Alberta Safety Council for Alberta Safety Council for Seniors’ HousingSeniors’ Housing

PIR and

Disability Management Services

Partners in Injury ReductionPartners in Injury Reduction

Partners in Injury Reduction (PIR) is designed to encourage injury prevention and the development of effective workplace health, safety and disability management programs.

Alberta currently has a rate of 3.0 injuries for every 100 workers. If Alberta reduced its lost-time claim rate to 2 injuries for every 100 workers, claims costs would go down by more than $190 million. That translates roughly to 42 cents per $100 of insurable earnings, on the average premium rate.

The “hidden” costs of a minor workplace accident are conservatively estimated to be at least 5 to 10 times the direct costs of the injury and illness costs.

It has been estimated that for every serious major injury there are 600 incidents that could be considered “near misses”.

Every hour, 17 Albertans are injured at work.

The Facts: Did You Know….The Facts: Did You Know….

Earn up to 20% discount on your industry rate (guaranteed 5% for employers with a Certificate of Recognition)

No Surcharges

Achieve a lower lost-time claim rate and reduced accident costs PIR LTC rate is 13% than non PIR participants

Claim cost rate 23% than non PIR participants

Increase your competitive edge - some companies require subcontractors obtain COR to bid on jobs

Enjoy other benefits including higher productivity, employee well-being and job satisfaction

Benefits of PIRBenefits of PIR

In 2003, 7033 employers are registered in PIR

The number of employers qualifying for PIR refunds has increased to about 4664 in 2002. As a result, PIR refunds for 2002 totalled $37 million.*

*includes Deferred Improving Your Performance Forecasts

Growing with PIRGrowing with PIR

1. Register with WCB

Complete a PIR registration form prior to December 31 to enroll for upcoming year (registration is for a three year period)

No cost to register*

Important to submit form even if not sure about pursuing a COR – can always withdraw registration

*There is no cost to join the PIR program through WCB but all Certifying Partners will charge varying fees to help you achieve your COR

How to EnrollHow to Enroll

How to EnrollHow to Enroll

2. Contact Your “Certifying Partner”*

Find out your industry’s requirements and standard for your size of business

3. Earn your Certificate of Recognition (COR)

*A Certifying Partner is recognized by Alberta Human Resources and Employment as an organization having the ability to assess health and safety audits for quality and to jointly issues CORs to employers

*Indicates that the Certifying Partner is a safety association that is funded through a levy on WCB premiums

Certifying PartnersCertifying Partners

Funded Safety Associations* Other Industry AssociationsAlberta Construction Safety Association Alberta Association For Safety PartnershipsAlberta Hotel Safety Association Alberta Food Processors AssociationAlberta Municipal Health & Safety Association Alberta Forest Products AssociationAlberta Motor Transport Association Alberta Long Term Care AssociationManufacturers' Health & Safety Association Alberta-Pacific Forest Industries Inc.Petroleum Industry Training Service Alberta Safety Council

Alberta Safety Council For Seniors' HousingTextile Rental Institute of AlbertaWestern Wood Truss Association of Alberta

You can reduce WCB premiums in one of three ways: Achieve or maintain a Certificate of Recognition (COR),

and

Improve your performance, or

Maintain Industry Leadership

WCB will award an industry rate discount based on the highest score obtained among the three incentive opportunities, up to a maximum discount of 20%*

* You must have your COR before any discount is awarded

PIR DiscountsPIR Discounts

FIRST:

5% for a Certificate of Recognition (COR)

If you’ve achieved or maintained your COR by the end of the registration year, you will be eligible for a 5% industry rate discount, unless you qualify for a higher discount through the Improving Your Performance or Maintaining Industry Leadership measures.

Achieve or Maintain Your Achieve or Maintain Your CORCOR

THEN:

1 – 20% for Improving Your Performance

This measure compares your current accident performance to your historical performance. Claims costs transacted in the measurement year compared to claims costs transacted in the prior year are used to measure success in both preventing injuries and managing claims that occur. You can earn an industry rate discount of 1% for every 1% improvement up to a maximum of 20%.

Improve Your PerformanceImprove Your Performance

OR:

10 – 20% for Maintaining Industry Leadership

This measures improvements in your claims experience in comparison to the average for your industry’s rate group over the same period. To earn discounts from this measure, you need a COR and claim costs that are at least 50% lower than the industry average for two consecutive years.

Maintain Industry Maintain Industry LeadershipLeadership

Percentage Lower Than PIR DiscountIndustry Average Claim Costs (including COR for Two Consecutive Years discount)

50% or lower 10%

65% or lower 12.5%

80% or lower 15%

90% or lower 20%

Note: You will receive the highest of the three discounts earned, up to a maximum of 20%

Maintain Industry Maintain Industry LeadershipLeadership

Potential Impact of E/R and Potential Impact of E/R and PIRPIR

Maximum 2003 MaximumDiscount Premium Surcharge

Industry Sample Industries (60%)* Rate (80%)**

82800 Seniors Lodges and Homes $0.90 $2.24 $4.03

* Maximum Discount combines E/R at 40% and PIR at 20%

** Maximum Surcharge combines E/R at 40% and Poor Performance Surcharge at 40%

Example:

Seniors Lodge/ Homes 60% Industry 80%

with $8,000,000 in Insurable Earnings Discount Rate Surcharge

Rate $0.90 $2.24 $4.03Premium $72,000 $179,200 $322,400

PIR isn’t just for large employers

“Small Business COR” (SECOR) available for business with less than 10 employees

Meets applications and training needs of small employers while considering their resource limitations

Costs and audit requirements are significantly less to achieve COR

SECORSECOR

PIR and Certificate of Recognition PIR and Certificate of Recognition (COR)(COR)

YTD 2003 First Year Claim Costs / $100 in Premiums

$8.20

$12.35

$0$2$4$6$8

$10$12$14

Non-PIR PIR

PIR Cost 22.61% less than non-PIR 2003 YTD.

• 7,033 employers are in PIR• 4,664 employers have a COR

PIR employers have 13% lower LTC rate

WCB offers services to help employers lower claims costs including: Brochures – “Back-to-Basics”, “Office Ergonomics”,

“Working Safely Behind the Wheel”, “It’s not safe being green”

Disability Management Seminars – help employers understand the relationship between claims costs and employer premiums

Information on injury response, reporting and investigation, case coordination, modified work programs

WCB ServicesWCB Services

Disability Management Disability Management ServicesServices

Disability Management Training (1Day Seminar) Minimize and understanding the impact of work related

injuries – both human and financial

Half Day Supervisor Seminar Usually held on site at employer’s premises

Incorporates claims management into day to day operations

Understanding the Appeals System (1 Day Seminar)

Employer Information Workshop (1/2 Day)

to register for any of these call 1-866-498-4694 (toll free)

Disability Management Disability Management ServicesServices

Claims Audit - to ensure regulatory compliance and provide education to employers

Online Electronic Reporting

Direct Employer Clearance Certificates (DECC)

AAV (Automated Account Validation)

Loss Control Reporting (LCR)

Benefits of an Effective Disability Management

ProgramEmployer Benefits:

Consistent application of policy/procedures

Reduced risk of reinjury

Reduced stress

Increase productivity

Reduce employee turnover

Increase the “bottom line”

Enhance corporate image

Complies with Duty to Accommodate Legislation

Less absenteeism

Lower retraining costs

Benefits of an Effective Disability Management Program

Employee: Early and safe return to work

Reduced risk of reinjury

Continuity of earnings

Reduced stress

Decreased period of disability

Job security

Maintain contact with co-workers

WCB – Alberta Customer Contact Centre

(780) 498 – 3999 (Edmonton) (403) 517 – 6000 (Calgary)

Brochure and registration form available on WCB website under “Safety Pays”

• http://www.wcb.ab.ca/employers/reduce.asp

Detailed requests for discount simulations and refund calculations – Underwriting Department or Account Manager

Disability Management info – Account Manager

Where to get more info on Where to get more info on PIR and Disability PIR and Disability

ManagementManagement

SummarySummary

PIR discount can create a domino effect. If an employer earns a 20% PIR refund for “improving their performance” , chances are their experience rating is also improving. The added benefit of achieving COR is an employer in a surcharge position can work their way out of surcharge and into discount. The PIR discount/refund is “over and above” any improvements in their experience rating.