1. April 28, 2004 Hartford Office (860) 522-5175 Goodwin Square 225 Asylum Street Hartford, CT 06103-4302 Boston Office (617) 748-5500 225 Franklin Street 16 th Floor Boston, MA 02110 Southport Office (203) 319-4000 30 Jeliff Lane Southport, CT 06890-1436 Pepe & Hazard LLP Denise I. Murphy Presentation to PLUS EPLI SYMPOSIUM 2004 RISK MANAGEMENT: TRAPS AND TIPS

2. ADEA (Age Discrimination) ADA (Americans with Disabilities Act) FMLA (Family Medical Leave Act) IRCA (Immigration Reform and Control Act) OSHA (Occupational Safety Health Act) Title VII (Federal Anti Discrimination Law) FLSA (Fair Labor Standards Act) FEDERAL I. THE TRAPS

3. Anti Discrimination Laws (usually more employee oriented – provides greater protection for employees) State Wage and Hour Laws (often provides criminal as well as civil penalties STATE I. THE TRAPS

4. REQUIRE AN AUDIT Handbook (contracts) Stress at will (ad nauseum) Avoid Mandatory language TRAIN Sexual Harassment Anti-Harassment Effective policies – when in doubt, go conservative! II. THE TIPS

5. Exempt vs. Non-Exempt Demonstrate Benefits To Insured Criminal Penalties Motivate Compliance How to Hire Prohibited Questions How to Fire Common Sense and SAFETY PAYROLL PRACTICES