MEMIC Safety Blog

Does Your Business Have An Effective Injury Management System?

 Posted by Hartley Webb

Operating a business is never easy, but is especially challenging in a difficult economy.  This should lead management to identify cost control methods.  Workplace injuries are extremely expensive when both the direct and indirect costs are considered.  An injury management system can help limit these costs while assisting injured employees return to the workforce.   I’ve worked as a MEMIC safety management consultant since 1993, and I still see businesses that do not have effective injury management systems. 

An effective Injury Management System consists of the following:

1. Knowledge of loss experience (injury cause, injury type, body part).
2. Identify and meet with a local preferred medical provider who can treat occupational injuries and illnesses; establish a working relationship with a shared return-to-work philosophy.
3. Detailed job descriptions (that include physical tasks required) that can be used to communicate job requirements to the medical provider.
4. A written plan that identifies the employer and employee responsibilities regarding injury reporting, claim filing, preferred medical provider use, return-to-work guidelines, and communication with injured employees during treatment and restricted duty. 
5. Identify alternate duty job activities available in the event an injury occurs.
6. Documented injury management system training to include specific employee responsibilities.

OSHA has developed a “$afety Pays Program” that includes an injury cost estimator.  This tool can provide convincing evidence of the importance of an effective Injury Management System. 

Hiring Practices That Make Smart “Cents” for Safety

 Posted by Greg LaRochelle

As the sluggish economy begins to heat up rendering a more favorable business climate, cost conscious employers looking to grow their workforce need to be even more vigilant to their hiring practices.  The search for a suitable fit can be an exhaustive exercise for a small business owner as well as for an HR professional in a large corporation.  Finding and hiring the right person demands that safety be at the forefront of the decision-making process.  Here’s why:

According to the Business & Legal Reports safety website, workplace injury statistics reveal that new employees are 5 times more likely to experience a lost-time injury in the first month of employment compared to the experienced worker.  Additionally, studies show that 40 percent of all workers injured on the job have been at it less than a year.  

 Given these facts, ensuring the safety of the “newbie” is of utmost importance, particularly where a business’s greatest asset is its people.  Equally, smart hiring practices and new employee safety orientation translate to preservation of the bottom line.

Proactive loss control measures in hiring should include:

• Post-offer, pre-placement physical exams, especially for physically demanding job positions.
• Written job descriptions that detail the physical aspect of the work tasks. 
• New employee orientation and training on the equipment and tools associated with the job, emergency evacuation routes, location of first-aid kits, MSDSs, and items such as fire extinguishers. 

Most occupational health providers offer pre-placement physicals for a nominal fee. These are designed to determine the functional capacity of the individual.  The written job description stipulating physical demands can also be used in determining light duty activities for an injured employee with temporary work restrictions. 

Use of an orientation checklist while showing the new hire the safety features of the workplace can serve as documentation of the facility safety tour. 

As a timesaver, MEMIC has assembled a number of training checklists including an employee safety orientation form in the on-line MEMIC Safety Director resource library.  (Note: MEMIC Safety Director requires user registration and is exclusively for MEMIC customers.) For additional resources on hiring practices, click on the Human Resources link under the bold heading Action Plans on the Safety Director’s home page. 

Why Establish a Return to Work Policy?

Employers of all sizes need to pay attention to safety and the cost of workplace accidents, as well as their bottom line. While accident prevention is the best way to reduce overall injury costs, an effective Return to Work (RTW) Program is the best way to manage the cost of claims that do occur.

The longer an employee is away from the workplace due to injury, the higher your claim cost will be. Additionally, you will incur indirect costs associated with lost productivity, overtime, decreased morale, and the costs of hiring and training a new employee if you must replace the injured employee.

The essence of the RTW program is early assistance in helping injured employees return to work as soon as possible. Research posted by the New York Workers’ Compensation Board has shown that there is only a 50% chance that an injured employee will return to work after a six month absence and only a 25% chance following a one-year absence.

Early outreach and assistance allow the injured employee to maintain a positive connection to the workplace, and can alleviate fears, concerns and frustrations experienced by an employee following a workplace injury.