2021 Annual Board Meeting Highlights

To ensure the best possible decisions are made for SET SEG member districts, our boards are staffed with your peers. In September, the Workers’ Compensation and Property/Casualty boards meet annually to discuss the most important items Michigan educators encounter. If you weren’t able to attend, here is what you missed:

Workers’ Compensation Board of Trustees Annual Meeting

Financial Audit 2020/2021
After presenting the responsibilities of management and the auditor throughout the audit process, the audited financial report was presented to attendees. After receiving an unqualified opinion on the audit from the auditor, the board moved to approve the Audited Financial Statements of the Workers’ Compensation Fund as presented for the fiscal year ended June 30, 2021.

Board Member Appointment
We welcomed Gene Pierce, Superintendent from Tuscola ISD, to the Workers’ Compensation board where he will be adding his years of experience to help guide the Workers’ Compensation Fund.

Sales and Marketing Report
The wildly popular Safety Program, which distributes funds to member districts to help protect the health and safety of their school communities, will return for the third year. This year, SET SEG will be allocating $550,000 to member districts, up $50,000 from last year.

Executive Director’s Report
SET SEG is in the process of developing a new online enrollment system that will be implemented throughout member districts, providing time-saving HR tools.

Property/Casualty Annual Board of Directors Meeting

Financial Audit 2020/2021
After presenting the responsibilities of management and the auditor throughout the audit process, the audited financial report was presented to attendees. After receiving an unqualified opinion on the audit from the auditor, the board moved to approve the Audited Financial Statements of the Property/Casualty Pool as presented for the fiscal year ended June 30, 2021.

Cyber Task Force Update
Cybercriminals have increasingly targeted K-12 institutions over the last few years. Recognizing the importance of strong safeguards for member districts, SET SEG has pooled together a variety of resources, including a cyber task force to continually monitor potential threats and an entire Cyber Security Resource Center on our website providing members with the information they need to build a solid security foundation. While the existence of cyberthreats is certainly a looming presence for Michigan educators, we are committed to supporting our members with a regularly updated response as the situation evolves.

Sales and Marketing Report
EduSeries, the member-exclusive series of educational programs specifically crafted for school administrators and employees, was highlighted for its focus on hot topics happening in schools today. We have a number of exciting programs coming up and members are advised to attend.

Executive Director’s Report
The Property/Casualty Pool has performed well, ensuring continued support for our members. Additionally, an upcoming SET SEG Family Healthcare Center in Corunna was announced, which will be an exciting expansion to our already thriving healthcare options.

Recognizing Exemplary Acts of Service

SET SEG is proud to recognize exemplary acts of service within our member districts. Two special recognitions were recently presented: the Gus Kihlstrand Service Award and the grand prize Michigan Safety Awareness and Facilities Excellence (MSAFE) Award.

Gus Kihlstrand Service Award

The Gus Kihlstrand Service Award was created in 2019 and named after a valued, long-tenured member of the SET SEG organization, and honors the legacy of public-school personnel who exemplify exceptional hard work and commitment to their district and community.

This year’s recipient is Billy Bregg, the retired Supervisor of Maintenance with over 24 years of service to the Allegan Area Educational Service Agency (AAESA).

Bregg began his tenure at AAESA as a Maintenance Technician, ultimately transitioning into the supervisory role, which he held for 12 years until retirement. Throughout his time as Supervisor of Maintenance, Bregg oversaw numerous building additions and renovations, directly contributing to the success AAESA experiences today.

Over the years, Bregg had a number of accomplishments that not only made him more effective in his career but also established him as a community leader. He graduated from the Michigan School Business Officials (MSBO) Leadership Institute, obtained a facilities director certification, and also served on the AAESA wellness committee.

Bregg’s uplifting personality (and trademark Hawaiian shirt) is recognized throughout AAESA as a positive force for everyone around him. “His smile is contagious and no matter what the situation, Billy is positive and always has a way to make things better,” says Abby Lloyd, Assistant Superintendent of Finance and Operations. “If you hear someone whistling while walking down the hallway, you know it’s Billy.”

SET SEG is honored to award Bregg with this year’s Gus Kihlstrand Service Award and share appreciation for his dedication to upholding a safe environment at AAESA.

MSAFE Award

The SET SEG Michigan Safety Awareness and Facilities Excellence (MSAFE) Awards are presented to honorary districts across the state of Michigan that are members of the SET SEG Property/Casualty Pool and Workers’ Compensation Fund as a special way to recognize and reward their proactive efforts to protect their school community. This year’s overall grand prize MSAFE Award is presented to one of the four regional MSAFE Award winners to provide additional recognition for their exemplary attention to safety.

Lake City Area Schools is the first-ever grand prize winner of the SET SEG MSAFE Award! The district was recognized for its outstanding claims record and work to protect and preserve the safety and security of its buildings and grounds. SET SEG Loss Control Representative Jamison Hagerty credits the staff with keeping a well-maintained campus and reducing risk factors that may cause an injury or accident.

“The district is highly responsive to requests and prepared to make recommended changes to keep their district safe,” said Hagerty. “They prioritize the safety of their staff and students by regularly utilizing employee training courses and following standards for best practices.”

Hagerty attested that Lake City Area Schools’ commitment to the upkeep of their school grounds, prompt reporting, claims resolutions, and training participation makes them a model district. Given their attention to detail and high standards for safety, Lake City Area Schools has met the numerous criteria required to receive the grand prize MSAFE Award.

“I look forward to working with Tim, Tracy, Joe, and the entire staff in continuing the great success they have had in putting safety first.” – Jamison Hagerty

The Costliest Form of Cybercrime

Have you ever received a suspicious email from a contact you trust? Maybe it’s from a local print shop asking for immediate payment on an invoice for flyers for your district. It could be from your business manager requiring sign off on gift cards to employees. It could even be from a third-party contractor or district administrator asking for payment information to take care of construction costs.

Unfortunately, while those communications may appear innocent on the surface, the thing they all have in common is that none of them are actually from a trusted contact. Business email compromise (BEC) occurs when bad actors portray themselves as trusted parties. While not necessarily as prevalent as ransomware attacks, this form of cybercrime is the most financially costly to organizations, and one that has become increasingly common in K-12 institutions.

These fraudulent communications are often portrayed by the perpetrator as time-sensitive, asking for immediate financial action before the reader can accurately assess the validity of the request. While the short timeframe is part of what can make attacks successful, it’s also their downfall.

Taking time to scrutinize the email is all it takes to prevent a costly mistake.

Documents and videos in the SET SEG Cyber Security Resource Center describe, in detail, the dangers of phishing attacks from cybercriminals trying to steal your data and how to mitigate them. BEC threats follow some of the same rules.

Business email compromise attacks can be a costly hazard but taking the steps to educate employees on cyber security best practices is the key to protecting your district.

  • Participate in regular phishing training, like KnowBe4’s cyber awareness training.
  • Put strict policies in place, only allowing the use of district-managed devices for work-related tasks.

While cyberattacks are only becoming more common, SET SEG is committed to providing members with the greatest defense against such threats: knowledge.

If you haven’t already, visit our Cyber Security Resource Center to prepare your staff for whatever cyberthreats may come your way.

Phishing Email Example

Enter SET SEG’s 2021 Holiday Card Contest

Calling all student artists!

We need your help to design our holiday card! Our annual holiday card contest is open to students in grades K-12 in SET SEG member districts. The winning entry will be featured on our 2021 holiday card which is mailed to hundreds of recipients throughout Michigan.

Prizes:

Winning student: Receives…

  • Artwork featured on SET SEG’s 2021 Holiday card
  • Amazon gift card
  • A pack of holiday cards featuring the winning artwork

Teacher of winning student: Receives an Amazon gift card

Classroom of winning student: Receives a gift card for class supplies.

Artwork:
  • Artwork should reflect the theme: “It’s the Most Wonderful Time of the Year”
  • Original artwork only
  • Must fit on a 5” x 7” sheet of paper in landscape format. Students are encouraged to completely fill the page but keep the design simple. Bold colors work best for the printing process.
  • Must include on the back: student’s full name, grade, school, and teacher’s name.
  • Do not include copyrighted images such as Sponge Bob Square Pants or sports logos.
  • Acceptable mediums: watercolors, markers, crayons, colored pencils, or a combination.
Deadline:

Friday, Nov. 5, 2021

Submissions:

Send artwork to the address below or scan a digital copy and email it to marketinghelp@setseg.org.

SET SEG, Attn: Marketing Department
1520 Earl Ave.
East Lansing, MI 48823

Questions:

Contact the SET SEG Marketing Department at marketinghelp@setseg.org.

Are Your Properties Ready for the School Year?

With the school year swiftly approaching, it’s important to take care of annual maintenance and inspections before students start roaming your halls.

Thankfully, our Loss Control team has put together a number of useful documents to help your district prepare for the new semester. See below for a few critical things to look out for.

Playgrounds

Inspect playgrounds regularly and take care of required maintenance early to avoid any unnecessary hazards. Click here to review our playground checklist and conduct your own inspection.

FREE Member Benefit: Members of the Property/Casualty Pool may receive a playground inspection at no cost! Contact your Loss Control Consultant for more information.

Roofs

Check roofs regularly, but especially after storms, to ensure a small problem doesn’t turn into a big, costly project. Doing so at the beginning of the school year (or earlier!) ensures limited disruption of classroom activities. Consider reviewing our Preventing Roof Losses Checklist by clicking here.

Vacant Buildings

Are any buildings in your district not opening back up this school year? Any building with less than 31 percent occupancy is officially considered “vacant.” This excludes buildings that are under construction or undergoing renovations.

It is the member’s responsibility to notify the Pool of any changes in vacancy status as soon as the change occurs. Reach out to your Account Executive as soon as possible if any of your properties have officially become vacant.

Athletic Facilities

Fall sports are just around the corner! Be sure to inspect spectator stands for structural degradation and verify that they’re grounded. This would be a good time for indoor bleacher inspections as well. Additionally, make sure to keep lighting well maintained.

While facility inspections are a regular part of any property ownership, the oncoming addition of students into the mix adds an extra level of pressure. Please refer to our Building and Property Resource Center to view a collection of checklists and flyers that can help you prepare for another safe school year. As always, if you have any questions, please reach out to your Loss Control Consultant for guidance.

2021 MASC/MAHS Summer Leadership Camp

Arriving at the Michigan Associations of Student Councils and Honor Societies (MASC/MAHS) Summer Leadership Camp for the first time can be a bit jarring: scores of loud, enthusiastic, high school-aged students dancing, singing, and ultimately developing their leadership skills is certainly an uncommon experience. Give it a little time, however, and you’ll see just how beneficial the event is for the students and the Michigan communities they hail from.

The MASC/MAHS Leadership Camp focuses on developing core skills for the future leaders of Michigan communities. The program caters to all students ranging from grades 9–12 and features high-energy, introspective collaboration with their peers.

While the camp seeks to grow leaders, its effects are wide-reaching; as camp attendees head back to their schools, and ultimately their communities, they pass on the skills they’ve learned, enriching their environment, and Michigan as a whole. Recognizing the unique value of the camp, the SET SEG Foundation has been a long-time supporter of the program.

“Partnering with the MASC/MAHS Leadership Camp makes complete sense for the SET SEG Foundation,” explains Molly Mellema, the Executive Director for the Foundation and Chief Sales and Marketing Officer at SET SEG. “Our mission is focused on providing students with the tools they need to enrich themselves and their communities. The camp is a very effective example of one of those tools.”

The Foundation awards over $26,000 in full scholarships every year to students across Michigan. The SET SEG team handpicks applicants, often selecting individuals who may not have the financial means to pursue a spot at the leadership camp.


To students like Sarayu Bethamchurla, the worth of the leadership camp is obvious: “If you want to change, if you want to work on yourself, then come to camp. If you want to meet incredible human beings that are capable of changing the world, come to camp.” And she should know; this is Sarayu’s second year at camp, thanks to scholarships from the SET SEG Foundation.

For over 15 years, the SET SEG Foundation has been passionately focused on student empowerment and providing financial support to things like the MASC/MAHS Summer Leadership Camp, helping to establish a bedrock of growth for Michigan students.

To contribute to events like the MASC/MAHS Summer Leadership Camp, consider donating to the SET SEG Foundation. Click here for more information.

Cybercrime Alert: Urgent Notice for Superintendents

Cybercriminals are attacking schools at an alarming rate. Malicious actors are exposing personally identifiable information, demanding millions of dollars of ransom, and districts are losing valuable time and money before they are able to regain control of their systems.

Threats and phishing attacks continue to become more sophisticated and difficult to spot.

“It is imperative that your staff is not only aware of these heightened attacks on the education community, but know how to stop the attack, and report it appropriately,” says Amy Guilford, Chief Program Administrator of the Property/Casualty Pool. “Early detection is the key — alerting your IT team right away gives them a better chance at shutting down the threat and minimizing damage.”

The first step for every district is to consider subscribing to a training entity, like KnowBe4 — an on-demand security awareness cyber training program. SET SEG members receive a significant discount on the highly affordable subscription. It is one of the best lines of defense you can deploy to prevent a cyber event at your district.

If an incident does occur, contact your SET SEG Account Executive immediately to deploy our team of legal and forensic specialists.

PROTECT YOUR DISTRICT IMMEDIATELY

EDUCATE:

Conduct ongoing security awareness training – sign up for KnowBe4, or another security training, to help your staff spot and stop these attacks.

SEPARATE:

Establish policies – only allow district-issued computers onto district-owned networks.

MITIGATE:

Backup data offline – keep a secure offsite copy of your information or remove any online backups from the main network.

Deploy a password management tool – utilize Multi-Factor Authentication to require individuals to verify their identities prior to logging into a system.

The Key to Cyber Security? Changing Mindsets & Behaviors

When it comes to communication in the workplace, email is king. With American workers receiving an average of 126 emails per day*, email also serves as one of the most vulnerable areas of your organization’s security structure. While scans and filters can assist with blocking some suspicious communications, the likelihood of falling victim to a cyberattack is directly linked to your staff’s level of security awareness and their ability to spot hackers’ attempts.

The Dangers of Operating on Autopilot

When going through your inbox becomes an everyday task, decisions on what to open, click on, and delete are made quickly, effortlessly, and even automatically. That’s why it’s no surprise that as our brains are taking shortcuts, there has been a dramatic increase in successful phishing scams.

Just like your processes for student safety require staff to be alert and responsive in the event of a potential disaster, procedures created to keep your cyber data secure are heavily reliant upon employees to respond properly in the face of an attempted cyber attack. While an investment in defensive software and preventative tools is helpful, teaching employees to be mindful and treat every email like a potentially malicious scam is still the most effective way to stop a cyber breach and protect your district.

How to Change Problematic Behaviors

Just like other employee trainings, with cyber security education, you’re aiming to build a foundation of knowledge so staff has a solid awareness and ability to respond to certain situations appropriately. However, unlike most trainings, the process shouldn’t stop after delivering education. Cyber security training must also include ways to encourage staff to change their current absent-minded, routine approach to emailing to the “system 2” approach. Keeping up with emails can be taxing, but it’s critical that you share the importance of slowing down and maintaining a controlled and mindful state.

How to Shift Decision-Making to System 2:

  • Teach employees to be wary of ALL emails they receive
  • Test awareness regularly by sending pretend phishing emails to staff and share reports on the organization’s performance

By providing opportunities to practice their skills and reinforcing the importance of their individual role with routine performance reports, you’ll help build employees’ critical thinking muscles and eventually change their emailing behaviors.

The Fastest, Easiest Path to Change Behaviors: Purchase Training

Investing in simulated testing with a cyber security awareness training tool can help you automate testing and capture performance data to determine your risk status and monitor progress. With so many user-friendly and effective tools available, purchasing a training tool can be fast and easy. Off-the-shelf tools also streamline training implementation and offer quick deployment, so you can address this issue and make progress within a matter of weeks.

For information on discounted training subscriptions available to SET SEG members, visit setseg.org/cyber.

*“Email Usage Statistics in 2021.” Campaign Monitor, 11 July 2019, www.campaignmonitor.com/blog/email-marketing/email-usage-statistics-in-2019/.

Benefit Insights for 2021 & Beyond

Are you prepared for the long-term effects of COVID-19 on your health plan?

Most health plans saw an overall reduction in cost in 2020 despite significant increases related to respiratory conditions caused by COVID-19. While this reduction may appear to point toward a healthier workforce (due to decreased contact with germs and illness) on the surface, digging a bit deeper reveals that many simply put off or avoided vital treatment and care.

Because of COVID-19 concerns, an estimated 41% of U.S. adults delayed or avoided medical care including urgent or emergency care and routine care.*

The deferment of care may not be initially life-threatening, but could lead to serious health implications, pain, and greatly increase future plan costs.

What does this mean for the employees on your health plan?
  • Existing chronic conditions will become worse without regular treatment and the probability of related complications increases.
  • The emergence of new chronic conditions can be missed and go undiagnosed and untreated.
  • Routine screenings for things like breast and colon cancer are missed, resulting in delayed detection.
  • Existing behavioral health treatments are interrupted, and a greater segment of the population is at risk for such disorders.

All of these add up to greater future costs for your health plan. While this may all seem overwhelming, there are ways to prepare for this increased cost and mitigate the effects on your health plan.

  1. Increase access to virtual care
    One of the biggest things your organization can do to help your employees and lower plan costs is to increase access to virtual care for both acute and chronic patients. Our new normal requires multiple avenues for patients to receive care. Also, robust access to virtual care eliminates the largest cause of care deferment during the pandemic.
  2. Encourage employees to use their healthcare and stop delaying routine care any longer
    It is important that your organization encourages employees to utilize their health plans to receive all of the care they may have deferred over the past year. While this may result in a spike in claims in the short term, the long-term benefits of a healthy workforce far exceed the immediate costs. While increased utilization may seem counter-productive to controlling health plan costs, it is routine care that helps keep employees healthy and protects plans from experiencing large, unexpected claims.