1. Workers Comp Overview & Accident Investigations
RCS Presentation

2. Overview What is risk management? Predators Red Flags Client Selection
Employee Orientation
Accident investigations

3. The Need for Risk Management
Staffing firms assume risk at the time a hiring decision is made and a job order is filled
Typically 2nd greatest expense
Cost containment becoming more critical

4. Goal of Risk Management . . .
Minimize exposure to loss
Reduce expenses related to loss
#1 cost containment strategy
Create advantage to sell at a more competitive price

5. Potential Predators
Applicants/Employees
Customers
Staffing Company

6. Fraudulent/Suspect Claims – Who files them?
Drug related individuals…………………………….70%
Criminals/Ex-cons…………………...60%
People earning close to minimum
wage………………..………………….90%

7. Summary of Possible Red Flags in Prescreen/Intake Phase
Unwilling to:
complete our intake materials
comply with substance abuse policy
release background history
Inquiries concerning:
drugs tested for
how far back criminal history will be checked
workers comp benefits
Lethargic, inattentive, indifferent
Gaps in work history
Many jobs in a short period of time (job hopping)
No work history
No references
Incomplete application

8. Client Selection Staffing services must consider the following:
View client as individual risk with opportunity for profit or loss
Ensure good assessment and understanding of the risks assumed
Decision is more than “filling job orders”
Decision extends your insurance coverage to client work sites

9. Client Selection Key areas of Client Qualification
Interview (communication and documentation)
Facility tour
Summary
Follow up

10. Employee Orientation General orientation General safety orientation
Staffing company’s concerns
Policies and procedures
General safety orientation
OSHA compliance
Industry hot topics
Client Site-Specific safety orientation
Task- and job-specific training

11. Accident Investigations
What do I do now?

12. We had an injury—now what?
An accident may be:
A workplace injury
An incident involving property damage
A near miss situation where no one was injured, but corrective action is needed to prevent future injuries

13. Purpose of an Investigation
Investigations should focus on:
Determining the actual cause of the incident
Dangerous conditions
Dangerous practices
Improper training
Determining the validity of the claim
Making recommendations for prevention

14. How soon should this be done?
Timeliness is critical for the following reasons:
Evidence may be changed or destroyed by normal work activity.
Witnesses will be more likely to give accurate accounts shortly after the incident.
Serious cases involve OSHA notification—Fed OSHA guidelines require notification in 8 hours when a fatality occurs at the worksite or if 3 or more employees are hospitalized from a workplace injury incident.

15. The OSHA Regulation
(a) Basic requirement. Within eight (8) hours after the death of any employee from a work-related incident or the in-patient hospitalization of three or more employees as a result of a work-related incident, you must orally report the fatality/multiple hospitalization by telephone or in person to the Area Office of the Occupational Safety and Health Administration (OSHA), U.S. Department of Labor, that is nearest to the site of the incident. You may also use the OSHA toll-free central telephone number, OSHA ( ).

16. Timeliness in reporting the claim to Corporate is also critical.
The Corporate Claims Department will need to report the claim to the insurance carrier in a timely manner to avoid penalties.
Getting the claims manager at Corporate and the claims professionals of the Insurance Carrier involved in the process gives us the full advantage of their experience and expertise before the claim gets out of control.

17. Corrective Actions
We should always conclude the investigation with recommendations for preventive measures to stop similar incidents from happening in the future.
Share these recommendations with employees and clients in an effort to provide a better workplace for our employees.

18. Accident Investigation Flow Chart

19. How does investigation tie in to Modified Duty?
The investigation does not stop at the incident scene, it may extend to the treating facility.
Determine work restrictions
Communicate with employee and treating facility
Be prepared with assignments
Monitor the work
Do you remember the two primary characteristics of a good modified duty assignment?

20. In Summary:
The goal of Risk Management is to minimize your exposure to loss.
Predators come in many different forms. Use risk management techniques to screen them out.
Red flags don’t necessarily equal red lights – just require further investigation.
Client selection is a process – don’t just accept any job orders.
Train employees during orientation on accident procedures.

21. In Summary:
An investigation should be done for all incidents that involve personal injury or property damage.
Near miss incidents are an opportunity for a quick investigation and recommendations to prevent an injury in the future.
Timeliness is critical.
Call Corporate for assistance anytime you have a question.
Special cases—a fatality or hospitalization of 3 or more workers is an OSHA reportable event.