Page 1 Serious Injury Overview June 2011 Data Source: ODW and BIA Datamart May 2011

Page 2 Overview The purpose of this presentation is to provide a high level overview of Serious Injuries in BC, including:  Rationale for Serious Injury Measure  Serious Injury Definition  Costs and Days Lost from Serious Injuries  Serious Injury Rate  Serious Injury Volumes and Percent Contribution to All Claims  Claim Characteristics for Serious Injuries  Sector Overview of Serious Injuries

Page 3 Rationale for the Serious Injury Measure Why a Serious Injury Measure? The overall injury rate treats all time loss claims the same. It is important that we reduce injuries most responsible human suffering and WorkSafeBC’s financial costs. To do this, we need a measure to target and monitor. The goal was for the Serious Injury measure to be timely, relevant, and inclusive yet focused. Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors

Page 4 Serious Injury Definition A claim is considered a Serious Injury claim if at least one of the following is met: Long Duration (wage loss of 28 or more days) High Health Care Costs Fatality Serious Medical Diagnosis Note also that Serious Injury claims must receive a first-payment in the month of injury or the three months following. Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors

Page 5 Cost and Days Lost from Serious Injuries ( – All BC) Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors Serious Injury claims incurred between 2006 and 2010 represented 34% of claims, but 91% claim costs and 86% of the days lost. Notes: Claim Costs are based on Fully Reserved Claim Costs(“FRCC”). FRCC costs include early estimates of the 2010 FRCC. FRCC (fully reserved claim costs): reflects the total raw past payments and the estimated future liabilities (average actuarial abstract) for the identified claims. Claim Counts, Total Days Paid to date, and Average FRCC are rounded to the near thousand; total FRCC is rounded to the nearest million. ‘Days lost’ refers to STD Days Paid to Date: The number of short term disability days that have occurred to date on claims incurred in the five year period. This amount will potentially increase over time.

Page 6 Serious Injury Rate – All BC Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors The Serious Injury Rate is estimated to be 0.82 in Overall, the Serious Injury Rate decreased 27% in the last 10 years, but increased by around 4% in The 12 month rolling Serious Injury Rate figures have been slowly increasing since February 2010 after a drop in All BC: Rateable Sectors Serious Injury Rate reflects the number of Serious Injury Claims in a given year divided by the number of Person Years in a given year, multiplied by 100.

Page 7 Serious Injury Volumes and Contribution to Claims ( – All BC) After a 16% decrease in 2009, the number of Serious Injuries increased by 4% in The percentage contribution of Serious Injuries to all time loss claims has increased from 32% in 2007 to 38% in Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors % Serious Injury: Number of Serious Injury Claims divided by the number of Non-Health Care Only claims first paid in the month of injury or in the following three months Total: 90,318

Page 8 Claim Characteristics: Serious Injuries by Accident Type ( – All BC) Volume and % Contribution to Serious Injuries MSIs (ergonomic incidents) contribute most to the Serious Injury volume. Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors Total: 90,318

Page 9 Claim Characteristics: Serious Injuries by Accident Type ( – All BC) Percentage of Claims that are Serious Injuries for the Most Frequent Accident Types 46% of Claims due to a Fall from an Elevation are Serious Injury Claims. Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors

Page 10 Claim Characteristics: Serious Injuries by Injury Type ( – All BC) Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors 58% of Serious Injuries are back strains or other strains. Total: 90,318 Volume and % Contribution to Serious Injuries

Page 11 Claim Characteristics: Serious Injuries by Injury Type ( – All BC) Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors Over 90% of fractures result in Serious Injuries, whereas 16% of cuts result in Serious Injuries. Percentage of Claims that are Serious Injuries for the Most Frequent Injury Types

Page 12 Claim Characteristics: Serious Injuries by Occupation Type ( – All BC) Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors Motor Vehicle drivers, trades helpers and support occupations in health services have the most Serious Injuries. Percentage Contribution to Serious Injuries by the Top Occupations

Page 13 Claim Characteristics: Serious Injuries by Age ( – All BC) Percentage of Claims that are Serious Injuries Serious Injuries comprise a greater percentage of claims with increases in age. Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors

Page 14 Claim Characteristics: Serious Injuries by Gender ( – All BC) Since 2006, the percentage contribution to Serious Injuries for males has decreased, and for females it has increased. Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors

Page 15 Serious Injuries by Sectors ( ) Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors The Service Sector has the greatest volume of Serious Injuries, while time loss claims in the Primary Resources sector have greatest propensity to be a Serious Injury. All BC # Serious Injuries - 90,318 % Serious Injury - 34%

Page 16 Appendix A: Frequency of the Serious Injuries Across Components in the Definition ( – All BC ) Rationale Definition Cost of Serious Injuries Serious Injury Rate Volumes Claim Characteristics Sectors 5.8% Component 1: Long Duration (28 days or more) Component 2: High Health Care Costs 14% (12,900) of the Serious Injury claims meet this criterion. If the Serious Injury Definition did not have the High Health Care Cost component, it would capture 99% of the claims under the current definition. Component 4: Serious Medical Diagnosis – select ICD9 Codes 68.5% 11.0% 6.0% 0.9% 0.6% 6.9% The Long Duration component has the greatest impact on the Serious Injury volume. 92% (83,500) of Serious Injury claims meet this criterion. If the Serious Injury Definition did not have a Long Duration Component, it would capture 31% of the Serious Injuries under the current definition. 25% (22,200) of Serious Injury claims meet this criterion. If the Serious Injury Definition did not have the High Health Care Cost component, it would capture 94% of the claims under the current definition. Notes: Some of the areas may not be in exact proportion to the percentage figures Numbers are rounded to the nearest hundred