Welcome to the BH&A Spring Seminar. Who is BH&A … … and what do we do? Small, specialist consultancy in incapacity / disability and risk claims / insurance.

Welcome to the BH&A

Spring Seminar

Who is BH&A …… and what do we do?

• Small, specialist consultancy in incapacity / disability and risk claims / insurance matters (LT)

• Focus areas are:• Disability / incapacity issues in the employer / employee

environment• Disability / incapacity assessments in the insurance domain • Assessment of injuries / disability / incapacity in the litigation

arena – MVA; medical negligence; prof. indemnity and public liability; risk / insurance litigation

• Claims assessments in the risk domain, mostly second opinions and disputed claims decisions

• Claims ‘audits’; contract / policy wording; claims training …• Special projects, mostly research • EBH - financial crisis intervention and management at shop

floor level for an international company, part of a global team

Our national team

• Based in Cape Town• Franchise office in Johannesburg• Associates based in Port Elizabeth, Durban and

Bloemfontein• All work is handled by and channelled through either

the Cape Town or Johannesburg office• 7 Occupational Therapists in total in the team• Widely networked - pull in other expertise as and

when needed across the country• 2014 will be BH&A’s 10th of operation - with EBH and

LAB having a combined 40+ years of expert experience and the combined team being geriatric in years of experience

Why today’s topics?

• Debt – and employee debt - is becoming epidemic, with half of our workforce being ‘bankrupt’ at the end of each month …

• Claims decisions are not always ‘black and white’ – new methods for fair determination and decisions are required …

• The legal environment has changed – more options are available to more people via Class Actions …

How does this tie up?

• Debt = EAO’s; ill-health; depression; lost productivity; increased wage demands; retrenchments … Meyer will tell you more

• Incapacity / claims mediation = the provision of solutions when an incapacity or claims decision is not a simple yes or no … Jacques will tell you more

• Class actions = reckless lending; EAO’s out of hand; specific benefit and insurance management issues … the experts will tell you more

‘Change is the law of life and those who look only to the past or present are certain to miss out on the future’ JOHN F KENNEDY

The topics you are about to hear are an introduction to the changes to be embraced in

the future

ENJOY the afternoon