02-28-2007 Council Agenda - Laserfiche WebLink

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volunteer coach being hit in the head by a batted baseball might be an example of the latter situation. The volunteer accident coverage protects the volunteer on a "no- fault" basis. The benefits are automatically payable if the injury occurs while the volunteer is performing services for the city, regardless of whose fault it was. Besides protecting the volunteer whose injury isn't caused by the city's negligence, having these no -fault benefits available could also help avoid litigation in cases where the city (or a city officer, employee, or other volunteer) is or may be at fault. The injured volunteer can receive these benefits without getting into an adversary situation against the city. Of course, if the volunteer's injuries exceeded the benefits paid under this coverage, he /she would still be able to make a tort claim against the city for those excess damages, if the injury was caused by the city's negligence. Why did LMCIT create a whole new program? Why not just offer a "voluntary workers' compensation endorsement" and provide workers' compensation benefits to volunteers? The LMCIT Board chose this approach for several reasons. It's substantially less expensive to the city than providing workers' compensation benefits would be, reflecting the more limited scope of benefits provided. Administration is simpler for the city, since the city doesn't have to keep records of how many hours were worked by how many volunteers, etc. It eliminates the problem of determining what the appropriate indemnity rate is for an unpaid volunteer. It's also less risky for LMCIT and for LMCIT's other members. How do we enroll? To enroll, complete and return the attached form. LMCIT will bill the city for the premium. Further information If you have any questions or need further information, contact any of the following: Pete Tritz Bill Everett Barb Meyer PST 1 /05 651 - 281 -1265 651- 281 -1216 651 -281 -4173 ptritz @1mnc.org beverett@lmnc.org bmeyer @lmnc.org This material is provided as general information and is not a substitute for legal advice. Consult your attorney for advice concerning specific situations.