Kentucky Workers Compensation Losses Decreased

Annual Workers' Comp Filing Approved

FRANKFORT, Ky. (Aug. 27, 2008) – A 2008 filing most insurance carriers will use to develop rates for workers’ compensation coverage shows the third straight decrease in loss costs, Department of Insurance Commissioner Sharon P. Clark announced today.

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The filing, approved by the state Department of Insurance and effective Oct. 1, is by the National Council on Compensation Insurance Inc. (NCCI), an advisory organization that serves as the oldest provider of workers’ compensation and employee injury data and statistics in the nation.

“As businesses face tough economic times, this is a welcome piece of news,” said Clark. “Workers’ compensation insurance is a large cost of doing business. This also is good news for hardworking Kentuckians since the report shows a continuing decline in the number of workplace injuries and a slight decline in the severity of those claims.”

Data collected from insurance carriers is used to develop loss costs, which is the average compensation for lost wages, based on the level of disability, plus medical benefit payments. Use of the information is voluntary but most workers’ comp carriers use the NCCI loss cost values as a base to which the insurer’s own loss adjustment and overhead expenses are added to arrive at the rates charged to Kentucky employers.

The loss cost figures show an average reduction of 5.1 percent for the 596 industrial classes used in Kentucky. These classes include manufacturing, office and clerical, contracting, and goods and services. For coal classes, underground mining costs dropped 10.5 percent while surface mining decreased 8.7 percent.

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Charlie Pinson Insurance KY  is a Kentucky insurance agency offering a variety of Kentucky insurance products including Kentucky Worker's Compensation and Kentucky business insurance. Employee benefits and Group Health Insurance are available through their sister agency Triple B Insurance of Pikeville. Call 606.433.0031 for more information.

Fake Kentucky Insurance Cards lead to charges

Nine Charged in Fake Auto Insurance Card Round-Up

FRANKFORT, Ky. (Aug. 25, 2008) – A sharp eye for detail in the Clay County clerk’s office resulted in nine Manchester area residents being charged with insurance fraud for creating or possessing fake auto insurance identification cards.

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When Clay County Clerk Freddy Thompson and his staff began seeing suspicious or altered proof of insurance cards, he brought it to the attention of the Kentucky Department of Insurance (DOI) Fraud Investigation Division. DOI fraud investigators contacted Manchester Police Chief Jeff Culver and Clay County Sheriff Kevin Johnson, along with County Attorney Clay Bishop, and began a joint investigation.

“Auto insurance is mandatory in Kentucky, and proof of insurance is required to license a vehicle. Unfortunately, the creation and possession of fake insurance cards is one of the most prevalent fraudulent activities we investigate,” said DOI Commissioner Sharon P. Clark. “Those who drive without insurance create a financial hazard for everyone.”

Culver and Thompson believe the investigation has been positive for the community, and Thompson said his staff is seeing fewer questionable cards.

“We believe news of this investigation will deter others from doing the same thing,” said Culver.

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“This is an example of teamwork at its best,” said Commissioner Clark. “I commend the Clay County law enforcement officials and Mr. Thompson and his staff for the outstanding assistance and cooperation we received in completing our investigation.”

Those charged with felony counts of insurance fraud for possessing fake cards are: Marshall D. Bodkins, 22; Lois Ann Hunter, 46; Daniel C. Mayfield, 27; Alta Mae Nolan, 29, and Bobby J. Wombles, 34, all of Manchester; David G. Caudill, 46, of Fall Rock; Rebecca Roberts, 29, of Big Creek; and Evelyn J. Simpson, 63, of Garrard. Teresa Bowling, 43, of Manchester was charged with a felony count of second degree forgery for creating a fake card.

The nine are scheduled to appear in Clay District Court on Sept. 16.

DOI is an agency of the Public Protection Cabinet.

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Charlie Pinson Insurance KY  is a Kentucky independent insurance agency serving all of Kentucky. Charlie represents numberous Kentucky auto insurance companies including Progressive, AIG, Hartford,  Safeco, Travellers, Farmers, Sentry Dairyland, and others.

Sucide Prevention...a new dialoge

CHFS to Kick Off Suicide Prevention Campaign

To help end the stigma and silence associated with suicide, the Cabinet for Health and Family Services (CHFS), the Kentucky Suicide Prevention Group (KSPG) and the Department for Mental Health, Developmental Disabilities and Addiction Services are launching a public awareness campaign about one of the most preventable, yet common, forms of death.

The “Let’s Talk: Kentuckians Affected by Suicide End the Silence” awareness campaign will launch at an event at 2:30 p.m. on Sept. 4 at the Capital Plaza Hotel in Frankfort. The event, which will feature a new educational video, is designed to educate Kentuckians about the warning signs of suicide; make people more aware of the prevalence of suicide in society; and help people discuss suicide.

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“The ‘Let’s Talk’ campaign is truly a courageous effort in our continued work to prevent suicide in Kentucky,” said CHFS Secretary Janie Miller. “Far too many Kentuckians are suffering in silence, and warning signs are being overlooked. By training our communities to be proactive and teaching our loved ones, friends and neighbors how to communicate about suicide, we can reduce the number of suicide deaths in Kentucky.”

According to a 2007 study, 64 percent of Kentucky adults knew at least one person who had attempted or died by suicide. The “Let’s Talk” campaign takes a closer look at what it’s like to be personally affected by suicide, and features several Kentuckians who will share their personal stories, as well as what they’ve learned from the experience.

“Keeping suicide a secret perpetuates suicide,” said Jenny Jones, chair of the KSPG steering committee who lost her mother, grandmother and other family members to suicide and is featured in the “Let’s Talk” video. “For many struggling with mental health issues or experiencing thoughts of suicide, there is no outlet. We have to change that.”

In addition to Jones, other stories in the video include the friend of a young Marine who died by suicide after returning to Kentucky from war and a parent discussing youth suicide contagion (one suicide becoming the trigger for other suicides). The video also includes information on suicide on college campuses, suicide among select ages or populations, and suicide among Kentuckians affected by HIV/AIDS.

The “Let’s Talk” event will be emceed by WHAS radio talk show host Francene Cucinello and will be broadcast to locations across the state via satellite through the assistance of WLEX-TV in Lexington. Participants will receive community action materials to use in their hometowns.

Seating for the general public at the “Let’s Talk” kick-off is limited, and reservations are required by contacting Cheryl Ligon at (502) 564-4456 or   Email.

For more information about how to save a life, visit   www.kentuckysuicideprevention.org  or call (502) 564-4456.

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So many people in this world are hurting. Some think about suicide. Some live with the knowledge that someone they loved could not connect...and eventually took their own lives. If you are contemplating suicide, reach out and get help!

Charlie Pinson Insurance KY...Finalist in Excellence In Entrepreunership Awards

2008 EXCELLENCE IN ENTREPRENEURSHIP AWARDS

RICHMOND, Ky. − Eastern Kentucky University’s College of Business and Technology, Kentucky Highlands Investment Corp. and The Center for Rural Development will present the 2008 Excellence in Entrepreneurship Awards (EIEA) on Monday, Sept. 8 during a 11:30 luncheon program at The Center’s headquarters in Somerset, Ky.
Eastern Kentucky University President Dr. Doug Whitlock will serve as emcee for the event and Kentucky Economic Development Cabinet Secretary John Hindman will serve as the keynote speaker.

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The annual award was established in 2001 to honor excellence in entrepreneurship throughout Eastern and Southern Kentucky. Awards will be given in four categories – Business, Small Business, Start-Up, and Non-Profit Business – and are determined by the economic success of the enterprise, contributions to the community, job creation and operational achievement as measured by innovative business practices, superior safety achievement and superior technology.

The 2008 awards program will include recognition of the Excellence in Entrepreneurship Collegiate Business Concept Challenge award honorees and the first place team in the youth Entrepreneurial Leadership Institute Business Concept Competition.

“We’ve seen that small companies comprise the engine that drives most of our economy,” said Dr. Robert Rogow, dean of EKU’s College of Business and Technology. “We want to do whatever we can through our partnership to foster small-business development and recognize those who’ve been successful in developing companies in Eastern and Southern Kentucky.”

Finalists in the four business categories are:

For-Profit Business: Mr. Richard Rednour, II, owner/president, Rednour Properties, LLC, Clay City, Ky.; Mr. Terry E. Forcht, president/CEO, Forcht Group of Kentucky, Corbin, Ky.; Mr. Shannon Wright and Mr. Kendall Wright, owners, Wright Concrete & Construction, Inc., Dorton, Ky.

For-Profit Small Business: Mr. Jerry W. Rice, owner, Panco Wood Shop, Oneida, Ky.;  Mr. Charlie Pinson,  president/owner,  Charlie Pinson Insurance, Pikeville, Ky.;  Mr. Steve Taylor, president, EST Tool & Machine, Inc., Brodhead, Ky.

Start-Up Business: Mr. Brant Poore, president, and Mr. Raymond Sears, vice-president, Information Capture Solutions, LLC, Williamsburg, Ky.; Mr. Brian Floyd and Mr. Scott Floyd, owners, Floyd Industries, LLC, Liberty, Ky.; Ms. Cindy and Mr. Norm Kelly, owners, EZ Care, LLC, Richmond, Ky.

Not-For-Profit Entity: Ms. Stephanie Richards, artistic director, Artists Collaborative Theater, Elkhorn City, Ky.; Mr. Lonnie Cowan, executive director, Chronic Pain Support Group, Inc., offices in Clark, Jessamine, Bourbon, Laurel, Boyle, Montgomery, Madison and Taylor counties, Ky.; Ms. Debbie Long, executive director, God’s Food pantry of Pulaski County, Somerset, Ky.

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“Supporting entrepreneurs and small businesses is at the heart of the mission of The Center for Rural Development,” said Lonnie Lawson, president and CEO of The Center, “and the encouragement and recognition of Kentucky’s future business leaders is fundamental to the realization of that mission.”

Jerry Rickett, president and CEO of Kentucky Highlands Investment Corp., said “Entrepreneurs are visionaries and risk-takers vital to any community. Whether they succeed or fail, their tenacity and adventurous spirit need to be recognized and applauded. That’s what the Excellence in Entrepreneurship Awards is about.”
2007 award recipients were Stephen P. Branscum, president, Branscum Construction Co., Inc., Russell Springs, Ky – For-Profit Business; Barbara Napier, owner, Snug Hollow Bed & Breakfast, Irvine, Ky. – For-Profit Small Business; Lowell Land, president, Acres of Land Winery, Richmond, Ky. – Start-Up Business; and Wilma
Kelly, executive director, Beattyville Housing and Development Corp., Inc, Beattyville, Ky. – Not-For-Profit Entity. Award recipients in the Collegiate Business Concept Challenge were Patti Holly and Lauren Hale, student honorees; Dr. Bill Davig, EKU Business advisor; and Eastern Kentucky University as the sponsoring school. Also honored at the luncheon was the 2007 Entrepreneurial Leadership Institute Business Concept Challenge team of Rebekah Smith, Staffordsville; Michael Wright, Stanford; Kenna Trent, Morehead; and Richie Mathes, Corbin.
Award winners from previous years will receive invitations to the annual EIEA program and be recognized for their achievement.

For more information on the Monday, September 8 EIEA luncheon program, please visit www.eiea.eku.edu and follow the EIEA links. Information can also be found on the Web at www.centertech.com by following the EIEA links. Reservations for the program are $20 per person and may be made by calling The Center for Rural Development at (606) 677-6000 or by e-mail at enea@centertech.com. Checks should be made payable to The Center for Rural Development and mailed to: The Center, Attn: EIEA Luncheon, 2292 S. Hwy. 27, Somerset, KY 42501.

To be eligible for the Excellence In Entrepreneurship Awards competition, businesses must be in one of the following 55 Eastern and Southern Kentucky counties: Adair, Bath, Bell, Boyd, Boyle, Breathitt, Carter, Casey, Clark, Clay, Clinton, Cumberland, Edmonson, Elliott, Estill, Fleming, Floyd, Garrard, Green, Greenup, Harlan, Hart, Jackson, Jessamine, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, McCreary, Madison, Magoffin, Martin, Menifee, Metcalf, Monroe, Montgomery, Morgan, Owsley, Perry,  Pike,  Powell, Pulaski, Rockcastle, Rowan, Russell, Taylor, Wayne, Whitley, or Wolfe.

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Charlie Pinson Insurance KY  is a Kentucky Independent Insurance agency offering Kentucky insurance throughout the Bluegrass state. Representing many different companies, the agency provides many choices to it's valued customers.

Charlie Pinson Insurance KY....Kentucky Sports

A life outside our Kentucky Insurance Office

Insurance is our business, and a big part of our life. But as  Kentucky independent insurance agents,  we really do have a life outside the office and business community.

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We like to say "an office that plays together stays together". For  Charlie Pinson Insurance KY,  part of that play comes from  Pikeville College Bears Football.  Owner, Charlie Pinson is "The Voice of Pikeville College Bears" on WPRG-TV5. Personal lines manager, Mark Frantom, is the Kentucky sports camera man. Agent, Joyce Pinson, keeps the Pikeville College press box furnished in brownies and sweets and can be counted among the Bears loudest fans. And then there's our file clerk, Justin Lamb.

We all live a little vicariously through Justin, a returning senior to the Pikeville College Bears Football squad. Justin does a good job on and off the field, in the classroom, and the in the office. We are so proud of him!

Read about Justin Lamb a Senior Pikeville College Bear

If you enjoy Kentucky Sports, check out our Kentucky sports blog.

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The staff at Charlie Pinson Insurance and  Triple B Insurance  wish Justin Lamb and the Pikeville College Bears a spectacular winning season. Go Bears!

Back to school time to shop Kentucky Auto Insurance

With the kids back in school, consumers are now making the move to shop their Kentucky insurance. Last week, we received a record breaking number of calls for Kentucky auto insurance quotes.

As a Kentucky independent insurance agency,  Charlie Pinson Insurance KY,  offers KY car insurance from a number of carriers including   Safeco,  Hartford, AIG, Travelers, Farmers Insurance, Dairyland, and Progressive.  Can we save you money?

Last week, I vented here about how much gas prices are eating into my family budget. Are you feeling the pinch? Do not drive around town, to agents who refuse to quote over the phone or internet. We'll quote you, and you won't have to leave home. Some of our insurance carriers let you purchase Kentucky Auto Insurance online!

Save Money! Save time!
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Joyce Pinson does Kentucky auto insurance marketing for  Charlie Pinson Insurance Ky and Kentucky health insurance marketing for Triple B Insurance KY.

Kentucky Insurance Feeling the Squeeze

You know, I try to do my part. Especially when it comes to economizing. I consolidate my errand trips. I shop local as much as possible to support the Kentucky economy. I use coupons, and I shop sales. I am not above shopping at local thrift stores. With a background in economics, you would think I would be smart enough to manage a tight budget.

Today, my mid-sized car sucked up $59 at the gas pump! Fifty nine dollars! All I do is go to work, the grocery and the dry cleaners. Fifty nine dollars! OUCH!

And so it it is no wonder, our Kentucky insurance office is seeing more calls for folks shopping their  Kentucky car insurance.  And, it's not just kids and newlyweds...it's blue collar and white collar people alike. With the cost of gas, I think everyone is feeling a squeeze on the budget.

Can we help you? When was the last time you shopped your   Kentucky Auto Insurance?  We cannot help with gas prices, but maybe we can help with your insurance budget.

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Joyce Pinson is a Kentucky health insurance agent.   Charlie Pinson Insurance KY  offers several diffent insurance companies for Kentucky Auto insurance including Progressive, AIG, Hartford, Safeco, Travelers and Farmers Insurance. Visit our website at  www.pinsoninsurance.com

Kentucky Insurance Fraud Georgetown

GEORGETOWN MAN CHARGED WITH INSURANCE FRAUD

FRANKFORT, Ky. (July 31, 2008) – A Georgetown man has been charged with one felony count of insurance fraud after providing false information to Bluegrass Family Health Inc.

Darrell E. Gibson Jr. and his wife, Veronica, were divorced in December 2003. In December 2004, he allegedly listed her as his spouse on an application for health insurance obtained through his business. Veronica Gibson remained on the policy until June 2007. During that time, Bluegrass Family Health paid more than $169,000 in benefits for her health care.

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The case was investigated by the Kentucky Department of Insurance (DOI) Fraud Investigation Division.

“The company paid a significant amount in health care benefits for someone who was not eligible for coverage,” said Sharon P. Clark, DOI commissioner. “Our Fraud division actively pursues cases like this one because we all pay when insurance fraud is committed.”

The preliminary hearing in Scott District Court will be Aug. 7. If found guilty, Darrell Gibson faces a prison term of one to five years, a fine of up to $10,000, or both imprisonment and a fine.

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