Transcript Slide 1
Return-to-Work
Controlling the
hidden costs of
workplace injuries
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Two Ways to Increase Profits
1. Increase sales
2. Reduce costs
Return-to-work can help reduce
costs associated with workplace
injuries
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What is Return-to-Work?
Written policy
Team effort
Part of the benefits package
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What’s in it for Employers?
Maintain productivity
Avoid paying overtime, finding
temporary help or hiring someone new
Control claim costs
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Key Terms
Base premium
Payroll x rate
Does not include experience
modifier (E-mod)
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Key Terms
Experience modifier (E-mod)
Adjustment in premium to reflect loss
experience
Actual Losses (Anytime Drillers) /
Expected Losses (all drillers) =
E-Mod
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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
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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
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What’s in it for Injured Workers?
Therapy
Experience and continued value
Positive reinforcement
Financial health
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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
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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
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Key Terms
Modified duty
Alternative productive work injured
employees can do while they recover
Must comply with doctor’s restrictions
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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%)
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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)
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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
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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
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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)
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Steps in Return-to-Work Process
Preinjury:
Step 1. Put it in writing
Step 2. Assess job tasks
Step 3. Identify modified duties
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Steps in Return-to-Work Process
Post-injury:
Step 4. Communicate
Step 5. Make bona fide offer of employment
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Step 1: Put it in Writing
Write a policy statement
Outline the steps
Get it in employees’ hands
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Step 2: Assess Job Tasks
Document activities involved in each task
Include physical demands
Note time spent on each task
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Download Form
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Resources
Sample physical demands task
assessment for:
Vac truck driver
Roustabout
Lease construction
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Vac Truck Driver
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Roustabout
3.
Physical Demands Task
Assessment
Task title:
Roustabout
______________________
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Task duration (hours/day): ______
0/0/0000
Date: ______________
With breaks: Yes / No
EH&S / Human Resources
Analyst:____________________
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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
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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
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Step 3: Identify Modified Duties
Identify tasks injured workers can do to
help team
Ask employees to help
Make it meaningful
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Step 4: Communicate With Doctor
DWC Form-74, Description of Injured
Employee’s Employment
DWC Form-73, Work Status Report
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Download
DWC Form-74
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Download
DWC Form-73
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Step 5: Make a Bona Fide Offer
Must be in writing
Must comply with DWC Rule 129.6
What if worker’s restrictions change?
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Download
checklist
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Download
sample bona
fide offer of
employment
letter
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Download and
submit DWC
Form-6 when
the employee’s
wages change
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Resources
Return-to-Work Kit
TDI return-to-work resources
Return to table of contents
Go to next presentation
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