1 / 24

Street-Level Ethics

Street-Level Ethics. Workshop developed by: Chris Amrhein , AAI, Consultant. Course Objectives. To gain insight into ethical behavior To understand why the terms “ethical” and “moral” are quite different (and why confusing them presents problems)

ellis
Télécharger la présentation

Street-Level Ethics

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Street-Level Ethics Workshop developed by:Chris Amrhein, AAI, Consultant

  2. Course Objectives • To gain insight into ethical behavior • To understand why the terms “ethical” and “moral” are quite different (and why confusing them presents problems) • To become familiar with inherent conflicts in being ethical (if it weren’t hard, everyone would do it)

  3. Course Objectives • To understand the value of a code of ethics • To gain practice in seeing the ethical dilemmas in common insurance situations • To exercise individual judgment and reasoning in addressing ethical dilemmas, relying upon accepted ethical approaches and applicable codes of ethics

  4. Morality • “Right vs. Wrong” decisions • “From the heart and the brain” • “Feels” like the right thing • According to the way I was taught, this IS the right thing

  5. Ethics • “Right vs. right” decisions • Come from the “head” (intellect) • Codes of expected behavior • Approved guidelines • Derived from morals

  6. Today’s Headlines • Are they “moral” or “ethical” issues? • Corporate cheating, corruption • Corporate criminal behavior • Individual profiteering • Stock manipulation • Others?

  7. A True Moral Crisis Is Not Solvable By an Ethical Process…Why?

  8. Because… First Step in Solving “Moral” Crisis Is to Determine “Right” from “Wrong” – NOT “Right” from “Right”

  9. Approaches to Ethical Decisions • Situation-Based • Rule-Based • People-Based

  10. Situation-Based What is the best possible outcome given these circumstances?

  11. Rule-Based Follow the rules, and let the chips fall where they may

  12. People-Based Follow the Golden Rule: what would you have others do if faced by the same situation?

  13. Inherent Weaknesses • Situation-Based: Do the ends justify the means? • Rule-Based: What should the rules be? • People-Based: Who is to say if the moral code of the decider is good or bad? Codes of Ethics can help overcome weaknesses

  14. Code of Ethics • Provide set, agreed-upon guidelines for the behaviour of those who adhere to them • Examples: • American Institute for CPCU • NAIW • CPIW

  15. Questions for Assistance in Ethical Decision Making • Deciding Whether the Situation Has Ethical Dimensions • Gathering Information • Identifying and Evaluating Alternatives • Reaching the Decision • Monitoring the Decision

  16. Case Studies

  17. Value • Gain experience in working through possibilities • Gain comfort in decision making • Explore differences, consider options in a safe, controlled environment • Practice makes perfect

  18. Assumptions • Scenarios must be realistic, not “pie in the sky” purely theoretical discussions • Work through regular steps; do not try to solve all problems at once • Goal is to strengthen your “ethical muscles” for future crises

  19. Agent Case Studies • #1 – A Friend in Need • #2 – The Case of the Absent Audit

  20. Underwriter Case Studies • #3 – The Life of a Field Underwriter • #4 – Who’s the Fairest of Them All?

  21. Original Agent Case Studies • #7 – How Low Will You Go? • #8 – The Last Minute Certificate Crunch • #9 – E&S: When Is “Worse” Better? • #10 – Wrong Is Wrong, but Right for Client

  22. Original Underwriter Case Studies • #11 – School’s Out • #12 – Ignorance Can Be Bliss • #13 – He Who Hesitates Gets Lost • #14 – Gone With the Wind

  23. Now Go Forth and Be Ethical!!!

  24. 720 Providence Road· Suite 100 · Malvern, PA 19355-3433Phone (610) 644-2100 · Fax (610) 640-9676 www.TheInstitutes.org

More Related