Transcript Slide 1
Return-to-Work Controlling the hidden costs of workplace injuries Disclaimer: These safety materials, resources and PowerPoint® presentations are not intended to replace your company's health and safety policies or to substitute for specific state and federal standards. We do not guarantee the absolute accuracy of the material contained within these resources. Please refer to applicable state and federal standards for regulatory compliance. 1 Two Ways to Increase Profits 1. Increase sales 2. Reduce costs Return-to-work can help reduce costs associated with workplace injuries 2 What is Return-to-Work? Written policy Team effort Part of the benefits package 3 What’s in it for Employers? Maintain productivity Avoid paying overtime, finding temporary help or hiring someone new Control claim costs 4 Key Terms Base premium Payroll x rate Does not include experience modifier (E-mod) 5 Key Terms Experience modifier (E-mod) Adjustment in premium to reflect loss experience Actual Losses (Anytime Drillers) / Expected Losses (all drillers) = E-Mod 6 Accidents and the Bottom Line Payroll Rate Base premium E-mod Final premium Company A $1,000,000 $11.19 $111,900 1.20 (debit) $134,280 Company B $1,000,000 $11.19 $111,900 .80 (credit) $89,520 7 Accidents and the Bottom Line Company Base premium E-mod Final premium Projected 5-year cost X $100,000 1.0 $100,000 $500,000 Y $100,000 0.8 $80,000 $400,000 Z $100,000 2.0 $200,000 $1,000,000 8 What’s in it for Injured Workers? Therapy Experience and continued value Positive reinforcement Financial health 9 Key Terms Average weekly wage (AWW) Weekly wages earned during the 13 weeks immediately before work-related injury or illness Used to calculate workers’ compensation benefits 10 Key Terms Temporary income benefits (TIBs) Replace 70%* of injured workers’ lost wages State law sets minimum and maximum amounts *If employee earned less than $8.50 per hour before injury, TIBs replace 75% of lost wages for first 26 weeks 11 Key Terms Modified duty Alternative productive work injured employees can do while they recover Must comply with doctor’s restrictions 12 Financial Benefits for Injured Workers Scenario 1 Injured worker does not return to work AWW = $1,000 Total financial benefit (TIBs) = $700 ($1,000 x 70%) 13 Financial Benefits for Injured Workers Scenario 2 Injured worker returns to modified duty Earns half his or her AWW ($500) TIBS = $350 ($500 x 70%) Total financial benefit = $850 ($500 + $350) 14 Financial Benefits for Injured Workers In scenario 2: Injured worker earned $150 more than he or she would have without returning to work Employer got $500 worth of work from injured worker Insurance carrier paid $350 in TIBs 15 Average Weekly Wage (AWW) Injured worker modified duty earnings TIBs Injured worker total weekly comp/pay Weekly employer benefit in terms of work from employee 6-week employer (cost)/savings Weekly carrier loss 6-week carrier loss A $360 $0 $252 $252 $0 ($1,512) $252 $1,512 B $360 $180 $126 $306 $180 $1,080 $126 $756 C $1,000 $0 $700 $700 $0 ($4,200) $700 $4,200 D $1,000 $500 $350 $850 $500 $3,000 $350 $2,100 E $1,753 $0 $750 Max $750 $0 ($4,500) $750 $4,500 F $1,753 $877 $613 $1,490 $877 $5,262 $613 $3,678 16 Everybody Wins With Return-to-Work Employer retains a valued employee Injured worker earns more money, retains job skills and gets physical therapy Insurance carrier pays less in benefits (lower losses) 17 Steps in Return-to-Work Process Preinjury: Step 1. Put it in writing Step 2. Assess job tasks Step 3. Identify modified duties 18 Steps in Return-to-Work Process Post-injury: Step 4. Communicate Step 5. Make bona fide offer of employment 19 Step 1: Put it in Writing Write a policy statement Outline the steps Get it in employees’ hands 20 Step 2: Assess Job Tasks Document activities involved in each task Include physical demands Note time spent on each task 21 Download Form 22 Resources Sample physical demands task assessment for: Vac truck driver Roustabout Lease construction 23 Vac Truck Driver 24 Roustabout 3. Physical Demands Task Assessment Task title: Roustabout ______________________ 10 Task duration (hours/day): ______ 0/0/0000 Date: ______________ With breaks: Yes / No EH&S / Human Resources Analyst:____________________ 10 Overtime (avg. hours/week): ______ Cutting and threading pipe- Making connections utilizing pipe wrenches and vice – Some Task description: __________________________________________________________________ trenching or excavation by hand – Operating a motor vehicle - Lifting, carrying and placing materials – Bolting ________________________________________________________________________________ and unbolting flanged equipment. ________________________________________________________________________________ ________________________________________________________________________________ ________________________________________________________________________________ 1. Postures: Stand: Hours at one time: 0 Total hours per day: 0 1/2 1/2 1 1 2 2 3 3 4 4 5 5 6 6 7 7 8 8 8+ 8+ Hours at one time: 0 Total hours per day: 0 1/2 1/2 1 1 2 2 3 3 4 4 5 5 6 6 7 7 8 8 8+ 8+ 4. Equipment: Not present Occasionally 0% 0-33% Description______________ Walk: Hours at one time: 0 Total hours per day: 0 1/2 1/2 1 1 2 2 3 3 4 4 5 5 6 6 7 7 8 8 8+ 8+ Tools Machinery Equipment Drive: Hours at one time: 0 Total hours per day: 0 1/2 1/2 1 1 2 2 3 3 4 4 5 5 6 6 7 7 8 8 8+ 8+ Sit: 2. Lifting/carrying Not present 0% 1-10 lbs 11-20 lbs 21-50 lbs 51-100 lbs > 100 lbs 25 Actions and motions: Not present Occasionally 0% 0-33% Description______________ Pushing X Pulling X Climbing X Balancing X Bending X Twisting X Squatting Crawling X Kneeling X Reaching X Handling Fingering Feeling X Repetitive: hand motion foot motion Occasionally 0-33% Frequently 34-66% Constantly 67-100% Height of Lift Distance of Carry___ X X ________ Waist ________ ________ Shoulder ________ ________ _________ 10-30 ft. _________ _________ 10-30 ft. _________ _________ X 5. Environmental conditions: Not present Occasionally 0% 0-33% Description______________ Frequently 34-66% Constantly 67-100% X X X _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ _________________________ X X _________________________ _________________________ Frequently 34-66% X Frequently 34-66% Constantly 67-100% X _________________________ _________________________ _________________________ Constantly 67-100% Vibration X _________________________ Noise X _________________________ Extreme heat X _________________________ Extreme cold X _________________________ Wet/humid X _________________________ Moving parts X _________________________ Chemicals X _________________________ Electricity X _________________________ Radiation X _________________________ Other _________________________ are generally performing a medium duty, skilled labor job on a daily basis. Comments: Employees _______________________________________________________________________ Lease Construction 26 Step 3: Identify Modified Duties Identify tasks injured workers can do to help team Ask employees to help Make it meaningful 27 Step 4: Communicate With Doctor DWC Form-74, Description of Injured Employee’s Employment DWC Form-73, Work Status Report 28 Download DWC Form-74 29 Download DWC Form-73 30 Step 5: Make a Bona Fide Offer Must be in writing Must comply with DWC Rule 129.6 What if worker’s restrictions change? 31 Download checklist 32 Download sample bona fide offer of employment letter 33 Download and submit DWC Form-6 when the employee’s wages change 34 Resources Return-to-Work Kit TDI return-to-work resources Return to table of contents Go to next presentation 35