1. SAFE 101 NSC Chapter 8 Worker’s Compensation

2. SOCRATIVE APP DOWNLOAD APP ROOM 966784 RESPOND TO QUESTIONS
IF NO SMART PHONE, USE PAPER & HAND IN AT END OF CLASS

3. HOMEWORK 3
Due Date: Wednesday February 19, 2014 Workplace audit form(s) 1. What are the benefits of using this form? 2. What are possible oversights of this form? 3. Using the example found as an example. CREATE an audit/inspection form to identify potential hazards in a classroom/building.

4. Objectives Explore economic losses due to injury
Defining Workers Compensation
Provide historic overview of compensation
Review primary objectives of WC
Benefits of WC
How WC is administered
Disability Classification
Managing workers compensation

5. What types of problems did workplace injuries cause?
Socrative Student App
Room #966784
What types of problems did workplace injuries cause?

6. ECONOMIC LOSSES Loss of earnings Additional expenses
Business Loss vs. Personal Loss
Additional expenses
Tax Revenue, Products, Services
Public Assistance

7. What Is Workers Comp.?
A “safety net” to alleviate the problems that workplace injury can cause, while providing employers some relative predictability of the costs that injuries will impose on the employer.
Lawsuits Against Employer
Fellow Servant Rule
Contributory Negligence
Assumption of Risk
EMPLOYEE LOST
EMPLOYER LOST

8. Disability vs. Loss of Man as a Whole
A fatality is < injury?
TRUE/FALSE

9. Early Laws WC HISTORY IN THE UNITED STATES
After the onset of the Industrial Revolution
1902: Maryland. Overruled
1908: Massachusetts. Dead from the start
1908: Federal WC act
1909: Montana (mining). Overrruled
1910: New York. Limited coverage
1911: Wisconsin. Finally!

10. History of Workers’ Compensation
0:40 - 6:36

11. WC OBJECTIVES Provide no-fault income and medical benefits
Provide a single remedy
Relieve charities of financial drain
Eliminate (?) lawyer fees and court costs
Encourage employer safety programs
Promote frank study of accidents

12. Benefits of Workers Compensation
Income Replacement
Replace lost wages
2/3 in most states = 66%
Medical Benefits
RTW and rehabilitation
ACCIDENT PREVENTION AND REDUCTION

13. WC IN THE UNITED STATES CURRENTLY:
All 50 states and territories have WC acts
Federal Employees’ Compensation Act (FECA) for federal employees
Acts for shipping and railroad

14. WC is better for EMPLOYEES than for EMPLOYERS?
IS WC FAIR?
WC is better for EMPLOYEES than for EMPLOYERS?
TRUE/FALSE

15. http://www.youtube.com/watch?v=ENjPBkntfcU 0:00 – 2:10
Smooth Criminals
0:00 – 2:10

16. LIMITATIONS WC laws were political compromise
Determining the extent of disability
EXCLUSIVE REMEDY
Fault free worker protection
Other sources of liability
Dual capacity doctrine
Intentional tort
Gross negligence

17. Workers’ Compensation
MAJOR CHARACTERISTICS
COVERED INJURIES
Personal injury
In the course of employment
Work
Premises?
‘an accident arising out of and in the course of employment’

18. Work place injury vs. Injury in Workplace
A Heart attack at work is a work related injury?
TRUE/FALSE

19. OCCUPATIONAL DISEASE
Not ordinary disease
Hearing
Black lung disease
Federal Black Lung Act 1996

20. HANDOUT

21. INCOME REPLACEMENT WC BENEFITS About 70% of wage subject to maximum
Maximum lengths
Waiting period

22. Maximum Length Member Lost Weeks of Compensation Arm 312 Leg 288 Hand
244
Foot
205
Eye
160
Thumb 75
First Finger 46
Second Finger 30
Third Finger 25
Fourth Finger 15
Great Toe 38
Other Toe 16

23. What Doctor is Legit?

24. WC BENEFITS REHABILITATION A primary goal
Training, education, testing, etc.
Issues of settlement strategy

25. ADMINISTRATION OBJECTIVES Agency supervisor Employee advocate
HANDLING CASES
Uncontested/contested

26. REHABILITATION Most return to work quickly
Up to 10% can be life-changing
Medical and vocational rehabilitation

27. Disability Classification
Temporary Total Disability (TTD)
Temporary Partial Disability (TPD)
Permanent Partial Disability (PPD)
Permanent Total Disability (PTD)
Whole Person vs. Wage Loss vs. Loss of Wage-Earning Capacity theories

28. Workers’ Compensation
INSURANCE BASIS AND INCENTIVES
Rating by business classification
Payroll basis
Experience modifier rate (EMR) - merit rating

29. MANAGING A WC PROGRAM Three goals: Prevent accidents Control costs
Respond to accidents promptly and efficiently
Hiring
First report of injury

30. Doctors and medical institutions Rehabilitation Follow-up!
MANAGING A WC PROGRAM
Doctors and medical institutions
Rehabilitation
Follow-up!

31. MANAGING A WC PROGRAM

32. Review Explore economic losses due to injury
Defining Workers Compensation
Provide historic overview of compensation
Review primary objectives of WC
Benefits of WC
How WC is administered
Disability Classification
Managing workers compensation