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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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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Could Your Employee Workstations Use an Upgrade?

Warehouse employees are subjected to a great deal of repetitive stresses on the body and as a result, musculoskeletal disorders are their most common forms of injuries. One way to significantly decrease the number of musculoskeletal injuries sustained while on the job is to make their work stations more ergonomically sound.

Ergonomics is the science behind why things are designed the way that they are. Handheld tools, for example, may have ergonomic handles on them that decrease or disperse the force that is applied to the hand. Also, workstations can be designed in a way to maximize productivity while reducing employee fatigue and risk of sustaining an injury.

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Have the Advantage Over Work Comp Claims

In tennis, the first point after deuce that puts you ahead of your opponent is called having the “advantage.” The dictionary defines the term advantage as “a beneficial factor or combination of factors.” When looking at worker’s compensation claims, you need to have the “advantage” over malingering or false claims that could cost your business a substantial amount of money.

Start by being on top of your hiring policy and standards. Look for quality employees that suit your business and keep a close watch on potential hiring risks. It is crucial for businesses to protect their “advantage” and be proactive about worker’s compensation fraud. Well developed hiring processes can help protect your “advantage” by being one step ahead of the employee. For instance, develop a firm policy when it comes to drug testing. Pre-employment and post-injury drug screening can make your workplace safer and avoid unnecessary costs related to accidents and injuries.

As the dictionary states, create a beneficial combination of factors to help keep you on the “advantage” side of work comp claims. A combination of factors would include having the right tools for the job, a strong ergonomic assessment of your business environment, an understanding of Worker’s Compensation, a plan for when injuries occur, and the support and dedication from your safety team to create a safe environment before and after an injury occurs.

The beneficial factor comes from the savings you will see by reducing your claims. Workers compensation claims are part of the reality of doing business. Proof:Positive can significantly cut your costs when handling that inevitable incident. A proper and timely reaction to temporary disability claims is critical in reducing costs. Let us help you develop a business that has the “advantage” over costly and sometimes fraudulent claims.

Preparing for Future Work Comp Expenses

We have all thought about and planned for the future at one point in our lives, with the hope of being financially stable, in good health, and happy. Well, businesses should be doing the same planning. Having a solid return to work plan for injured workers will help your business thrive in the future.

Does your business have a solid IIPP Program (Injury and Illness Prevention Program), a safety program, and an effective implementation of those policies? Being prepared means having something in place prior to a problem occurring. Take the time to map out the steps so your business does not get lost in the world of workers compensation. Utilizing an early return to work program can help you get injured employees back on the job, save money, and protect that dream of a successful business that cares about its employees and their health.

According to the California Division of Worker’s Compensation the state average weekly wage (SAWW) has increased nearly 4% in 2008. The new maximum for 2009 temporary total disability will be increased to $958.01 a week. With these increases your business needs to have a plan on educating, rehabilitation, injury prevention, safety, ergonomics and return to work programs. This plan will help you save valuable dollars being spent on claims that you did not plan for.

Eliminate the headaches involved with building IIPP programs or Return to Work Programs and Safety Concerns! Let Proof:Positive tailor a plan for your company that will help keep your workers’ compensation costs out of the red and keep you and your employees smiling!

How Can You Control Workers’ Compensation Costs?

Regardless of the industry you’re in, the best way to control the cost of workers’ compensation premiums is to avoid injury claims. A safe environment, effective safety training, and ongoing programs to promote safe work habits are keys to preventing employee injury.

Once new employees are properly trained to perform their jobs safely, it’s important to maintain safety awareness. In addition to posting safety reminders in common areas, consider holding workshops or hosting safety seminars to talk in depth about the specific issues affecting workers. Providing incentives for good safety records is also a good idea.

In most states, workers’ compensation is “no fault.” That means that on the job injuries are covered by workers’ compensation insurance, regardless of the cause of the accident. In other words, if employees are injured on the job due to their foolish or careless behavior, those accidents are covered by your workers’ compensation insurance. This is why it’s crucial to continually promote safety awareness and safe work habits.

Workers compensation costs businesses over a half trillion dollars. You don’t have to accept your current levels of workers compensation claims or claim costs. Contact Proof:Positive today for a free initial consultation.

Knowledge is Contagious – Give Your Employees the Forum to Learn

Many factors affect our health. Some are beyond our control, such as genetic makeup and age – but we can make changes to our lifestyle. By encouraging your employees to take steps toward healthy living, you can help reduce the risk of heart disease, cancer, stroke and other serious diseases. Obvious practices are to eat well, maintain a healthy weight, be physically active and see a doctor for regular screenings.  

Incorporating these practices into lifestyles and routines can be difficult for those people who don’t realize their significance. Wouldn’t it be nice to have a place where your employees can learn this information while on the job and also have it available to your injured employees?  A Health and Wellness Room can help employees learn about a healthy lifestyle, which in return produces a healthy and productive employee. Knowledge is contagious and when one employee shares his knowledge about health or safety, it spreads to others.

Proof:Positive can provide your employee with a wealth of knowledge that will spread throughout your business. Proof:Positive can decrease your workers compensation costs through preventative measures or by educating the injured. All this can be done while they remain on normal payroll so lost time is reduced. Let us help you create a workplace filled with informed employees who are motivated to perform their duties safely.