A Practical Guide on How to Handle Employee Injury/Accident -2024 Employer Manual (Employee Services and Supervisors only) For more information regarding prevention of risk visit our website at https://www.nova.edu/risk/policies/compensation.html
2 INTRODUCTION This booklet is intended to give information to you as a supervisor of an injured Nova Southeastern University employee, and to outline your obligations, rights, and responsibilities as an employer under the Florida Workers' Compensation Statue. The Office of Risk Management (ORM), Department of Financial Operations administers Title XXXI Chapter 440. Medical treatment for a work related injury is provided on a “medically necessary basis” that is determined by a treating physician. The current contract for medical case management is with Cannon Cochran Management Services, Inc. since July 1, 2015. This booklet is designed to provide general information to help you understand the employer's responsibilities under the statue. It is not intended to be used as a comprehensive guide on all workers' compensation issues you may encounter. The workers' compensation statue is constantly changing and many issues are determined by the factual circumstances of a claim and any applicable case law. In all instances, you will need to rely on the expertise of ORM's Workers' Compensation Manager, CCMSI, and defense counsel to manage claim(s). If you have questions regarding a particular claim in your department, please contact the Workers' Compensation Manager at 954-262-5404. We, at ORM, believe that by working together we can effectively provide appropriate benefits to all injured workers in a cost efficient manner and appreciate your continued support in educating employees about their benefit/rights under workers’ compensation. Should you require training on issues concerning workers’ compensation management or ergonomics please sign up at the Risk Management website http://www.nova.edu/cwis/fop/risk/training/index.html. Additionally, we have created training videos to further our efforts about campus safety please direct your staff to review these videos at our training site http://www.nova.edu/cwis/fop/risk/training/index.html.
3 Table of Contents Page NSU Florida Guidelines - Section A Employer Responsibilities during a Non-Emergency…………….. ........................................ 4 Steps for an Emergency.......................................................................................................4 Dos & Don’ts of Reporting a Claim …………….. ..................................................................5 Departmental Information - Section B Risk Management Department Contact List ......................................................................6 Procedural Information & Injury Report Forms - Section C Nova Southeastern University Procedure Manual (Managers/OHR contacts) ....................................................................................................7 List of Medical Treatment Locations ..................................................................................... 8-9 First Report of Injury Form ............................................................................................... 10-11 NSU Employee Statement Regarding Cause of Accident ......................................................... 12 CCMSI/NSU Workers’ Compensation Treatment Authorization Form................................13 CCMSI Authorization for Medical Records and Communication Release .................................... 14 CCMSI False and Fraudulent Claim Warning ..................................................................15 CCMSI MyMatrixx Temporary Prescription ID card (English) .................................................... 16 NSU Workers’ Compensation Witness Report form ................................................................. 17 Employee Information – Section D NSU Workers’ Compensation Quick Facts ........................................................................ 18-20 I Am Injured Now What ................................................................................................... 21-24 69L-3.0036, F.A.C. Employer Informational Brochure ......................................................... 25-28 Resources ........................................................................................................................................ 29
4 NSU Florida Guidelines (Section A) _________________________________ Employer Responsibilities during a Non-Emergency 1. Contact Novalert at 954-262-8999 about the accident/injury. 2. Complete all pages of the injury document to include the First Report of Injury Form (DWC1), NSU Employee Statement Regarding Cause of Accident, CCMSI Authorization for Medical Records and Communication Release, and CCMSI False and Fraudulent Claim Warning. Forms may be downloaded at https://www.nova.edu/risk/forms/workers-comp.pdf. 3. Provide the injured worker with a copy of the fully executed forms (Case # will be provided once injury is reported to CCMSI). 4. Instruct the employee that he or she has the right to medical care. Assist the employee seeking care with calling HPD (Employee Health clinic) to ensure availability at 954-2621860, 954-262-2183, or 954-262-4100. If HPD cannot schedule with the employee or is closed, the individual should be sent to UrgentMed or Concentra based on their location. Other PCP offices must be approved by the Office of Risk Management. 5. Email all executed forms including the First Report of Injury Form, NSU Employee Statement Regarding Cause of Accident, CCMSI Authorization for Medical Records and Communication Release, and CCMSI False and Fraudulent Claim Warning to the Office of Risk Management to bcharmai@nova.edu. If Dr. Beckford is on vacation, please send to risk@nova.edu | workerscomp@nova.edu. Steps for an Emergency 1. Contact Novalert at 954-262-8999 immediately. Novalert will contact 911 when needed. 2. Proceed by following steps 2 thru 5 above.
5 Dos & Don’ts of Reporting a Claim DO • Complete all pages of the injury report document (e.g. First Report of Injury Form, NSU Employee Statement Regarding Cause of Accident, CCMSI Authorization for Medical Records and Communication Release, and CCMSI False and Fraudulent Claim Warning). • Write legibly on all pages of the injury report document. • Report the injury immediately by scanning and e-mailing the injury packet to the Risk Management Office to bcharmai@nova.edu. If Dr. Beckford is on vacation, please send to risk@nova.edu | workerscomp@nova.edu. • Use (current) First Report of Injury Form for Cannon Cochran Management Services, INC. Also found online at http://www.nova.edu/risk/forms/workers-comp.pdf. • Complete all areas denoted on the sample First Report of Injury form prior to faxing or emailing the completed injury report document. • E-mail the completed injury report document to the Risk Management Office to bcharmai@nova.edu immediately after you are notified of a work-related injury. • Refer the injured employee to the NSU Employee Health Clinic (HPD), UrgentMed, or Concentra Medical. If your location is not within the vicinity of any of these medical clinics, please contact your NSU Workers’ Compensation Manager (ext. 954-262-5404) or CCMSI adjuster (407-660-5637 /1- 866‐291‐0194) for an authorized location. • Provide the employee with a copy of the completed injury report document. Don’t • Use pencils or light colored pens to complete the injury report document including the First Report of Injury form. • Use First Report of Injury Form for any other insurance company. • Fax forms with missing information.
6 Departmental Information (Section B) Risk Management Contact List CONTACT NAMES PHONE E-MAIL POSITION Elizabeth Guimaraes 954-262-5271 (o) guimarae@nova.edu Director, Risk Management (954) 594-0087 954-262-3814 (f) Charmaine Beckford 954-262-5404 (o) bcharmai@nova.edu Workers' Compensation Manager 954-262-3814 (f) Ray Beverly 954-262-5273 rbeverl1@nova.edu Risk Management Program Manager 954-262-3814 Jessie Gilley 954-262-4329 (o) jg1932@nova.edu Risk Management Program Manager 954-599-7477 (c) 954-262-3721 (f) All Injuries/illnesses must be reported to the Risk Management Office (954-262-5404) by e-mail to bcharmai@nova.edu or risk@nova.edu | workerscomp@nova.edu. Public Safety must also be called to investigate the incident - Call Novalert immediately at ext. 28999. Novalert will call 911. For injuries/illnesses that occur after clinic/physician hours, weekends and holidays call 1-877-253-5169, or in an emergency go to the nearest hospital for care. Send Medical Bills To: CCMSI Risk Services Group, Inc. PO Box 948399 | Maitland| FL 32794-8399 Tel: 1-866‐291‐0194 * 217-477-6623 F Completed injury report document including the First Report of Injury Form must be faxed to 954-262-6860 or emailed to bcharmai@nova.edu or risk@nova.edu immediately after you are notified of an injury.
7 Procedural Information & Injury Report Forms Section C Workers' Compensation Issue Date: June 1990; Revised: March 2, 2009/August 2, 2011/December 9, 2013/July 2015/October 18, 2019/March 6, 2023/September 6, 2023 Policy Number: 37 Policy Applies To: All Employees The Florida Workers' Compensation Act is a system for providing necessary medical care and compensating workers who experience workrelated illnesses or injuries and are unable to work as a result of their illnesses or injuries. Employees are covered by Workers' Compensation from their first day on the job; there is no waiting period for eligibility for Workers' Compensation. Under Florida law, the term "injury" means personal injury or death by accident arising out of and in the course of employment, and any diseases or infections that naturally result from the injury. Workers' Compensation benefits include partial payment of lost wages if a work-related injury or illness causes the employee's absence for more than seven calendar days. In addition, Workers' Compensation, through the University's insurance carrier, pays all medical costs for medically necessary services pertaining to work-related injuries or illnesses when utilizing approved medical providers. The University will supplement wage payment by expending accrued personal, sick, or vacation leave, as necessary, once verification of the claim is received from the carrier, and the statutory "waiting period" has been met. When a work-related injury or illness results in lost time for more than 21 days, the Workers' Compensation wage benefits are retroactive to the original date of injury. In cases where the Workers' Compensation insurance carrier provides payment of wages, it is at the rate of twothirds of the employee's average gross weekly wage at the time of injury or illness up to a statutorily established cap. The University's supplemental wage payment, when available, is provided up to the amount of the employee's regular net pay. During the time that an employee is absent from work but has not reverted to unpaid status, the employee's medical insurance continues with both NSU and the employee paying their respective contributions. If the employee reverts to unpaid status, the university continues to pay for the employee's medical insurance premiums to avoid lapse in coverage whereby the employee's portion of the premiums would be collected in arrears upon the employee's return to work. When a work-related injury or illness occurs, the employee must immediately report the work-related injury to a supervisor (regardless of the severity of the injury). Either the supervisor or the employee must also notify the Risk Management Office and the Office of Public Safety directly. At that time the supervisor and employee must complete the First Report of Injury or Illness packet and submit it immediately to the Risk Management Office. NSU is required by law to report work-related injuries or illnesses whether major or minor, to the state within seven days of such occurrence. Supervisors and or OHR contacts must provide the Risk Management staff with an executed First Report of Injury or Illness packet and any pertinent notes and information so the claim can be filed with CCMSI and other follow-up procedures completed. Failure to do so could result in monetary and other serious fines. Therefore, all supervisors and or employees must report all work-related injuries immediately for filing. Arrangements for immediate medical care will be authorized and arranged by the Risk Management Office. NSU reserves the right to conduct drug and/or alcohol testing of all parties to work related accidents or incidents. Information about the drug testing policies may be accessed online at https://www.nova.edu/hr/policies/drug-alcohol-free-workplace.html. Employees electing to utilize medical providers not authorized in advance by Nova Southeastern University and/or its workers' compensation insurance carrier may be responsible for any costs related to such services rendered. Time away from work for the initial medical care should not be charged to the employee’s sick, personal, or vacation time. Subsequent followup medical care should be recorded in Shark Time (KRONOS) or on a leave and absentee report utilizing the employee’s accrued sick, personal, or vacation hours, or be unpaid. Employees are responsible for coordinating medical leave of absence with OHR, Lincoln Financial Group, and their department. Contact the Office of Public Safety; they will call 911 to provide medical attention for emergency situations. Medical care will be provided through the Workers' Compensation Network, NSU's insurance company and coordinated by the Risk Management Office.
8 List of Medical Treatment Locations HPD Clinics Davie Sanford L. Ziff Health Center 3200 S. University Drive – 3rd floor Davie, FL 33328 Phone: (954) 262-4100 Fax: (954) 262-3984 Hours: (M-F) 9:00 a.m. - 5:00 p.m. Sat: 9:00 am - 1:00 pm *Please contact the NSU Risk Management Office for other locations if the employee does not wish to go to the NSU Clinic. URGENTMED To be used only if employees are outside NSU area or if Injury occurs and NSU’s clinic is closed/cannot accommodate the employee 2337 South University Drive 10199 Cleary Blvd – Suite 10 Davie, FL 33324 Plantation, FL 33324 Phone: (954) 423-9234 Phone: (954) 473-8565 Fax: (954) 423-9231 Fax: (954) 473-8015 (*In the Promenade Plaza Near Longhorn Restaurant) Concentra Medical Centers To be used only if employees are outside NSU area or if Injury occurs and NSU’s clinic is closed/cannot accommodate the employee Fort Lauderdale (Sunshine) Miami 1347 South Andrews Avenue 7800 NW 25th St., Ste. 4 Ft. Lauderdale, FL 33316 Miami, Florida 33122 Phone: 954-767-9999 Phone: 305-593-2174 Fax: 954-763-9828 Fax: 305-593-1417 Hours: (M-F) 8:00 am – 08:00 pm Hours: (M-F) 8:00a.m. – 08:00 pm Sat & Sun: 10:00 am – 4:00 pm West Palm Beach 4455 Medical Center Way West Palm Beach, FL 33407 Phone: 561-881-0066 Fax: 561-881-5533; Hours: (M-F) 7:30 am - 6:30 pm Sat & Sun: 8:00 am – 4:00 pm
9 US Health Works Medical Group To be used only if employees are outside NSU area or if Injury occurs and NSU’s clinic is closed/cannot accommodate the employee Plantation Ft Lauderdale 7676-C Peters Road 1100 W Commercial Blvd, Ste 120 Plantation, FL 33324 Ft Lauderdale, Fl 33309 Phone: 954-474-4403 Phone: 954-564-2592 Fax: 954-474-4706 Fax: 954-564-2705 Hours: (M-F) 8:00 am – 08:00 pm Hours: (M-F) 8:00a.m. – 08:00 pm Sat & Sun: 10:00 am – 4:00 pm *Please contact the NSU Risk Management Office for other locations. For injuries/illnesses that occur after clinic/physician hours, weekends and holidays, you may send the employee to the closet urgent care facility, or in an emergency (911) to the nearest hospital for care.
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17 Employee Information Section D NSU Workers' Compensation Quick Facts Reporting Period: An employee who suffers an injury/illness arising out of and in the course of employment must advise his/her supervisor, Risk Management or OHR contact of the injury immediately, but no later than within 30 days after the date of or initial manifestation of the injury. The law requires that you report the accident or your knowledge of a job-related injury within 30 days of your knowledge of the accident or injury. Failure to report the injury/illness in the noted timeframe could result in the denial of the claim under certain circumstances. However, if the employee reports the injury after the 30 day period the information must be reported to Risk Management immediately using the pertinent forms found online at http://www.nova.edu/cwis/fop/risk/forms/workers_comp.pdf. Waiting Period for Comp Benefits after Injury: 7 days Wage Replacement Benefits: If an authorized treating physician places an injured worker off work the workers’ compensation benefits for lost wages will start on the eighth day that the employee is unable to work. No wage replacement benefits are paid for the first 7 days of work missed, unless the employee is out of work for more than 21 days due to the work-related injury. The wage replacement benefits will equal two-thirds (66-2/3%) of the employee’s pre-injury regular weekly wage, but the benefit will not exceed Florida’s Maximum Compensation Rate for the year of the accident and is on a paid bi-weekly basis. An injured worker who is receiving wage replacement can use 2.5 hours or equivalent hours of his/her own accrued sick, personal, or vacation hours towards full wage compensation (based on a 7.5 hour daily scale). Compensation is retroactive if disability continues for what period of time from the date of injury? If an authorized treating physician places an injured worker off in excess of 21 days, the 7 days is paid by the 4th week of disability. Choice of Physician: You must see a doctor authorized by your Risk Management office (ext. 25404) or the insurance company (407-660-5637 or 866‐291‐0194). If it is an emergency and you cannot reach the Risk
18 Management office or adjuster, to tell you where to go for treatment, go to the nearest emergency room and let Risk Management and the adjuster know as soon as possible what has happened. If it is after hours and you cannot reach the Risk Management office or adjuster, to tell you where to go for treatment and your PCP is not available go to the nearest emergency room and let Risk Management and the adjuster know as soon as possible what has happened. Per Florida Statute 440.13(2) (f), an injured worker is entitled to a one time change per accident. The insurance company will authorize an alternative physician within five days of receiving a written request from the injured worker. If medical care is provided outside an authorized approved network, the employer chooses the physician. Transportation during Disability Period: Medical transportation is available if the injured worker needs it. If the injured worker uses his/her vehicle for transportation to medical providers, they are reimbursed at the current rate of 44.5¢ per mile. The carrier/servicing agent can supply mileage forms or the employee can retrieve same online at http://www.nova.edu/cwis/fop/risk/forms/workers_comp.pdf. Call Cannon Cochran Management Services, INC. immediately at 407-660-5637 or 866‐291‐0194 if you need transportation or cannot make an appointment. Prescription Benefit: Medications can be dispensed at any pharmacy (see MyMatrixx listing). The injured worker pays no co-pay (prior to MMI) for Rx. if an authorized medical provider prescribes medical services, devices, appliances, etc., as it relates to the injury/illness. Please contact your claim adjuster at CCMSI (407-660-5637 or 866‐291‐0194) for authorization prior to receiving service or Risk Management for assistance. Notification from Insurance Company: Within 3-5 business days after you or the Office of Risk Management report the accident, you should receive an informational brochure explaining your rights and obligations, and a Notification Letter explaining the services provided by the Employee Assistance Office of the Division of Workers’ Compensation. These forms may be part of a packet which may include some or all of the following: ▪ A copy of your accident report or “First Report of Injury or Illness,” which you should read to make sure it is correct; ▪ A fraud statement, which you would have already read, signed and returned to the Office of Risk Management for forwarding to the insurance company. If you have not done so, then you must read, sign and return it as soon as possible, or benefits may be temporarily withheld until you do so;
19 ▪ A release of medical records, which you would have already read, signed and returned to the Office of Risk Management for forwarding to the insurance company. If you have not done so, then you must read, sign and return it as soon as possible; and Medical mileage reimbursement forms that you should fill out, after seeking medical treatment, and send to your claims adjuster for reimbursement. You may forward a copy to the Office of Risk Management to be placed on your file.
20 I am injured. Now What? FAQ’s regarding Workers’ Compensation ______________________________________ How long do I have to report a claim to my employer? All injured workers must contact their supervisor/employer immediately to notify them of any on-the-job injury. Claims reported after 30 days could be denied. Which forms do I need to complete? All injured workers should complete a First Report of Injury form, NSU Employee Statement Regarding Cause of Accident, CCMSI. NSU/CCMSI Workers’ Compensation Treatment Authorization form, CCMSI False and Fraudulent Claim Warning form and CCMSI Authorization for Medical Records and Communication Release form, NSU Workers’ Compensation Witness Report form when filing. It is important that all injured workers complete the fraud statement. Benefits might become suspended if said injured workers refuse to provide the requested signature. What doctor can I go to? Your Workers’ Compensation Risk Management Specialist (employer) or insurance company (CCMSI), upon becoming aware of your injury will direct you to a health care provider for such period as the nature of the injury or the process of recovery may require. Medical care must be authorized by the Workers’ Compensation Risk Management Specialist or insurance company. Why can’t I go to the doctor of my choice? Per Florida Statute 440.13(2) (a), the law requires that the employer/insurance company provide the appropriate medical care. Can I go to my own personal physician? No. You must go to an authorized physician provided by FICURMA or the insurance company (CCMSI). The doctor is not helping me. Can I request a different doctor for my treatment? Yes. Per Florida Statute 440.13(2) (f), you are entitled to a one time change per accident. The request for a change in physician must be in writing and provided to the insurance company (CCMSI). Upon receipt of the request, the insurance company will select and authorize an alternative physician within five days of receipt of the written request. The injured worker or insurance company (CCMSI) may also select a one-time Independent Medical Examination (IME), per accident. Please note, if your accident occurred on or after 10/1/03, the party requesting the IME is responsible for payment. Will I have to pay any medical bills? No, all authorized medical bills should be submitted by the medical provider to CCMSI for payment until you reach maximum medical improvement. Once you reach Maximum Medical Improvement you will be required to pay $10.00 co-pay per visit.
21 If prescribed, how do I get my prescription filled? If your authorized physician prescribes a prescription, please take the prescription to your pharmacist along with the information from MyMatrixx to ensure your prescriptions are billed directly to the insurance company. In rare cases you may be asked to pay for your medications: if this happens, you will be reimbursed any money you have to advance once receipts are provided to the insurance company. What is my responsibility when the doctor places me on restricted duty? It is your responsibility to communicate with your Supervisor and Workers’ Compensation Risk Management Specialist following your appointments. If you are given restrictions or placed out of work any time during your treatment, please ensure they are communicated to your Supervisor and Workers’ Compensation Risk Management Specialist immediately. Please remember, the doctor gives you restrictions until your next visit to help you recover from your injury. It is extremely important that you observe your restrictions at work as well as in your daily life. If you are placed on medical leave please contact your Human Resources Total Rewards team for information pertaining to filing a request for medical leave due to your workers’ compensation status. The contact extensions information can be had online at http://www.nova.edu/hr/staff.html. Do I have to attend my appointments? Yes. Time, effort and expense are put into providing your medical care. If you do not follow the doctor’s direction and attend all medical appointments your case may be terminated for non-compliance and all benefits suspended. If a medical bill comes to my house, what do I do? Fax or mail the medical bill to the Risk Management Office (fax # 954-262-6860/3814). The Workers’ Compensation Risk Management Specialist relates it to the claim and forwards it to your adjuster. CCMSI will pay all authorized invoices for your claim. Otherwise, you can elect to forward the bill to your CCMSI adjuster (fax. 217-477-6623) or by email to the adjuster. Will I get paid mileage to my medical appointments? If you, a family member or friend drives you to an authorized appointment, physical therapy, hospital, diagnostic testing or pharmacy you are entitled to mileage reimbursement @ 45 cents per mile or current rate. A form is available to document the appropriate mileage. What do I do if I can’t make my appointment or do not have transportation? Call CCMSI immediately at 407-660-5637 or 866‐291‐0194. When do I get my first check? You should receive the first check within three (3) weeks after reporting your injury to FICURMA/CCMSI and have been off work by an authorized treating physician beyond the waiting period. All injured workers must report any wages (from all employment) earned to the insurance carrier. How much will I be paid? In most cases, benefits are calculated at 66 2/3 percent of your average weekly wage up to the state max for the year of your accident. If you were injured on or after October 1, 2003, your average weekly wage is calculated using wages earned 13 weeks prior to your injury, not counting the week in which you were injured
22 Will I be paid if the doctor takes me off work? In most cases, your first check will be from the 8th day of disability through the time your authorized treating physician releases you to return to work. Under Florida law, you are not paid for the first seven days of disability, unless you are out more than 21 days. Will the check come to my house? If you are entitled to benefits, your check will be mailed to your home. Please make sure we have the most up to date information regarding your address and phone number. Can I receive unemployment compensation and workers’ compensation benefits at the same time? No, not if you are receiving temporary total or permanent disability benefits, you must be medically able and available to work to qualify for unemployment benefits. Will I get fired because of my injury? No. It is against the law to fire you because you have filed or attempted to file a workers’ compensation claim. If I choose to have Legal Representation how would this affect my claim? Injured workers are not required to have an attorney but are free to retain one if they so desire. If an injured worker elects to hire an attorney to represent him or her with his or her workers’ compensation claim - (a) Fees and costs may come out of benefits received, unless his or her employer or workers’ compensation carrier is held responsible for paying the attorney fees and other costs which may occur under certain limited circumstances. (b) All communication, whether written or verbal, pertaining to an injured worker’s claim, must be between the injured worker’s attorney and NSU’s Third Party Administrator. Consequently, the injured worker cannot communicate with NSU representatives/employees pertaining to his/her claim while represented by an attorney. If my claim is based on Mental or nervous disorders how is it covered? Mental or nervous injuries (440.093): A mental or nervous injury due to stress, fright or excitement only is not an injury by accident arising out of the employment (see 440.02(1), Definitions.) Section 440.093 addresses mental or nervous injuries. It states that the physical injury must be and remains the major contributing cause and limits the payment of permanent benefits for mental or nervous injury to six months following date of maximum medical improvement for the physical injury. Who do I contact if I have any questions concerning my benefits? CCMSI.: @ 407-660-5637 or 866‐291‐0194 . Their mailing address is CCMSI., 2600 Lake Lucien Dr. Suite 225, Maitland, FL 32751; Tel. 3407-660-5637 or 866‐291‐0194 and/or the Risk Management Office at 954-262-5404. (a) All injured workers must complete and return forms to the insurance carrier when asked. (b) All injured workers must notify the insurance carrier of any address changes.
23 Disclaimer: The above represents a summary of information pertaining to Nova Southeastern University’s Worker’s Compensation Benefit. Please note that worker's compensation law can be complex and these laws and policies are subject to amendment at any time. If you need help with a workers’ compensation issue, please consult your CCMSI and/or Workers’ Compensation Risk Management team.
24 69L-3.0036, F.A.C. Employer Informational Brochure https://www.myfloridacfo.com/docs-sf/workers-compensation-libraries/workers-compdocuments/employers/informational-brochure-for-employers-(english).pdf
25 69L-3.0036, F.A.C. Employer Informational Brochure cont’d
26 69L-3.0036, F.A.C. Employer Informational Brochure - Spanish 69L-3.0036, F.A.C.
27 69L-3.0036, F.A.C. Employer Informational Brochure - Spanish 69L-3.0036, F.A.C cont’d
28 Resources Nova Southeastern University Risk Management Office 3301 College Ave Suite 226 Fort Lauderdale, Fl 33314 Tel: (954) 262-5404 * (954) 262-3814 (fax) E-Mail: risk@nova.edu Claims-Handling Entity Cannon Cochran Management Services, Inc. PO Box 948399 | Maitland| FL 32794-8399 Tel: 407-660-5637 | 1- 866‐291‐0194 | 217-477-6623 (fax) | FICURMAmail@ccmsi.com After Hours: 1-877-253-5169 For more information regarding prevention of risk visit our website at http://www.nova.edu/cwis/fop/risk/
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