Boat manufacturer Subsee Explorer Pty., Ltd., has been fined the maximum amount under federal work health and safety laws of $242,000 for supplying an unseaworthy vessel which sank in the Torres Strait in October 2005 killing five people, according to a report from Australia’s Comcare.
Proceedings were started by Comcare in December 2009 following the sinking of the Malu Sara on its journey between Badu and Saibai Islands in which two federal workers and three members of the public, including a 5-year-old girl, drowned.(WCxKit)
The Federal Court ruled Subsee breached the statutory duty it owes as a manufacturer and supplier of plant.
Comcare CEO Paul O’Connor said the sinking of the Malu Sara was tragic because it was preventable.
“This case demonstrates that Comcare will take strong action in relation to significant breaches of the law, no matter where the breach occurs and that workers in regional and remote areas will be protected under federal law," O’Connor said.
“This is the second prosecution by Comcare arising out of this tragedy and the first time action has been taken against a manufacturer. It sends a strong message to manufacturers who do not take safety seriously. These prosecutions are also a timely reminder to the community about the importance of getting safety right as we work towards model work health and safety laws in Australia. The court said that this tragedy falls into the worst category of case. It is the maximum fine that could be imposed by the court and I believe it is absolutely appropriate on this occasion,” O’Connor said.
Subsee, the manufacturer of the Malu Sara, supplied the vessel under contract to the federal government.
The Comcare investigation found the vessel unseaworthy and not safe for its intended use and that while many reasonable and practicable steps were open to Subsee to ensure the Malu Sara was seaworthy, these steps were not taken.(WCxKit)
Earlier proceedings against the Department of Immigration and Citizenship for breaches of federal work health and safety laws over this incident were finalized last December. The Federal Court imposed the maximum penalty of $242,000.
Author Robert Elliott, executive vice president, Amaxx Risk Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
According to data on labor-force participation from the U.S. Current Population Survey available from the Bureau of Labor Statistics between 2005 and 2010, the number of employees in the U.S. aged 55 to 64 increased 52%. So if an employer has a majority of its workforce in this age range, it is reasonable to say there is an associated risk. But there are positives as well. Below we discuss these issues — positive and negative.
1. An older workforce at your plant can lead to fewer claims
Many smaller employers and plants can have a great loss run report. Workplaces with a loyal workforce and little turnover in a smaller facility can run well. A smaller plant may have only two to three dozen employees. A majority of these workers likely have been employees for over 15-20 years and remain loyal. They have survived buyouts, layoffs, decreased demand, and economic woes. They took the layoffs and returned back to work when needed. They did whatever tasks were asked of them. They know how to do multiple jobs, run multiple machines, and handle different orders as needed. (WCxKit)
These senior-level workers are reliable. They do the safety checks. They can run and maintain their machines in their sleep. They rarely get injured because of years of practicing safety standards. They know not to cut corners. When one of these workers is injured, they want to get back to work. But often this generation of worker has complicated injuries.
2. But when older workers are injured it leads to longer, more severe claims
This senior-level workforce often makes high wages. When they get injured, the wage loss component can account for a big cost associated with lost-time comp claims. Being off work for a month can cost two to three times more than the associated medical costs. By keeping a light duty work program in place, employers can save some expenses.
Shoulder, knee, and back injuries can be particularly severe and often require surgery. These body parts withstand decades of work-related wear and tear. The adjuster has to determine if the injury is work related or due to non-occupational factors. Levels of arthritis, degenerative disc disease, and degenerative ligament tearing are factors. What the employee was doing during the injury is also key. Is this a repetitive motion injury or an acute injury? Or is this an injury related to age that happens to occur in the workplace? The golden rule of workers comp is “Just because an injury happens at work does not mean it is actually caused by work duties.”
If an employee’s back gives out at work, this does not necessarily equate to full granted workers compensation benefits. The adjuster must do a complete, thorough, and often long investigation to maintain ethical accuracy. As long as the adjuster is given all the information needed and questions answered, the correct judgment will be made.
Older employees may feel an injury is work related. After all they have never had a claim or a surgery until now. Now they are off work and frustrated with the recovery process. They are afraid of surgery. And if the claim is denied, legal costs can mount. This high level of employee will fight, and will not take a workers compensation denial lightly. Especially if the employee feels entitled to benefits after all the years on the job. These employees will often obtain legal counsel to explore options, so the adjuster must cover all bases.
3. Identify issues and reduce risk
While older workers generally have fewer workplace injuries, they are often more costly to treat. In addition, they tend to be away from work almost twice as long as their younger coworkers. By understanding the aging process and its impact on workers comp claims, adjusters and employers can help better protect employees from injury. Risks and trends should be identified on the work floor. As previously mentioned, tailoring workstations to your workers to encourage safety and production is crucial. Talking to workers to help the employer identify issues before they become a potential hazard is a positive way to use worker feedback.
4. New technology can spike claims so focus on retraining and safety
New technology can cause frustration and disruption to a daily work routine the worker has done for years. The employee may not be open to this at first. So training and safety are even more crucial. Without it, injuries can and will occur. Follow up with consistent training to reduce the risk and threat of injury.(WCxKit)
Summary
The most experienced workers can be an employer’s greatest asset. But if they become injured, they can become the greatest insurance cost. By keeping them involved, keeping them trained, and keeping them focused on safety, employers can avoid and prevent injury while and keep older workers on the work floor working.
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and website publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing, publishing, pharmaceuticals, retail, hospitality, and manufacturing. See www.LowerWC.com for more information. Contact: RShafer@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
We often hear about “best practices” for workers compensation claims-handling by the adjuster. Best practices are guidelines used throughout the insurance industry to provide full benefits to the employees while protecting the insurer and the employer from too much being paid on the claim.
Best practices for the employers work in a similar manner. The following guidelines are designed to assist the employer in controlling the workers comp claims cost while providing the injured employees with all the benefits to which they are entitled.(WCxKit)
There are three areas where best practices for the employer can make a significant difference. The areas are:
1. The pre-injury best practices.
2. The injury best practices.
3. The claim handling best practices.
1. Best Practices Pre-injury
Prior to the time an employee reports an injury, there are many things the employer can do to prevent the claim from ever happening. Among these best practices would be:
1. Have a strong safety program.
2. Have an awards program that provides recognition and prices to the department that has the best safety record.
3. Tie management bonuses, raises, and promotions to the safety record.
4. Train all supervisors/managers on proper procedures for reporting an injury claim.
5. Include an employee accident brochure outlining what the employee needs to do in the case of an injury in the new hire package.
6. Post the injury procedure where all employees will see it.
7. Post state-required posters on workers comp next to the poster reminding all employees that workers comp fraud is a crime and will be prosecuted.
8. Have a medical provider network in place.
9. Post the required medical providers (in the states where the employer selects the medical provider) or the recommended medical providers (in the states where the employee can select the doctor) where all employees will know who to treat with in the case of an injury.
10. Have a written transitional/modified duty program ready for employees who can return to work with restrictions.
2. Best Practices for the Injury Occurrence
For the employer to control cost and to assist the employee, the following best practices are recommended when an injury does occur:
1. Obtain immediate medical assistance for the employee – guide the employee to the appropriate medical facility.
2. Call the medical facility and advise an accident just occurred, the nature of the accident and the type of injury to allow the facility to be ready immediately upon the arrival of the injured employee.
3. Advise the medical facility of the light duty jobs you can offer the employee.
4. Do not allow the macho man to delay treatment of minor injuries – the employee will end up seeking medical care from their family doctor or hospital emergency room, the cost will be higher and the control over when the employee can return to work will be diminished.
5. Have a goal of returning all injured employees to work within 3 days unless the employee is unable to perform any role for the employer.
6. Report the claim immediately to the claims office with full details.
7. Provide all necessary state forms to the claims office or the appropriate department within the state government.
8. Place on your calendar a weekly reminder to contact the employee until the employee is ready to return to work.
3. Best Practices Post Injury
The employer needs to continue to manage the work comp process. The best practices for the employer after the injury include:
1. Contact the claims office to confirm receipt of the first report of injury, wage documentation, and any other information that should have been provided to them with the claims report.
2. Advise the claims adjuster of the employee's prior workers comp claim history, as the approach the adjuster will take on the claim will vary significantly between the employee who has never had an injury and the employee who files his annual summer/hunting season/winter holidays work comp claim.
3. Make the internal arrangements for the injured employee to return to work on modified duty.
4. Arrange for the injured employee's supervisor and co-workers to discuss the claim with the adjuster.
5. Be empathetic with the employee and let the employee know the company cares about the employee.
6. Maintain regular contact with the employee, either weekly or after each medical visit until the employee is released to return to work.
7. Coordinate with the employee, the medical provider and the adjuster the employee's return to work.
8. Monitor the state filings by the adjuster and all claims related paperwork.(WCxKit)
In summary, the above recommended best practices are not meant to be an all inclusive list of the things the employer can do to control workers compensation claims. These suggestions and guidelines should be supplemented by other processes the employer has established to handle their workers' compensation claims.
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and website publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing, publishing, pharmaceuticals, retail, hospitality, and manufacturing. See www.LowerWC.com for more information. Contact: RShafer@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
A lot of employers strive to be a safer, more productive workplace for their employees. Every business would love to reduce costs and increase profit margins. The cost of claims can account for a big chunk of your monetary losses, especially if you are self-insured or self-administered.
So how do you get started? Where do you start, or better yet when do you start? The answer is RIGHT NOW, and here is how:
1. Know where your risk lies
Observe your workplace. Go through department statistics and see how they all compare to each other regarding losses. Perhaps 75 percent of your injuries occur in the shipping department. Go down there and talk with the supervisor. Find out what their issues are and why they think injuries are happening. Then, work together to solve the problem. (WCxKit)
Another helpful thing to look at is your loss run. Talk to your carrier or adjuster and see if they notice any trends in injuries, or which people are getting injured. Maybe the newer hires account for a lot of the injuries. This may show that a focus needs to be directed towards training and safety right from day one of their employment.
Look at your business. What do you do? What are the risks involved? You could have risk from several areas, stretching from workers comp to automotive issues with your fleet and the drivers, to liability risk from customers in your store. Break it all down, and start to track your statistics. Identify issues, and work on thinking of ways you can reduce your injuries or occurrences from happening in the first place.
2. Plan your attack
If you have identified a few areas in which you could improve by reducing injuries or claims reports, what do you do to fix it?
The answer lies in the resources you have all around you. The first step is to talk to your carrier. Chances are they have the loss-prevention specialists ready to come help you work with what needs to be fixed, and how to fix it. Ergonomic professionals can be brought in to address your workstations, and suggest possible solutions to reduce exposure.
Utilize your medical clinic contacts to see if occupational physicians can watch employees doing their work to identify potential issues with certain movements or repetitive motion injuries. Or, maybe it's time to consider having your own in house occupational clinic for a really proactive strategy. You could staff it wiht a paraprofessional. Utilize your local counsel, and have them come in to explain the risks and costs associated with potential serious injuries, automotive accidents, failure to drug test your employees, etc. Any or all of these will help you get to your goal of reducing your exposure.
3. Implement your solution plan
Once you have identified what needs to be fixed, and how it should be fixed, now it is time to fix it. Get rid of that old equipment and bring in new equipment that has better safety features. They cost less to maintain and repair, and they are quicker to operate. Most new machines use less energy than the old ones, reducing your utility bills and creating worker ease of operation. Get some padding on the floor for workers to stand on during work at their workstations (also known as “fatigue mats”). This reduces strain on their feet and legs, and reduces body fatigue, potentially making them more productive after long hours at the workplace.
Whatever the fix may be, get it done — out with the old, in with the new.
4. Measure your success statistics
Once new equipment is installed and in place, it is time to measure your reductions. Measure your numbers in a two, four, and six month stretch. Did you see any drop in claim activity? Did claims increase, making your plan backfire? You have to see how you did, and most importantly, you have to give it time. Change is disruptive to employees, but they will get used to it. Give it time, and measure your numbers post-change against the ones you first noticed back when you were figuring out where your risk was coming from.
5. Get feedback from your workers
After all you have done, you left out the most important thing: To talk to your staff of workers about the changes. How do they feel it impacted their workday? Were the changes helpful, or did they hurt production? How do they feel at the end of the day? Do they feel less sore or are the new workstations worse than the old ones?
Ask as many questions as you can. This makes your staff feel that their input is important, and taken in to account. After all who better to talk to about the changes that were implemented than those who were directly affected day after day?(WCxKit)
In summary, it is hard to break old habits, and to accept change. I remember an old supervisor of mine said, “It is hard to fully embrace change. To make things easier, you have to ‘lean’ in to it a bit at a time until you have accepted the entire package of change.” This is true on many levels. Even though it is hard work to find out what your risks are, how to attack them, implementing your changes, measuring your success, and getting worker feedback, in the end it will be worth it. Lean in to the task; don’t try to tackle it all at once.
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and website publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing, publishing, pharmaceuticals, retail, hospitality, and manufacturing. See www.LowerWC.com for more information. Contact: RShafer@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
The Health and Safety Executive reports a self-employed roofing contractor of Essex, Great Britain has been given a suspended prison sentence in the death of a friend. The contractor's friend fell through the room of a residential garage and later died of his injuries.
Steve Mason was contracted to replace a flat roof on a double garage at a house in Well Lane, Stock, near Chelmsford, and brought James Waughman with him. While on site,Waughman, 58, of Perry Road, Tiptree, suffered a stroke and multiple injuries after falling to the garage floor through a gap in the rafters. He died three weeks after the incident in July of 2009. (WCxKit)
The contractor, Steve Mason, also 58 of Perry Road, Tiptree, received an eight-month prison sentence, suspended for 12 months, and was ordered to pay $820.00 (£500 costs) recently at Chelmsford Crown Court after admitting breaching section 3 (2) of the Health and Safety at Work Act 1974.
HSE Inspector Lesley Balkham noted, “This sends out a powerful message to roofing contractors. Steve Mason failed to properly consider the risks of the job and act to limit the chances of injury or even death. He should have put guard-rails around the edge of the roof and taken measures to prevent anyone falling through it, but he chose not to.”
“No matter what size the business, everyone in the construction industry should be very familiar with the risks of working at height and appreciate the importance of ensuring that the right precautions are put in place, however small the job. Falls from height remain one of the biggest causes of workplace deaths in the UK.”
Author Robert Elliott, executive vice president, Amaxx Risk Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
One-hundred fifteen million of the world’s 215 million child laborers are working in hazardous conditions according to the United Nation's International Labor Organization, which is calling for immediate action to stop the practice.
An ILO report shows that a child laborer somewhere in the world is the victim of a work-related accident, illness or psychological trauma once every minute. The report cites studies from both industrialized and developing countries and shows that although the overall number of five to 7-year-old children in hazardous work declined between 2004 and 2008, the number aged 15 to 17-years-old increased by 20 percent during the same period, from 52 million to 62 million. It looks in detail at six economic sectors: crop agriculture, fishing, domestic service, mining and quarrying, and street and service industries.
Last year, the ILO’s global report on child labor warned that efforts to eliminate the worst forms of child labor were slowing down and expressed concern that the global economic crisis could “further brake” progress toward the goal of eliminating the worst forms of child labor by 2016. The report seeks a renewed effort to ensure that all children are in education at least until the minimum age of employment and for countries to establish a hazardous work list as required by ILO child labor conventions.
The report also says that urgent action is needed to tackle hazardous work by children who have reached the minimum age but may be at risk in the workplace and calls for training and organizing such young workers so that they are aware of risks, rights and responsibilities in the workplace. Additionally, the report claims exposure to hazards can have a particularly severe impact on children, whose bodies and minds are still developing late into teenage years.
The study notes that the problem of children in hazardous work is not confined to developing countries. Evidence from the U.S. and Europe also point to a high vulnerability of youth to workplace accidents.
Other main findings include:
1. Children have higher rates of injury and death at work than adults, as shown by a range of research studies.
2. A substantial number of children experience long working hours that significantly increases the risk of injury.
3. The largest number of children in hazardous work is in Asia and the Pacific. However, the largest proportion of children in hazardous work relative to the overall number of children in the region is in sub-Saharan Africa.
4. Most of the decline in the total numbers of children in hazardous work is among girls.
5. Over 60 percent of children in hazardous work are boys.
6. Hazardous work is more commonly found in agriculture including fishing, forestry, livestock-herding and aquaculture in addition to subsistence and commercial farming. (WCxKit)
The ILO report concludes that while there is a need to strengthen workplace safety and health for all workers, specific safeguards for adolescents between the minimum age of employment and the age of 18 are needed. ILO says these measures need to be part of a comprehensive approach in which employer and worker organizations and the labor inspectorate have particularly critical parts to play.
Author Robert Elliott, executive vice president, Amaxx Risks Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
When reviewing medical records or looking at medical notes from an injured worker’s doctor, some of the diagnosis wording can be confusing. This is especially true with strain-type injuries. The word “exacerbation” and “aggravation” can mean the same thing in certain scenarios, and they can carry different meanings in other scenarios. Adjusters are always looking for the physicians involved in work comp to differentiate between these two words, and how they apply to the injury of the employee. We explain these words, and their meanings, below; however, keep in mind these definitions are general and can differ in different jurisdictions. (WCxKit)
1. What does “Exacerbation” mean?
Physicians use this term when they talk about a temporary flaring-up of a pre-existing medical condition, generally some form of arthritis. This could be degenerative disc disease, osteophytes, bone spurring, spondylosis, spondylolisthesis, etc. Everyone has a certain degree of arthritis in their joints and in their spines, and some have it worse than others, regardless of age. In fact, there are many people in the 18-30 age range with spines that look like they should be well over 60 years old. Nobody is really sure what contributes to this, but a lot of it has to do with genetics, activity level, and the demands of just plain day-to-day living.(WCxKit)
When a doctor states your worker “has an exacerbation of pre-existing degenerative disc disease” it is just a way of saying their arthritis has flared up. The real question when it comes to work comp is, “When is this exacerbation subsided? Disability guidelines state that an exacerbation will resolve within a period of two to eight weeks, depending on the level of exacerbation and the level of the pre-existing conditions. So, if someone has a decent looking X-ray without a lot of arthritic conditions, they would be on the lower end of that scale, whereas someone with a higher degree of arthritis would be on the higher end of that scale.
Adjusters will always ask doctors if they are continuing to treat the exacerbation, or are they treating the pre-existing arthritis? Doctors often tiptoe around this subject, since they don’t know how bad the worker was hurting prior to the injury. Adjusters question treatment and use tools such as disability guidelines and the IME in their efforts to continually investigate and evaluate or "adjust" the claim. Therefore if there is a question about continuing treatment, the adjuster will request an IME (Independent Medical Evaluation), and the IME doctor will decide. Most times the future coverage of medical treatment will hinge on the result of the IME and the case either moves on or becomes disputed based on that result.
2. What does “Aggravation” mean?
When we start to talk about aggravation of pre-existing arthritis, this is another level beyond exacerbation. Aggravation, in the minds of most physicians, means you have somehow worsened a pre-existing condition. This does not mean the work injury actually pathologically changed the diagnosis and location of arthritis; it just made it worse somehow. When the patient has had multiple types of treatment and weeks of therapy, and the end result is the worker being no better off six weeks later than they were at the time of the injury, doctors will lean towards using an “aggravation” diagnosis since the worker has failed to improve with conservative treatment.
In the world of work comp, this is worrisome to the adjuster. The general public has never had an MRI for fun, and once they get an MRI for the first time it will probably show a handful of arthritic problems, usually most of which aren’t traumatic in nature. The worker will tell the adjuster “I never had any back problems prior to my injury at work, so work must have caused all of these issues,” That is not exactly 100 percent true, since most forms of work do not actually cause arthritis in multiple levels of the spine, but a work incident can flare them up so bad that it is hard to get them to calm back down.
Useful again is our friend the IME. Adjusters will turn to an IME doctor to ask if any ongoing pain or problems stem from said injury, and if the IME doctor does relate it back to the injury, what treatment is needed to calm it back down to where the worker is functional again like they once were? Truthfully, only the injured worker knows what degree of back problems they had prior to this injury. We all get sore and have aches and pains. But, we all do not run out to get MRIs and track the progress of our issues, unless you do have some actual serious medical problems going on that are not occupational in nature.
3. So what is the issue?
This issue is from the adjuster’s standpoint. Some strain-type injuries will be compensable, and carriers will be on the hook to provide some medical care for these injured workers, if the claim is compensable. But as the worker fails to get better, the adjuster will dig deeper and see what issues are present on X-ray or MRI that are not occupational in nature. Then they have to turn to the doctors to ask, “Given the level of pre-existing arthritis in this worker’s spine, is this an exacerbation, or an aggravation, of this present arthritis? Do they need further treatment for their work injury or are the ongoing symptoms not occupational in nature? If there is an exacerbation, what further treatment is needed and for how long? If it is an aggravation, how is the pre-existing condition aggravated and how can you prove that using objective medical evidence?”
The only way to cleanly get out of a claim like this is to rely on the mechanism of injury. If a person picks up a box, feels a pop in the back; their legs give out and they fall to the ground in pain and have to be rushed to the hospital and need to undergo emergency surgery for a severe disc herniation, then chances are you have little to no defense on that claim.
But, if a worker picks up a box, feels pain, reports it to their boss a week later, then two weeks later goes to the clinic for treatment, then you have a lot of avenues to travel down to try and fight that claim. This is why prompt reporting to your carrier is important. If the worker tells the adjuster that they told their boss right after the injury, and it took their boss two weeks to call the claim in so the worker could finally go to the clinic, that case will not have a great defense for the adjuster to use. We say this a million times, and it does not hurt to say it once more: call those claims in as soon as you are told of an injury! The defense of the claim may depend on it! (WCxKit)
In conclusion, adjusters are constantly reviewing medical records to determine the exacerbation versus aggravation issue, and depending on what that answer is, that will provide the future of the claim. Costs of medical treatment are always rising, and carriers hate to pay for treatment that they should not have paid for. Expert review of medical records is a must, and should be done on all claims by the adjuster and their IME physician. The treating doctors have to be pushed to show what they are treating, why they are treating it, and how it relates back to the original injury. If they can’t or will not answer, then it is time for an IME doctor to step in.
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and website publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing, publishing, pharmaceuticals, retail, hospitality, and manufacturing. See www.LowerWC.com for more information. Contact: RShafer@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
Every year thousands of employees are injured in the course and scope of their employment. The goal of our blog is to help find ways to reduce those numbers. The majority of these injuries are preventable. There are a lot of resources your carrier can provide to help you reduce your claims dollars spent on workers compensation medical expenses and lost time wages from work due to occupational injuries.
We discuss some of the more popular mechanisms of injury below:
1. Slip/Fall injuries
Twenty-five thousand slip-and-fall accidents occur daily in the U.S., accounting for 15 percent of all workplace injuries. It is also the leading injury to people on company premises. (WCxKit)
These types of injuries can result in fractures, dislocations, and head injuries. These types of injuries are also the most expensive to resolve, some of them resulting in the need for future medical expense and permanent occupational restrictions. Slip/fall prevention can span a variety of areas. Anti-slip coatings on floors can help, as well as strips on stairs, proper handrails on staircases, and well-placed carpets or mats by doorways.
Depending on the climate in which you are located, there are several inexpensive ways to help curb your exposure for slip/fall injuries. Make your staff wear anti-slip footwear or proper boots if they work in an outside environment. Also solicit employee feedback to find out where the problem areas are and ways to fix them. Like we always say, you would be amazed at what your employees can tell you about your workplace hazards, and the cost of obtaining that information is free.
2. Back injuries
Back injuries account for more lost work time than any other workplace injury. Often, the source is improper lifting.
Have your employees take a course in proper lifting mechanics and proper body posturing. Look at your loss runs to see which departments have the highest injury occurrence to see what corrections need to be made. Try to palletize your inventory at floor level or just above floor level. Get workstation ergonomic specialists in to see if they are properly fitted for your employees.
Get your incoming materials to come in smaller quantities so unloading inventory is not as hazardous to your staff. See if rigid plastic tubs can be used instead of cardboard to reduce the risk of handle breaks while in the course of lifting. Again, ask your employees where the problems are and ask their ideas for making their day to day work easier to perform with less risk involved.
3. Ergonomic/repetitive motion injuries
Musculoskeletal disorders result in over $45 billion in loss wages and productivity costs. Disorganized office workstations and poor ergonomic practices are common contributors.
You can prevent these hazards by updating your workstations. Get adjustable desks and chairs. Use ergonomic computer stations and proper computer techniques. Remember your workers are utilizing your office stations hour after hour and day after day. What starts out as a small issue can compound into a big problem, for which the only repair is surgical intervention. Your carrier will have resources to provide in how you can get your workplace evaluated for proper ergonomics and workflow.
Take the time and invest in your own company by seeing where your problem areas are and taking the time to fix them now. If you choose to ignore it, the injuries will come. Reduced productivity and lost time away from work with added medical expense will cost far more than the costs associated with having a proper ergonomic work environment for your employees.
4. Adverse weather’s contribution to occupational injuries
It is no surprise in the winter months that injury claims increase, especially for those in the Midwest and Northeast portions of the U.S. Snow, ice, and freezing rain contribute to a lot of these injuries, and the results are falls that lead to broken bones, contusions, and potential closed head injuries. When you ask what happened, the common answer is “I couldn’t see any ice there but as soon as I stepped in the area I fell right down to the ground hard.” Black ice is becoming a major contender for the main cause of falls in early winter and early spring.
Employees coming into the building from the parking lot often drag in snow with them, which melts and becomes water on the floor, which another employee may not see and then falls in. Make sure your parking lots are properly plowed and salted at all times. Check your entrances and make sure the mats are clean and dry and in good working order. Be sure to open communication with your workers so they can report a problem in a stairwell or doorway. This can prevent a serious injury from happening.
5. Falls from ladders or scaffolding
Falls from ladders injure of 20,000 American workers annually. Some injuries result in permanent disability and even fatalities. Safety starts before the ladder is even mounted. Teach your employees what they can do to avoid becoming injured.
Make sure your ladders are in proper working order, and that employees know how to lock them in place properly and mount them correctly to prevent the ladder from falling over. Be sure your employees know how to operate while using scaffoldings and be sure to have someone inspect them for repair before someone falls.
Since height is involved with ladders and scaffoldings, the injuries sustained are often more severe than others. Have an outside vendor come in to inspect and maintain your equipment to make sure it is in proper working order. Ask your carrier if they have resources at their disposal to recommend better, more functional ladders for the type of work you do at your facility. Stop these injuries from even happening by being proactive and safety-conscious when working at heights.(WCxKit)
In conclusion, these are the top five mechanisms of injury often seen in the workplace. Be addressing them properly and following up with ways to correct the problems, you not only make your workplace safer for your employees, but you could stop a potential severe injury from occurring in the first place.
For more information, try: http://www.travelers.com/business-insurance/risk-control/risk-management-resources
Author Rebecca Shafer, JD, President of Amaxx Risk Solutions, Inc. is a national expert in the field of workers compensation. She is a writer, speaker, and website publisher. Her expertise is working with employers to reduce workers compensation costs, and her clients include airlines, healthcare, printing, publishing, pharmaceuticals, retail, hospitality, and manufacturing. See www.LowerWC.com for more information. Contact: RShafer@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
There has reportedly been a good response to the call for submissions to the Asbestos Innovation Fund which was advertised in all major Australian metropolitan and regional newspapers recently.
According to information from Comcare, the $1.5 million fund was launched in December 2010 by the Minister for Tertiary Education, Skills, Jobs, and Workplace Relations, Sen. Chris Evans.(WCxKit)
The Asbestos Innovation Fund is seeking research projects, new initiatives, programs that prevent or better manage asbestos exposure or improve treatment for asbestos disease sufferers.
It provides funding to assist with research, treatment, and education programs or practical initiatives. Applications for the fund are open until Sept 25, 2011.
Comcare is underwriting this fund as part of its role to improve the management of the Commonwealth’s common law asbestos responsibilities.
Committee chairman, Comcare’s chief actuary Bruce Watson, said the program is designed to encourage development of practical programs and research that raise awareness of asbestos, improve its management and removal, or improve treatment and support for sufferers and their families.
He said a wide range of programs may be supported by the fund, including communication and education campaigns, workplace training solutions, skills development programs, and the development of warning and safety systems.
Watson said the fund could also include safe removal systems, medical research into improved diagnostic, treatment and patient care practices, and approaches to systems of compensation and support.(WCxKit)
Further information about the Asbestos Innovation Fund, including forms and the application processes, are available on the Comcare Web site at:
http://www.comcare.gov.au/.
Author Robert Elliott, executive vice president, Amaxx Risk Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.com.
Our WC Book: www.WCManual.com
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.
British satellite TV installation firm Foxtel, Ltd, has been prosecuted following the death of a worker who fell while carrying out work on a roof, according to a report from Health and Safety Executive (HSE).
Engineer Noel Corbin, 29, from New Addington, Croydon, suffered fatal head injuries after falling 13.5 meters (44.3 ft.) from a four-story house onto a side patio in Belsize Park, London Feb. 3, 2008. (WCxKit)
The Old Bailey heard safety equipment found in Corbin's van was unsuitable for the type of work he was undertaking.
An HSE investigation after the incident exposed a number of failings at Foxtel, Ltd., including failure to ensure work at height was properly planned, organized, and monitored.
The Old Bailey heard Corbin was working on a satellite TV dish on the property's roof apex and had accessed the roof via a dormer window. Before his fall he was also seen working on another satellite dish located on a flat roof. Evidence suggests Corbin fell from the flat roof itself or while walking across the sloping roof.
The court was told when Corbin was first employed by Foxtel, Ltd., references were not sourced from his previous employer, nor were any training certificates provided. Corbin was also not accompanied on any initial visits so therefore no assessment could be made of his competence.
As a result, the HSE investigation concluded as soon as Corbin stepped onto the roof, he was at high risk of slipping, tripping or falling. Most of the work on satellite dishes Corbin undertook involved work at height on large properties with more than two stories.
Foxtel, Ltd., based in Wates Way, Brentwood, Essex, pleaded guilty to breaching section 2(1) of the Health and Safety at Work etc. Act 1974. Today, the firm is no longer trading and was shown to have no assets. The court fined the company £1 ($1.65).(WCxKit)
Falls from height remain the most common cause of workplace fatality. In 2008/09 there were 35 fatalities, 4,654 major injuries and a further 7,065 injuries that caused the injured person to be off work for three or more days .
Author Robert Elliott, executive vice president, Amaxx Risk Solutions, Inc. has worked successfully for 20 years with many industries to reduce Workers Compensation costs, including airlines, healthcare, printing/publishing, pharmaceuticals, retail, hospitality and manufacturing. See www.LowerWC.com for more information. Contact: Info@ReduceYourWorkersComp.com.
Do not use this information without independent verification. All state laws vary. You should consult with your insurance broker or agent about workers comp issues.
©2011 Amaxx Risk Solutions, Inc. All rights reserved under International Copyright Law. If you would like permission to reprint this material, contact Info@ReduceYourWorkersComp.com.