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 ID: 717762
Download Presentation The PPT/PDF document "Street-Level Ethics Workshop developed b..." is the property of its rightful owner. Permission is granted to download and print the materials on this web site for personal, non-commercial use only, and to display it on your personal computer provided you do not modify the materials and that you retain all copyright notices contained in the materials. By downloading content from our website, you accept the terms of this agreement.
Slide1
Street-Level Ethics
Workshop developed by:
Chris
Amrhein
, AAI, ConsultantSlide2
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)Slide3
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 ethicsSlide4
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 thingSlide5
Ethics
“Right vs. right” decisions
Come from the “head” (intellect)
Codes of expected
behavior
Approved guidelines
Derived from moralsSlide6
Today’s Headlines
Are they “moral” or “ethical” issues?
Corporate cheating, corruption
Corporate criminal
behavior
Individual profiteering
Stock manipulation
Others?Slide7
A True Moral Crisis Is Not Solvable By an Ethical Process…Why?Slide8
Because…
First Step in Solving “Moral” Crisis Is to Determine “Right” from “Wrong” –
NOT
“Right” from “Right”Slide9
Approaches to Ethical Decisions
Situation-Based
Rule-Based
People-BasedSlide10
Situation-Based
What is the best possible outcome
given these circumstances?Slide11
Rule-Based
Follow the rules, and let the chips fall
where they maySlide12
People-Based
Follow the Golden Rule: what would you have others do if faced by the same situation?Slide13
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 weaknessesSlide14
Code of Ethics
Provide set, agreed-upon guidelines for the behaviour of those who adhere to them
Examples:
American Institute for CPCU
NAIW
CPIWSlide15
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 DecisionSlide16
Case StudiesSlide17
Value
Gain experience in working through possibilities
Gain comfort in decision making
Explore differences, consider options in a safe, controlled environment
Practice makes perfectSlide18
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 crisesSlide19
Agent Case Studies
#1 – A Friend in Need
#2 – The Case of the Absent AuditSlide20
Underwriter Case Studies
#3 – The Life of a Field Underwriter
#4 – Who’s the Fairest of Them All?Slide21
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 ClientSlide22
Original Underwriter Case Studies
#11 – School’s Out
#12 – Ignorance Can Be Bliss
#13 – He Who Hesitates Gets Lost
#14 – Gone With the WindSlide23
Now Go Forth and Be Ethical!!!Slide24
720 Providence Road
·
Suite 100
·
Malvern, PA 19355-3433
Phone (610) 644-2100
·
Fax (610) 640-9676
www.TheInstitutes.org