{"id":12964,"date":"2022-01-01T16:48:19","date_gmt":"2022-01-01T16:48:19","guid":{"rendered":"https:\/\/insulation.org\/io\/?post_type=articles&#038;p=12964"},"modified":"2022-01-28T16:48:31","modified_gmt":"2022-01-28T16:48:31","slug":"workers-compensation-claims-what-gets-measured-gets-done","status":"publish","type":"articles","link":"https:\/\/insulation.org\/io\/articles\/workers-compensation-claims-what-gets-measured-gets-done\/","title":{"rendered":"Workers&#8217; Compensation Claims: What Gets Measured Gets Done"},"content":{"rendered":"<p><a href=\"https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-12939\" src=\"https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01-300x205.jpg\" alt=\"\" width=\"300\" height=\"205\" srcset=\"https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01-300x205.jpg 300w, https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01-1024x700.jpg 1024w, https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01-768x525.jpg 768w, https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01-1536x1050.jpg 1536w, https:\/\/insulation.org\/io\/wp-content\/uploads\/sites\/3\/2022\/01\/IO220102_01.jpg 1547w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<p><strong>\u201cWhat Gets Measured Gets Done\u201d<\/strong> could be a mantra for employers who want to not only improve their safety statistics but also reduce their overall claims costs by tracking and analyzing their workers\u2019 compensation claim results and outcomes.<\/p>\n<p>The following information could be part of the data an employer can capture from workers\u2019 compensation claims filed, along with examples of how that data may be used.<\/p>\n<ul>\n<li><strong>What day of the week are the majority of the claims occurring?<\/strong> For example, if most of the incidents are occurring on Monday mornings, consider a stretch-and-flex exercise program before work starts to get everyone loosened up after their 2-day weekend.<\/li>\n<li><strong>Is there a specific time of the year when incidents occur?<\/strong> If your business has a busy season, when employees are working more overtime hours than is typical, evaluate the impact of those extra hours on those employees. Can the schedule be reevaluated?<\/li>\n<li><strong>What are the nature and causes of the incidents?<\/strong> Once the root cause is identified (e.g., an unsafe condition or an unsafe act) for each incident, determine next steps and target dates for improvement. These action plans may be shared with other groups as a \u201clesson learned\u201d topic for discussion. No blame and no names should be provided\u2014just a sharing of information so that someone else may avoid a similar injury.<\/li>\n<li><strong>Was the incident preventable or non-preventable?<\/strong> This is a good statistic for an<br \/>\nhonest look at all the reasons why on-the-job injuries are occurring. As we all are aware, accidents\/incidents can occur, but the goal is to stop incidents that could have been prevented.<\/li>\n<li><strong>What is the age of the injured worker?<\/strong> Is there a trend? What changes may be implemented for increased safety and awareness?<\/li>\n<li><strong>What is the tenure of the injured worker?<\/strong> Is it the newer workers or the more tenured workers who are getting injured, and why? What steps can be taken? Consider engaging the field workers in these discussions.<\/li>\n<li><strong>Is there a particular trade that is having more injuries than the other trades?<\/strong> If yes, why? What can be done to focus on fewer incidents?<\/li>\n<li><strong>Track all lost time days associated with an on-the-job injury.<\/strong> If the treating physician has the employee off work, an employer can challenge that decision by offering modified\/light-duty work. Work through and involve the assigned claims adjustor.<\/li>\n<li><strong>Track the number of modified\/light-duty days worked.<\/strong> Implementing a proactive return-to-work program is key to claims costs savings. The practice also has a positive impact on employees who may have been injured on the job and are worried about losing income while they are healing.<\/li>\n<li><strong>Is the injury determined to be OSHA recordable (yes or no)?<\/strong> OSHA statistics for an employer may impact your insurance premiums. There can even be an impact on an employer\u2019s ability to bid work.<\/li>\n<li><strong>Who was supervising the worker when the injury occurred?<\/strong> If the same superintendent or foreman is involved with numerous workers\u2019 compensation injuries, it may be worth a training session and\/or discussion as to why.<\/li>\n<li><strong>Ask your insurance broker for an actuarial comparison of your claim experience against similar employers. Capture the following:<\/strong><br \/>\n\u2022 What is the average cost per claim?<br \/>\n\u2022 How much do the medical-only claims cost compared to the lost-time claims?<br \/>\n\u2022 What are the total claim counts?<br \/>\n\u2022 How many manhours are being worked in comparison to the number of total workers\u2019 compensation claims being filed?<\/li>\n<li><strong>Capture incident\/accident severity.<\/strong> This information can be broken out by category. For example:<br \/>\n\u2022 Category 1\u2014minor first aid on site<br \/>\n\u2022 Category 2\u2014clinic visit with minor treatment<br \/>\n\u2022 Category 3\u2014clinic visit with physical therapy<br \/>\n\u2022 Category 4\u2014hospitalization (may even include fatalities)<\/li>\n<\/ul>\n<p>Since most states\u2019 experience modification rates look at the prior 4 years of claims history, a 5\u2011year snapshot may be helpful in identifying trends. Many claims\/risk management software packages allow the user (employer) to easily capture statistics such as those listed above. When an incident occurs, it is considered \u201cgreen\u201d or undeveloped. Then, as the claim progresses toward closure. it becomes developed. It is a good measurement to look at the snapshot of the data at the same point in time\u2014such as when each claim was opened and at 6, 12, and 18 months\u2014and see what the statistics show.<\/p>\n<p>Identifying trends, however, is just the beginning. Change starts from the top down. Management support is critical as the entire organization gets energized and on board with goals for improvement. Commitment, flexibility, and adapting to making necessary changes are also key.<\/p>\n<p><em>Disclaimer: This article is provided for educational purposes. We encourage you to consult with an expert for your unique considerations.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Capturing data on workers\u2019 compensation claims and outcomes can help a company identify trends and opportunities to increase worker safety and lower claims costs.<\/p>\n","protected":false},"author":[558],"featured_media":0,"template":"","categories":[556,557],"class_list":["post-12964","articles","type-articles","status-publish","hentry","category-556","category-january-2022","author-vicki-simpson"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.0 (Yoast SEO v24.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Workers&#039; Compensation Claims: What Gets Measured Gets Done - Insulation Outlook Magazine<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insulation.org\/io\/articles\/workers-compensation-claims-what-gets-measured-gets-done\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Workers&#039; 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