "claims
made" policy.
4. Students are billed through Student
Accounting (Financial Services) for
their premium based upon the program
and year in which they are enrolled.
Eligible students in the Medical School (not including
Physical Therapy, Human Genetics Counseling, and
Pathology) are enrolled in a self insurance program
administered by the University of Maryland Medical
System.
1. Students are billed through Student Accounting
(Financial Services) for their premium.
2. A statement of coverage can be requested
for any non-UM facility in which an eligible
student is participating in a clinical program.
Any questions regarding these programs should be directed
to Mr. Jeff Kiefer or Angela Boxley on 410.706.7043
or by e-mail at jkiefer@af.umaryland.edu or aboxley@af.umaryland.edu VI. PROPERTY
A "Blanket Property Insurance" program
is provided against all risks of direct physical
loss
or damage to State property. The specific perils
of fire, flood, wind, hail, explosion, smoke, vehicle
damage etc. are covered under a combined program
of commercial coverage and self-insurance. The property
insured under this program includes all buildings
and contents, materials and supplies, and machinery
and equipment of any agency while located within
the State of Maryland. Special arrangements can be
made for property located outside of the State. Deductible
is $1,000.00 per incident.
When a loss occurs a "REPORT OF INCIDENT INVOLVING
STATE BUILDING OR EQUIPMENT" must be prepared.
This form must be completed in as much detail as
is possible or necessary to describe exactly what
occurred. The form must be signed by a member of
the Risk Management Division and filed with the Claims
Unit-Insurance Division of the State Treasurer's
Office.
Coverage for damaged or destroyed property
is on a "Replacement
Cost Basis". If a loss creates an emergency
or hardship which required immediate removal of debris,
emergency repairs or replacement of equipment to
mitigate the loss these emergency repairs will also
be covered as part of the claim. All procedures involved
in the repair or replacement of property will be
performed under the supervision of the Department
of Facilities Management. All invoices for material,
supplies, or for contractor's labor will be sent
to the Risk Management Division for submission to
the Claims Unit-Insurance Division for payment directly
to the vendor by the Treasurer's Office. Invoices
paid in error, by the agency, are not reimbursable.
EXCLUSIONS: Losses, by a State agency, that
are not covered included:
A. Losses caused by normal wear and
tear, deterioration, rust or corrosion, mold,
wet/dry rot, contamination, inherent or latent
defect, settling, cracking, shrinkage, bulging
or expansion of pavements etc.
B. Delay, loss of market, business
interruption or consequential loss of any
nature.
C. Theft or mysterious disappearance
of State property.
VII. LIABILITY INSURANCE
Sometimes referred to a Tort Liability, Liability
Insurance protects the University and/or its employees
from liability imposed by law for bodily or other
personal injury or damage to property resulting from
negligent acts or omissions. Locations on campus
where liability claims most frequently originate
are in elevators, parking garages, and on University
owned sidewalks. Most involve a slip, trip, fall,
elevator door or parking garage gate arm. The University
is assessed a $1,000.00 per claim deductible.
As detailed in Annotated Code of Maryland, State Government
Title 12, Section 12-106(b) (1) and 12-107 (a) (1)-(5),
all claims against the State of Maryland or any of
its agencies must be submitted, in writing, by the
claimant to the Claims Unit-Insurance Division of
the State Treasurer of Maryland within 180 days after
the injury to person or property.
VIII. WORKER'S COMPENSATION
In accordance with state law requiring
all employers to carry Workers Compensation Insurance,
the university
participates in a state plan administered by the
Injured Workers Insurance Fund (IWIF). In order to
be a"compensable" or covered injury, it
must arise out of the employment and NOT daily activities.
Since the program is a "no fault system" the
employee does not have to demonstrate negligence
on the part of the employer nor does any negligence
on the part of the employee preclude coverage. The
information provided below is to act as a guide and
is not an official policy statement.
At the university, injured employees
are sent to the Student and Employee Health
Center for initial evaluation
(See procedures outlined below). The employee may
elect to see another physician of their choice once
the initial visit is completed. Additional treatment
and accident leave are only covered if the injury
is ruled to be "compensable" by IWIF and
the employee is deemed "eligible" by the
university.
Below are some definitions provided by the Maryland
State Employee Risk Management Program of that might
proved helpful in understanding the Workers Compensation
process:
-
Workers Compensation - A system of protection
that provides benefits for employees injured
in work-related accidents.
-
Compensable Injury - An injury/disability arising
out of and in the course of employment while
performing actual job duties.
-
Accident Leave- University
authorized leave paid at
2/3 of normal rate to one of its employees
suffering
a compensable injury. A University Physician
must certify that
the compensable
injury disables the employee. Accident
Leave is limited to
no more than Six (6) months in most cases.
In
no case can Accident Leave exceed twelve (12) months.
Injuries
requiring
leave
beyond the maximum allowed in that case will result
in the
employee
being placed on sick leave. Once sick
leave is expired,
IWIF will pay the employee compensation
in accordance with the Worker’s Compensation
Commission’s award.
-
Light or Modified Duty- A program under which
certain university departments will allow their
injured employees to return to work at full pay
but with limitations on the type of work required
of them due to the nature of their injury. The
university and its departments are not required
to have light or modified duty programs nor to
offer it to all of its employees. Light or modified
duty is limited to no more than one hundred eighty(180)
days.
GUIDELINES FOR INJURED
WORKERS SEEKING MEDICAL ATTENTION
A MINOR INJURIES
1. Page Ms. Harriet Mandell (Student and Employee
Health Center) at (410) 512 - 0021.
a. Advise her that you are an injured UM employee. Describe
nature of injury / exposure.
b. Arrange for an appointment to be seen at Student and
Employee Health (SEH).
c. Notify supervisor of injury.
d. Complete the "Employee’s
First Report of Injury" form (available
from your department or Risk Management) and take
with you to SEH. Distribute copy of completed form
to supervisor.
2. If there is NO response from # 1 within 10 minutes:
a. Call Nurses Station "A" at SEH on (410)
328 - 0713 and request to speak with person handling
workers compensation calls in Ms. Mandell’s absence.
b. Follow steps a through d from # 1 above.
B. MAJOR INJURIES
1. If serious or life threatening, contact the University Police
by dialing 711. They will arrange for emergency response / transport.
a. Advise or have fellow employee advise your supervisor
of situation.
b. Request that your supervisor complete "Supervisor’s
Report of Injury" and fax it to Risk Management
at (410) 706-1520.
c. When able, complete "Employee’s
First Report of Injury" and fax to Risk
Management at (410) 706-1520. Notify Risk Management
if you are to be off work or on modified duty. Note:
If employee is unable to initiate the above, the
supervisor or co-workers should do so.
2. If injury is not life threatening but requires immediate medical
assistance, go to the UMMS Emergency Room , advise your supervisor
promptly of your injury and follow steps a through c in section
B.1 above.
C. BLOODBORNE PATHOGEN EXPOSURE (NEEDLESTICKBLOODBORNE
PATHOGEN EXPOSURE (NEEDLESTICK)
1. During normal business hours, If you are exposed to
any human blood , blood products, body fluids or other infectious
materials by direct contact, contact SEH by paging Ms. Harriet Mandell on (410) 512-0021 in accordance with steps A. 1 - 2 from
above.
2. If after normal business hours, page the Bloodborne
Pathogen Exposure Hotline at (410) 328 - 2337Page number 7845.
Follow their instructions and steps A.1.c and d.
D. MEDICAL TREATMENT
- Employee should hand the multi-part "Employee’s
First Report of Injury" to staff at Student
and Employee Health.
- Receive medical treatment to possibly include diagnosis,
treatment, prescription authorization, return exam request,
and referral to specialist. There is NO charge to the
injured employee for the first visit nor any IWIF authorized
follow-up treatment for a compensable injury.
- Employee should obtain copy
of "Medical Services
Form" completed
by the Attending physician or staff.
This form should be reviewed by the employee’s
supervisor and then given to the departmental
timekeeper.
E. OBTAINING ACCIDENT LEAVE
- An injured employee who
has received an SEH physician’s
recommendation to stay off work will do so on conditional "accident
leave" until a determination as to the compensability
of the accident is made by IWIF and the employee is deemed "eligible" by
the University.
- The University’s Workers Compensation insurance
administrator, IWIF, will determine if the accident is
compensable and that the employee is entitled to Accident
Leave. If Accident Leave is authorized, The employee
must give to their supervisor a completed and signed
copy of the Medical Services issued by SEH. The form
must clearly state that the employee is authorized to
be off work due to the injury. The employee must also
be "eligible" in accordance with
Human Resources Management policies and procedures.
F. MODIFIED DUTY PROGRAM
- The University has an authorized"Modified
or Light Duty" program under which injured
workers, with approval of the treating physician,
are allowed to return
to work under certain conditions. These pre-approved
conditions are that the assigned task(s)
do not cause additional injury or aggravation
of existing injury.
- Not all departments have
modified duty programs available for injured
employees. An employer
is NOT obligated to
have a "modified duty plan" NOR
are they required to create a special job
for an injured worker.* The University
System of Maryland limits the amount of time
an employee maybe on "modified or light
duty" to
no more than one hundred eighty (180) days
in a twelve (12) month
period.
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