Risk Strategies to Help Reduce Hospital Workers Compensation Claims

Transcription

1 to Help Reduce Hospital Workers Compensation Claims May 11,

2 Speakers Beth Moreland Senior Risk Engineering Consultant Zurich Chris Taylor SVP, Head of Healthcare Zurich 2

3 Goal of Today s Lesson Share our research as to major cause of loss Based on 3,000 claims annually Average of $20 million in incurred losses annually Zurich Claims database ( ) Help everyone to benefit from our research by sharing Best Practices Group discussion share individual practices and findings 3

4 Benchmark Study Key Insights The older the employee, the more expensive the claim. Hospital Employees & Claims by Age Average Cost per Hospital WC Claim by Age of Injured Employee 4

5 Benchmark Study Key Insights Strains: Slips / Trips / Falls: Highest Frequency Highest Severity Hospital WC Claims Profiled by Accident Type 5

6 Benchmark Study Key Insights Patients involved in significant % of claims Hospital WC Claims by Agent of Loss 6

7 Benchmark Study Key Insights Nature of Injury & Body Part Hospital WC Claims by Injury Type 7

8 Strategies to Help Control Employee Strains Enforce Safe Lift Program Educate staff Consider Stretch/Flex Program Provide appropriate job assignment and placement Enforce job rotation & scheduled breaks Redesign work to fit the employee 8

9 10 Point Program to minimize Slips, Trips & Falls 1 Limit distractions, obstructions and unusual conditions 2 Enforce housekeeping and floor maintenance/cleaning practices 3 Conduct safety inspections for STF exposures 4 Evaluate lighting levels 5 Require wearing of slip-resistant footwear 6 Ensure proper use of wet floor signage 7 Evaluate surface conditions and compositions Address stairs, escalators, elevators and other level changes Educate staff on common human factors impacting STF potential Consider unsafe actions that may increase STF potential

10 to help Reduce Hospital Workers Compensation Claims Group discussion individual practices and findings 10

11 Questions? Beth Moreland, CSP, CHSP, CXLT, CHSO, ARM Senior Risk Engineering Consultant Zurich Christopher A. Taylor SVP, Head of Healthcare Zurich

12 The information in this presentation was compiled from sources believed to be reliable for informational purposes only. All sample policies and procedures herein should serve as a guideline, which you can use to create your own policies and procedures. We trust that you will customize these samples to reflect your own operations and believe that these samples may serve as a helpful platform for this endeavor. Any and all information contained herein is not intended to constitute advice (particularly not legal advice). Accordingly, persons requiring advice should consult independent advisors when developing programs and policies. We do not guarantee the accuracy of this information or any results and further assume no liability in connection with this presentation and sample policies and procedures, including any information, methods or safety suggestions contained herein. We undertake no obligation to publicly update or revise any of this information, whether to reflect new information, future developments, events or circumstances or otherwise. Moreover, Zurich reminds you that this cannot be assumed to contain every acceptable safety and compliance procedure or that additional procedures might not be appropriate under the circumstances. The subject matter of this presentation is not tied to any specific insurance product nor will adopting these policies and procedures ensure coverage under any insurance policy.