SPRING 2013
PUBLICATION OF ASSOCIATED BUILDERS AND CONTRACTORS OF MICHIGAN
WHAT THE NEW
RIGHT TO WORK LAW MEANS TO YOU
Also:
Clarifying the Affordable Care Act Prevailing Wage Repeal will save taxpayers millions
DISTRIBUTORS OF SIDING: CertainTeed, Wolverine, Napco, Foundry, Nailite ROOFING:
Atlas, CertainTeed - ROOFTOP DELIVERY
WINDOWS: Ply Gem, Vinylmax, Silverline, Weather Shield (7 DAY CUSTOM ORDERS)
GUTTERS: Custom Lengths While U Wait, Over 20 Colors, 5" & 6" VINYL DECKS: Vinyl & Composite CertainTeed & Fiberon MICHIGAN CONTRACTOR SALES MANAGER jr@sidingworld.com (313) 350-4691
15
WA IN MREHOUSE TO S ICHIGA S ERVE N YOU !
INSTALLERS AVAILABLE
www.SIDINGWORLD.com
Inside 4
ABC needs to do everything in our power to keep a Merit Shop friendly Governor, House of Representatives and Senate.
6
Executive Perspective
What the New Right to Work Law Means to You We fought for it and won, and now Right to Work is the law in Michigan. How will the new law affect ABC members? We ask four leading labor law experts to explain.
14 Clarifying the Affordable Care Act
The Affordable Care Act takes effect in 2014. Here we explain how it applies to you and your business with easy to understand charts and examples.
22 LARA’s Bureau of Construction Codes Announces Online Enhancements
New capabilities will benefit inspectors, contractors, licensees.
24 MIOSHA Reminds Employers They Must Post Job-Related Injuries and Illnesses
One of the most important components to an employer’s safety and health effort is accurate record keeping.
VOLUME VII, ISSUE 2 On March 28, 2013, Michigan’s Freedom to Work law officially took effect making our state the 24th right to work state in the country.
Government Affairs Update 18 Legislation introduced to repeal prevailing wage; passage will save taxpayers millions. ABC pushes for stronger vocational and CTE programs in Michigan high schools.
ASSOCIATED BUILDERS and CONTRACTORS of MICHIGAN 2013 BOARD of DIRECTORS Chris Beckering – Chairman Pioneer Construction – Western Michigan Chapter
It’s Great to Live in a Right to Work State!
Brian Stadler – Vice Chairman Wolgast Corporation – Greater Michigan Chapter Dave Sheffield – Secretary/Treasurer Onslow-Sheffield – Southeastern Michigan Chapter
On March 28, 2013, Michigan’s Freedom to Work law officially took effect making our state the 24th right to work state in the country. With the law so recently taking hold we wanted to devote part of this issue of Michigan Merit to asking some leading labor lawyers to dissect the law and offer some practical input for Merit Shop contractors. Be sure to take a look at the important information these top Michigan attorneys are sharing and make sure you get the facts as they relate to our industry and your
Dave Mollitor – Past Chairman Consolidated Electrical Contractors – Greater Michigan Chapter Jim Cripps Cripps Fontaine Excavating, Inc. – Western Michigan Chapter Rick Jackson Jackson Associates, Inc. – Southeastern Michigan Chapter Mike Kelly Wolverine Building Group – Western Michigan Chapter Rod Kloha Circle K Service Corp. – Greater Michigan Chapter Bill Molnar Wm. Molnar Roofing, Inc. – Southeastern Michigan Chapter Dan Murphy MAG Insulation – Greater Michigan Chapter Jack VandeGuchte Sobie Co., Inc. – Western Michigan Chapter Dan Welch Welch Tile & Marble Company – Western Michigan Chapter Michigan Merit Contributors Publisher: Christopher Fisher Managing Editor: Mary Boardway, CAE Communications Coordinator: Kelly Dancsok ABCMI Economist: Don Wilson Design and Printing: Keystone Millbrook Advertising: Strategic Value Media Michigan Merit (ISSN# 1938-9051) is the official publication of Associated Builders and Contractors Inc. of Michigan (ABC of Michigan) and is published quarterly at 230 N. Washington Sq., Suite 202, Lansing, MI 48933, (517) 853-2545. Please direct all inquiries to the previous address. Articles written by outside authors do not necessarily reflect the views of Associated Builders and Contractors Inc. of Michigan. ABC of Michigan reserves the right to reject or edit all material submitted for publication. The appearance of an advertisement in Michigan Merit does not constitute endorsement of the advertiser, its products or services, nor do Michigan Merit or Associated Builders and Contractors Inc. of Michigan guarantee or warrant any claims or offers made by the advertisers.
company. Empowering Michigan As most economic experts will eagerly point out, Michigan officially becoming the 24th right to work workers with this basic state is a game changer for our state and for an choice is a tremendous improved economy. As of March 28th, workers in our step forward on behalf state finally have the right to freely choose whether or of equity and fairness in not to affiliate with a labor union. Empowering Michigan workers with this basic choice is a tremendous the workplace and step forward on behalf of equity and fairness in the ABC is determined workplace and ABC is determined to do all we can to to do all we can to preserve and defend this important law. preserve and defend From today on, it is the duty of free-enterprise supporting, Merit shop contractors to be leaders in this important law. protecting our gains. Simply put, ABC needs to do everything in our power, starting today, to keep a Merit Shop friendly Governor, House of Representatives and Senate. Disturbingly, recently the leading democratic candidate for governor was on statewide television specifically attacking ABC and pledging to undo Right to Work and other key Merit Shop legislative gains. Make no mistake, ABC recognizes the stakes and we are ready to defend our membership and to stand by the principles of the Merit Shop. Just as we’ve played some great offense, we need to be every bit as equipped and dedicated to also playing effective defense.
Yours for the Merit Shop, Chris Fisher
Permission to reprint in whole or in part is hereby granted, provided the following credit line is used: “Reprinted by permission from Michigan Merit, a publication of Associated Builders and Contractors Inc. of Michigan.”
4
S pring 2 01 3
Michigan Merit
Accent Window & Door
Replacement & Repair New Construction Windows Sash Replacement-Fogged Glass-Broken Seal-Wood RotVinyl & Wood Clad Replacement Windows 13036 23 Mile Road Shelby Twp. MI 48315 586-843-3461 www.Awad23.com accentwindow@hotmail.com
Licensed, Insured and Bonded
Robinson Electrical & Mechanical Inc. Electrical • Installation Fresh Water Control Installation Wastewater Pumps & Controls
11475 W. Lincoln Rd. PO Box 69 Riverdale, MI. 48877
In Business For Over 30 Years
egi SOLUTIONS
Phone: 989-833-7440 Fax: 989-833-7870
Barricades • Channelizers • Cones Traffic Safety • A Frames • Crowd Control Signage • Tags • Labels • Property ID
6029 14 Mile Road., Sterling Heights, MI 48312
www.tagsbyegi.com www.plasticade.com www.4everproducts.com
586-978-9630 • Fax: 586-268-2694 imradtke@aim.com
1-800-890-8745
WWW.GARBERCHEVY.COM
THE LARGEST WORK-READY, UP-FIT COMMERCIAL INVENTORY IN NORTHERN MICHIGAN WORK TRUCKS • WORK VANS • DUMP TRUCKS • SERVICE BODIES • UTILITY BODIES • CUBE VANS • PLOW TRUCKS • SPECIALTY TRUCK EQUIPMENT
GARBER CHEVROLET INC. 1700 N. Saginaw Rd. Midland,MI
Brian Strong, Fleet and Commercial Sales Manager
Fire Sprinklers Save Lives
www.brigadefire.com
5701 Safety Drive, Belmont, MI 49306 • Phone: 800-886-1614 • Fax: 616-784-1140
• • • • •
• • • •
• • •
• • • • •
What the New
Law Means to You by Kathleen McKee Snyder
abc of mICHIGAN ENLISTED THE HELP OF FOUR LABOR LAW EXPERTS to offer YOU, THE BUSINESS OWNER, A comprehensIve understandIng of what the rIght to work law means to you.
KEITH EASTLAND
O
FRANK MAMAT
n March 28th of this year, the landmark Right to Work legislation, signed into law by Governor Rick Snyder on December 11, 2012, became law. The law makes Michigan the twenty-fourth state to enact right to work legislation. Michigan’s law affects all union members except police officers and firefighters, who are exempt under Public Act 312 because of the hazardous nature of their occupations. Since Governor Snyder signed the legislation, the law has been surrounded by much controversy and misinformation, so much so that we thought it would be a good idea to clarify what the law does and does not do. Michigan’s Right to Work law does: • Prohibit agreements between employers and unions that require public or private sector employees to join a union or pay union dues or agency fees as a condition of employment. • Give workers the choice of paying union dues. Michigan’s Right to Work law does not: • Prohibit unions. • Prohibit collective bargaining.
KRAIG SCHUTTER
JEFF THEUER
• Impact health and safety regulations. Beyond the basic facts of the new law, we wanted to offer you a more comprehensive understanding of what the law means to you, the business owner. To that end, we enlisted the help of four labor law experts from around the state for a question-and-answer session: Keith Eastland from Miller Johnson; Frank Mamat from Foster, Swift, Collins & Smith; Kraig Schutter from Masud Labor Law Group; and Jeff Theuer from Loomis, Ewert, Parsely, Davis & Gotting. Here we share their insights and observations.
How serious are the efforts to thwart the new law in state or federal courts? All of our experts agreed that any efforts to overturn the law in court should be considered serious, but they also agree that the current challenges are unlikely to be successful. The federal challenge to the Right to Work law (RTW) appears to be based on alleged violations of the Supremacy clause of the U.S. Constitution, specifically federal preemption and equal protection. “These theories have not been successful in similar lawsuits in other right
“The Home of Simply Outstanding Service”
Your Experts in
COMMERCIAL HEATING & COOLING SYSTEMS
989-695-9461
GOT A QUESTION? E-mail The Answer Team at: sos@answersos.com
8
S pring 2 01 3
Michigan Merit
to work states,” says Kraig Schutter. There has also been a unique claim filed based on the State’s open meetings act, which Frank Mamat sees as “clearly frivolous.” Jeff Theuer suggests that it may be too soon to assess how these cases will resolve since “the issue is political as well as legal. Unions have a strong incentive to oppose RTW because the law stands to decrease their political influence over the long term.” Although it’s true that political opposition will continue, Keith Eastland offers ABCMI members reassurance: “Business owners should be confident that RTW will survive the current challenges.”
How does it change the way I conduct my business as a merit shop contractor right now? Based on the opinions of our experts, RTW will have little immediate effect upon the day-to-day operation of the merit shop. “The law only impacts individual employee rights when working for a union company,” explains Mamat. “RTW gives individuals the right to stop paying dues within a union company.”
How does the new law affect attempts by the unions to unionize my shop? All four experts agree that the law doesn’t directly affect attempts by unions to organize a particular shop; that is governed by federal law. “However,” says Theuer, “focusing on the long-term, RTW will likely result in less union influence generally, and that may eventually change the rules regarding unionization.” Eastland adds, “Unions have been on the decline for years – since the 1980s. By allowing unionized employees the option not to pay dues, unions can expect a decline in revenue. This is good for the merit shop because less money being paid to the unions
means less money available for unionizing activities.” On the flip side, three of our experts suggest that there may be one angle that could make it easier for union organizers by giving them, as Schutter calls it, “a new tool in organizing,” a tool referred to by Eastland as “the giveus-a-shot approach.” Schutter explains further, “Historically, virtually all union contracts in Michigan required the payment of dues by those covered under the agreement, with employment termination the penalty for nonpayment. Union organizers had to convince employees in a union election that they should take it on faith that the eventual contract would be to their benefit, and therefore worthy of the union’s monopoly power over their paychecks. Now union organizers can tell potential voters that they are committed to earning the voluntary payment of union dues and that there is no downside to voting for the union in an election. Union organizers will now be able to say: ‘What do you have to lose? If you don’t like the contract or our representation, you don’t have to pay for it.’” Mamat echoes this sentiment: “In the past, a merit shop employer could argue that everyone will have to pay dues, even those who vote against the union. Now that argument disappears.” Schutter adds, “The new law also forces unions to build better relationships with potential union members. If unions are more successful in relationship building, they will naturally be more difficult to turn back in a union organizing campaign. To the extent that the law actually increases union organizing efforts (a matter of some debate in the legal community), RTW means continued vigilance of ABC member contractors in protecting one of their most important competitive advantages, namely, their merit shop/nonunion status.”
Access America’s Top Skilled Craftsmen. Detroit: 877.511.0006 Grand Rapids:877.942.8933 Kalamazoo: 877.345.3950
Lansing: 888.694.1511 Midland: 877.866.8761
Call our office nearest you to access Safe and Productive Craftsmen!
tradesmeninternational..com www. abcmi .com
Spring 2013
9
What happens if my employees decide they wish to unionize? How does this change what I have to do in that case? All our experts were in accord—the new law does not effect what the merit shop owner must do if the employees decide to unionize. “If the union prevails, the employer has an obligation to sit down and negotiate,” states Eastland. “The difference under the RTW law is that employees cannot be required to join the union themselves or pay dues to the union even if the union is certified.” “Because the new law strips away from the company one of the stronger arguments against unions,” says Mamat, “merit shops facing unionization will have to come up with new arguments to persuade workers to vote against the union.” Schutter elaborates this point, “With Right to Work, the key for merit shop contractors is to ensure the conditions under which employees have no reason to look to a third party for representation. ABC members need to dust off their union avoidance plans and get busy shoring up their favorable employment conditions. This means making sure wages and benefits are fair and comparable. It means addressing employee concerns on a timely basis. It means communicating with employees about the downsides unions bring to both the company and to the employees themselves. It also means making sure supervisors understand and can execute their role in the union avoidance process.”
How will the RTW law benefit my company? Jeff Theuer sees a bright future because of Right to Work. “For a merit shop contractor, the RTW law was designed to increase business and create more opportunity in the State of Michigan. As the effect of the new law
is felt, merit shop contractors should expect to see more opportunity to bid jobs and types of projects that were previously unavailable for merit shop contractors. As business is attracted to the State, and the cost of development is reduced, more projects should be available for bidding, and all merit shop contractors should benefit from more work and an improving economy.” Kraig Schutter agrees with this forecast. “Almost all of the economic growth is in right to work states. Admittedly, there are a lot of factors that go into economic growth – taxation, education, transportation, etc. – but there is no denying that right to work states are attractive to businesses, therefore enhancing economic growth. As businesses locate or expand in Michigan to a greater degree under RTW than they otherwise would, ABC members stand to benefit.” Keith Eastland foresees a decline in union organizing due to RTW, and that will be good for the merit shop. Frank Mamat agrees that RTW will eventually weaken unions.
If a current merit shop company with no collective bargaining agreement in place became signatory after the new RTW law takes effect, will all employees become union members with the right to opt out of certain union dues, or will the employees have the option to either join or not join the union? Kraig Schutter sums up the thinking of our experts in a concise but comprehensive explanation to this very complex question. “It works like this: The contractor and the union will be prohibited from requiring employees covered under the agreement to pay dues or be fired. If an employee does not want to become a member or to pay
Sales • Service • Rentals • Parts 3310 Hudson Trails Drive, Hudsonville, MI 49426 p: 616.896.7700 • f: 616.896.6700 w: www.grandequipment.com ID
• ACOUSTICAL CEILINGS • METAL FRAMING • DRYWALL • EIFS
3876 EAST PARIS AVE SE, SUITE 18 GRAND RAPIDS, MI 49512 FAX: 616-975-3709 TEL: 616-975-3705 www.titaninteriors.net
10
S pring 2 01 3
ICHIGAN ATERIALS, INC.
MidMichMat.com
O: (810) 327-6251 F: (810) 327-6037 general@MidMichMat.com Concrete & Asphalt Aggregates • Sand & Gravel 6966 Fisher Rd. • Jeddo, MI 48032
Michigan Merit
“...As the effect of the new law is felt, merit shop contractors should expect to see more opportunity to bid jobs and types of projects that were previously unavailable for merit shop contractors...” — Jeff Theuer dues, he need do nothing. He will be covered under the labor agreement, but because he is not paying dues, he will not get to vote on the contract’s terms or to otherwise participate in union affairs. If an employee wants to become a union member and pay dues so that he can vote on the contract and participate in the union, he will likely sign a membership form with the union. When it comes to the payment of dues, he will also most likely complete a dues authorization card instructing the contractor to take dues out of his paycheck and to remit the dues to the union. Assuming the contractor agrees to provide that service (usually in exchange for something the company wants in the labor contract), the employee will be obligated to pay the dues until he revokes his authorization form and revokes his membership in the union.”
Is it thus possible that a company could become signatory, and not have any employees join the union? All our experts said that, theoretically, the answer to this question is “yes,” with some qualifications. According to Theuer, “For most industries the answer is generally no, since in theory more than half would have voted to support
Shafer Redi Mix Inc. - Shafer Bros., Inc
the union and presumably would be willing to pay dues. However, in the construction industry, an employer can become signatory without a vote. So, theoretically, it may be possible to become signatory and have all employees opt out of paying dues.” Eastland suggests another scenario: “After a current contract expires, in theory every employee could simply stop paying dues, but this is very unlikely.” Schutter agrees with our other experts that the idea of a company being signatory with out any employees joining the union is unlikely. “Unions have to either be voted in by a majority of employees or they have to be voluntarily recognized by the company as having majority support. While there are some variations to the rules in the construction industry, the point is that union representation is based on the desire of the majority of employees. It is hard to imagine a circumstance where the union enjoys majority support of employees who then do not become members or pay dues. Even if it were to happen, I can’t imagine the union sticking around. The union would undoubtedly disclaim interest in the bargaining unit.”
Portable Onsite Concrete Plants Available Nation Wide
517-629-4800
www.shaferredimix.com • www.shaferbros.com
Locations in Michigan & Ohio
Jackson, MI • Mason, MI • Albion, MI • Battle Creek, MI • Montpelier, OH
Alma Painting, Inc.
“We Cover the North”
Serving Northern Michigan Since 1940 Full Service Licensed Contractor Fully Insured & Bonded Phone: 989-821-9363 or 800-766-1218 Fax: 989-821-5962 Website: www.almapainting.com Email: almapainting@charter.net
www. abcmi .com
Spring 2013
11
What other issues do business owners (employers) need to be aware of or take into account as a right to work state? Kraig Schutter identified a possible concern that business owners who currently have union employees may face: “If a contractor is currently a party to a collective bargaining agreement requiring contributions to a multi-employer pension plan, there is cause for concern for that contractor. Most if not all of those pension funds are underwater. Under ERISA, a company that eventually ceases to have an obligation to contribute to such a plan (and which attempts to stay in business performing that particular type of construction work) must pay withdrawal liability to the plan, that is, the actuarial apportionment of the unfunded liability. Withdrawal liability can reach into the millions of dollars even for a relatively small contractor. So, if a substantial number of employees of that contractor were to stop paying union dues under RTW, so much so that the union
were to respond by disclaiming interest in the bargaining unit, the labor agreement would naturally cease to operate which, in turn, would cause the contractor to cease having an obligation to contribute to the multi-employer pension plan. The end result is the imposition of massive withdrawal liability to that unionized construction contractor under a circumstance over which that contractor has no control.”
What other question(s) do you expect to see surface & how would you answer those questions? Keith Eastland suggests, “The big issue that’s bouncing around right now is what happens when unionized employers settle contracts before the new law is implemented.” Frank Mamat agrees: “Since the middle of December, unions have been going around trying to get 10-year extensions instituted before the law goes into effect. There is case law under the National Labor Relations
M I K E W A A L K E S · L I G H T H O U S E G R O U P. N E T 800.344.3531 EXT 7812
for where you are,
for where you’re going.
BENEFITS · BUSINESS · LIFE · PERSONAL · TITLE
12
S pring 2 01 3
Michigan Merit
Act that brands premature extensions as illegitimate and prohibits endless extensions.” Theuer believes that many questions could arise down the road. “One might be: what are the boundaries of the duty a union has to represent a bargaining unit if most or all members opt out of paying dues?” Schutter offers this perspective: “It will be interesting to see what directives unions give to their dues paying members concerning those employees who decide not to pay dues. At a minimum, we expect that unions will post notices identifying and ostracizing those employees. The Michigan Right to Work statute has a provision making it unlawful for any ‘person’ to intimidate or threaten another person in regard to the decision to pay dues. In the event unions or pro-union employees take more active measures against nonpaying employees, the State will process any resulting complaints and may fine the offending party up to
$500 per violation.” Mamat is also interested in seeing the response from the unions. “Unfunded liability will go up, we know that. The unions will either go out of business or they’ll be forced to reinvent themselves. And there is no doubt there’s a union fallback plan to try and punish the legislators who passed RTW and to try and elect new legislators who will revisit the law.” Overall, our experts see mostly positive outcomes of Michigan’s new Right to Work law, although they point out that its effects will be both complex and far-reaching. As for the macro-economic benefit, Keith Eastland says, “With RTW, Michigan is now saying ‘We’re open for business.’” Jeff Theuer adds, “The purpose of the law is to make Michigan more attractive for business and development, and that should create more jobs and opportunity for everyone.” MM
www.waterworks.hdsupply.com 6575 23 Mile Road Shelby Twp, MI 48316 P 586-323-8800 F 586-323-8812
4901 Dewitt Canton, MI 48188 P 734-398-5950 F 734-398-5970
Ronald H Chambers Independent Associate
Vice President of Group Marketing 17600 Northland Park Ct. Southfield, Michigan 48075 tf/f: 877-875-8203 o: 313-215-5304 r_chambers@legalshield.com www.legalshield.com/HR/Presentation
www. abcmi .com
Spring 2013
13
Development
BUSINESS
Clarifying the Affordable Care Act With the Patient Protection and Affordable Care Act (“the Act”) taking effect in 2014, employers and individuals need to know what applies to them and how they can determine their obligations in keeping with the Act. ABC chapters in Michigan have offered several informational meetings to assist members in determining the extent of their liabilities under the new Act. With the assistance of one of the presenters, Jerry Panich of GRA Benefits Group in East Lansing, we are offering an introduction to the Act and its tenets here. With the help of the following charts, member companies can audit their company’s compliance by answering a few simple questions. Before using Chart #1 on page 15, it is necessary to calculate the Full-Time Equivalents (FTEs) of your company. This is NOT necessarily the same as your full-time employee count. To assist with that calculation please refer to Example 1 at right. As noted in Example 1, there is a penalty for not offering coverage, which is a tax equal to the number of full-time equivalent employees (less the 30-employee threshold if the employer qualifies as an applicable large employer). It is important to note that an employer is not considered to be an applicable large employer if their workforce exceeds 50 full-time employees for not more than 120 days during the calendar year and those excess employees are seasonal workers. In the Act, a full-time employee is defined as someone who is employed on average at least 30 hours per week. To determine the individual obligation under the Act, refer to Chart #2 on page 16. Only those individuals who respond “no” to both questions would be penalized for not having health insurance. Those penalties are outlined year by year at the bottom of the chart.
Example 1: Calculation of Full-Time Equivalents XYZ Construction Company has 48 full-time employees, 3 part-time employees who work 20 hours a week, and 3 part-time employees who work 10 hours per week.
In 2014, the 3 part-time, 20-hours-a-week employees work for an aggregate of 240 hours per month, and the 3 part-time 10-hours-a-week employees work for an aggregate of 120 hours per month. The total aggregate hours worked by non-full-time employees are 360.
The total aggregate hours of non-full-time employees, 360, is then divided by 120 to arrive at the number of full-time-equivalent employees, 3.
XYZ Construction Company has 3 full-time-equivalent employees for a total of 51 full-time-employees (3 + 48), and therefore is an applicable large employer subject to the law’s mandate.
This information is intended as a general guideline to assist ABC members and their employees in determining how the new Act applies to them. The information above is not intended to give legal, accounting or health insurance advice and we encourage each ABC member to seek the advice of their accountant, insurance agent or attorney, if needed.MM
And Insulation Systems, Inc.
www.greatlakesroofing.com 800-800-6207 An authorized Duro-Last contractor Flat Roofing, Blown Cellulose & Fiberglass, & Spray Foam Insulations www.greatlakesroofing.com
14
800-800-6207 An authorized Duro-Last contractor
S pring 2 01 3
Your Total Security & Integration Solutions Provider
Ronald O. Colvin 575 E. Isabella Road Midland, MI 48640 ronc@securecominc.com www.securecominc.com
Owner O: (989) 837-4005 C: (989) 615-3384 F: (989) 837-3289
Michigan Merit
Development
BUSINESS
Chart #1
www. abcmi .com
Spring 2013
15
Development
BUSINESS
Chart #2
The Requirement to Buy Coverage Under the Affordable Care Act Beginning in 2014 Do any of the following apply? · You are part of a religion opposed to acceptance of benefits from a health insurance policy. · You are an undocumented immigrant. · You are incarcerated. · You are a member of an Indian tribe. · Your family income is below the threshold requiring you to file a tax return ($9,350 for an individual, $18,700 for a family in 2010). · You have to pay more than 8% of your income for health insurance, after taking into account any employer contributions or tax credits.
Start here.
Yes
There is no penalty for being without health insurance.
Yes
The requirement to have health insurance is satisfied and no penalty is assessed.
No Were you insured for the whole year through a combination of any of the following sources? · Medicare. · Medicaid or the Children’s Health Insurance Program (CHIP). · TRICARE (for service members, retirees, and their families). · The veteran’s health program. · A plan offered by an employer. · Insurance bought on your own that is at least at the Bronze level. · A grandfathered health plan in existence before the health reform law was enacted. No
There is a penalty for being without health insurance.
2014
2015
2016 and Beyond
Penalty is $95 per adult and $47.50 per child (up to $285 for a family) or 1.0% of family income, whichever is greater.
Penalty is $325 per adult and $162.50 per child (up to $975 for a family) or 2.0% of family income, whichever is greater.
Penalty is $695 per adult and $347.50 per child (up to $2,085 for a family) or 2.5% of family income, whichever is greater.
The penalty is pro-rated by the number of months without coverage, though there is no penalty for a single gap in coverage of less than 3 months in a year. The penalty cannot be greater than the national average premium for Bronze level coverage in an Exchange. After 2016, healthreform.kff.org penalty amounts are increased annually by the cost of living.
Key Facts: · Premiums for health insurance bought through Exchanges would vary by age. The Congressional Budget Office estimates that the national average annual premium in an Exchange in 2016 would be $4,500-5,000 for an individual and $12,000-12,500 for a family for Bronze coverage (the lowest of the four tiers of coverage that will be available). · In 2010 employees paid $899 on average towards the cost of individual coverage in an employer plan and $3,997 for a family of four. · A Kaiser Family Foundation subsidy calculator illustrating premiums and tax credits for people in different circumstances is available at http://healthreform.kff.org/subsidycalculator.aspx.
16
S pring 2 01 3
Michigan Merit
REAL ESTATE & DEVELOPMENT • DESIGN/BUILD CONSTRUCTION MANAGEMENT • BUILD TO SUIT/LEASEBACK LEASE SPACE • COMMERCIAL PROPERTIES • GENERAL CONTRACTING
LOCATE • DESIGN • BUILD
An Upper Peninsula Contractor Serving Michigan
906-482-3000
www.moyleusa.com
Bob Koster Jr.
Office: 231-726-4046 Fax: 231-726-4294 Cell: 231-578-4457 565 B W. Western Avenue P.O. Box 975 • Muskegon Michigan 49443-0975 nwj@waterstoneinsurance.com www.waterstoneinsurance.com
Plumbing Co., Inc. COMMERCIAL - RESIDENTIAL Office (616) 698-6790 • Fax (616) 698-6817 Email: rkoster@ksplumbing.com 6980 Hammond S.E. • Dutton, MI 49316
4964 Technical Drive Milford, Michigan 48381
INDUSTRIAL & CONTRACTOR SUPPLIES TOOLS FOR: IRONWORKERS*MILLWRIGHTS*CARPENTERS*PLUMBERS*ELECTRICIANS KLEIN*KNOXFIT*OCCIDENTAL LEATHER*RIDGID*PROTO*MSA SAFETY EQUIPMENT*SLINGS*GIANT SOCKETS & WRENCHES
Commercial Concrete • Excavation • Utilities
Great Lakes Industrial Supply 6612 N. Telegraph Rd. Dearborn Heights, MI 48127
Contact Perry or Ray Merlo
Call 248-714-5486
Phone: (313) 274-9800 Fax: (313) 274-7849
What will we do to get you paid? Whatever it takes. Our firm has collected millions of dollars in accounts receivable and outstanding balances for suppliers and subcontractors nationwide. We also provide construction
Fax 248-714-5249 Email: contact@merloconstruction.com
Protect Your Worksite with Summit’s Expert EH&S Training Get the job done while saving lives, time, and money with Summit’s safety and compliance construction training program line-up: • • • • • • • • • • • •
Heavy Equipment Training OSHA 10&30 Hour online Forklift Safety Crane Safety Scaffolding Safety Electrical Safety Fall Protection Respiratory Safety Rigging Safety Silica Safety Walking and Working Surfaces And MORE!
lien and bond claim services.
Train smarter, not harder with Summit’s construction-specific training solutions.
The Law Offices of
ELEARNING, STREAMING VIDEO, DVD, ONSITE
Ronald B. Rich & Associates Specializing in Collections and Construction Law Since 1981
Free Consultation • 248.851.4411 • www.LetUsCollect.com
www.safetyontheweb.comI 800.842.0466
1330-0037
30665 Northwestern Highway, Suite 280 Farmington Hills, Michigan 48334
Update
L E G I S L AT I V E
Prevailing Wage Repeal Will Save Taxpayers Millions
ABC joined Representatives Joel Johnson (R-Clare), Ed McBroom (RVulcan), Aric Nesbitt (R-Lawton), and Peter Pettalia (R-Presque Isle) at the Jackson Area Career Center to announce a bi-partisan effort to amend High School Grad requirements to allow students to pursue classes that lead to vocational, skilled trades and tech careers that are in high demand.
L
egislation introduced to repeal the “prevailing wage” law will eliminate unnecessary costs to taxpayers, as much as $250 million, says Associated Builders and Contractors (ABC) of Michigan, which commended House and Senate members for taking another bold step toward improving Michigan’s
economy. “The prevailing wage act denies construction contractors a competitive ability that every other small business enjoys – paying market wages,” says Chris Fisher, ABC of Michigan president, following introduction of a bill by Sen. Arlan Meekhof (R-West Olive) and cosponsored by 15 other senators. The association points to studies indicating a savings of 10 to 15 percent when prevailing wage mandates are removed. For example, had prevailing wage not been in effect in 2002, the state would have saved an estimated $216 million. In 2007, the number rises to $250 million. From 2010 to 2012, an estimated $188 million could have been saved on public school and higher education construction alone. Although the State of Michigan reports that the average free-market construction wage is already at a healthy $23 an hour, prevailing wage drives the rate up to artificial levels as much as 60 percent higher for some trades. “Nearly every peer-reviewed study concludes that prevailing wage is a job killer and tax dollar waster,” Fisher explains. “Far from ‘prevailing,’ the current law dictates that unions, which represented only 17 percent of the construction workforce in 2012, set wage rates and determine inefficient trade classifications for the rest of the
{On the mark.} 97% of clients say the CPAs and consultants of Plante Moran provide sound business advice. Helping your hospital or health system hit cost and quality targets to keep your organization rolling forward is
a higher return on experience.
Thomas Doyle 248.223.3402 thomas.doyle@plantemoran.com plantemoran.com
18
S pring 2 01 3
Michigan Merit
Update
L E G I S L AT I V E
industry. Such decisions are not subject to any oversight or negotiation, and vary from trade to trade and from locality to locality, creating a red tape nightmare for contractors.” “Because construction is such a key jobs provider in Michigan’s economy,” says Fisher, “we believe the time is now to repeal prevailing wage to create more good paying jobs and help the industry compete with more than 43 other states that have no such artificial mandates or that base wage rates on more accurate and reliable measures.” “Prevailing wage is a mandate not imposed on any other industry in the state,” Fisher points out, noting that it is also a bureaucratic burden. “It forces contractors to constantly monitor thousands of different pay and benefit rates for different job functions that vary greatly among localities and trades. Nothing is so misunderstood or
applied as absurdly as the prevailing wage law. We applaud the bill sponsors for making another courageous move that will benefit our industry, the state’s economy and Michigan taxpayers as well.” Repeal bills were also introduced yesterday in the House by Reps. Amanda Price (R-Park Township), Bradford Jacobsen (R-Oxford) and Peter MacGregor (R-Rockford). House leadership last week made prevailing wage repeal a priority, stating, “We will repeal Michigan’s Prevailing Wage Law to save the state and local units of government almost $250 million every year.” (2013-14 Action Plan for HardWorking Michigan Taxpayers) “It’s simply a matter of good public policy,” says Chris Beckering, director of business development at Pioneer Construction in Grand Rapids and chair of the ABCMI
Construction Safety Training, Program Writing and Management Support "A visit from ASHA makes a visit from OSHA become a walk in the park"
Terry Welsh, CSSMI
ASHA Safety
American Safety & Health Associates
3115 Dixie SW Grandville, MI 49418
www.ExcelElectricInc.com Toll Free: (877) 283-3450 Phone: (616) 532-9575 Fax: (616) 532-3632 Contracting – Service – Design – Electrical Excellence – Since 1983
www. abcmi .com
Bluaer St 21950 Hoover Rd. Warren, MI 48089
517-927-3177 • Fax 337-7485 twelsh@ashasafety.com www.ashasafety.com
“Your Demolition Professionals”
estimating@bluestardemo.com
(586) 427-9933 Fax: (586) 427-9934
Spring 2013
19
Update
L E G I S L AT I V E
board of directors. “It should not be the responsibility of Michigan taxpayers to pay artificially inflated prices on public construction projects. Michigan citizens deserve the additional job opportunities and fiscal accountability that will result by eliminating this antiquated mandate.”
Associated Builders and Contractors Pushes Stronger Vocational and CTE Programs in Michigan Schools Associated Builders and Contractors of Michigan (ABC) joined Representatives Joel Johnson (R-Clare), Ed McBroom (R-Vulcan), Aric Nesbitt (R-Lawton), and Peter Pettalia (R-Presque Isle) at the Jackson Area Career Center to announce a bipartisan effort to amend Michigan’s high school graduation requirements to be more flexible to include career-ready skilled trades and vocational training educational options. “Improving the Michigan Merit Curriculum to better include options for vocational training and other career
B UILDING
paths is a key element to the success of Michigan’s students and future workforce,” stated Chris Fisher, president of ABC. “Currently, Michigan’s education system does a great job at preparing students for college, but lacks in providing the same and equally important opportunities for rigorous vocational, skilled trades, and technical training. Michigan needs to do better.” House Bills 4465 and 4466 would allow for certain skilled trades classes and more opportunities for a personalized curriculum developed by the student, parents, teacher, and school district to meet the student’s specific needs. “As the demand for highly paid and skilled construction workers increases in Michigan, part of ABC’s mission is to train tomorrow’s workforce to be skilled, motivated, and successful craft professionals,” explained Fisher. “This legislation finally removes the one-size-fits-all approach by allowing students to pursue career opportunities in the building and construction trades that lead to good jobs Michigan employers are eager to fill.” MM
A SUCCESSFUL BUSINESS
TAKES THE PROPER PLAN AND TOOLS, ALONG WITH EXPERIENCED PROFESSIONALS TO PIECE IT ALL TOGETHER
Accounting and Audit • Tax • IT Consulting • Succession Planning • Business Valuations • Cost Reduction Programs • Cost Segregation Studies • Retirement Plan Development & Evaluation • Bonding/Surety Assistance • Entity Selections
888.754.8478 • www.ahpplc.com Auburn Hills • Bay City • Grand Rapids • Greater Lansing • Midland • Saginaw
20
S pring 2 01 3
Michigan Merit
~All Types of Roofing & Related Sheet Metal~Crane Services Available~
COMMERCIAL • RESIDENTIAL • INDUSTRIAL • AGRICULTURAL QUALITY – C&R Electric has the experience and professionalism your job requires. SERVICE – Customer satisfaction is important to us! BONDED – C&R Electric is insured and bonded.
TIM SPONSELLER 989.828.4020 - www.candrelec.com
Commercial & Industrial
Wm. MOLNAR ROOFING, Inc. Riverview, MI
12455 Hale • P.O. Box 2272 • Riverview, MI 48193 WILLIAM MOLNAR, President Office: 734.281.0591 Cell: 313.304.1160 Fax: 734.281.7303 william@molnarroofing.com
JGM Machinery Movers
• Rigging • Plant Relocation • Heavy Hauling • Machinery Storage • Project Management • Full Turnkey Installation • Millwright Services • Fabrication & Welding • Custom Crating • Industrial Electrical • Laser Alignment
JGM Machinery Movers has over thirty years of experience in providing industrial relocation services on a turn key basis with a specialty of serving the automotive and automotive supplier industries.
10271 State Road Otisville, Michigan 48463
810-631-8816 Office 810-631-4938 Fax
www.jgmmachinerymovers.com
Commercial / Residential / Design Build
Offices In: Lansing, Grand Rapids and Traverse City
Call — 877.981.8800
ex
xc
www.conelectric.com
s
Development
BUSINESS
LARA’s Bureau of Construction Codes Announces Online Enhancements New capabilities will benefit inspectors, contractors, licensees The Michigan Department of Licensing and Regulatory Affairs’ (LARA) Bureau of Construction Codes (BCC) announced it will replace its existing PermitsPlus client-server technology with Accela Automation web-based enterprise system to integrate construction, code enforcement, licensing, and case management, improving customer service to Michigan citizens. “We are looking forward to enhanced capability and customer service with our new system,” said BCC Director Irvin Poke. “The use of Accela Automation will allow the BCC and all the citizens it serves to take advantage of the newest technology available in all construction-related activity.” The BCC is responsible for the administration of laws re-
Bob Moglia • Donn Johnson • Tom Moglia • Robert Moglia Tom Monroe • Sean Moglia • Ed George • Scott Sandler • Robert Scott • Phillip Hoyt
lating to building, boiler, electrical, elevator, mechanical systems, and plumbing. The BCC issues permits and licenses, manages licensure examinations, provides inspections and plan review services, investigates complaints against licensees, and registers inspectors. Accela, Inc., a leading provider of web-mobile and cloudbased software exclusively for government, will, in union with Michigan Business One Stop, provide a single gateway to the BCC for local inspectors, contactors, licensees, and homeowners to conduct their business with the State of Michigan more productively.
Specializing in the construction industry for more than seven decades. crowehorwath.com/construction © 2013 Crowe Horwath LLP, is an independent member of Crowe Horwath International
C
FWO13204G
curtis glass company c o m m e r c i a l g l a z i n g c o n t r actor
Aluminum Storefronts, Entrances, Windows, Panels, Curtain Wall & Skylights, Handrails
1900 East Maple Troy, MI 48083-4213 22
S pring 2 01 3
(248) 744-4480 Fax (248) 744-4485 Michigan Merit
Development
BUSINESS
Citizens, contractors, and other business professionals will be able to access government services 24/7, allowing them to submit and view results of service requests, apply for and check the status of permits, upload photographs, view system-generated alerts and notifications, and access government reports. Accela Automation will bring the BCC systems into one database, including the elevator system, inspector registration system, plan review system (Accela Automation will enable the actual online submission and review of plans); and current time inspection results (inspectors currently use a third party system and download data nightly to be converted into PermitsPlus). In addition, new enhanced capabilities through Accela Automation will enable the BCC to: • manage all of Michigan’s permit activities from initiation to close; • handle all types of regulatory activities, from one-time processes such as residential construction permitting to annual renewals of certificates; • streamline the issuance, tracking, and enforcement of all construction-related professional licenses by the BCC; • provide comprehensive project analysis and management for multiple types of documents—including
plans, architectural drawings, and licenses; • easily create new case types and business rules associated with unique regulations, statutory requirements, and internal procedures; • integrate a map interface with Accela Automation to visualize government data geographically by leveraging the State’s existing Esri ArcGIS for Server and Microsoft Bing Maps; • connect field personnel, including inspectors and investigators to data for real-time code enforcement activities, thereby expediting turnaround service by the BCC for the benefit of citizens. LARA’s Bureau of Construction Codes annually issues more than 25,000 permits and 65,000 licenses and registrations. A total of nine different types of permits and 32 license types go through the automated system. For simple plumbing, electrical and mechanical permits, online permitting allows for instantaneous processing of permits, eliminating a wait time for contractors. Implementation of the new Accela Automation began in February 2013 with a completion date set for late 2014. To visit the Bureau of Construction Codes website, go to www.michigan.gov/bcc. MM
Fire Protection Specialists DESIGN
INSTALL
INSPECT
MAINTAIN
1111 W. Oakley Park Road Walled Lake, MI 48390
248-669-5155
www.jacksonassociatesinc.com
Jackson Associates, Inc. www. abcmi .com
Spring 2013
23
Development
BUSINESS
MIOSHA Reminds Employers They Must Post Job-Related Injuries and Illnesses Michigan Occupational Safety and Health Administration (MIOSHA) Director Martha Yoder reminds Michigan employers they are required to post the total number of job-related injuries and illnesses that occurred in 2012. Employers must post the MIOSHA Martha Yoder Form 300A (Summary of Work-Related Injuries and Illnesses) for three months, from February 1 to April 30, of each year. The form is available on the MIOSHA website. “Outstanding Michigan employers use the MIOSHA recordkeeping logs as the foundation for a proactive safety and health system that protects their workers,” said MIOSHA Director Martha Yoder. “These employers not only provide a safe and healthy work environment—they reap the added ‘Bottom Line’ benefits of improved quality and increased productivity.” One of the most important components to an employer’s total safety and health effort is accurate recordkeeping.
Here’s why: • Conscientious and detailed records can provide employers with a clear picture of their work environment, and can help prevent work-related injuries and illnesses in the future. • Injury and illness data can help identify problem areas. The more you know, the better you can identify and correct hazardous workplace conditions. • Employers can better administer company safety and health programs with accurate records. • As employee awareness about injuries, illnesses, and hazards in the workplace increases, workers are more likely to follow safe work practices and report workplace hazards. MIOSHA requires most Michigan employers with 11 or more employees to log and maintain records of workrelated injuries and illnesses. “Employee participation is a key strategy in any effective workplace safety and health system,” said Yoder. “When employers and employees have accurate information, they can work together to
DEDICATED TO SERVING MICHIGAN WITH WHAT WE DO BEST. Civil/Site Design • Architectural Design • Structural • Construction Management •
Electrical • HVAC/Mechanical • Process/Chemical • Informed Design/Build
CENTURY A&E
Facilities Design
616.456.5227 • Grand Rapids, MI • www.centuryae.com
L O O M I S , E W E R T, PA R S L E Y, D A V I S & G O T T I N G P. C . A
T
T
O
CONSTRUCTION & BUSINESS LAWYERS
R
N
E
Y
S
A
T
L
A
W
124 WEST ALLEGAN, SUITE 700 JEFFREY S. THEUER LANSING, MI 48933 jstheuer@loomislaw.com (517) 482-2400
E L E C T R I C ELECTRICAL CONTRACTOR COMMERCIAL / INDUSTRIAL RESIDENTIAL SERVICE / CONSTRUCTION
32733 Folsom Farmington Hills, MI 48336
248-471-2277 248-471-6550 Fax
www.RCI-Electric.com 24
S pring 2 01 3
1284 EAST CHICAGO ROAD, QUINCY, MI 49082 Phone: 517.639.4656 Fax: 517.639.3361 www.parrish-excavating.com An Equal Opportunity Employer
Michigan Merit
Development
BUSINESS
design long-lasting safety and health solutions.” These records include: MIOSHA Form 300 (Log of Work-Related Injuries and Illnesses); MIOSHA Form 301 (Injury and Illness Incident Report); and MIOSHA Form 300A (Summary of Work-Related Injuries and Illnesses). The summary must list the total numbers of job-related injuries and illnesses that occurred in the previous year and were logged on the MIOSHA Form 300. Employment information about annual average number of employees and total hours worked during the calendar year is also required to assist in calculating incidence rates. Companies with no injuries and illnesses during the previous year are still required to post the MIOSHA Form 300A with zeros entered on the total line. A company executive must certify that the totals are correct and sign the form, which is then displayed wherever notices to employees are usually posted. Employers with 10 or fewer employees and employers in certain industry groups (retail trade, finance, insurance and real estate, and certain services industries) are normally exempt from the MIOSHA recordkeeping and posting requirements. These exemptions do not exclude any employer from coverage by MIOSHA or from compliance with all applicable safety and health standards. The MIOSHA Consultation Education and Training
US TRACKWORKS, LLC W.C. (Bill) Morren General Manager 1165 142nd Avenue Wayland, MI 49348 email: bmorren@ustrackworks.com
P
(CET) Division provides extensive recordkeeping outreach activities. CET safety and health consultants have developed PowerPoint™ presentations, training materials, and flow charts with medical treatment examples. Annually, CET schedules recordkeeping training seminars across the state. Please contact the CET Division at 517.322.1809, or at www.michigan.gov/cet, for more information. The CET Training Calendar is available at www.michigan.gov/ mioshatraining. Recordkeeping information is available on the MIOSHA website at www.michigan.gov/recordkeeping. This site includes: general guidelines, the forms, and frequent Q & As. To receive the required forms, employers can also call (517) 322-1851. The recordkeeping rule, Part 11, Recording and Reporting of Occupational Injuries and Illnesses, is found at www.michigan.gov/mioshastandards. Employers can call the Management Information Systems Section at (517) 322-1848 for information about recording injuries and illnesses. All employers are also required by law to notify MIOSHA within eight hours of a fatality, or any hospitalization of three or more employees suffering injury or illness from an accident. A special report line is available 24 hours at the Fatality & Catastrophe Hotline, (800) 858-0397. MM
KMR Construction Services General Contractor/Construction Manager P.O. Box 21865 Detroit, MI 48221 President Phone: (313) 580-9884 E-Mail: Kim@KMRCON.com Fax: (313) 270-2227 Certified DHB, DSB, MBE & WBE
Kimberly Redd Phone: (616) 877-4284 Fax: (616) 877-4202 Cell: (616) 262-4312
GYRO TECH by NABCO Entrances, Inc.
OWER DOORS SYSTEMS
Where Quality and Service are Automatic
Providing sales and service for all your Pedestrian Automatic door needs for over 50 years!! Serving Michigan and Ohio 800-852-1784
pdservice@bex.net
7522 Sylvania Avenue, Sylvania Oh, 43560 www. abcmi .com
Spring 2013
25
BARRETT PAVING MATERIALS INC.
Bay Dust Control DIV. of
LIQUID CALCIUM CHLORIDE SALES, INC.
Hot Mix Asphalt, Warm Mix, Cold Patches, Sand/Gravel and Construction Services.
2715 S. Huron Rd. - Kawkawlin, MI 48631 LIQUIDOW™ • DOWFLAKE™ • PELADOW™ (Concrete Additive • Ice Control • Dust Control) liquidcalciumchloride.com
(989) 684-5860 Fax (989) 684-9953 rodgerard@gerardgroup.info
ROD GERARD Operations Manager
YDB Contracting
Ann Arbor│Mt. Clemens│Troy│Romulus
Putting Detroiters to Work!
5800 CHERRY HILL ROAD, YPSILANTI, MI 48198 Sales-MWM@barrettpaving.com Phone (734) 483-4775 Fax (734) 483-4774
Licensed and Insured Affiliated with Young Detroit Builders HUD Section 3 Qualified
1627 West Lafayette, Detroit, MI 48216 (313) 964-2763 Fax: (313) 964-2324
TRUSTED TRAINING Optare Services provides consulting and training for construction professionals. With the recent OSHA law requiring certification for any person engaged in a construction activity who is operating a crane, it is critical that you can trust your trainer. Optare can customize the training and administer testing needed to meet all requirements and certifications in cranes, signal person and rigging. Optare provides the options you need to assure your employees receive the proper and required training.
5037 Baker Rd. • Bridgeport, MI 48722 989-245-3963 optare@charter.net www.optareservices.com
Professional, Customized Training in
CRANE CERTIFICATION SIGNAL PERSON RIGGING
MEMBER
NCCER Testing is available
Have prevailing wage jobs left you hanging in a tough spot? We can help. With a supplemental unemployment plan from BCT Benefits, you provide a fringe benefit for your employees which pays them when work isn't available.
Unlike a cash raise, contribution to the plan are not subject to labor burden, overhead or taxes - so you can bid more competitively and realize additional profits.
Go ahead, you get the jobs . . . We’ll be your safety-net Call 877-924-3228
or visit www.BCTBenefitPlans.com
Index
ADVERTISER
ABC Self Insured Workers Compensation Fund.................28
Jackson Associates, Inc......................................................23
Accent Window & Door........................................................5
JBS Contracting, Inc...........................................................10
AIS Equipment....................................................................26
JE Johnson Incorporated....................................................20
Alma Painting Incorporated................................................ 11
JGM Machinery Movers & Erectors Incorporated..............21
Andrews Hooper Pavlik, PLC..............................................20
K & S Plumbing Co., Inc.....................................................17
AC Answer Heating & Cooling, Inc.......................................8
KMR Construction Services...............................................25
ASHA Safety.......................................................................19
Lakewood Construction...................................................... 11
Attitude & Experience, Inc....................................................8
Legal Shield........................................................................13
Barrett Paving Materials, Inc...............................................26
Lighthouse Insurance Group..............................................12
BCT Benefits Plan...............................................................26
Liquid Calcium Chloride Sales............................................26
Blue Star Inc.......................................................................19
Loomis, Ewert, Parsley, Davis, Gotting, PC........................24
Brad Lubahn Landscaping & Tree Moving Company..........19
Merlo Construction Co., Inc................................................17
Brigade Fire Protection.........................................................5
Metrocom Technologies......................................................25
C&R Electric, LLC...............................................................21
Mid Michigan Materials Incorporated.................................10
Capital Insurance Group.....................................................22
Moyle Concrete..................................................................17
Capital Steel & Builders Supply............................................5
Optare Services LLC..........................................................26
Century A & E.....................................................................24
Parrish Excavating Incorporated.........................................24
Chuck’s Electrical Services Incorproated............................23
Pinnacle Insurance..............................................................13
Commonwealth Associates, Inc.........................................23
Plante Moran......................................................................18
Consolidated Electrical Contractors....................................21
Power Door Systems, Dvn. Nabco Entrances, Inc.............25
Cornish, Zack, Hill & Associates, Inc., WBE, DBE..............19
RCI Electric.........................................................................24
Crowe Horwath LLP...........................................................22
Robinson Electrical & Mechanical, Inc..................................5
Curtis Glass Company........................................................22
Ronald B. Rich & Associates...............................................17
Davenport Brothers Construction Incorporated..................22
SecureCom, Inc..................................................................14
DJ Maltese Construction LLC.............................................24
Shafer Redi-Mix Incorporated............................................. 11
EGI Solutions........................................................................5
Siding World..........................................................................2
Enterprise Fleet.................................................................. 11
Summit Training..................................................................17
Excel Electric Incorporated.................................................19
Thermico, Inc........................................................................5
Fisher Companies...............................................................18
Timpson Transport, Inc........................................................17
Garber Chevrolet..................................................................5
Titan Interiors LLC..............................................................10
Grand Equipment Company...............................................10
Tradesmen International.......................................................9
Great Lakes Industrial Supply Co., Inc................................17
US Trackworks LLC.............................................................25
Great Lakes Roofing & Insulation Systems Inc..................14
Waterstone Insurance Agency Incorporated......................17
HD Supply Waterworks......................................................13
Welch Tile & Marble Company............................................12
HNI Risk Services of Michigan.....................................19, 23
Wm. Molnar Roofing, Inc...................................................21
Independence Commercial Construction, Inc....................13
Young Detroit Builders/Youth Build Detroit.........................26
www. abcmi .com
Spring 2013
27
PRESORTED STANDARD U.S. POSTAGE PAID LANSING, MI PERMIT NO. 75
Associated Builders & Contractors of Michigan 230 N. Washington Sq. Suite 202 Lansing, Michigan 48933
Your Self-Insured Workers’ Compensation Fund Returning Millions Back to members since 1995
Safety
Savings
Premium Returns Ownership Industry-Specific Great Rates Loss Control Outstanding Service
• Workers’ Compensation Insurance with a 36% Average Premium Return • Safety & Loss Prevention Services • Competitive Up-Front Pricing
abcmifund.org | administered by Regency Group | 800.686.6640