December 2018
Trust Tips is a resource for members of the Trusts administered by the Florida League of Cities. Here you’ll find tips and other information from the Florida Municipal Insurance Trust, Florida Municipal Investment Trust, Florida Municipal Loan Council and Florida Municipal Pension Trust Fund

Click the hyperlinks above to contact an insurance or financial services representative directly.
  In This Issue:

  • Florida Municipal Insurance Trust Gives Free Access to Employment Law Attorney
  • When Hurricane Michael Struck, the FMIT Was Ready
  • Florida Municipal Loan Council Helps with Financing and Refinancing
  • Fly-In Coincides with Passage of FEMA Clawback Provision
  • Post-Event Alert from FEMA about Hurricane Michael
  • FMLC, FMIvT and FMPTF Receive CAFR Awards
  • Timely Reporting Required for Workers’ Comp Claims
  • Tips for Healthy Holiday Eating
Florida Municipal Insurance Trust Gives
Free Access to Employment Law Attorney  
Are you aware that the Florida Municipal Insurance Trust has launched a new service for members who need legal guidance on liability issues regarding employment-related matters? For members insured by FMIT for employment practices liability, this new Employment Law Advisor (ELA) program offers access to a Florida-based attorney with significant public-sector employment law experience. And, the best part is there is no cost to you or your organization.

Some of the employment-related matters the program is intended to address are hiring; discipline; promotion/demotion; transfer; reassignment; layoff; termination; and complaints of discrimination, harassment, unfair treatment and retaliation. Members can speak with an attorney Monday through Friday 9:00 a.m. to 5:00 p.m. (Eastern Time) by calling (888) 368-FMIT (3648). Help is only a phone call away. Save the ELA phone number in your contacts today!

A free one-hour webinar with an introduction to ELA will be held at Thursday at 2:00 p.m. Eastern Time. To register, click here .   For more information on ELA, click here .
When Hurricane Michael Struck, the FMIT Was Ready
by Holly McPhail

The impact of Hurricane Michael was nothing short of catastro-phic. City buildings became more than just places to conduct business or receive services. They became beacons of hope.

”Ninety-five percent of the civilization in our city was taken out by Hurricane Michael,” said Panama City Police Chief Scott Ervin . “Getting government up and running was absolutely critical operationally but also critical for the community to see.” 

For that reason, the Florida Municipal Insurance Trust was present – not right after the storm, but during it. “I’ve been in law enforcement for over 20 years and never had insurance people ride a storm out with us,” Ervin reflected. “Having them present at ground zero and their ability to immediately start assessing damage and getting critical resources in to sustain us and get us back operational was critical.” For an article about FMIT’s emergency response, click here .

Holly McPhail is the communications coordinator at the Florida League of Cities.
Florida Municipal Loan Council Helps
With Financing and Refinancing

The Florida Municipal Loan Council offers municipalities long-term financing options through its fixed-rate bond program and bank loan program. Proceeds can be used for capital improvements, renovations, fixed asset additions and the refinancing of existing debt. The minimum loan size is $1 million. There are flexible terms of repayment, up to a 30-year maturity.

Since its inception in 1998, the FMLC has issued more than $1 billion in loans and has proven to be advantageous to cities of all sizes. The Florida League of Cities, as administrator, handles all the administration, the hiring of bond professionals and post-issuance compliance including continuing disclosure, investment of proceeds and arbitrage rebate calculations.

Click here for an application, and click here for more information on the FMLC. Please return applications via email to Molly Button at . Contact Button if you have questions about the program.
Fly-In Coincides with Passage
Of FEMA Clawback Provision

Nineteen municipal officials from Florida participated in the Fall Federal Action Strike Team (FAST) Fly-in to Washington, D.C. The FEMA deobligation provision passed Congress during the trip.

The Florida League of Cities commends U.S. Sen. Bill Nelson, U.S. Sen. Marco Rubio, U.S. Rep. Lois Frankel, U.S. Rep. Mario Diaz-Balart and the rest of the Florida congressional delegation for their efforts to successfully pass legislation that will protect communities receiving FEMA disaster funds from unexpected clawbacks. To learn more, click here .
Post-Event Alert from FEMA
About Hurricane Michael

FEMA's disaster declarations include specific Florida counties when identifying which areas are eligible for public assistance. Public entities outside of the declared counties for FEMA Public Assistance (PA) are not eligible for FEMA PA grant assistance.
FEMA also indicates PA eligibility based upon certain categories. For more information, go to . For FEMA’s post-Michael alerts, go to . To contact the FMIT Property Claims Center Hotline, call ( 844) FMIT-CAT  (844-364-8228). Email to send damage-related emails to the FMIT Claims Center. 
FMLC, FMIvT and FMPTF Receive CAFR Awards

The Florida Municipal Loan Council , Florida Municipal Investment Trust and Florida Municipal Pension Trust Fund have each been awarded a Certificate of Achievement for Excellence in Financial Reporting for the sixth year in a row. The certificates were given by the Government Finance Officers Association of the United States and Canada for their comprehensive annual financial reports (CAFRs).

The certificate of achievement is the highest form of recognition in governmental accounting and financial reporting, and its attainment represents a significant accomplishment by a government and its management. The CAFRs were judged by an impartial panel to meet the high standards of the program, which includes demonstrating a constructive "spirit of full disclosure" to clearly communicate their financial stories and motivate potential users and user groups to read the CAFRs.
Timely Reporting Required
For Workers’ Comp Claims

by Vernell K. Goodridge, CWC, ACA, CWCL

Not only is timely reporting of injuries or death important – it’s the law. There are penalties of up to $500 per late report that can be imposed by the Division of Workers’ Compensation for late reporting by an employer. Section 440.185(2), Florida Statutes, states that “within 7 days after actual knowledge of injury or death, the employer shall report such injury or death to its carrier…”

Actual knowledge of an injury usually starts with someone at the supervisor level, who is not necessarily the person reporting the accident to the insurance carrier. It’s important that supervisors are aware of the strict timeline involved in timely reporting.

To read more about what to report, when to report and, most importantly, how to report workers’ compensation claims to the Florida League of Cities, click here .
Tips for Healthy Holiday Eating 

by Gwen Mahabir

On average, Americans gain weight every year. The largest percentage of this weight gain comes from unhealthy eating during the holiday season. Over time, this extra weight can lead to an increased risk of serious health problems that could include diabetes and heart disease.

For tips to avoid holiday weight gain and still allow yourself to enjoy those yummy holiday foods, click here .

Gwen Mahabir is Hometown Health manager for the Florida League of Cities. Contact Mahabir for more information about the health initiatives offered through the FMIT group health insurance program. For the Winter Wellness edition of FLC Hometown Health , click here .