Workers’ Compensation Claims Analysis and Prevention Independence School District

Total Cost of Work Comp Claim Direct Costs + Indirect Costs = True Cost

Direct Costs Medical Lost Time Disability Legal Costs

Hidden Cost of Risk Lost time of injured worker. Time lost of other employees who stop work to help. Executive time preparing reports and training a replacement. Damage to machines or other property. Continued wages of employee who cannot work at full potential after return. Costs from excitement or weakened morale.

If I had done this, that would not have happened Only one party is required to break the chain!! Contributing Factors 5

ISD claims experience

Per Claim Average

How insurance costs work Premiums paid by members must contain two costs: 35 % 65 % Fixed Costs Administration Claims handling Risk Control Variable Costs Claims

Experience Modification Factor ISD Mod

Premium Projections for ISD

Recommendations 1)Establish a ZERO CLAIM philosophy that is clearly communicated. 2)Have Superintendent communicate at staff orientation that ISD emphasizes a Safety Culture. “We want you to come to work safe, work safe while here, and return home safe.” 3)All serious claims will be investigated by the top building administrator/or person in charge including visit to location of claim with claimant and safety officer, interview claimant asking them how their injury could have been prevented, and express concern over employee’s condition. 4)Communicate cumulative claims experience to all employees via and intranet website or other medium. 5)Ask employees to report all near misses and keep a log.

Metro Area School District Independence School District

Metro Area School District Independence School District

Metro Area School DistrictIndependence School District

GOALS & OBJECTIVES 1.Reduce the average cost per claim for Reduce the number of claims by 10% for Implement detailed analysis of every injury 4. Communicate the current data to all employees 5.Establish program to track near misses 6.Reduce the experience modification factor to by 20 points