Are Work Comp Costs Really a Big Deal?

The system that was designed to provide medical care and wage replacement for workers who suffer work-related injuries or illness is straining to sustain itself. Rising claim costs and non-regulated reinsurance are contributing factors to the rising costs of work comp.

Today, workers’ comp accounts for one of the fastest growing labor costs. Premiums for workers’ comp have risen 50% nationwide in the last three years – the fastest pace in a decade according to the New York City-based Insurance Information Institute. It really is simple math when every year costs double due to too many claims lasting longer than expected. Some businesses are finding themselves being hit with back-to-back increases of 25% and 40%, even if these businesses are favorable in workplace accident rates. As a business, there is no way to budget for a 20% increase that turns out to be twice that number.

Workers’ Compensation costs have had an enormous impact on several businesses’ bottom line. Accidents simply cost money – not only through direct costs, such as medical and compensation expenses, but in employee morale and client respect as well. Indirect costs are hard to calculate, but if lost, these items can cost your business several times more than direct expenses.

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Showing Compassion for Employees on Disability Can Reduce Work Comp Costs

What happens when an employee gets injured while on the job and goes on temporary disability? They can’t come into work anymore and are forced to sit at home, or they’re in the hospital with almost no contact from anyone at work. In many cases, the only work-related person who they get to talk to is the claim adjuster. They become cut-off from their peers and supervisors.

Sadly, this kind of treatment often leads the employee to feel lost, scared, abandoned, and perhaps even angry. They begin to feel as if they are not wanted around and that their company doesn’t really care about them at all. In many cases, the result of such thinking will end up leading to attorney’s becoming involved and the employee ends up being out for far longer than would otherwise be necessary. This situation is neither beneficial to the company or the employee and most employees would rather it not come to that but feel that they have no other option.

Preventing this from happening can be very simple. All it takes is a simple phone call about once a week to follow up with the injured employee and ask how they are doing. They will be glad to hear from someone from work other than the claim adjuster and it is a good way to monitor the employee’s progress. Sometimes, the information that an employee reveals through conversation can help to better understand the notes from their doctor. A small gift such as flowers or a “get well soon” card is another nice gesture that may be extended to go that extra mile and really make the injured employee feel reassured that they are cared for and eager to return to work.

Cutting Work Time Loss can Save You Money!

One of the biggest causes of work comp costs is a lengthy time loss of work from a disability. If an employee was injured on Jan. 1st, and healed by Jan. 15th, then the employee should return to work on Jan. 15th – not June 15th or July 15th! Keeping your employees recovery time proportionate to the actual length of medical disability will help you save money.

There are several ways protect yourself from unnecessary work comp costs. Create or adopt a Transitional Duty Policy that requires participation when an employee is injured. Communicate this program to your workforce in a positive way so that it becomes part of the corporate culture. Creating a culture that promotes a safe environment improves confidence and awareness for your employees. Establish a goal to bring back injured workers faster. Develop a Health and Wellness Room program to help aid with transitional duty and safety re-education. Communicate with your Health and Wellness Room to talk about progress and obstacles that are preventing the injured employee from returning to work.

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Good Habits are Formed in Health and Wellness Rooms

Learning occurs when the brain creates a pathway of neurological activity through connections and repetition. When actions are repeated, your brain learns patterns of behavior and makes what we call a habit. Our brain acts similarly to a computer, whose cache memory stores frequently used information and makes it faster and easier to process. Fortunately, and sometimes unfortunately, once a habit is formed it is very hard to break.

Continuing the routine of rising for work and participating in a work environment preserves your employees’ daily habits. In the Health and Wellness Room, a full work week and daily schedule is maintained. This prevents a “slump” and/or the potential of developing bad habits.

Physical therapy and mental stimulation keep the mind and body active, all the while providing recuperation and bringing your employees back to the pre-injury workplace. Sometimes, even in better condition than they were prior to the injury. We encourage your employees to create new good habits that will follow them throughout their lives, professionally and personally.

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Setting Up an Ergonomic Workstation is Good For Your Employees’ Health!

Most people are unaware that the placement of their computer monitor can affect their body’s health. Not knowing a good ergonomic way to set up a workstation can take a toll on an employee’s neck and back. Many people suffer eyestrain, back pain and headaches unnecessarily and simple things can be done to improve their health.

The first thing you should consider is monitor placement. For most workstations, the best position is centered in front of them since putting the monitor off-center can cause neck and shoulder pain from twisting and sitting in an awkward position. However, there are exceptions. An employee may have several interactions with others across a desk, like a bank teller or manager. They may want to keep the monitor to the side as to not interfere with their communications. A good solution for that is to put the monitor on a swivel arm.

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What Can a Health and Wellness Room Do For You?

Maybe you have not heard of the term Health and Wellness Room and are not familiar with what its function is. You’re not alone! Surprisingly a lot of people have not heard of this service. Maybe reading some testaments from a few people who have been to a Health and Wellness Room can help clear up the mystery.

A 38 year old warehouse worker experienced his first Health and Wellness Room after hurting his back at work.

“I had been out on disability for about 4 months before hearing about the Health and Wellness Room. My adjuster called me and told me they had a job offer for me. I was surprised because my restrictions had not changed. I was told that I would be getting my 40 hours a week and my regular wages. I was only getting roughly 60 % of my wages on disability. My back was very sore from just laying on the couch but I decided to accept the offer. It was the best thing I could have done! While in the Health and Wellness Room I was given a bunch of information about my injury and how to treat and prevent it in the future. My doctor did not even give me this much info. The room had times allotted for stretch therapy, walking, exercise and ice and heat therapy and I was inspired to get back to work. This structure was perfect for me to get my back injury better. After just two weeks of being in the Health and Wellness Room my back already felt better because I was getting up and going to work and exercising within my restrictions. The Coordinator was an EMT and was able to help motivate me through knowledge and understanding of the body and helped me work within my restrictions to recover.”

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Believe in Your Employees and Create a Safer Workplace

Do you believe in yourself? Do you believe in your employees? Do you believe that every job assignment makes a company flow and is just as important as the next? Do you believe that if any employee is injured, it affects the entire company? Take time to think that if any one of your employees was injured, who could pick up the slack to keep your business on course? If you are an employer who believes in your employees, then you are already on the right track to creating a safer workplace.

Returning an injured worker back to the assembly line is just as important as returning the CEO to his or her desk. Whether it is a repetitive strain injury such as carpal tunnel, an ergonomic issue such as neck or back strain, or even a fracture from a traumatic injury; recovery and return to pre-injury employment is the most important and mutual goal.

Action should be taken to assist with the needs for your injured worker. Your injured employee needs to have a plan for the beginning, middle and end of his or her recovery. With graduating work, programs like work hardening, and safety classes your workplace can have the chance to prevent future injuries as well.

Contact Proof:Positive for more information about preventing future workplace injuries, and assisting those who have already been injured.