Feature |
NEA/UEA/AIG
Insurance |
AAE |
Utah Risk Management (RM) |
Requires Membership |
Yes, but only at the time of the incident |
Yes, at the time of the incident and at the time suit is brought (continuous membership) |
No, only public employment by an insured entity |
Legal representation of Members in cases of accident, death or injury to others arising out of job-related activity |
Yes, except for intentional injury to the other person |
Yes, except for intentional injury to the other person |
Maybe - depends on RM’s evaluation of teacher’s fault. |
Maximum liability amount third party liability (non-civil rights) |
$1 million (M) per person, $3 M per occurrence; attorney paid by NEA/UEA or AIG |
$2M per person; $2 M per occurrence; $2 M max for all claims (country-wide); up to $5,000 attorney’s fees to defend the suit if the insured pays the first $100 and 10% thereafter |
Limit of $620,700 per person per occurrence; $2,126,00 per occurrence; $248,300 property damage.1 |
Liability in case of a civil rights claim |
$300,000 |
Same as above |
Same as above |
Represents Members in adverse personnel actions initiated by District |
Yes, no limit |
Requires insured to pay the first $100 and attorney’s fees up to various maximums described below |
Never |
Files grievances against District to enforce the collective bargaining agreement or board policy |
Yes |
No |
Never |
Represents members accused of assaulting students |
Yes |
90% of up to $10,000 if the charges arise out of corporal punishment, the insured pays the first $100 and is found not guilty; otherwise—no |
Not based on UEA’s experience |
Pays attorney’s fees in job-related criminal charges |
Up to $35,000 attorney’s fees if the Member is found not guilty; UEA handles most assault cases for its members at its cost |
No, except charges of sexual misconduct. See below |
RM defends very few criminal cases involving school employees |
Pay attorney’s fees in civil or criminal cases arising out of sexual abuse or misbehavior |
See above civil and criminal charges above |
The insured is reimbursed up to $50,000 if the insured is found not guilty and pays out of pocket the first $100 and 10% of all attorney’s fees |
Not based on UEA’s experience |
Maximum total personal property damage in case of a job-related assault |
$500 |
None |
$0 |
Represents members threatened, harassed, or assaulted by students, parents, or others |
Yes |
No |
Never |
Assists members obtain workers’ compensation |
Yes |
No |
Never |
Represents members in personnel file disputes |
Yes |
No |
Never |
Represents members in licensing disputes with the Utah Professional Practices Advisory Commission |
Yes |
No |
Never |
Bail Bond |
$1,000 per bond |
$1, 000 |
None |
Assists members in salary disputes with District |
Yes |
No |
Never |
Assists members with medical insurance claims and disability |
Yes |
No |
Never |
Represents members accused of child abuse by Division of Child and Family Services |
Yes |
No |
No. The State usually prosecutes the case! |
Assists members obtain unemployment insurance |
Yes |
No |
Never |
Works with the District to ensure fairness of the District’s evaluation program |
Yes |
No |
Never |
Helps members improve employment performance |
Yes |
No |
Never |
Files actions against people who libel or slander members |
Yes |
No |
Never |
Negotiates protection for members |
Yes |
No |
Never
|
Represents members in retirement disputes with district |
Yes |
No |
Never |
Represents members in termination, demotion, involuntary transfers, suspensions or other disciplinary actions |
Yes, 100% through the administrative remedy and 100% if the association believes the Member has a reasonable chance of prevailing in litigation or in a civil rights administrative proceeding |
Reimburses the insured’s legal expenses: Pays $50 for requesting a preliminary or school board hearing;
Up to $5,000 the insured incurs defending a claim if the insured pays 10% and the first $100; Up to $750 for assistance requesting a formal hearing; Up to $4,000 if the insured files a suit to get his/her job back, pays the first $100 and prevails against the district. AAE pays up to $750 even if the insured does not prevail. |
Never |
Assists members obtain benefits under the district’s insurance policies |
Yes |
No |
Never |
Represents members in retirement disputes with the Utah Retirement Office |
Yes |
No |
Never |
