Our commitment to a stronger, safer Texas

TXM for Texas LogoAt Texas Mutual, we are committed to helping you keep your employees safe on the job. When an injury does occur, we are there with compassion to help businesses recover and injured workers get back to a productive life. That compassion, rooted in each of our employees, extends far beyond the 68,000 businesses and 1.4 million employees that count on us for their workers’ compensation coverage. Take a look at the short video below to see the impact we are making.

Texas Mutual has a rich history of giving back to the communities in which we live, and our employees answer the call to help those in need time and time again. The collective impact of our efforts makes a difference for Texas, and that’s why we are introducing TXM for Texas. In many ways, TXM for Texas is the work we have always done and the partnerships we’ve always had. It speaks to our continuous commitment to the safety, wellness and education of our communities – all with the goal of creating a stronger, safer Texas.

Our commitment to you

At Texas Mutual, we view safety, wellness and education as the keys to success for our policyholders and our communities. We work with organizations that share that same commitment to improve the safety of workplaces and prevent injuries, to promote workplace wellness and healthy living, and to encourage education for those entering the workforce and beyond.

TXM for Safety

Safety is at the core of everything we do. Over the past year, Texas Mutual has awarded $1 million in safety grants for TXM policyholders, our employees created safety kits for cub scouts, and we distributed $228,000 to emergency responder organizations. We will continue these efforts to support the safety of our workplaces across the state of Texas.

TXM for Wellness

When your employees are healthy, they are less likely to get injured and more likely to return to work if an injury does occur. In 2017, Texas Mutual offered $1 million in wellness grants to our policyholders, our employees delivered Meals on Wheels, and we raised $52,000 for the MS-150. We know that healthy employees are safer employees, and we’ll continue to do our part to support healthy communities.

TXM for Education

We believe that education supports the strength of this great state. Our employees volunteer with local schools, we partner with colleges to provide safety-related courses, and we provide scholarships for dependents of workers who experienced catastrophic injuries. We advocate for education and will continue to do so to serve our future workforces.

The TXM for Texas difference you will see

In the coming weeks, we will feature each of our focus areas (safety, wellness and education) here on the Texas Mutual Blog. You can also join us on Facebook, LinkedIn and Twitter to see our commitment in action. We’ll highlight the compassionate work our employees do, recognize how our nonprofit partners make a difference in people’s lives every day, and share our efforts to make a measurable change in your communities. This is our commitment for a stronger, safer Texas.

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Technology helps bring safer driving habits to Texas Mutual

You’re driving down the highway, minding your speed, when a truck flies by, cuts in front of you and slams on its brakes. You’re rightfully irritated and then you notice the truck has a “How’s My Driving?” bumper sticker. Do you take the time to pull over, call and report your experience?

driving car on highwayMore often than not, drivers don’t make the call. For years, Texas Mutual relied on these “How’s My Driving?” stickers to encourage safe driving among our employees, but with no real way to confirm if they were making a positive difference to improve driving behavior.

Safe driving is an issue we are especially aware of here at Texas Mutual. Traffic accidents are the leading cause of on-the-job injuries and death for our policyholders’ employees. It’s our mission to help our policyholders reduce these accidents and keep our own employees safe on the road as well.

That’s why in March 2015, we installed an in-vehicle monitoring system (IVMS) in more than 90 vehicles in our fleet. The IVMS uses telematics technology to transmit information about how someone is driving, which is used to identify potentially unsafe patterns.

For Texas Mutual, our IVMS is about more than just tracking driving behavior – it also offers peace of mind knowing those who travel for work on a daily basis stay safe by practicing good driving behaviors. We ask our policyholders to do all they can to ensure their workers are safe on the road, and we hold ourselves to the same standard.

How an IVMS works

The system, which takes less than one minute to install into your car’s on-board diagnostics (OBD) port, monitors real-time data. It tracks three risk indicators: speed, rapid acceleration and hard braking. Drivers and their department managers receive a weekly scorecard, similar to a school report card, which assigns an overall letter grade and a letter grade for each of the three risk indicators. The intent is to improve driving habits by informing employees of their driving behavior in a timely manner, and identifying potentially unsafe patterns of driving behavior. The reports are not used in performance reviews for disciplinary action or negative feedback.

The weekly scorecards also include distance traveled, driving time, idling cost and engine usage. To encourage friendly competition, you can also have the scorecards rank business groups within the company. Many businesses also use the technology to track deliveries and manage their fleet, and more sophisticated systems include on-board cameras that monitor the driver’s face and eyes for signs of fatigue and distraction. The cost of an IVMS varies with its complexity. Basic systems cost a few hundred dollars, while more advanced ones cost up to $1,000.

Safer drivers, fewer accidents

The IVMS technology provides reliable information and gives us insight into driving performance in a way we never had before. Since implementing our IVMS, we have seen a 61 percent decrease in preventable accidents. In its first week of implementation in March 2015, the average safe driving score at Texas Mutual was 90 out of 100, but that number has increased to 94.5 in the time since then. Our goal is for our employees to return home safely at the end of the day and the IVMS is a tool helping us meet that goal.

car-crash-emergency-workersWhen used as part of a comprehensive fleet safety program, in-vehicle-monitoring systems can help change the behaviors that contribute to traffic accidents, the number one cause of on-the-job fatalities. The technology allows you to monitor risky driving behaviors so that accidents are reduced and most importantly, employees are safe on the road.

Texas Mutual has seen tremendous success from these systems. The majority of employees consistently receive a score of A, and habits are changing for the better, both on the clock and in their personal time.

In-vehicle-monitoring systems work best when it’s part of a comprehensive safe driving program. At Texas Mutual, it does not take the place of our ongoing effort to spread the message about safe driving. Take a look at how we are reshaping our company culture to put the brakes on distracted driving. We continue to educate our employees on safe driving, and those who are on the road as part of their job must still complete a defensive driving course every two years.

If you have any questions about using an IVMS, read more here or call the safety services support center at 844-WORKSAFE. Our safety service representatives can help you determine if this system would be a good fit for your business and help you keep your drivers safer on the road.

$10 million in Hurricane Harvey Relief Grants for policyholders

Texas flag

We are heartbroken, along with many of you, about the devastation caused by Hurricane Harvey in Houston and the gulf coast of Texas. Many of those impacted by the storm are the very people whose businesses we work hard to protect every day. We are committed to offering our full support to these employers, which is why Texas Mutual is pledging $10 million to the recovery effort for our policyholders.

This funding will help employers get their businesses on the road to recovery, pay employees’ wages, and rebuild. As these companies and employees work to repair the damage and move forward, we are honored to support them.

How to apply

If you are one of those employers in need, we are here for you. Grant applications open September 13 at noon and funds will be offered on a first come, first serve basis. Current policyholders who have sustained significant damage to a business location in one of the 58 counties on the governor’s Hurricane Harvey Disaster Declaration can apply for up to $10,000 in grant funds from Texas Mutual. Policyholders must have had an in-force policy effective September 12, 2017 or earlier.

Funds can be used for payroll, building rehab or repair, machinery and equipment repair or purchase, replacement of lost inventory, and other expenses associated with rebuilding. Your application will be sent to your agent to co-sign after you’ve submitted it to us. Our review committee is ready to process applications so that we can quickly get funding to those of you in need.

To apply for a grant, visit texasmutual.com/txmfortexas. Additional grant details are available in our frequently asked questions document, or on our website. There you can also find other recovery resources for your business.

Texas Mutual is proud to be your workers’ compensation provider. We know you are the backbone of Texas’ economy – that’s why we have a responsibility to ensure your success and contribute to the resilience of this great state.

Thank you for choosing Texas Mutual, and helping us build a stronger, safer Texas.

Rich Gergasko
President & CEO

rich-gergasko

Texas Mutual goes back to school

Students in Texas are back in school but summer ended earlier for their teachers and for school staff, who spent the last couple of weeks getting ready for the start of the year. Texas Mutual employees were there to help, sending volunteers to Austin’s Lucy Read Pre-Kindergarten in partnership with the United Way for Greater Austin, and making donations to BookSpring, a nonprofit dedicated to early childhood literacy for lower income students, and Irving Schools Foundation’s Supplies for Success program in Dallas.

Thirty-five volunteers helped out at Lucy Read in Austin. They decorated, arranged furniture, made ID cards, laid colored tape paths on the floor to help students navigate the school hallways, organized the school’s office supplies and pulled weeds in nearly 20 garden beds around the campus. Texas Mutual donated glue sticks, colored pencils, construction paper, folders and other supplies, and our volunteers sorted them into 360 school supply packs topped off with good luck messages for the year. Because of Texas Mutual’s donation and the volunteers who assembled the packs, every student enrolled will have the school supplies they need for the school year, taking the burden off of parents.

book spring“I really like to be involved with our community service projects, especially with the school opportunities that we have,” said Brittany Rusciano, a Texas Mutual IT systems analyst who volunteered at Lucy Read.

She added, “I don’t think that the education system always gets the attention that it needs, so every little bit that we can help out, even if that’s just lending a hand to put some posters up or pull some weeds, that means a lot to me, and I think it means a lot to the community and the kids going to these schools.”

In addition to our Lucy Read visit, employees in our special investigations division organized a book drive for the Austin nonprofit BookSpring. They collected 219 books which will be donated to children learning to read.

“I have a big heart for books and the work that BookSpring does is very important to me,” said Fraud Investigator Mari Mendez, who helped organize the book drive.

Volunteers sort school supplies at Lucy Read Pre-Kindergarten in Austin.

Jill Gonzalez, BookSpring’s associate director, added: “This donation was very exciting because we serve 40,000 kids in the Central Texas area and we take donations every day. We take in and give out between one and three thousand books a month, so every book helps and every book makes a difference.”

In Dallas, our employees raised $2,700 dollars to purchase 250 backpacks filled with school supplies. These were for students ranging from kindergarten to high school seniors and were part of Supplies for Success’ 6,800 overall donated packs. Nineteen Texas Mutual employees helped the Supplies for Success program distribute the backpacks to Irving families.

“It’s very rewarding to help out,” said Regina Glessner, a Texas Mutual underwriter who helped distribute the backpacks. “First of all, the amount of backpacks that you see there is incredible. Then it’s great to see the families that come through, and how appreciative they are that the community comes together like this for them. It’s just amazing how many families you really do touch who would not have been able to afford school supplies for their student.”

This year wasn’t the first time that our employees helped schools kick off the academic year. The United Way is one of our primary nonprofit partners, and we have been involved with their back-to-school efforts for the last five years. This is the third year that our Dallas office has organized for Supplies for Success.

“I think it’s awesome that Texas Mutual lets us do this,” Brittany, who volunteered at Lucy Read Pre-Kindergarten in Austin, said. “It’s an investment for Texas Mutual to allow us to do these things and I think it shows that they really care about the community.”

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How Texas Mutual will continue to serve those affected by Hurricane Harvey – Updated 9/12/17

The thoughts of all of us at Texas Mutual are with our fellow Texans in Houston and the Gulf Coast region affected by Hurricane Harvey, including the employees in our Houston Regional Office. Everyone’s focus should be on the security and safety of themselves, their loved ones and their property at this time.

Disaster relief.jpgBecause of the storm, some of our Houston area employees are not available for calls or emails. However, our employees in Austin, Dallas and Lubbock are available to meet your needs. Please call (800) 859-5995 with any questions, and our information services team will provide you with necessary assistance.

Texas Mutual stands ready to help, and has the following resources available for our policyholders, injured workers and insurance agency partners. This information will be updated as further details are available.

The Texas Department of Insurance has developed a helpful resources page for anyone affected by Hurricane Harvey, including tips for claim filing, ways to avoid fraudulent contractors and more.

Employers

Texas Mutual will provide a grace period for premium payments and suspend any policy cancellations for those in areas affected by the storm, in accordance with guidance from the Texas Department of Insurance. Our premium audit team will make accommodations to ensure that our business processes do not affect your recovery operations.

On Friday, September 8, we notified policyholders who have been selected to receive safety grants that the deadline has been extended to submit receipts for reimbursement by 60 days. These policyholders can contact the safety services team at 844-WORKSAFE (967-5723) with any questions.

Texas Mutual is pledging $10 million to the Hurricane Harvey recovery effort for policyholders. Current policyholders who have sustained significant damage can apply for up to $10,000 in grant funds. Grant applications open September 13 at noon. Visit texasmutual.com/txmfortexas for information on how to apply and for other resources for your business.

Injured workers

The primary focus for injured workers should be getting appropriate care. Workers in the affected area participating in our Texas Star Network can seek treatment with any medical provider, regardless of network status, in order to ensure that their needs are met. We will try to contact workers receiving paper benefit checks to see if an alternate delivery method is necessary due to flooding.  Your adjuster is here to help, but feel free to call our main number if you are not able to reach us.

If an injured worker in one of the affected areas misses a designated doctor or requirement medical exam because either the worker or provider was unavailable, benefits will not be suspended. Further, claim reporting and filing deadlines for claims in the affected areas are suspended for the duration of the Governor’s disaster declaration.

Agents

We value our partnership with our agents, and will do everything we can to help you continue to serve our mutual clients. Underwriting operations will continue out of our Dallas and Austin regional offices for as long as necessary to ensure that it is safe for our Houston employees to return to the office.

Remember that you can check the ‘Documents’ page on Texas Mutual Online to review any policy or agency documents you may need while mail service is unavailable. Call our main number if you need assistance with your online account.

Supporting recovery efforts

For those of you in other parts of the state who wish to help, the following resources are available:

Texas Mutual ADRN

Texas Mutual employees volunteered with the Austin Disaster Relief Network over the weekend. Our employees are ready to continue relief

  • United Way of Greater Houston is on the ground and providing support to those affected. You can give to the disaster relief fund here. United Way of Greater Houston also has a helpful resource guide available for those affected by the storm.
  • Texas Mutual is partnering with the Austin Disaster Relief Network (ADRN) to get much needed supplies for hurricane survivors. Central Texans are encouraged to bring donation items to ADRN’s Hope Family Thrift Store receiving dock at 1122 E. 51st Street, Austin, Texas, 78723. Donations are accepted at the receiving dock Monday through Saturday (closed Sunday) from 10 a.m. to 5 p.m. Visit ADRN’s Hurricane Harvey response page for a list of items needed or for more information.

 

10,000 meals and counting delivered to those in need

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Texas Mutual employee makes a delivery to a Meals on Wheels participant

At Texas Mutual, wellness and safety are at the heart of everything we do. That mission shapes our giving and empowers our employees to support their communities as well. One way Texas Mutual employees have chosen to do that is by spending their lunch hour taking care of those in need.

While some use their noontime break to run errands or dine out, one group of colleagues at Texas Mutual takes a different approach and delivers meals to feed the elderly in our neighborhood. This changing group of about 26 employees has delivered more than 10,000 meals over the span of 15 years.

The group volunteers with Meals on Wheels Central Texas, a chapter of Meals on Wheel and More, which is a national charity that makes sure housebound seniors have enough to food to eat. The volunteers pick up prepared food from the nonprofit’s kitchens and deliver it to program participants, who receive a hot meal to eat for lunch that day and a refrigerated one for later. This provides valuable assistance to seniors who have limited mobility and may not have family members nearby to help care for them.

That purpose is exactly what drives Lori Keegan, a quality assurance supervisor in our IT department. Lori is the volunteer coordinator of Texas Mutual’s Meals on Wheels partnership.

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Texas Mutual employees pack up meals before delivering in the community

“I’m fortunate enough to live close to my family, so I’m there for them, but other people aren’t that fortunate,” she said. “This is a way to help people who aren’t as fortunate as I am.”

Lori coordinates the schedules of the Texas Mutual volunteers, who each drive our route once or twice per month. Together, they deliver about 80 meals every month, building relationships with everyone they bring meals to.

“It’s more than just delivering the meal,” Lori said. “It’s about the total well-being of the person. Sometimes we’re the only person they might see all day.”

When our employees volunteer and support our mission, they make a difference in people’s lives and help us to build stronger, safer communities. Join us in supporting Meals on Wheels and visit our website to see how we’re making a difference in Texas.

Celebrating this year’s dividend payout

This year, Texas Mutual awarded almost 50,000 business owners with dividend checks in a company-record $260 million dividend payout. Dividends are a way for us to reward safety-conscious employers, and we’re proud to have done so for 19 consecutive years. Take a look at some of this year’s dividend recipients in the slideshow below.

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Dividends can be used to help offset workers’ comp costs, re-invest into safety equipment and training, or just give a boost to your bottom line. However you choose to utilize your dividend, we love hearing your dividend stories. Be sure to share with us on Facebook, Twitter, or LinkedIn, and use #TXMDividends.

Qualifying policyholders are rewarded dividends based on two components: safety and loyalty. Take a look at the dividend video below to see how the dividend process works.

Safety in your workplace is where you have the greatest opportunity to make an impact when it comes to dividends. Texas Mutual offers thousands of free resources, including our new e-learning online training modules, to help you launch safety programs, educate employees, and maintain safe environments. Visit the safety resource center of your texasmutual.com account. Our safety services support center is also available at 844-WORKSAFE Monday through Friday from 8 a.m. to 5 p.m. to help you identify the best resources for your business or connect you with a safety services consultant.

Another way to improve your chance of receiving a dividend is to have a solid return-to-work program in place so that when accidents do occur, you have a plan for minimizing losses and getting workers back on the job. Texas Mutual has a number of resources to help with this, and our recent post on creating a return-to-work program from our Your Claims Questions Answered series is a great place to start.

These resources and plans may seem like small steps, but they could add up to a dividend for your business. Find out more about Texas Mutual’s dividend program by clicking here.

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