More than one-fifth (21 percent) of OSHA inspections stem from employee complaints, according to Safety/News Alert. The publication lists the top ten industries with workplace complaints to OSHA along with the number of complaints over a two year period: Roofing, Siding, & Sheet Metal Work, 904 United States Postal...

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Although workers’ compensation may seem complicated, only two factors affect your workers’ compensation costs: your employees’ job classifications and your experience modification factor. Rating bureaus publish rates for hundreds of different job classifications, shown as rate per $100 of payroll. These rates are based on the relative hazards of...

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Approximately 45 percent of people between the ages of 25 and 64 used a computer at work in 2010, reported the U.S. Census Bureau. Typing on a computer keyboard is probably the most common cause of carpal tunnel syndrome, a painful and potentially disabling condition. The following tips can...

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Let’s begin with some simple definitions. Subsidy-Based Insurance (SBI) is traditional insurance, insurance coverage where the carrier keeps about 35% of your premium and your business is thrown into a pool of other unknown business, often with a mixed if not problematic loss history. Your rate is determined by...

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When employers want to cut their workers’ compensation costs, they work on improving safety programs or training. But have you thought about improving your employee communications? Communications Before the Injury Communicating with employees before a claim occurs may cut workers’ compensation costs. Intracorp, a managed care company, conducted a...

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Performance Based Insurance focuses on the long term, a comprehensive safety strategy, controlling premiums swings, paying for small losses and insuring for the unlikely severe loss. Many companies will see annual savings of 25% to 50%, while maintaining dramatically improved control over their cash flow and premiums. Simply said,...

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Many years ago OSHA issued a list of 14 items that qualify as First Aid. If the incident required only the First Aid treatment, the case did not need to be recorded.  Yet we still see Connecticut businesses that are listing everything on their OSHA Logs. Just because an employee visits...

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Bob Phelan describes successful workers’ compensation programs in terms of a three sided triangle, with a focus on rehabilitating injured workers and returning them back to work: Safety Injury Management PerformanceBased Insurance™ Last year, Phelan recommended that a regional chain of nursing home facilities depart from a traditional subsidized...

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Performance Based Insurance offers a compelling ROI for many companies, and will transform the insurance landscape in the coming decade. Safety conscious companies will typically reduce their insurance premiums 25% to 50%. The best in class performers can reduce premiums more than 50%. Let’s look at an ROI scenario...

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Can you fire an employee from your business while they are out on a Workers’ Comp claim?  Yes…but be careful and cross all your t’s and dot all your i’s before you do! You can terminate a workers’ comp claimant as long as they are not protected by any...

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