Presentation to Delta Business Expo -01-12-12

1. The Insurance Center and Colorado Working together to reduce loss expenses! Special Thanks to; Dennis Derrieux and Pinnacol Assurance for their help in preparing today’s presentation. This information is a very general overview and should in no way be considered advice. Any answers provided are for discussion only and do not constitute a client agent relationship.

4. Information Provided by: Pinnacol Assurance Workers’ Compensation Insurance The Workers’ Compensation Act is intended to: • Assure quick and efficient delivery of disability and medical benefits to injured workers • At a reasonable cost to employers • Without litigation

7. “ An investment in knowledge pays the best interest.“ - Benjamin Franklin Workers’ Compensation Insurance What is “Compensable”? Def. Entitled to compensation; capable of being compensated • For an accident or occupational disease to be compensable, it must: — Have occurred during the course and scope of the injured worker’s employment — Be causally related to ( arising out of ) the injured worker’s employment