Archive for the ‘Workers’ Compensation’ Category

2011 Human Resources Updates – Special Report

Wednesday, January 5th, 2011

As we begin 2011, many employers are entering the new year with renewed, yet reserved, optimism. While unemployment remains unchanged, December sales figures beat all analysts predictions, Wall Street is at two-year highs, and the SBA increased small business loans in Q4 2010 to unprecedented records. During the single week of Dec. 18 to Dec. 24, the SBA guaranteed a record high of $1.95 billion in small business loans – the highest amount since the SBA began tracking weekly loan volumes.

On the employment front, many employers hold no hard feelings letting 2010 go. It was one of the most active legislative years on recent record, and while 2011 has many new regulations in store, in won’t compare to the previous year. However, while many business owners may be suffering from “governmental overload”, there are still some significant changes in store of which they should still be aware.

2011 Human Resources Updates

We are proud to announce the availability of our newly published report, 2011 Human Resources Updates. This important report takes a snapshot-view of many timely issues facing employers in 2011. Topics include:

  • New 2011 Employment Laws
  • Staying up to date with Health Care Reform
  • 2011 Payroll and Tax Updates
  • Employee and Management Training
  • Recruiting – what lies in store in 2011
  • Creating a safe work environment
  • Managing in the age of social media.

While most employers would rather look towards new sales revenues and improving financials, it is extremely important to remain aware of legislation that could impact their business in 2011.

Download your free copy of CPEhr’s 2011 Human Resources Update Report today. No registration required!

Four Safety Basics to Keep Workplace Injuries – and Costs – to a Minimum

Thursday, November 4th, 2010

The Workers’ Compensation Insurance Rating Bureau (WCIRB) has recently requested a substantial increase in Workers’ Compensation rates.  In order to help contain Workers’ Compensation insurance costs, it is vital that employers focus on injury prevention and workplace safety.  Here are some tips that can be used to help keep employees safe and Workers’ Compensation costs down:

1. Implement an Injury and Illness Prevention Program (IIPP)

Not only is an IIPP a necessity for regulatory compliance*, an effective IIPP will also help to control injuries and associated costs.  Your IIPP should address key items including authority and responsibility for the safety program, employee compliance, communication with employees, hazard assessment and correction, accident investigation, safety training and recordkeeping.

*All California employers are required by Cal/OSHA to have an Injury and Illness Prevention Program in place.  Federal OSHA is currently considering a similar requirement.

2. Make Safety Everyone’s Job

While it is necessary to designate specific individuals to administer the IIPP, it is also important to emphasize the company-wide shared responsibility for safety.  In order for an IIPP to be effective, everyone from top management to supervisors and employees must buy in to and support the program.  Make sure that managers and supervisors are adequately trained regarding company safety policies so that they can help to enforce these policies with their employees.  Involve employees in the safety program, encouraging them to make safety suggestions, assist with hazard identification surveys and job hazard analysis.  This creates a sense of employee ownership of workplace safety issues.  Also consider incorporating safety into performance evaluations and bonus programs.

3. Consider a Safety Incentive Program

When done right, an incentive program can be a valuable addition to the company’s overall safety program.  Be wary of programs that discourage injury reporting; instead, try implementing a program that uses positive reinforcement, rewarding employees for contributing to workplace safety by making safety suggestions, following safe work practices and assisting with hazard identification efforts.

4. Consider Outsourcing Safety Administration

Many organizations attempt to institute an effective, cost efficient Risk Management Program in an effort to reduce workplace injuries. These programs may be difficult to implement, often with unproductive and costly results. Consider contracting with a Human Resources Outsourcing firm that employs safety specialists to assist you in the creation and implementation of an effective safety plan. Contact CPEhr’s Risk Management Department for more information.

Contributed by CPEhr’s Senior Loss Control Manager, Sara Richards, MS, CRP, ARM.

Disclaimer

The Trouble with Texting

Saturday, October 16th, 2010

October is National Ergonomics Month, and while many of us typically think of ergonomics in terms of our computer workstation set-up, there is an increasing trend of ergonomic problems associated with handheld devices; specifically, text messaging on cell phones. The American Society of Hand Therapists (ASHT) past President Donna Breger Stanton, MA, OTR/L, CHT, FAOTA warned in a Consumer Alert that, “Handheld electronics may require prolonged grips, repetitive motion on small buttons and awkward wrist movements. This combination can lead to an increased susceptibility to hand, wrist and arm ailments such as carpal tunnel syndrome and tendonitis”.

Growing Texting Trends

Earlier this year, ABC News reported on an Illinois teen who was diagnosed with carpal tunnel syndrome attributed to texting up to 100 times per day. The doctor prescribed wrist braces, cortisone injections and surgery. Teenagers are notorious for their text messaging habits, and research shows that adults are becoming increasingly reliant on this technology. Pew Research Center, in its Internet & American Life Project research, found that teen texting averages 50 messages per day compared to 10 messages per day for adults. While not yet reaching the levels of teen texting, adult texting is definitely on the rise. The Nielsen Company, at the request of the Wall Street Journal, analyzed cell phone bills of over 60,000 subscribers. They found that adults ages 45 to 54 sent and received 323 text messages per month in the second quarter of this year, up 75 percent from a year ago. Pew Research Center also found that adult text messaging has increased. They found that 72 percent of adults send and receive text messages, up from 65 percent in September 2009.

How to Minimize the Risks

So what can we do to prevent physical problems associated with texting? ASHT has designed the following guidelines for safer use of handheld electronics and portable devices:

  • If you have pain during the activity, stop. Pain is one of the ways your body is letting you know that you are overextending a particular muscle group.
  • Use a neutral grip when holding the device. A neutral grip is when the wrist is straight, not bent in either direction. This will allow for wrist motion in a plane where more motion is available in the wrist.
  • Take a break every few minutes or switch to another activity. Overuse of repetitive motions, such as pressing buttons, can cause tendonitis of the elbow or lead to Carpal Tunnel Syndrome (tendon or nerve irritation).
  • If possible, place pillows in your lap and rest arms on pillows or use the device supported on a desk or tabletop. This will allow you to keep your head in a more upright position and therefore decrease neck strain. The pillows or desk will help support the arms so they do not have to be held up in the air.
  • Sit in an appropriate chair. This is a chair that allows you to put your feet comfortably on the floor and also provides good back support.
  • Switch hands frequently and vary the use of fingers/ digits. This will allow the one hand or other fingers/digits to rest and reduce fatigue.
  • Frequently look away from the screen and focus on a distant object to help reduce eye fatigue.

As with computer use, posture is key when it comes to handheld devices. Breger Stanton advises “Watch your posture. People may strain their elbows and wrists by leaning or slouching for a long period of time while working on these tiny keyboards. If you are feeling discomfort or lack of circulation in your arms and hands while working on a handheld device, you could by laying the groundwork for more pain in the future.” ASHT also recommends performing hand and wrist exercises to reduce the risk of injuries when using handheld electronics.

For more information, please contact CPEhr’s Risk Management Department.

Workers’ Compensation Rates Set to Increase… Again

Monday, October 11th, 2010

The California WCIRB (Workers’ Compensation Insurance Rating Bureau) recently announced their proposal for across-the-board rate hikes commencing January 1, 2011. Insurance Commissioner Steve Poizner is reviewing the WCIRB’s proposed 27.7% rate increase.  This recommended rate hike of 27.7% is an average across all classifications. Many codes, however, may see rate increases up to 65%. According to most estimates, this will bring insurance rates to levels not seen in California for almost a decade. Below is a summary of the recommended increases:

# Of Codes Affected Proposed Increase

11 60% – 69%
42 50% – 59%
77 40% – 49%
130 30% – 39%
139 20% – 29%
68 10% – 19%
24 1% – 9%
7 0% – less

So What Can You Do To Protect Your Rates?

While it may be impossible to prevent any increase to your rates, here are three ways to mitigate the rate hikes and protect your policy in the future:

  1. Be safe! Insurance companies will first view the loss history of an individual company before instituting rate increases. The Loss Ratio (the ratio of losses paid out versus premiums paid in) is the most important factor in determining rate increases. Even while published base rates state-wide may be increasing, a company with a low loss ratio can still experience a decrease.
  2. Shop around. Certain insurance carriers have a preference for specific insurance risks. Some may prefer white collar business, while others may pursue riskier “blue collar” operations such as construction and transportation. As  your broker to submit your renewal to several carriers and compare costs.
  3. Join a PEO (Professional Employer Organization). A PEO is a firm that specializes in managing all the responsibilities relating to employees.  A PEO legally hires a company’s current employees, thereby making the PEO the “employer of record” for taxation and insurance purposes. Because the PEO pools thousands of employees and hundreds of clients, they are able to negotiate significantly lower premiums than any small, individual business could on their own. It sounds complicated, but it’s really very simple – economies of scale.

Click here to find out more about Professional Employer Organizations and to explore the possibility of procuring lower workers’ compensation premiums for your business.

Workplace Violence – Why it Happens, and How to Prevent It

Monday, August 30th, 2010

Earlier this month, a troubled employee fatally shot nine people (including himself) and wounded eight others when he arrived to the warehouse where he worked for the last two years. He was there to meet his manager for a disciplinary hearing.

This tragic case is reflective of the startling statistic that homicide is the second leading cause of job-related deaths following vehicular accidents. There are approximately 2 million employees (annually) who are victims of workplace violence. While homicide is an extreme case, workplace violence has been reported to include assault, robbery and rape.

Why Workplace Violence?

Linda Robinson, CPEhr’s Training Manager, cites many reasons for violence in the work environment. These include:

  • Pressure and stress of modern life—economic, social, and psychological challenges that can build up over time and drive people over the edge
  • Individuals who may view violence as a way to deal with their frustrations and solve problems
  • Cultures that tolerate and glorify violence
  • Access to weapons

While these are some of the reasons that workplace violence exist, according to Robinson, there are “undoubtedly many other causes that contributes to this act. As an employer, it is your duty to create a safe environment for all employees.” While there is no way of knowing if violence will occur in your organization, here are proactive steps and follow-up intervention items that you can make before violence erupts:

Proactive Steps:

  • Address threatening behavior right away
  • Review your workplace policy with employees that are causing problems
  • Educate your employees to report any disruptive, aggressive or violent acts
  • Refer employees that have exhibited violent behavior to counseling (EAP or private)

Follow-up Intervention:

  • Monitor the employee’s behavior
  • Use progressive discipline as needed
  • Assess the violent potential of terminated employees

While intervention is a proactive approach to address violence in the workplace, the number one prevention, according to Robinson, is to define, require and measure professional conduct across all-levels of the organization. This will create an environment that establishes a protocol that sets forth a tone for professional conduct within the workplace. When a professional environment is a part of the culture, employees who are disruptive and/or acting violently will be identified much faster than in a chaotic environment that has no professional standard.

Heat Safety is Smart Business, and its the Law.

Monday, July 12th, 2010

With the summer in full swing, employees must prepare themselves for the heat. And we’re not just talking sun-hats and water bottles here. Incidents related to the heat account for one of the highest workplace injuries causes as reported by OSHA. OSHA (the Occupational Safety and Health Association) clearly outlines an employers responsibility to help protect their employees from heat-related injuries.

The Personal Protective Equipment Rule

The Personal Protective Equipment Rule under OSHA states that employers must provide both protective equipment and training to workers in certain situations, including environmentally hazardous conditions such as sunlight and heat. Some states are more at risk from this type of exposure than others, such as Arizona, which has the nation’s highest heat related death rate. Employers with outdoor workers in states with hot weather conditions must ensure that appropriate measures are in place to prevent heat related illnesses and/or deaths.

New Enforcement Initiative

OSHA has recently unveiled its new enforcement initiative, the “Severe Violators Enforcement Program” which increases penalties, and enhances the corrective measures that must be taken when an employer’s violation is intentional or repetitive. OSHA has issued a directive that state OSHA departments must adopt the Program or an equivalent program within six months of the effective date which is scheduled to be within 45 days of April 22, 2010. Given the increased enforcement initiative, employers should review and revise their safety policies, and procedures to ensure they are in full compliance.

Create a Heat-Safety Program for Your Company

If your business employs workers who work outdoors, or in hot indoor conditions, please contact CPEhr to schedule a complimentary on-site inspection of your workplace. Our experienced Risk Management team will assess your heat risk and create a customized safety program to both protect your employees, as well as keep your business OSHA compliant.