Traditionally, America's police have met the mission to protect and to serve by responding to almost any call, including the call to intervene in a suicide threat. When a distressed person calls a family member to inform them that he is about to take their own life, the relative often calls the police next. When police arrive, the despondent person shouts at the officers to leave him alone.

Once in a blue moon, the U.S. government allows the implementation of a program that affords employers the opportunity to save money without inconveniencing employees. While you process that statement, think of what your current spend is on pharmacy. What just a few years ago was a small percentage of your medical cost may now occupy a higher percentage of the total spend without a cost control method in sight… until now.

In the last few years, the Federal Department of Justice (DOJ) has reduced their involvement in case investigations and engaging practice consent decrees against local police departments. With that oversight being reduced, the role of public entity insurers and municipal pools has taken on a larger role.

Pools become experts regarding any litigation trends in their state, but they can also learn about changes taking place all around the country by having discussions with their excess or reinsurance carrier.

The State of Ohio is currently considering legislation that would require that nearly all police body camera video be subject to public records disclosure.

The purpose of most actuarial methods is to estimate ultimate losses, or total losses, for a particular accident period. Once an estimate of the ultimate losses is determined, outstanding losses or required reserves are easily calculated by subtracting the paid losses from these total losses.

When it comes to helping reducing time away from work following an injury and reducing claim spend, access to the right medications at the right time is crucial while also managing to prevent chronic use of high risk medications.