zero accident culture workers’ compensation overview for: hemaco management wednesday september 8,...
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Zero Accident Culture
Workers’ Compensation
Overview for:
Hemaco Management
Wednesday September 8, 2004
Today’s Agenda
• Workers’ Compensation Overview
• Hemaco’s Historical Losses
• Zero Accident Culture
• Loss Prevention
• Claims Management
• Manager’s Roles & Responsibilities
• The Plan
Cost of Workers’ Compensation
Cost = [Payroll x MD Rate] x Experience Modifier
Ex Mod = Hemaco’s Losses
Avg. Industry Losses
3-Year Average
Losses for last 4 years, excluding most recent year
2004 Ex Mod
2000-01 2001-02 2002-03 2003-04
What is the one factor we can control to reduce cost?
Cost of Workers’ Compensation
Cost = [Payroll x MD Rate] x Experience Modifier
Payroll x MD Rate = $75,629
Ex Mod = Hemaco Losses = $108,149 = 1.43 Avg. Ind. Losses $75,629
Cost = $75,629Cost w/multiplier = $132,684
That’s an increase of $57,055!!
Manual Premium from the policy
Manual Premium from the policy
Mod from NJ WC Exper. Rating Data sheet
Mod from NJ WC Exper. Rating Data sheet
Add column I and J totals from last page of Rating Data
Add column I and J totals from last page of Rating Data
Co. losses/ModCo. losses/Mod
Historical Losses# of Claims
?
INJURIES BY YEAR
0
5
10
15
20
25
30
35
2001-2002 2002-2003 2003-2004 2004-2005
Injury Year
Nu
mb
er o
f A
ccid
ents
HEMACO LOSSES BETWEEN 8/1/2002-8/1/2004
14,500
61,500
1,200 1,0002,500
1,0001
0
10,000
20,000
30,000
40,000
50,000
60,000
70,000
STF'S STRUCK BY MV STRAIN CUT/PUNCT MISC
Type of Accident
Res
erve
d
CLAIM DISTRIBUTION
HEMACO'S # OF CLAIMS BETWEEN 8/2002-8/2004 BY LOSS SOURCE
8
13
1
3
6
2
0
2
4
6
8
10
12
14
STF'S STRUCK BY MV STRAIN CUT/PUNCT MISC
Type of Accident
Num
ber
of C
laim
s
Zero Accident Culture
A value and belief system within the total organization that considers all accidentsto be:
• 100% Predictable• 100% Preventable• 100% Unacceptable
Controlling Costs
There are 2 ways to control losses:
1. Prevent injuries (Zero Accident Culture)2. Control Claims Costs (IWIF-Integrated
Team Approach)
Injury Prevention
• Employee Training:– Employee Responsibilities & Safe Behavior Training– New (and transferred) Employee Orientation– Safety Meetings
• Hazard Elimination
• Injury Review Process
• Zero Accident Culture Development
Hemaco Four Loss Sources Frequency (2002-Present)
• Slips, Trips, Falls: Heaved rugs, mats, ice, rushing
• Struck By’s: Standing up, bending down, opening/closing, falling objects
• Cuts & Punctures: Box cutters, sharps in disposal cans, door frames
• Strains: pulling beds, laundry• red: severity source
Claims Cost Control
• Managing Medical Treatment - Use of Preferred Provider Network
• Transitional Return to Work Program
• IWIF Claims Integrated Team Approach
• Accidents reported to IWIF within 24 hours
• Manage treatment and costs from the beginning
• Effective accident investigation- cause not fault
• Employee benefits not delayed
Transitional Return to Work
• Controls costs reduce severity less impact on Mod• Therapeutic for injured worker• Employee receives full wages• Productive work vs. employee staying at home• Difficult to get workers back once at home
Supervisors Are the “Key” to an Effective Safety Program
• Set the “Safety Example”
• Communicate and plan with your workers
• Recognize and reinforce safe acts and behavior
• Identify and correct unsafe acts and conditions
Supervisor Claims Management
• Treat all claims as legitimate
• Report all claims immediately
• Preserve the scene (subrogation)
• Contact employee regularly
• Provide “bridge” jobs for TRTW
• Investigate and correct causesZero Accident Culture
Thank you for your time.
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