Legal Disclaimer
The following user agreement ("Agreement") governs the use of the Michigan Lumber and Building Materials Association (MLBMA) Web Site. Please read the rules contained in this Agreement carefully, as your use of the MLBMA Web Site constitutes your acceptance without modification of the terms, conditions, and notices contained herein. If you cannot agree with these rules, please do not use the MLBMA Web Site.
Your failure to follow these rules, whether listed below or in bulletins posted at various points on the MLBMA Web Site, may result in termination of your access to the MLBMA Web Site, without notice, in addition to any other remedies reserved by your internet service provider.
The Michigan Lumber and Building Materials Association provide the MLBMA website as a source of useful information, not authoritative legal advice. The Michigan Lumber and Building Materials Association is not responsible for the content of the sites or the website itself. The inclusion of a link to a site should not be construed as an endorsement of the site, its sponsoring organization, or any views expressed in the site. If you have a legal problem, you should consult a professionally licensed attorney.
The Michigan Lumber and Building Materials Association owes a fiduciary obligation to its members to take any reasonable and necessary action to protect the association's proprietary rights and its assets from damages resulting from infringement or usurpation by way of (including but not limited to) exploitation through association membership, advertising in association publications, or exhibiting at the association sponsored events or trade shows. Therefore, to enforce its rights under the policy, the Michigan Lumber and Building Materials Association may refuse to accept advertising or other material for publication in any association publication to anyone where the Board of Directors of the Association has reason to believe such action would be in the best interest of the association in furtherance of the provisions of the policy.
Modification of These Terms of Use
These rules may be modified by the Michigan Lumber and Building Materials Association (MLBMA) from time to time. MLBMA reserve the right to change the terms, conditions, and notices under which the MLBMA Web Site is offered, including but not limited to any charges associated with the use of the MLBMA Web Site. Notice of revisions to this Agreement will be announced on this page. You are responsible for regularly reviewing these terms and conditions. Continued access to the MLBMA Web Site by you will constitute your acceptance of any changes or revisions to this Agreement.
Personal and Non- Commercial use Limitation
Unless otherwise specified, the Michigan Lumber and Building Materials Association Web Sites is for your personal and non-commercial use. You may not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the MLBMA Web Site.
Links to Third Party Sites
Michigan Lumber and Building Materials Association encourage their members to establish web sites and offers to link such web sites to and from the MLBMA Web Site. The MLBMA Web Site may contain links to other web sites, including but not limited to member web sites ("Linked Sites"). Linked sites are not under the control of MLBMA are not responsible for the content of any linked site, including, without limitation, any link contained in a linked site, or products purchased from a linked site or any modifications made to a linked site. MLBMA is providing links to additional web sites to you as a convenience, the inclusion of any link does not imply endorsement by MLBMA of the site, products offered at that site or any association with other web site operators. You acknowledge that MLBMA have not reviewed the content of all sites linked to this web site and are not responsible for the contents or actions of any other sites linked from the MLBMA Web Site and do not endorse them. Any access to linked sites is at your sole risk.
Unlawful or Prohibited Use
As a condition of your use of the Michigan Lumber and Building Materials Association Web Sites, you warrant to MLBMA that you will not use the MLBMA Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the MLBMA Web Site in any manner which could damage, disable, overburden, or impair the MLBMA Web Site or interfere with any other party's use and enjoyment of the MLBMA Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided through the MLBMA Web Site.
User Communications
The Michigan Lumber and Building Materials Association Web Sites may contain various communications services, including bulletin board services, chat areas, news groups, forums, communities, personal or member web pages, calendars, and/or other message or communications facilities designed to enable you to communicate with the public at large or with a group. In using such communications services, you shall not post or transmit through the MLBMA Web Site any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rates, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without the MLBMA express prior approvals, contains advertising or any solicitation with respect to products or services. Further, you may not place on the MLBMA Web Site any material that is encrypted or, in the MLBMA’s sole opinions, constitutes junk mail or unauthorized advertising. You are responsible for insuring that any material you provide to the MLBMA Web Site or post on the MLBMA Web Site, including but not limited to text, photographs, and sound, does not violate the copyright, trademark, trade secret or any other personal or proprietary rights of any third persons or is posted with the permission of the owner(s) of such rights.
MLBMA has no obligation to monitor information posted to the MLBMA Web Site. However, MLBMA reserves the right to review materials posted to the MLBMA Web Site and to remove any materials in its sole discretion. MLBMA reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in MLBMA’s sole discretion.
Use of Materials Supplies by You
Postings to and communications with the Michigan Lumber and Building Materials Association (MLBMA) Website is not private. You grant MLBMA the unrestricted right to use, reproduce, modify, translate, transmit and distribute any material you supply or communicate to MLBMA (including your identity and information about you) in any medium, (now in existence or hereafter developed) and for any purpose, including commercial uses, and to authorize others to do the same.
MLBMA advises users to always use caution when giving out any personally identifying information about themselves or their children on any web site. MLBMA does not control nor endorse the content, messages or information that may be found on any bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars and/or other message or communication facilities, and therefore disclaims any liability with regard to any actions resulting from your participation in these communication services. You agree that MLBMA is not responsible, and shall have no liability to you, with respect to any information or materials posted by others, including defamatory, offensive or illicit materials.
Indemnification
You agree to indemnify Michigan Lumber and Building Materials Association, their affiliates, employees, agents, members, and representatives, and to hold them harmless, from any and all claims and liabilities (including attorney's fees) which may arise from your submissions, from your unauthorized use of material obtained through the MLBMA Web Site, or from your breach of this agreement, or from any such acts through your use of the MLBMA Web Site.
Trademarks/Logos
Logos and trademarks of the Michigan Lumber and Building Materials Association are registered trademarks of MLBMA and may not be reproduced without the prior consent of MLBMA. The logos displayed on the MLBMA website may be trade trademarks of their affiliated organizations. All of the logos are used with permission for the sole purpose of inclusion in the MLBMA website, and MLBMA does not have the authority to permit third parties to reproduce the logos.
Copyright Policy.
All of the original materials, including website design but not limited to its format and site descriptions, are protected by the copyright laws of the United States. Reproduction for commercial purposes is strictly prohibited without prior consent of MLBMA.
MLBMA is providing information and services on the Internet as a benefit and service in furtherance of MLBMA's non-profit and tax-exempt status.
Reprints and Permissions
MLBMA publications printed and online are copyrighted. You will need permission to photocopy or reprint an article. Usually, permission is granted one-time use only. You must submit a new request for permission to reprint beyond your original request.
Termination
The Michigan Lumber and Building Materials Association has the right to terminate your ability to access the MLBMA Web Site, for any reason, without notice.
Jurisdiction
You agree that this agreement, for all purposes, shall be governed and construed in accordance with the laws of the state of Michigan applicable to contracts to be wholly performed therein, and any action based on or alleging a breach of this agreement must be brought in a state or federal court in Michigan. In addition, you agree to submit to the personal jurisdiction and venue of such courts.
If you do not agree to the terms contained in this agreement, please exit the Michigan Lumber and Building Materials Association Web Site.
How to Contact Us
If any user suspects that MLBMA has handled its personal information that does not comply with their Privacy Statement, please contact us by calling 517-394-5225.
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- Agency LLC
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As an authorized agent for Blue Cross Blue Shield of Michigan and Blue Care Network, MLBMA Agency, LLC (the Agency), through its licensed agents, can provide you with information and quotes on many Blues Products including:
Membership in MLBMA means you can protect your most valuable asset — your employees — by providing them the peace of mind that comes with small group health care coverage from the Blues.
With a large selection of health care plans available only to association members, through the MLBMA Agency, LLC. you have the flexibility to match the best plan with your budget.
Whether you have a staff of 50 or one, we can ensure that your employees have the comprehensive benefits and tools needed to protect them and their families to lead them to a healthier future.
The "growth" of your business depends on the right health coverage
For more information on how to grow a healthy workforce with a Blue Cross Bluse Shield of Michigan or Blue Care Network health plan, contact Jodi Barber licensed insurance producer for health, life and accident coverage’s at 517-394-5225 x 106.
- Group Health Plans
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Exclusive benefits for association members - more affordable health care solutions for your business.
If you're a member of MLBMA you can take advantage of exclusive sponsored plans and benefits from the Blues.
Complete Listing of Plans >>
- Prescription Drugs
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Advantage Pricing on Prescription Drugs from Blue Cross Blue Shield of Michigan
As part of Blue's commitment to containing healthcare costs, all of their pharmacy plans feature a tiered benefit design with a focus on generic drug use.
Benefits:- Maximize your savings when some of the most popular brand medications expire between now and 2012.
- Members better manage costs through financial incentives.
- Control the long-term pharmacy cost trend.
- Your Association-sponsored Blue Cross Blue Shield of Michigan Health Plans reward small businesses with Advantage Pricing which can provide an additional 3% savings on your medical premiums for Blue Cross Blue Shield of Michigan contracts that use prescription drug coverage.
- A Blue's prescription drug plan offers value, safety, effectiveness and convenience, perfect for growing a healthy work force and keeping costs low.
- Members have easy access to more than 98 percent of pharmacies in Michigan and more than 90 percent nationwide.
- Group Life
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MLBMA Agency, LLC, through Dearborn National, provides MLBMA members with group term life and accidental death and dismemberment insurance coverage.
Group Life
With Group Term Life Insurance through the Agency - the benefit schedule allows participants the flexibility to customize the insurance needs for you and your employees for a group with as few as two employees.
Group Term Life programs can be tailor-made to fit the needs of any organization. Voluntary programs are also available for those organizations that would like to offer a life program for their insured population on a voluntary basis.
Affordability, Value and Flexibility
Dearborn National provides value by offering a Group Term Life product with an assortment of enhanced features and benefits, along with a wide range of value-added services.
Dearborn National’s Group Term Life product offers:- Affordable premiums
- Basic, Supplemental or Voluntary plans
- Optional coverage for spouses and dependents
- Optional Accidental Death & Dismemberment coverage
Our Group Term Life product includes features and options designed to enhance a benefits portfolio such as:
- Conversion, which allows the insured to keep their valuable insurance protection should they leave the group;
- Accelerated Death Benefit, that pays a portion of the face amount to the insured if diagnosed with a terminal illness;
- Waiver of Premium, for employees disabled for at least nine months.
Coverage Options: - Term Life Insurance starting at $15,000 (groups under 10) - $10,000 (groups with 10 or more)
- Accidental Death and Dismemberment Insurance (AD&D)
- Dependent Life Insurance
Contact Jodi Barber, Michigan licensed insurance producer for health, life, and accident coverages, at MLBMA 517-394-5225 x 106. - Disability Insurance
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Short Term/Long Term Disability Coverage
MLBMA, in partnership with American Fidelity, offers a variety of disability income plans for eligible employees. Plans are tailored to fit you! Disability Income Insurance helps provide an income for you when a covered accident or illness keeps you away from work for an extended period of time.
Program Features:
- Flexible elimination and benefit periods available
- Covers you for total disability due to a covered Accident or Illness
- Covers you at home or in the hospital
Benefits:
- Short Term and Long Term benefits available
- Several elimination periods available
- Several benefit period options
- Monthly Disability Benefits are paid beginning the day following satisfaction of elimination period
- Optional benefit riders available on a group basis based upon the market selected
Most people have insurance on their house and car. What is often overlooked is coverage of your income. Take a moment to consider what your life would be like if you were not able to earn an income. Without your income, would you be able to keep your home or car?
For more information, or a rate quote, contact MLBMA at 517-394-5225.
- Delta Dental
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MLBMA’s partnership with Delta Dental's innovative individual plans allow your organization to give employees access to quality individual dental benefits-no matter where they live-at absolutely no cost or administrative burden to you. MLBMA enrolls all members, collects premium payments directly from policyholders and handles all inquiries through the MLBMA Agency, LLC customer service department.
Great Coverage
Delta Dental individual plans cover a wide range of services-from routine services like oral exams, cleaning, and X-rays to more complex (and expensive) services like bridges, crowns, and dentures.
Great Network
With these Delta Dental plans, enrolled can go to any licensed dentist, anywhere. However, they will save the most money by choosing one of the thousands of dentists who participate with Delta Dental in the largest network of dentists in the United States.
Dental Plan Options:
MLBMA 1000 Plan Information >>MLBMA 2000 Plan Information >>
MLBMA 3000 Plan Information >>
Affordable RatesContact Jodi Barber, Michigan licensed insurance producer for health, life, and accident coverage at MLBMA 517-394-5225 x 106.
- Delta Vision
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MLBMA, partnering with Delta Vision, creates a Michigan network of well-known and respected eye care professionals. Delta Dental’s relationship with Eye Care Alliance (ECA) and its providers offers a valuable benefit to Michigan employers and other organizations, allowing them to secure both major ancillary health benefits (vision and dental) from a single, trusted source.
Delta Vision provides:
A continuum of care: everything from exams to frames to laser vision correction in one plan.
Delta Vision offers flexible, high quality vision benefit programs ranging from basic to comprehensive. These plans include specially negotiated pricing on professional eye exams, eye wear, contact lenses and laser vision correction. Treatment is provided by Eye Care Alliance (ECA), a network of well-known and respected professional eye care centers throughout Michigan. Many ECA practices offer a complete continuum of care,offering the full spectrum of eye care services at a single location.
A provider network that ensures quality and value.
Our provider network is comprised of doctors who care about the condition of their patients eyes - not just selling glasses. DeltaVision panel features members of Eye Care Alliance-ophthalmologists, optometrists, independent practitioners, comprehensive eye care centers, and optical retailers.
Contact Jodi Barber, Michigan licensed insurance producer for health, life, and accident coverage at MLBMA 517-394-5225 x 106. - Property & Casualty
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Property & Casualty Insurance - Safety Group Program
With over 100 years of experience in the specialty insurance industry. ILM recognizes the short and long-term challenges that influence your business decisions and insurance needs. As a result, ILM offers products designed to meet the challenges inherent to the lumber and building materials industry and leads the way in property insurance protection with big savings through MLBMA.
MLBMA members are eligible for premium savings and the Safety Dividend Program. Creating a sound safety program and implementing loss prevention procedures by each safety group participant is a key component in the success of the MLBMA/ILM Property and Casualty Dividend Insurance Safety Group Program.
How the Property & Casualty Dividend Program Works
A safety group is a loss sensitive insurance program that enables employers in the same industry to combine their insurance premiums with the goal of reducing their insurance premiums. While it is possible that an individual safety group participant may have a substantial loss in any given year, most of the participants of the group will not. The group program spread the risk from the individual policyholder to the entire group. That often allows a portion of the premiums to be returned to the member in the form of a dividend, although dividends cannot be guaranteed.
"Insurance purchasing can be one of the most important purchases I make for my company on a yearly basis. We operate six different operations that requires, in some cases, different types of insurance. I found the right fit for us in the Indiana Lumbermen's Mutual Insurance Company, the ILM Group. John Millerwise is our agent and he knows our business. John understands what is important to the building material dealer so that we have the right kind of insurance coverage for our different operations. The ILM Group and John Millerwise was the right choice for us."
Roy Schryer- Cheboygan Lumber Company
Let's Talk Property & Casualty Coverage
John Millerwise
Insurance Specialist
Phone 989-545-6300
Cell 989-280-9800
Fax 989-879-2356
john@mlbma.org - Worker's Compensation
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MLBMA, in partnership with the Michigan Retail Hardware Association (MRHA) Self-Insured Workers Compensation Fund, provides members of MLBMA workers compensation coverage at considerable savings over the cost of coverage with a commercial insurance carrier.
For over 29 years the MRHA Self-Insured Workers Compensation Fund has been operated by MRHA staff for Association members. Trustees are members of MRHA and continue to work and serve with staff to manage and administrate the fund.
Why consider Workers Compensation coverage through the MRHA Self-Insured Fund?
- The MRHA Self-Insured Workers Compensation Fund is nationally recognized for proactive member-related service for providing the lowest net cost to participants.
- The Fund operates with lower overhead costs than a typical insurance company and refunds interest earnings as well as premium monies that aren't utilized for operating costs.
- The Fund's claims are less than half of a typical insurance company's because members and employees consistently report claims early and help workers quickly and safely return to work.
- The annual participant retention has exceeded 99% for over 25-years.
For a rate quote or more information contact, MLBMA at 517-394-5225 or
John Millerwise
Insurance Specialist
Phone: 989-545-6300
Cell: 989-280-9800
Fax: 989-879-2356
john@mlbma.org
Note: The MRHA Self-Insured Workers Compensation Fund is endorsed by the Michigan Lumber and Building Materials Association but is separately operated and controlled by the MRHA Self Insured Workers Compensation Fund Board of Trustees.