E-Mod: Know it. Understand it. Reduce it.

Author in the Prevent Future Claims category

Workers’ compensation insurance is a little complex, at times. Finding ways to save on workers’ compensation costs requires innovation on the prevention side, and a little savvy on the financial side.

A key factor for determining the amount of premium you will pay is the Experience Modifier (E-Mod). This is the multiplier applied to your manual premium rate, which determines how much premium you will be charged. If you are self-insured or have a high-deductible plan, your equivalent of the E-Mod is the Loss Development Factor (LDF).

Your injury prevention programs are the first line of defense. Decreasing the frequency of claims has a big impact on the E-Mod. Proof:Positive can help your organization drive claim frequency down through their Injury Prevention Programs, Ergonomics Evaluations and Safety Training. Investing a small amount in prevention can pay big dividends each year at policy renewal time.

It is also important to work with the right professionals once a claim has occurred. By utilizing health care professionals that understand the concepts of early return-to-work and streamlining the claim process, you can greatly reduce the severity of the claim. By delivering appropriate care and re-introducing the employee to the workplace in a timely manner, Proof:Positive helps “cut the tail off” of workers’ compensation claims. This will help drive your E-Mod down, as well.

By viewing just the workers’ compensation finance costs, the ROI on the prevention/claim management investment is compelling. If productivity increases are considered, these investments become imperative. Contact Proof:Positive to capture these savings, today!

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The Rights Tools and Education Can Help You Save!

Author in the Prevent Future Claims category

Do your employees have the right tools for the job? Are their tools ergonomic, do they fit right, and are they the right ones for the specific task they are performing? Some research suggests that the improper use of tools at work can cause musculoskeletal disorders. This can lead to lost time at work and costly worker compensation claims. Implementing a program to prevent these injuries is extremely important. Larger companies realize the need for safety programs and so should smaller businesses. Work related injuries for big or small companies can severely damage your profits.

Tools are marketed in many different ways. Some say ergonomic and some say ‘impact resistant’ or ‘lightweight.’ All of these descriptions sound beneficial! But what if the workers hand is too small for that handle, or because it is so lightweight it really does not do the job effectively? When the tool fits, or is the right tool for the job, there is less risk of injury or repetitive injuries to your employees. When tools get used improperly, a whole list of risks pops up. Your employees may develop carpal tunnel syndrome, tendonitis or muscle strain.

Here are some considerations from the National Institute for Occupational Safety and Health (NIOSH) to help you select tools that are ergonomically correct for the employee and the job:

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Preventing and Rehabilitating Injuries in the Workplace

Author in the Reduce Current Costs category

If you are like most people, you suffer an injury from time to time. No matter if it is as severe as a herniated disc, or as miniscule as a paper cut, it is still an inconvenience. Some minor injuries, like a paper cut, can simply be avoided by being a little bit more careful and maybe doing our work a little bit slower. While the same rule applies to preventing major injuries, they also require a little bit more work on our part.

The best ‘treatment’ for injuries is prevention. Good agility, technical skills, and cardiovascular and musculoskeletal fitness are important in injury prevention. In order to achieve all of these things, a multiphasic training regimen (training regimen consisting of multiple phases) should be used. A good multiphasic training program should include warming up and cooling down, the use of safe and familiar equipment, muscle strengthening exercises, cardiovascular exercises, and the training of neurophysiological functions (balance, coordination and reaction time). These are all essential in preventing injuries and they become increasingly important as you get older.

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Talking With A Doctor – Be Prepared

Author in the Reduce Current Costs category

Visiting a doctor’s office can make your injured workers nervous, impatient, or even scared. They may end up having only a few minutes with their health care provider. Later, they might remember something they forgot to ask, or they may forget what the doctor or nurse said. Being prepared can help them get the information they need. Here are some tips you can give to your injured workers to help them make the most of their doctor visit:

  • Make a list of their concerns, any allergies, and all the medicines, herbs or vitamins they may be taking
  • Provide a detailed description of their symptoms – when they started, what makes them better or worse
  • Bring a notepad – and use it
  • Have a trusted friend or relative to go with them

Make sure that your employee understands their diagnosis, any treatments they may receive, and encourage them to have their provider write down instructions. If they still have trouble understanding the different aspects of their injury, provide them with resources so they can gain the knowledge.

With all the work your company or business has to do, these issues may seem tough to handle. Proof:Positive can handle these issues for you. Proof:Positive can help monitor each injured employee’s case along with providing them with the knowledge and understanding of their injuries. Our Health and Wellness Rooms provide a platform for each injured employee to ask questions and help educate them on their injury and recovery. Proof:Positive has experienced medical staff in each room that can help your injured workers learn how to prevent, and recover from, their injuries. Contact us to see how we can help alleviate the worry and management of your injured workers.

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Workers’ Compensation is Not Insurance

Author in the Prevent Future Claims category

Too many employers believe that workers’ compensation is insurance. Premium rates, experience modifiers, claim reserves…this is not workers’ compensation. This is just a way to finance it.

Workers’ compensation was designed to ensure that injured employees have access to medical care and salary indemnification for work-related injuries. This system was established at a time when some employers maintained hazardous workplaces and abdicated their responsibilities to the injured worker.

Times have changed and our workplaces are much safer. But, many employers still neglect their duty to the injured worker when they do no more than purchase a workers’ compensation policy. Statute requires a system, not a policy.

So what goes into a workers’ compensation system?

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Costly Medical Errors – Surgery Is Not Always The Answer

Author in the Reduce Current Costs category

“Potentially preventable medical errors that occur during or after surgery may cost employers nearly $1.5 billion a year, according to new estimates by the Department of Health & Human Services’ (HHS) Agency for Healthcare Research and Quality (AHRQ).”

“In a study published in the July 28 issue of the journal Health Services Research, AHRQ’s William E. Encinosa, Ph.D. and Fred J. Hellinger, Ph.D., found that insurers paid an additional $28,218 (52 percent more) and an additional $19,480 (48 percent more) for surgery patients who experienced acute respiratory failure or post-operative infections, respectively, compared with patients who did not experience either error.”

The authors also found these additional costs for surgery patients who experienced the following medical errors compared with those who did not: More…

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Safety Programs – For a Healthy Balance Sheet

Author in the Prevent Future Claims category

The quality of an organization’s safety programs forecasts an employees’ likelihood of entering the workers’ compensation system. The time and resources invested in enforcing safe work practices reflect the employer’s commitment, not only to guarding an employee from workplace hazards, but to protecting them from the hazards of our workers’ compensation system.

Carefully-crafted programs embed the standards for a safe workplace into daily operations. Successful programs begin with employee selection, protection of employees through training and hazard controls, engage employees in the process, and support the employee in their return to work, should they become injured. A safety program with this scope, protects an injured employee from a sometimes arbitrary and disabling workers’ compensation system.

Strong safety programs are the foundation upon which supportive and enriching tools can be provided to the injured employee. This is also the bedrock upon which substantial cost savings and productivity gains are built. Successful companies have already discovered the value of a strong safety program. In fact, it is rare that an organization enjoys high margins and strong revenue, in absence of a strong safety program.

Building a strong safety program begins with management commitment. If an organization lacks in-depth knowledge of workplace safety, or needs an objective assessment of their current program, a comprehensive review is in order. Proof Positive will develop a blueprint for safety program success.

Remember: Safety program quality is a proxy for balance sheet health.

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Social Capital – Funding the Trust in Workers’ Compensation

Author in the Reduce Current Costs category

The workers’ compensation system is filled with complex relationships and competing agendas. It can be confusing or even exasperating for an employee who must navigate this system alone. Employees need an advocate they can rely on while in the workers’ compensation system.

The employer must be that advocate.

By investing in prevention and early return-to-work systems, an employer can create social capital – the trust or ‘good will’ needed to maintain relationships – even in difficult situations. The key is to select a talented employee health partner. Proof:Positive can help you make these systems your own, by involving employees during every step. Engaging employees in prevention and the return-to-work process builds trust and shuts down the avenues for over-treatment and litigation.

Ask yourself this question: Do we give a F.I.G. about our injured employees? Use this mnemonic device to assess your organization’s ability to maintain trust when an employee becomes injured and enters the workers’ compensation system.

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The Numbers Are In: Workers Compensation is Costly!

Author in the Prevent Future Claims category

Each day U.S. workers suffer injury, disability, and death from workplace incidents. According to the CDC, private-sector workers experience 11,500 nonfatal work-related injuries/illnesses each day; more than half of these injuries/illnesses require job transfer, work restrictions, or time away from their jobs as a result. Among all workers – public and private sectors – 9,000 workers are treated in emergency departments each day, and approximately 200 of these workers are hospitalized. In 2004, this resulted in an estimated 3.4 million nonfatal injuries and illnesses among civilian workers that were serious enough to be treated in hospital emergency departments. The prior year those injuries cost businesses like yours $554 Billion.

The workplace can be a dangerous place. But it doesn’t have to be. Having a safety plan or team can reduce the risks of injury. Also having a plan for the worker that does get injured will help save costs and time loss for your company. You need to guide your company to a safer and more educated environment that will pay for itself in reduced workers compensation claims. A full-service consulting consortium like Proof:Positive can aid in reducing and preventing workplace injuries, neutralizing fraud, and saving valuable insurance dollars; our mission is to reduce your company’s injury and illness costs.

We can help. But don’t take our word for it, check out some of our client testimonials, regarding how well our services worked for them. 

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Knowledge is Contagious – Give Your Employees the Forum to Learn

Author in the Reduce Current Costs category

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.

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