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LEADERTuesday, October 3, 2017
Inside ■ Help shape MSBA’s Board Development workshops and conferences by taking our survey
Page 3
■ Consider adjusting salary schedules, agreement language to account for Tiered Licensure System
Page 4
■ Evaluating the superintendent’s performance
Pages 5-6
CalendarOctober 12: Representing Your Community Through Policy and Engagement: Phase IV (Bemidji)
October 13: Representing Your Community Through Policy and Engagement: Phase IV (St. Cloud)
October 14: Building a High-Performance School Board Team: Phase III (St. Cloud)
Guidance
Document provides recommendations for working with outside organizations
We take kids to school.
In the July-August 2017 edition of the MSBA Journal magazine, MSBA announced that it would make available a document titled, “Outside Organizations Supporting School Districts.” This document provides recommendations and guidance for school districts when they work with a booster club, a PTO, a foundation, or other outside organizations that provide support for a school district.
The Minnesota State High School League collaborated with MSBA in the development of this document and distributed copies at their regional meetings in September. MSBA also wants to thank the Farmington Area School District administration and school board for their work in establishing some of the framework to get this process
rolling.You can find these guidelines at the
following link on the MSBA website at http://www.mnmsba.org/Portals/0/OutsideOrganizationGuidelines.docx or at http://www.mnmsba.org/Resources/SampleDocuments.
It is important to remember that this document is only a recommendation and it is not a mandate. School districts can use it as is or make some modifications for their local needs.
Gary LeeDeputy Executive [email protected]
Reserve hotel room for Leadership ConferenceMembers can now reserve their hotel rooms for the MSBA Leadership Conference scheduled for January 11-12, 2018, at the Minneapolis Convention Center. Check out your hotel reservation options at http://www.mnmsba.org/LeadershipConferenceHousing. The MSBA Leadership Conference housing block will close on December 8, 2017. After the deadline, standard rates apply based on availability.
Event registration will be available soon.
Page 2 Tuesday, October 3, 2017
Registration remains open for the Building a High-Performance School Board Team: Phase III and Representing Your Community Through Policy and Engagement: Phase IV workshops.
This is the first time MSBA is offering these advanced workshops in the fall.
The Building a High-Performance School Board Team: Phase III workshop focuses on methods of decision-making, stages of board development, navigating board dynamics and small-group interactions with video school board scenarios, and the MSBA School Board Self-Evaluation.
Regional offerings will be Saturday, October 14, in St. Cloud; and Friday, October 27, in St. Peter.
The Representing Your Community Through Policy and Engagement: Phase IV workshop focuses on in-depth discussions and examples of a board member’s role as a policymaker and interactive small group sessions that walk through an actual community engagement activity. There will also be a segment on dealing with the media and public forums.
Regional offerings will be Thursday, October 12, in Bemidji; Friday, October 13, in St. Cloud; and Saturday, October 28, in St. Peter.
Register soon for MSBA’s fall workshop seriesLearning
Building a High-Performance School Board Team: Phase III Workshop
■ Saturday, October 14, in St. Cloud■ Friday, October 27, in St. PeterOn the web: http://www.mnmsba.org/Phase-III-Workshop
Representing Your Community Through Policy and Engagement: Phase IV Workshop
■ Thursday, October 12, in Bemidji■ Friday, October 13, in St. Cloud■ Saturday, October 28, in St. PeterOn the web: http://www.mnmsba.org/Phase-IV-Workshop
Registration: http://www.mnmsba.org/EventRegistrationHomePlease ask your school district office to register you in advance.
2018 Leadership ConferenceShow off your schools, send in Show & Tell application by November 1Show off your school program(s) at the Show & Tell exhibit during the 2018 Leadership Conference.
The Show & Tell application is for school districts to showcase exemplary student, adult or early childhood programs to the 2,000-plus conference attendees. The program displayed can be unusual or traditional and should be a program that reflects the breadth of activity being carried out by your district.
Access the Show & Tell application at https://www.surveymonkey.com/r/2018Show-TellEvent. Please complete this form by Wednesday, November 1. The Leadership Conference is scheduled for January 11-12, 2018, at the Minneapolis Convention Center.
Tuesday, October 3, 2017 Page 3
There should be an email in your inbox from yesterday which asks you to take 10 minutes to fill out our annual MSBA survey. This year, the survey is about board development — workshops, in-services, and conferences.
We want to give YOU an opportunity to tell us your opinion of the material, what other workshops you’d like to see, how far you’d be willing to travel to a workshop, what day of the week works best for you, and what time of day works best for you. The accompanying chart shows how we took YOUR input on our communication survey and changed our practices to benefit you.
If you have never participated in a workshop, we’d like to know why and what changes we could make to ensure your attendance.
We will also ask you about our in-services, such as Mutual Expectations, School Board Self-Evaluation, and Superintendent Search In-service. These sessions are facilitated IN YOUR DISTRICT at your board team’s request.
Lastly, we want to know what you think of our Leadership Conference and Summer Seminar. What do you like? What could be added/changed? What value do you place in having these conferences available? (Just a note that MSBA is the only state in the
nation to offer free registration to our annual conference as a benefit of your district’s dues.)
One constant with our programs is that we will continue to change, update, and get the best information possible out to public school boards. With technology ever-evolving, please share your ideas and suggestions in the “comments” areas of the survey to help us understand how we might provide learning opportunities to you in the future.
If you did not receive an email with the survey link yesterday or you do not have an email address, simply call 800-324-4459 or email Greg Abbott at [email protected] and a direct link will be emailed or a hard copy of the survey will be mailed to you upon request.
The survey will close at 5 p.m. Tuesday, October 17.
MSBA is your go-to Association. Your input will continue to make the Association even better.
Help shape MSBA’s Board Development workshops and conferences by taking our survey
Learning
MSBA Delegate AssemblyAttention delegates: Reserve hotel, plan for Pre-Delegate Assembly meetingsDelegates can make their hotel reservations for the 2017 MSBA Delegate Assembly, slated for December 1-2, 2017, at the DoubleTree by Hilton Hotel Minneapolis — Park Place. See www.mnmsba.org/DelegateAssembly to access the reservation link. Also, see www.mnmsba.org/PreDelegateAssemblyMeetings to plan for a Pre-Delegate Assembly meeting option.
Page 4 Tuesday, October 3, 2017
Given the fact that the Tiered Licensure System is scheduled to become effective July 1, 2018, school districts that have not settled should consider designing salary schedules and Master Agreement language to provide incentives for teachers to move to Tier 4.
Keep in mind that the Tiered Licensure System is new legislation and questions may arise that will be resolved in arbitration or court decisions, resulting in additional interpretation of the law. The following are MSBA’s recommendations based on our current understanding and interpretation of the law.
First, Tier 1 teachers do not have continuing contract rights and are not part of the bargaining unit. This essentially makes Tier 1 teachers at-will employees, who must be non-renewed in the spring, and, thus, the resulting vacant position must be posted on an approved statewide job board for a minimum of sixty days before the school district can request the terminated teacher’s Tier 1 license be renewed and the teacher rehired. Given these facts, the compensation package for a Tier 1 teacher is negotiable; however, the school district must take into consideration what, if any, potential impact paying a Tier 1 teacher more than what is provided for in the teachers’ negotiated salary schedule would have on the rest of the teaching staff.
Secondly, Tier 2 teachers are in the teacher bargaining unit but do not have continuing contract rights. Because
these teachers are in the bargaining unit, they must be paid according to the existing salary schedule unless specific language in the Master Agreement states something different. Items school districts may want to consider in their teachers’ Master Agreements relative to Tier 2 teachers include:
1. Placing Tier 2 teachers on thefirst step in the appropriateeducational lane the first year;
2. Placing Tier 2 CTE teacherswith less than a bachelor’s degreeon the BA lane and negotiatinghow the number of yearsof experience and/or professionalcertification equates to potentiallane changes;
3. Limiting the number of stepsa Tier 2 teacher may advance toencourage the teacher to move toTier 3;
4. Determining whether to grantlane change credits to Tier 2teachers. (Note: School districtsmay want to limit suchadvancement to Tier 2 teachers atthe MA lane or higher.)
Thirdly, Tier 3 teachers are in the bargaining unit and have continuing contract rights granted after successfully completing the appropriate probationary period provided for in M.S. 122A.40 or M.S. 122A.41. (Note:
A Tier 3 teacher who was a Tier 2 teacher in the same school district and has no break in service will see the last two years of successful teaching count when computing his/her probationary experience.) Items school districts may want to consider in their Master Agreements relative to Tier 3 teachers include:
1. Placing Tier 3 CTE teacherswith less than a bachelor’s degreeon the BA lane and negotiatinghow the number of yearsof experience and/or professionalcertification equates to potentiallane changes;
2. Placing former Tier 2 teacherson the appropriate step (for priorexperience) and educational lane;
3. Limiting the number of steps aTier 3 teacher may advanceto encourage the teacher to moveto Tier 4;
4. Limiting the credits to beconsidered for lane changes tograduate credits. (Note: Theschool district must decide if itis willing to grant credit forcourses necessary for theTier 3 teacher to complete his/herteacher preparation program ifhe/she has not already done so.)
School districts are encouraged to tailor language on this subject to meet the needs of the district. MSBA is working on options for model language and will be communicating additional information as it becomes available. Please contact MSBA if you have questions on this subject.
Negotiations
Bill KauttAssociate Director of Management [email protected]
Consider adjusting salary schedules, agreement language to account for Tiered Licensure System
The contents of this newsletter are provided for informational use only and are not to be construed as legal advice. If you need legal advice, consult your attorney.
Tuesday, October 3, 2017 Page 5
Superintendent Evaluation
Effective school boards hire a superintendent to lead and manage the school district. Effective school boards delegate authority and hold the superintendent accountable for results by setting clear expectations for the superintendent’s performance that align with the school district’s strategic goals and priorities. MSBA staff have long stressed the importance of setting clear expectations for superintendents and conducting annual performance evaluations to identify the superintendent’s strengths and opportunities for improvement. This article is an updated version of two previously published Management Services Newsletters from June 2011 and June 25, 2012. This article reviews evaluation basics, setting expectations, 360-degree evaluations, and provides a process for handling differences that emerge relative to performance.
Evaluation BasicsThe superintendent’s evaluation
should be based on his/her performance (as defined in the superintendent’s job description) and on previously established expectations and/or performance goals. Superintendents, like other employees, need direction and feedback from their supervisors about (1) what is most important; (2) what they are doing that is going well and should be continued; (3) what is not going so well; and (4) how performance-related concerns are to be addressed. If a school board fails
to set expectations, its superintendent will have to “guess” what is important, or he/she will attempt to satisfy the different expectations of six or seven board members resulting in confusion, discord, and lack of clarity.
Set ExpectationsEvery year, a fairly large number
of school boards conduct searches for new district leaders. Minnesota superintendents typically work for a contract year extending from July 1 through June 30. A school board should meet with its newly hired superintendent as soon as possible after the superintendent has been hired in order to set expectations for his/her performance. Setting expectations for the superintendent’s performance early on will ensure that everyone will be “reading off the same page,” and this need exists even though the school board and superintendent will likely have discussed expectations during the actual selection process.
All superintendents need clear performance expectations and feedback
— even those who have been employed in the same school district for many years. Ultimately, things change; as a result, expectations and priorities typically also change, and the new expectations need to be determined and clearly communicated to all involved.
Many school boards schedule a special meeting to establish mutual expectations with their superintendents, while others address the issue during their regular meetings. Regardless, the conversation must take place in an open meeting because no exception to Minnesota’s Open Meeting Law (OML) exists that allows school boards to close board meetings for purposes of establishing the evaluation criteria. However, a school board may close a meeting to review the superintendent’s performance, and, when doing so, the school board must comply with the all the requirements of M.S. 13D.05, Subd. 3(a). See also MSBA/MASA Model Policy 205.
Evaluating the superintendent’s performanceSandy GundlachDirector of School Board [email protected]
Advance registration closing soon for Superintendent Evaluation WorkshopsEvaluating the superintendent’s performance is one of the school board’s most important duties. Ask your school district office to register you in advance for one of MSBA’s Superintendent Evaluation Workshops. Please see the remaining schedule below. Direct questions to MSBA’s Sandy Gundlach at 800-324-4459 or [email protected].
Superintendent Evaluation Workshop■ Tuesday, October 17, in Arden Hills (registration closes October 10)■ Monday, October 23, in Bemidji (registration closes October 16)■ Tuesday, October 24, in Kasson (registration closes October 16)
On the web: http://www.mnmsba.org/SuperintendentEvaluationWorkshop
See EVALUATION, Page 6
Page 6 Tuesday, October 3, 2017
Hold Mid-Year (Formative) and End-of-Year (Summative) Evaluations:
Minnesota law does not require school boards to evaluate their superintendent’s performance; however, MSBA has long held that evaluation is an important activity that should be conducted at least annually as a best practice. MSBA suggests school boards schedule and hold both a mid-year (formative) and an end-of-year (summative) evaluation. According to the Minnesota Department of Education, a formative evaluation is an evaluation that provides feedback designed to improve performance, and a summative evaluation should result in a performance rating for each of the agreed-upon goals/expectations and include a final overall rating for the superintendent’s performance. The benefits of this approach include improved communication and feedback, collaboration, and clarity resulting in a “no surprises” attitude. Good communication and feedback should eliminate surprises that can negatively impact an otherwise great summative evaluation. Additional information can be found in MSBA/Minnesota Association of School Administrators (MASA)-created document titled, “Superintendent Evaluation: A Resource for School Board Members and Superintendent.” A copy is available on MSBA’s website in the Member’s Area.
Developing the Evaluation ProcessThe process and procedures
used to plan for and conduct the superintendent’s evaluation are determined by the school board; however, the process and procedures
to be used must still comply with Minnesota’s OML and Government Data Practices Act. Some of the questions school boards consider when developing a superintendent evaluation process and procedures are provided below.
■ What is most important and, thus, should be evaluated?
■ What can the school board expect to see next year as a result of the superintendent’s work that is not seen now?
■ What documentation must the superintendent provide to show progress and/or accomplishment?
■ What evaluation format will be used?
■ When will the actual evaluation meeting be held?
■ Who will distribute the evaluation forms to the board members for their completion?
■ Who will compile the results of the completed evaluations in preparation for the actual evaluation meeting?
■ Who will be responsible for placing the superintendent’s evaluation on the meeting agenda?
■ Who will run the evaluation meeting?
As a best practice, the school board’s answers to the questions above provide the basis for the evaluation process and procedures. The process and procedures developed are documented and can be used to facilitate subsequent evaluations.
The process most school boards follow is provided below.
■ Approximately a year prior to the evaluation, the school board, in consultation with the superintendent, sets and agrees on the performance expectations and/or goals for the coming year, what tool(s) will be used to gather information from the school board members and superintendent, when updates will be provided to the school board, and when the final, summative evaluation meeting will take place.
■ Approximately a month prior to the evaluation, the school board schedules a closed meeting for purpose of discussing the superintendent’s performance evaluation in compliance with M.S. 13D.05, Subd. 3(a).
■ Approximately one or two weeks prior to the closed evaluation meeting, the school board chairperson distributes the evaluation form to the other school board members for their completion.
■ The board members’ completed evaluation forms are kept confidential and are returned to the school board chairperson who then prepares a single evaluation summary document compiled using each school board member’s ratings and comments.
■ The school board chairperson brings the evaluation summary document to the closed evaluation meeting, and the document forms the basis for the board’s discussion.
■ The school board chairperson ensures that the school board complies with all of the requirements of M.S. 13D.05, Subd. 3(a).
(Continued from Page 5)
EVALUATION: MSBA recommends school boards conduct annual evaluation of superintendent
Watch for Part 2 of this article in the next LeaderSee Part 2 of Sandy Gundlach’s “Evaluating the superintendent’s performance” in the October 17 edition of The Leader, which will cover “360-degree evaluations” and how to resolve differences between the school board and the superintendent.
Tuesday, October 3, 2017 Page 7
Minnesota School District Liquid Asset Fund Plus
Minnesota School District Liquid Asset Fund Plus Notice of Meeting of ParticipantsNOTICE IS HEREBY GIVEN, that the annual meeting of the Participants of the Minnesota School District Liquid Asset Fund Plus will be held at the DoubleTree by Hilton Bloomington-Minneapolis South, 7800 Normandale Blvd., Bloomington, Minnesota 55439, at 1 p.m. on Wednesday, November 15, 2017.
Dated: October 16, 2017 Kirk Schneidawind, Secretary Minnesota School District Liquid Asset Fund Plus
Minnesota School District Liquid Asset Fund Plus Notice of Meeting of TrusteesNOTICE IS HEREBY GIVEN, that the annual meeting of the Trustees of the Minnesota School District Liquid Asset Fund Plus will be held at the DoubleTree by Hilton Bloomington-Minneapolis South, 7800 Normandale Blvd., Bloomington, Minnesota 55439, at 1:15 p.m. on Wednesday, November 15, 2017.
Dated: October 16, 2017 Kirk Schneidawind Minnesota School District Liquid Asset Fund Plus
MSBAIT hosting Erin’s Law webinar on October 18MSBAIT Matters
Join MSBA, the MSBA Insurance Trust (MSBAIT), and Kyllo Consulting at 2 p.m. Wednesday, October 18, for a FREE timely webinar exploring Erin’s Law and expectations for sexual violence prevention and mandatory reporting in Minnesota schools.
Melanie Lockwood Herman and Erin Gloeckner from the Nonprofit Risk Management Center will share best practices in child abuse prevention, while helping you understand the nuances of Erin’s Law and its impact on your school district.
Register now at http://bit.ly/2hILDTr. (See Page 10 to learn more about MSBAIT.) www.mnmsba.org/MSBAIT
Submitted by Marsh & McLennan AgencyTemporary workers, just like other employees, need safety training. Workers’ compensation insurance often covers temporary workers, so keeping them safe should be a big priority for your district.
Give your temporary workers and volunteers the same safety training you give your regular employees. Don’t ignore the importance of keeping everyone on the school grounds safe, regardless of how long they will be working for you.
Claims statistics show that new employees are the most susceptible to injury. That’s why it is recommended that new employees receive job-specific safety training as soon as they start a
new job and that you check in with them every three months to ensure they understand safety risks involved with the position and don’t have any questions. Consider a formal mentoring program where supervisors or other experienced employees look out for the new employees and check in with them regularly.
Volunteers may qualify for workers’ compensation benefits too. If the person volunteering is established as an employee — for example, he or she is receiving some form or payment
from the district for his or her services — then he or she would qualify for workers’ compensation benefits if injured while volunteering for your district. Someone who is being paid in kind for their services — through free meals or lodging when chaperoning a school trip, for example — could be considered an employee too.
For specific questions about training employees or temporary workers and volunteers working in your district, contact your Marsh & McLennan representatives.
See http://www.mnmsba.org/MSBAIT-RiskProtectionProgram to access contact information.
Keep all of your employees safe — temporary workers and volunteers, too
Page 8 Tuesday, October 3, 20177
Awards
The Local Government Innovation Awards recognize the creative ways counties, cities, townships, schools and Native nations are making Minnesota better and doing things differently. All types of local government innovation are encouraged to enter. Award entries will be accepted through Friday, October 6.
Visit http://lgia.umn.edu to apply and see past winners in the school category for inspiration.
New this year, The Bush Foundation is awarding a $10,000 grant for a collaboration between local government and a Native nation. This award must be submitted by the local government entity. This year’s awards will honor up to 20
local government entities (five cities, five counties, five townships and five schools).
Award winners will be honored during a December 7 ceremony in Minneapolis.
Apply for Local Government Innovation Awards by October 6
Apply for NSBA’s equity-focused Magna Awards by November 6Nominate your exemplary and innovative program for the National School Boards Association’s 2018 Magna Awards. The 2018 awards program will focus on equity in education and will recognize district programs that remove barriers to achievement for vulnerable or underserved children. The nomination period ends November 6. Learn more at http://www.nsba.org/newsroom/american-school-board-journal/magna-awards.
Innovation. Impact. Growth.Enter Your Project: 9.18 – 10.6
lgia.umn.eduSchools can win a $5,000 grant for
submitting their project that supports, models and shares local government
innovations in service.LGIA is a collaboration between MSBA,
The HHH Public and Nonprofit Leadership Center and The Bush
Foundation, awarding $5K grants to award recipients.
@PNLCHHH #LGIAwards
U.S. Secretary of Education Betsy DeVos recently recognized eight Minnesota schools as National Blue Ribbon Schools for 2017 based on their overall academic excellence. Schools recognized as “exemplary high performing schools” are among their state’s highest performing schools, as measured by state assessments or national standardized tests. The recognized schools are:
■ Hoover Elementary, Mankato Area School District■ Lake Marion Elementary, Lakeville Area School District■ Woodland Elementary School, Alexandria School
District■ Gordon Bailey Elementary, South Washington County
School District■ Washington Elementary School, Rochester School
District■ Wilshire Park Elementary, St. Anthony-New Brighton
Schools■ St. Anthony Park Elementary, St. Paul Public Schools■ Oakwood Elementary, Wayzata School DistrictSee https://content.govdelivery.com/accounts/MNMDE/
bulletins/1b9f64b for more information.
School districts can apply for Innovation Research Zone Pilot Program
The Minnesota Department of Education recently posted information and applications for the Innovation Research Zone Pilot Program.
See http://www.mnmsba.org/Portals/0/InnovationZone-Info.pdf for background and application instructions.
Visit http://www.mnmsba.org/Portals/0/InnovationZone-Application.docx to download the application form.
Applications received on or before January 26, 2018, will be reviewed with an anticipated notification date of late March 2018.
Direct questions to the Minnesota Department of Education’s Jennifer Nelson at 651-582-8791 or [email protected].
Minnesota Department of Education
Blue Ribbon Schools named; apply for Innovation Zone pilot
Learn about tools you can use from Mental Health First Aid — a workshop for local government employees from cities, counties, school boards, and townships. During this workshop, you’ll create partnerships with other community leaders as you discover ways to help with this growing issue.
MSBA is partnering on this workshop with the League of Minnesota Cities, the Association of Minnesota Counties, and the Minnesota Association of Townships. See accompanying box for remaining schedule and registration.
Tuesday, October 3, 2017 Page 9
The Leader is published as a member service by the Minnesota School Boards Association, 1900 West Jefferson Avenue, St. Peter, MN 56082. The Leader is edited by Associate Director of Communications Bruce Lombard. Call 800-324-4459 with any questions.
Job openings, Marketplace notices and other information can be emailed to [email protected] or faxed to 507-931-1515.
Job OpeningsSuperintendents/Directors■ Minnesota State High School League — executive director (application deadline: October 13)■ Region V Computer Services Organization — executive director (application deadline: October 18)
Visit www.mnmsba.org/DistrictJobOpenings for application information.
Visit www.mnmsba.org/MSDLAF for the latest Minnesota School
District Liquid Asset Fund Plus rates.www.facebook.com/mnmsba www.twitter.com/mnmsba
MarketplaceThe Goodridge Public School District is interested in purchasing a used set of football lights. Please contact Goodridge Superintendent Galen Clow at 218-378-4133 or 218-689-3951 for information.
Axis Communications is hosting its School Safety Symposium from 8 a.m. to 3 p.m. Thursday, October 19, at Wayzata High School.
The School Safety Symposium will focus on school safety best practices, useful technology and helpful resources.
The event is free of charge. Breakfast and lunch will be provided. See http://www.axis-communications.com/MN-School-Safety to access registration.
Events
School Safety Symposium slated for October 19 at Wayzata High School
Education Minnesota offering exhibitor opportunity at MEA job fairEducation Minnesota is offering school districts to exhibit at an education job fair at this year’s MEA Conference on Thursday, October 19, in St. Paul.
While standard exhibit prices range from $500 to $700, school employers are being offered exhibit space for only $250. There will also be space available for employers to conduct interviews
with prospective employees. If you are interested, please contact
Education Minnesota’s Christine Thornborrow at 651-767-1287 or [email protected].
Last chance to attend Mental Health First Aid workshopMental Health First Aid
■ Thursday, October 5, in Ottertail■ Thursday, October 26, in StewartvilleOn the web: http://www.lmc.org/fallworkshop2017Registration: Contact the League of Minnesota Cities’ Chris White at [email protected] for registration information.
Protection assurance when you need it.
Denise [email protected]
Gary [email protected]
Find out what MSBAIT can do for your district.Call 800-324-4459 or email one of
your MSBAIT representatives today.
www.mnmsba.org/MSBAIT
Property, Inland Marine, and CrimeWorkers’ Compensation
School Leaders’ Legal LiabilityAutomobile
Group Term LifeLong-Term Disability
General LiabilityExcess Liability
The Minnesota School Boards Association Insurance Trust (MSBAIT) endorses companies with a proven record of service.
Quality Coverage and Service Tailor-Made for School Districts
Marsh & McLennan Agency LCC for property, casualty, and workers’
compensation insurance and risk management products and services.
National Insurance Services for its group long-term disability
and group term life insurance plans for school employees.
MSBAIT endorses ...
Page 10 Tuesday, October 3, 2017
