ATA WORKERS COMPENSATION FUND DATA ANALYTICS / CLAIMS UNDERWRITING

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1 ATA DATA ANALYTICS / CLAIMS UNDERWRITING SIIA NATIONAL CONFERENCE SEPTEMBER 26,

2 FUND MEMBER ANALYTICS PRESENTATION THE ATA FUND MODEL WE CREATED IS A BEHAVIOR-BASED MODEL THAT EMPLOYS CERTAIN RISK MANAGEMENT TECHNIQUES SUCH AS ANALYTICS, DEMOGRAPHICS AND PREDICTIVE MODELING TO CREATE A CULTURE OF PREVENTION THAT USES BOTH POSITIVE INFLUENCERS AND NEGATIVE INFLUENCERS TO GENERATE A PREDICTABLE OUTCOME. FUND MEMBER ANALYTICS PRESENTATION WHAT ARE THE INFLUENCES THAT AFFECT EVERY ATA FUND MEMBER AND POTENTIAL NEW FUND MEMBER? GOOD DRIVERS ARE HARD TO FIND GOOD DRIVERS ARE HARD TO RETAIN TRUCKING AND TRANSPORTATION COMPANIES OPERATE ON PROFIT MARGINS THAT ARE VERY THIN 2

3 FUND MEMBER ANALYTICS PRESENTATION IN DEVELOPING THE ATA FUND MODEL, IT HAD TO BE COMPRISED OF THE FOLLOWING: EFFICIENT EFFECTIVE IMMEDIATE IMPACT NO MATERIAL COST TO THE FUND MEMBER FUND MEMBER ANALYTICS PRESENTATION ATA S MODEL USES 3 ASPECTS IN ITS APPROACH TO PREDICTING ACCIDENTS AND PREVENTING INJURIES: ANALYTICS IDENTIFIES THE DEMOGRAPHICS DEMOGRAPHICS IDENTIFIES THE LOSSES PREDICTIVE MODELING USED TO PREDICT LOSSES TO ALLOW FOR THE DEVELOPMENT OF SAFETY PROTOCOLS AND PROCEDURES WHICH PREVENT INJURIES FROM OCCURRING; GENERATES BOTTOM LINE PROFITS 3

4 FUND MEMBER ANALYTICS PRESENTATION THEY ARE A DIVERSE TRANSPORTATION COMPANY OPERATING 520 POWER UNITS HAULING GENERAL FREIGHT, HAZMAT AND BULK-RELATED MATERIALS AND HEAVY MACHINERY. THEIR TOTAL OPERATIONS INCLUDE MULTIPLE COMPANIES WITH FACILITIES AND OPERATIONS IN ALABAMA AND TWELVE OTHER SOUTHEASTERN AND SOUTHWESTERN STATES. FIVE YEAR LOSS RATIO 4

5 Cost Comparison by Year $300, Year ALABAMA CLAIM COST COMPARISON s Paid Outstanding Reserve $262,958 $262,958 $ $22,960 $22,960 $ $136,421 $136,421 $ $50,705 $50,703 $ $0 $0 $0 28 $473,044 $473,042 $2 $250, $200, $150, $100, $50, $ Paid Outstanding Reserve Cost Comparison by Year Year CROSS BORDER CLAIM COST COMPARISON s Paid Outstanding Reserve $14,690 $14,690 $ $137,251 $137,251 $ $527,587 $235,626 $291, $101,401 $89,386 $12, $14,385 $9,712 $4, $795,314 $486,665 $308,649 $600, $500, $400, $300, $200, $100, $ Paid Outstanding Reserve 5

6 Cost Comparison by Year COMBINED TOTAL CLAIM COST COMPARISON $700, $600, $500, $400, Year s Paid Outstanding Reserve $300, $277,648 $277,648 $ $160,211 $160,211 $ $664,008 $372,047 $291, $152,106 $140,089 $12, $14,385 $9,712 $4, $1,268,358 $959,707 $308,651 $200, $100, $ Paid Outstanding Reserve COMBINED TOTAL CLAIMS BY AGE RANGE 30-39, $112k Safety Analysis - WC - Age Range by Over 60, $76k 1-29, $10k 50-59, $655k Age Range % of Average Cost Per % $655, % $40, % $414, % $23, % $112, % $18, Over % $76, % $8, , $414k % $10, % $3, $1,268,

7 1 Year or Less, $191k Safety Analysis - WC Experience Level by 10 to 15 Years, $4k 15 to 20 Years, $1k 5 to 10 Years, $1k COMBINED TOTAL CLAIMS BY EXPERIENCE LEVEL Length of Employ % of Average Cost Per 1 to 5 yrs % $1,070, % $41, yr. or less % $191, % $10, to 15 yrs % $4, % $ to 5 Years, $1.07m 15 to 20 yrs % $1, % $1, to 10 yrs % $1, % $ $1,268, COMBINED TOTAL CLAIMS BY ACCIDENT TYPE Fall, Slip, or Trip, $139k Safety Analysis - WC - Accident Type by Strain or Injury, $129k Cut, Puncture, Scrape, $6k Other, $3k Burn or Scald, $556k Accident Type % of Average Cost Per Burn or Scald % $556, % $92, Motor Vehicle % $433, % $48, Fall, Slip or Trip % $139, % $9, Strain or Injury $129, % $8, Cut/Puncture/ Scrape % $6, % $3, Motor Vehicle, $433k Other % $3, % $ $1,268,

8 COMBINED TOTAL CLAIMS BY ANATOMY Lower Extremities, $95k Safety Analysis - WC - Anatomy by Head, $72k Trunk, Neck, $563k Anatomy % of Average Cost Per $125k Trunk % $563, % $62, Multiple Body Parts % $269, % $33, Upper Extremities % $140, % $8, Neck % $125, % $62, Lower Extremities % $95, % $11, Head % $72, % $8, Upper Extremities, $140k Multiple Body Parts, $269k 52 $1,268, COMBINED TOTAL CLAIMS BY DAYS OF THE WEEK Friday, $119k Safety Analysis - WC - Day of Week by Wednesday, $29k Saturday, $9k Sunday, $0k Day of the Week % of Average Cost Per Tuesday, $216k Thursday, $622k Thursday % $622, % $56, Monday % $271, % $27, Tuesday % $216, % $27, Friday % $119, % $9, Wednesday % $29, % $3, Monday, $271k Saturday % $9, % $9, Sunday % $0.00 $0.00 $ $1,268,

9 FUND MEMBER ANALYTICS PRESENTATION ATA FUND ASSISTANCE ATA PROGRAMS: HIRING PRACTICES PROGRAM DRIVER MANAGER PROGRAM REVIEW AND UPDATE SAFETY POLICY AND PROCEDURES IMPLEMENT DRIVER SAFETY AND OPERATIONAL MANUAL POST-ACCIDENT FOLLOW-UP TRANSITION2WORK INCENTIVE PROGRAMS TECHNOLOGY IS RULED BY TWO TYPES OF PEOPLE: THOSE WHO MANAGE WHAT THEY DO NOT UNDERSTAND, AND THOSE WHO UNDERSTAND WHAT THEY DO NOT MANAGE. Freda Bacon 9