1. 2014 Results and Process Review NBANH February 2015

2. Confidential – Not for Distribution Agenda Claim Volume and Profile 2014 Highlights Rate and Premiums Claims and Costs Claim Duration and Days Paid Claim Reporting and Offer of Modified Duties Program Review Discussion

3. Confidential – Not for Distribution Claim Volume & Profile 744 claims processed of which 398 were accepted by WorkSafeNB (265 LT vs. 133 NLT) 44 objections to claims; successful in 54% and 16% still pending a decision 80% of claims are soft tissue injuries where 60% are sprains/strains. Remaining 20% includes Fractures, burns, concussion, etc. $1.3-million in claim costs; 94.5% of all costs are associated with lost time claims, 5.5% results from no lost time claims

4. Confidential – Not for Distribution 2014 Measurable Outcome vs. 2013 results Decrease in lost time claims9% Reduction in lost time claim costs6% Decrease in total annual days paid by WorkSafeNB8% Reduction in average claim duration-0.5% Decrease in compensation rate (group rate)14% Highlights In 2014 (over 2013), there was further improvement in all areas except average claim duration. Although we anticipate a year over year improvement in your measurable outcomes, the level of change was negatively impacted by various homes not following proper claims management process. vs. 2012 results 19% 31% 44% 31% 48%

5. Confidential – Not for Distribution Rate and Premiums 2015 rate vs. 2012: 48% reduction 2015 rate vs. 2014: 14% reduction 2014 premiums paid vs 2013: $1.6M less Cummulative reduction in premiums paid for 2013-2015: exceeds $11.8M

6. Confidential – Not for Distribution Claims and Costs 2014 vs. 2012 (year prior our program) 28% reduction of Total Claim Costs 19 % decrease in loss time claims

7. Confidential – Not for Distribution Claim Duration and Days paid 2014 vs. 2012 (year prior our program) 44% decrease in days paid by WorkSafeNB 31% decrease in claim duration

8. Confidential – Not for Distribution 8 Morneau Shepell & NBANH Program Review

9. Confidential – Not for Distribution Areas of Improvement Offer modified duties immediately Earlier referral to physiotherapy (not after adjudication) No referral to unauthorized physiotherapy clinics Report claims to Morneau Shepell immediately Morneau Shepell should be doing all file reviews, objections and claim management Only Morneau Shepell should be in direct contact with WSNB Confusion with worker’s salary/wages

10. Confidential – Not for Distribution Claim Reporting and Offer of Modified Duties 63% of claims were not sent to Morneau Shepell within the targeted 0-3 day timeframe Lost time claims were sent on average 12.0 days after the work accident (10.3 days adjusted for outliers) Claims with no lost time were sent on average 19.6 days after the work accident 17% of claims were sent more than 2 weeks after the work accident

11. Confidential – Not for Distribution Claim Volume, by Type Measuring the Number of Workplace Incidents NBANH Process: Employer (simplified) Late offer of modified duties Appropriate physio referral process should be followed Late claim reporting to Morneau Shepell Nursing homes doing their own file reviews, objections, claims management Not all information being sent to Morneau Shepell Some homes in direct contact with WSNB

12. Confidential – Not for Distribution Claim Volume, by Type Measuring the Number of Workplace Incidents NBANH Process: Employee (simplified) Worker does not participate with modified work ↓ Nursing home does not pay the worker ↓ Nursing Home contacts Morneau Shepell Immediately

13. Confidential – Not for Distribution Claim Volume, by Type Measuring the Number of Workplace Incidents Form 6/7 Send to WorkSafeNB and Morneau Shepell within 0-3 days max. Contact Person: MORNEAU SHEPELL If WSNB calls you: Refer them to us Comments: EVERYTHING. Description Employee’s version Employer’s version Slip & fall: Snow removal company Relevent past claims, history Page 2: Fill it out WorkSafeNB needs it even if the worker is on modified duties

14. Confidential – Not for Distribution Claim Volume, by Type Measuring the Number of Workplace Incidents Offer of Modified Duties Employee cannot continue with regular duties ↓ Immediate offer of modified duties and referral to physiotherapy (You do not need to wait for the physio to initiate the return to work) ↓ Readjust the offer based on the physiotherapist’s recommendation (A worker at work gets his full wages) ↓ Report to Morneau Shepell Unsure? ↓ Contact Morneau Shepell Immediately

15. Confidential – Not for Distribution Wages An employee on modified duties has to receive full wages (full pay). An employee who is ordered by physiotherapist (PT)to only work reduced hours still get full wages (full pay). Employee not participating as per the schedule (following PT’s recommendation) does not get paid: Contact Morneau Shepell immediately If a worker’s schedule varies (part time, occasional, full time but with occasional overtime, etc) you need to offer the average hours/shifts worked in the 4 weeks prior the work accident.

16. Confidential – Not for Distribution Claim Volume, by Type Measuring the Number of Workplace Incidents Process: Flowchart

17. Confidential – Not for Distribution Discussion & Questions

18. Confidential – Not for Distribution Thank You! Rick MahoneyMaurice St. Pierre rmahoney@morneaushepell.commstpierre@morneaushepell.com Christine McAleese cmcaleese@morneaushepell.com