Posts Tagged "work-related injuries"

Workplace Risk: How to Prevent Employee Injuries before They Happen

Posted by on Oct 1, 2015 in News | 0 comments

More than one million Americans suffer from work-related injuries each year, ranging from serious crushing injuries at a construction site to muscle or joint problems caused by repetitive activities in an office setting. Workplace injuries can also be costly to both the person injured and the employer. Most employees do not receive their full pay while in recovery, and, according to the National Safety Council, employers pay an average of $40,000 per injury. In addition to the $1 billion the U.S. Department of Labor estimates employers pay annually in direct medical and workers’ compensation costs, businesses incur several indirect costs when an employee is injured. These expenses can include training for replacement employees, accident investigations and corrective actions, repurchase or repair of damaged equipment or property, absenteeism and more. Helping employees avoid injuries before they occur is always the best course of action, but when workplace injuries do happen, employers should have a prepared plan that helps employees recover as safely as medically appropriate and manages costs for all parties involved. Early medical intervention is one approach that can make a difference for the injured employee and the business. Delaying either the reporting or treatment of a workplace injury can increase costs by more than 50 percent, according to a new study by the National Council on Compensation Insurance. When an employee is injured, he or she should promptly identify the injury and work with his or her employer to establish the best plan of care. This will help reduce recovery time and lower the costs associated with the injury. Travelers developed a patented program called ConciergeCLAIM Nurse to provide injured employees with live, face-to-face engagement with a Travelers on-staff nurse who can answer their questions, guide them through the workers’ compensation claim process and assist them with that process throughout their recovery. Because many injured employees come to urgent care clinics as a result of their first on-the-job accident, the Travelers ConciergeCLAIM Nurse program places nurses in select urgent care clinics operated by U.S. HealthWorks or Concentra in more than 50 locations across the country. After the employee has met with the clinic’s doctor, the Travelers nurse reviews the treatment plan and develops a comprehensive return-to-work focused recovery plan. This process includes: * Clearly setting expectations about the claims process in order to reduce uncertainty, anxiety or fear; * Assisting the employee with information he or she may need about the medical treatment plan developed by the clinic’s physician; and * Using the nurse’s medical knowledge to help facilitate the care suggested by medical providers. This help can also lead to faster and more accurate claims and claims-payment decisions. Over a three-year period, workers’ compensation cases using this approach reduced the number of days injured employees were out of work by 41 percent. The number of days it took them to recover from their injury and close their claim fell by 31 percent. For all the preventive measures employers put in place, workplace injuries may be inevitable, no matter the type of business or line of work. Among the uncertainties associated with such injuries, one thing is clear: reporting and treating them early is vital to reducing the pains they inflict on both the employee and the...

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Texas Work-Related Injuries: What You Need to Know

Posted by on Feb 26, 2015 in News | 0 comments

As a business owner, I’m sure you will agree that work related injuries are every company’s worst nightmare. Why do they happen and what can you do as an employer to help eliminate them? Education. Thankfully, TDI and OSHA have provided the resources to assist employers with job-safety tips and training. The TDI-DWC is a division of TDI which collects information for the purpose of assisting employers, policy makers, and safety professionals with identifying occupational safety and health issues conducted a survey.  The latest stats available are from the Bureau of Labor Statistics (BLS) in a survey from 2011 about occupational injuries and illness.  It was confirmed in this survey that private industry employers had less work-related injuries with a rate of 78.7 percent with days away from work per 10,000 full-time employees in the same industry.  This is a decrease from the 2010 rate of 79.5 and even lower than the national rate of 105. Here is a chart from that survey comparing work related injuries and the types of injuries over a three year period: 2009 2010 2011 Away from work 60,240 56,720 57,20 Nonfatal occupational injuries & illnesses 81.2 79.5 78.7 Incidents non-fatal 8 9 9 Median days away As you can see, one important measurement was the severity of injuries and how many days away from work.  Also something to note is the stats were the same for 2010 and 2011. The TDI-DWC released numerous reports about work-place safety in November of 2012 which showed there were 96,642 non-fatal injuries and illnesses in 2011. Another report accompanied this report that encompassed illnesses, characteristics of employees and injuries. The TDI-DWC also provides safety and health consultations on OSHA regulations in addition to conducting surveys to assist employers with job safety which includes regional and on-site training, health and safety publications, training videos, and employer guidance for return to work programs. This is why it is vital to be involved in your company’s risk management programs – don’t be a statistic. It is also important to remember that your insurance company and agent are ready to help you with managing work-place related injuries and mitigating risk. Along with help from your insurance agent, TDI and OSHA, there really is no reason your company can’t increase on the job safety and reduce work-related injuries. When looking for an insurance agency to help you, keep in mind that they should be more than just an agent, they should be available to walk you through even the unforeseen risks. They should help provide you and your staff with all the tools available for mitigating work-place safety....

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