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SMOOTH OUT THE RISK WRINKLES IN AN AGING WORKFORCE

By Risk Management Bulletin

Demographic changes in today’s workplace are impacting the way risk managers handle lost Productivity, the cost of wage replacement, and skyrocketing workers comp premiums that are created by the health problems their employees face. Chronic medical conditions such as heart disease, arthritis, back problems, respiratory disease, and diabetes are far more prevalent among workers aged 55 and above. These workers account for an ever-greater share of the labor force, than among younger employees.

Employers who promote healthy life style choices offer an effective way to reduce health related costs. Experts recommend taking these steps:

  • Encourage workers to educate themselves about their health problems.
  • Offer health risk appraisals to employees.
  • Introduce disease management programs to promote healthy behavior.
  • Make healthy food options available.
  • Encourage exercise.
  • Discourage unhealthy habits. For example, make the workplace tobacco free.
  • If you have a fairly large workforce, provide on-site medical facilities.
  • Use employee assistance programs (EAPs) to help with family and home issues that often emerge when managing long term chronic conditions.
  • Create mobility throughout the day. Being sedentary or standing for long periods can create problems for employee with health conditions.
  • Conduct periodic ergonomic assessments.
  • Encourage breaks in concentration and focus by dividing tasks into shorter cognitive units.
  • Establish a safety committee that recognizes and rewards valuable safety suggestions.
  • Build in accountability for the workplace health and safety committee at the supervisory level.

Of course, these guidelines apply equally to all of your employees.

To learn more, feel free to give a call.

BEWARE OF ‘DISTRACTED WALKING’

By Workplace Safety

We’re all well aware of the safety risks that “distracted driving” possesses – but what about “distracted walking”?

If your employees are walking around your facility, or down the street, with faces buried in their mobile phones (even if they’re on company business), they’re creating a hazard to themselves and others, According to Ohio State University Professor Jack Nusar.

His study of distracted walking found that more than 1,500 people were treated in emergency rooms during 2010 for injuries related to use of a cell phone while walking. If the pedestrian numbers were under reported, as is probably the case with distracted drivers, there might have been about 2 million pedestrian injuries related to mobile phones in 2010. Nusar says, “If current trends continue, I wouldn’t be surprised if the number of injuries to pedestrians caused by cell phones doubles again by 2015.”

Although being able to multitask is usually considered a productivity booster, that’s not the case when one of these activities is using a mobile phone. “When you’re going to take a cell phone call or text, stop walking. Don’t do two things at once,” advises Nusar.

His study offered details about some of the accidents. One study, a 28-year-old talking on his cell phone walked into a pole and lacerated his brow. In another study, a man suffered a sprained elbow and spinal sprain when he was hit by a car while on the phone.

Your employees have probably gotten the message on the dangers of distracted driving. Making sure you also keep them informed about the hazards of “distracted walking” can help keep your workplace safe – and your workers comp premiums under control.

For more information, feel free to get in touch with us.

DRIVING EMERGENCIES: ARE YOUR WORKERS PREPARED?

By Workplace Safety

You’re traveling at 70 miles per hour on a busy highway when you blow a tire. Your car hits an unexpected slick spot and starts to fishtail. Your brakes or steering suddenly lock up.

In these situations, preparedness can literally make the difference between life and death. That means making sure your employees are trained to deal with common driving emergencies by following these guidelines:

A blown tire:

  • Hang on to the steering wheel.
  • Don’t brake suddenly.
  • Ease off the gas and coast until you have control of the car.
  • Turn on your hazard lights to warn the drivers around you.
  • Steer smoothly.

Skidding or hydroplaning:

  • Don’t make any sudden moves, such as braking hard or jerking the wheel.
  • Ease off the gas.
  • Steer the car’s nose gently in the direction you’d like to go. Make adjustments gradually, as needed, until the vehicle is moving in a straight line.

Failed steering:

  • Don’t brake – a sudden change in speed could send the car spinning.
  • Ease off the gas.
  • Turn on your hazard lights.
  • Coast to a stop, using your brakes gently once the car slows on its own.

Your brakes fail:

  • Downshift.
  • Move to the right, remembering to signal as needed.
  • Because the failure might be temporary, keep your foot on the brakes. If you have ABS, apply steady pressure; If you don’t have ABS, pump the brakes.
  • Shift into neutral and apply your emergency brake.
  • If possible, use friction to slow or stop the vehicle by running it along a curb or something alongside the road.

For more information, feel free to get in touch with us.

WORKPLACE SHOOTOUT: AN OUNCE OF PREVENTION

By Workplace Safety

Last September 16, a former serviceman with a history of personal and workplace violence and untreated psychiatric issues massacred 13 people at the Washington D.C. Navy Yard.

This has been a tragic cliché for workplace issue resolution.

As an employer, what can you do to prevent such a tragedy?

If you have an Employee Assistance Program (EAP), be sure that you’re making the best use of it. Unfortunately, all too many businesses mention their EAP to new hires only on orientation day and do little or nothing to encourage worker participation after that.

An effective program can provide an invaluable resource for troubled employees who might not feel comfortable in confiding their pent-up issues to managers. –Maybe they find it difficult to access counseling or mental health resources available through their health plan.

More and more employers are providing counseling services to unhappy workers in a less obtrusive way than old-fashioned face-to-face meetings. Electronic, teleconference style services can take a lot of the stigma out of sitting in a waiting room or signing up for an awkward group counseling session (Millennial employees, who are more accustomed to spending time in front of their tablet than with a counselor, will probably be receptive to this approach).

Keeping an open dialogue with your workers, and a concerned eye on them, can be a literal life-saver. Problems develop in every workplace. it’s essential to remain vigilant and aware of potential issues that could trigger a shootout on your premises.

For more information, feel free to get in touch with us.

DON’T SLIP UP ON SLIP-AND FALL INJURIES!

By Workplace Safety

With slips, trips and, falls remaining one of the top causes of workers compensation claims, safety experts stress the need for preventive measures and ergonomic workplace design.

Such accidents need particular attention in nonindustrial environments where employers often install terrazzo or marble floors that can be dangerous to walk on.

According to the U.S. Bureau of Labor Statistics, same- level slips, trips and falls (in which workers slip and fall on the surface where they’re standing) accounted for 134,580 lost workdays and 111 deaths in 2011. The number of same-level falls increased 42.3% from 1998 to 2010, the highest growth of any accident type during this period. These mishaps are costly, in 2010, Liberty Mutual a a leading workers comp insurance company, paid $8.61 billion in same-level fall comp claims.

Implementing safety measures such as, cleaning spilled liquids promptly and placing floor mats on smooth flooring will help prevent workplace injury. Reviewing injury records to find trends will help determine additional safety measures to implement in the workplace. Many businesses are replacing surfaces that contribute to these mishaps which is a highly cost effective investment that can curb expensive litigation and workers comp liabilities.

Although these precautions have prevented thousands of slip-and-fall accidents, the risk will remain a problem until employers work with design professionals to create ergonomically friendly safe buildings. The National Institute of Occupational Safety and Health (NIOSH) is sponsoring a “Prevention Through Design” initiative to address ways that architects and engineers can get involved in designing safer workplaces (for example, by training college engineering and architecture students about safety and ergonomic considerations).

Our workers comp specialists would be happy to check your business for slip and fall hazards and recommend steps to help keep your staff and visitors from slipping.

DISTINCTIONS BETWEEN RESPONSIBILITY TO VERSUS RESPONSIBILITY FOR

By Your Employee Matters

Here’s a newsflash: Management is responsible to employees, but not for employees. The whole notion that we’re somehow responsible for employees came out of the control and domination era of the manufacturing age. ” Just do what we tell you to do, don’t think yourself, follow our agenda until you’re 65, and we’ll take care of your health and finances until you pass away actuarially at 67.”. Here are some examples of when you know you’ve been stuck in the position of being responsible for employees rather than responsible to them:

  1. You find yourself doing too much for them. When people can’t get their jobs done, do you step in and save them? Or do you let go of control and allow them to take responsibility for their results?
  2. You think that you have to bribe them to perform well. Frustrated parents will try to buy their children’s behavior. It’s a mistake when managers try to do the same thing.
  3. You’re overprotective. You won’t share an employee’s true shortcomings with them because to do so would put them at risk. As a result, you’ll start engaging in a codependency with this person, thus enabling continued poor performance.
  4. You micromanage.. Do really want to spend your time trying to control a bunch of adults, anyway? Smart managers are clear about their objectives then empower employees to reach them.
  5. Your meetings are one-way communications. You spend time lecturing employees as if they were schoolchildren, rather than empowering them to share problems, ideas, and solutions.
  6. You fail to draw a line in the sand. Many managers will never draw this line because they’re playing “savior games.” You know you should fire an employee, but you’re also aware that if you do so this person might go into a financial tailspin. As a result, you keep the employee, which harms both them and the company.

When you’re responsible to employees, you put them in a position where they become capable of success. It then becomes their responsibility to succeed. You can identify your expectations, express your limits, and provide feedback and judgment without trying to fix things yourself, and encourage but not enable them.

Finally, realize that you and anyone that you manage will make some mistakes. Don’t freak out when this happens; just ask yourself what can be done so it never happens again. In this situation, explore your responsibility and allow the employee to explore theirs.

A NETWORKED HIRING APPROACH

By Your Employee Matters

Your business needs an employee referral system that rewards and encourages employee referrals properly. The feature story for Inc. Magazine Database May 2013 issue, discusses how social media is replacing job boards as the primary outlet for sourcing candidates. . According to the Aberdeen Group, 50% of companies with high retention rates decreased their investment in job boards last year. The most popular site use by recruiters is LinkedIn. The most popular tool used by job seekers to find work is Facebook.Interestingly, JobVite stated that employee retention rates skyrocket when they’re referred by other employees. After three years, 47% of referrals were still around, compared to only 14% of job board applicants, (not sure what happened here).

Interestingly, JobVite stated that employee retention rates skyrocket when they’re referred by other employees. After three years, 47% of referrals were still around, compared to only 14% of job board applicants were. As mentioned on this previously, have an employee referral system that properly rewards and encourages employee referrals.

PAY THEM ONCE – AND THEN PAY THEM AGAIN

By Your Employee Matters

Wage claims keep rising. According to the Seyfarth Shaw law firm, there were 7,764 federal lawsuits alleging the failure to pay overtime and other wages in the year ended March 31, 2013 –a record high, up 10% from the previous year.

An article in Corporate Counsel magazine discussing the Seyfarth Shaw report, state that these claims usually fall into one of three categories: 1) salaried employees who believe they are owed overtime pay; 2) hourly workers who contend that they weren’t paid for all hours worked, and 3) restaurant workers who claim that they received no additional pay under the FLSA “tip credit” provision. According to Seyfarth Shaw partner Noah Finkel, DOL investigators have been focusing on hospitals and restaurants. Finkel points out that although these cases have been traditionally filed in California and Florida, states such as New York, Missouri, Georgia, and others are experiencing more and more claims. He and other attorneys suggest that you conduct an audit or assessment of your wage and hour practices.

Here are some additional recommendations:

  1. If you’re uncertain whether employees are exempt or nonexempt, treat them as if they were nonexempt. They can end up getting paid the same amount at the end of the year as long as you calculate the appropriate wage rate when including overtime payments.
  2. Use a tool such as the Employee Compliance Survey to find out if there are in fact any concerns about wage payment and follow-up on any “yes” answers.
  3. Consider the hours worked by employees both before and after work. For example, in a recent case, a warehouse that required all its employees to go through a security search before they left had been required to pay wages for employees going through that screening.
  4. Know the rest and meal period requirements in your state. Because federal law doesn’t govern this, make sure you that you know your state provisions Check out your BNA State Law Summary on HR That Works.

EDITOR’S COLUMN: MANAGING IS A BALANCING ACT

By Your Employee Matters

I remember my wife and I going to a parenting class and learning the mantra, “firm, but fair.” It’s okay to have clear rules in your household and enforce them; however, you want to do so in a fair manner. When we’re clear about the rules, we can be firm. . I’m sure you’ve shared my personal experience where parents or bosses have punished you for rules you never knew existed –until after you were punished for them!Often, the knowledge is so “commonsensical” to the parent or boss that they just assume the child or the employee know it also. Never mind that it took 20 years for that boss or parent to finally “get it” themselves. When we’re clear on the rules, there’s predictability. There’s integrity. There’s consistency. The rules don’t change overnight based on emotions. When we’re out of balance on the side of clarity we’ll see people begin to fear us, rebel against us, and leave us – not a good outcome at home or work!

When it comes to being fair, the first thing to remember is that life wasn’t designed to be fair, either at work or at home. Life was designed to be a learning lesson. However, fairness has become the filter of today’s workplace. Everyone wants to feel they’re being treated fairly. ‘A fair day’s pay for a fair day’s work.’ Of course, what might seem fair to me could seem onerous to you. We treat people fairly when we follow the Golden Rule. By asking how we can serve and help others, practicing kindness and compassion despite any differences we may encounter along the way. We understand to separate the conduct from the person.

Managers will continue to struggle with employees about work hours, compensation, communication, expectations, safety, insubordination, conflict, and more. Great managers, like great parents, strike the appropriate balance between firm and fair.

WRAP UP POLICIES; THE CCIP SOLUTION

By Construction Insurance Bulletin

Wrap-up or “Wrap” Construction insurance can be a highly effective tool on large or complex building projects to reduce premiums, minimize cross-litigation, and speed the claims process by providing General Liability, Workers Comp, and possibly other coverages for the general contractor and most – if not all –subcontractors under a single package policy. There are two basic types of Wrap coverage: owner-controlled insurance programs (OCIPs) and contractor-controlled insurance programs (CCIPs).

Although each type has its advocates, more and more project owners prefer have the general contractor sponsor the program because they:

  • often use the same subcontractors, who are familiar with the safety requirements of the program – an essential element in a successful OCIP; Shouldn’t this read CCIP?
  • usually have more control than owners over safety programs and are more experienced in the administration of OCIPs: payroll reporting, claims management, working with the insurance company, and so forth
  • have a financial incentive to minimize accidents and injuries on the project (because insurers usually require the general contractor to pay a six-figure deductible, andin many cases, to prefund these potential losses)
  • often have more financial resources than the project owner to provide letters of credit, collateral, or sureties the insurance company requires for projected and developed claims under the program.

However, in some cases, an OCIP can be a better solution than a CCIP. For instance, many owners might be ready to assume the risks of a Wrap-up – and to share the savings with the general contractor for a job completed safely. Picking the best approach for each project should be a win-win for all parties involved. Our Construction insurance specialists would be happy to offer you their input.