WELCOMEWELCOME

HOW TO GET A HOW TO GET A

FROM THE BWCFROM THE BWC

DELOITTE STUDYDELOITTE STUDY

• BWC discount programs are similar to those offered in other states

• In some cases credits given by BWC are much larger than in other states

• Low participation

• Not effective

• More study needed

BWC RESPONSEBWC RESPONSE• Make programs more effective and

accessible

• Re-tool DFWP first

• Re-tooling includes benchmarking, academic research, integration with safety best practices, stakeholder involvement, performance monitoring, and actuarially-based pricing

1964-20031964-2003

• No Commitment

• No Control

• No Concern

2004 COMMITMENT2004 COMMITMENT

• BWC Visit

• Financial Issues

• Management Buy-In

• CEO Statement

• BWC Programs

• DFWP

• Training

2004 COMMITMENT2004 COMMITMENT

• Reasonable Suspicion Testing

• Post Accident Testing

• Staff Buy-In

• Safety Meetings

• Suggestion Boxes

• Immediate Accident Reporting

2004-2008 EDUCATION AND 2004-2008 EDUCATION AND CULTURE CHANGECULTURE CHANGE

• Safety Meetings– Site Administrators

• One hour duration• Discuss incidents and causes• Anticipate Problems• Examine Training Films• Receive expert input from BWC Reps• Site Meetings

2004-2008/EDUCATION AND 2004-2008/EDUCATION AND CULTURE CHANGECULTURE CHANGE

• Orientation and DFWP Training

– Emphasize Concern for Employee

– Testing to Prevent Harm

– Training to Handle Work and Home Issues

– Sharpening Skills to Detect Problems

– Immediate Reporting of Incidents and Unusual Behavior

2004-2008/EDUCATION AND 2004-2008/EDUCATION AND CULTURE CHANGECULTURE CHANGE

• Incident Reports

–Emphasis on Causes and Prevention

–Witness Statements

–Written Record

2004-2008/EDUCATION AND 2004-2008/EDUCATION AND CULTURE CHANGECULTURE CHANGE

• Transitional Work

– Training Program paid for by the BWC

– Program can get injured back to work within 7 days

– Encourages communication with the injured

– Educates supervisors on importance of getting employees back to work as soon as possible

2004-2008/EDUCATION AND 2004-2008/EDUCATION AND CULTURE CHANGECULTURE CHANGE

• BWC Resources

– Transitional Work Training

– Expert Consultants

• Shoes to prevent slipping

• Training regarding lifting

• Examined facilities for safety issues

• Classes

• Library

2004-2008/EDUCATION AND 2004-2008/EDUCATION AND CULTURE CHANGECULTURE CHANGE

• BWC Discount Programs

– PDP+

– DFWP

– Safety Council Attendance

COST TRENDCOST TREND

0

100,000

200,000

300,000

400,000

500,000

600,000

2001 2002 2003 2004 2005 2006 2007 2008 2009

Cost Trend

PENALTY-RATED TO PENALTY-RATED TO CREDIT-RATEDCREDIT-RATED

• PreventionPrevention

• Safety = Core ValueSafety = Core Value

• Medical Only vs Lost TimeMedical Only vs Lost Time

• Handicap ReimbursementHandicap Reimbursement

• SettlementSettlement

DRUG-FREE WORKPLACE DRUG-FREE WORKPLACE AND PREMIUM DISCOUNT AND PREMIUM DISCOUNT

PROGRAMSPROGRAMS

$625,000$625,000

FREQUENCY AWARDFREQUENCY AWARD

$20,000$20,000

TRANSITIONAL WORKTRANSITIONAL WORK

$13,000$13,000

SAFETY COUNCIL SAFETY COUNCIL LUNCHEONSLUNCHEONS

DELOITTE STUDYDELOITTE STUDY

• Luncheon program has low participation

• It has not demonstrated a clear positive or negative impact on loss experience for the participants

RESPONSERESPONSE

• Luncheon program is ill-equipped to serve as a best practices workshop

• 30 minute presentation provides ideas and inspiration

SAFETY COUNCIL SAFETY COUNCIL LUNCHEONSLUNCHEONS

$116,000$116,000

HANDICAP HANDICAP REIMBURSEMENTREIMBURSEMENT

• State pays percentage of claim where claimant has pre-existing enumerated disease.

• Best evidence is MRI, medical history and operation notes

HANDICAP HANDICAP REIMBURSEMENTREIMBURSEMENT

$96,000+$96,000+

DELOITTE STUDYDELOITTE STUDY

• ADA makes program’s original purpose obsolete

• Cost –containment benefits can be spread across all employers through lower premiums

• No evidence found that employers required the provided economic relief

• Terminate program

RESPONSERESPONSE

• No BWC response

• Retain benefit for penalty-rated employers

RECLASSIFICATIONRECLASSIFICATION

• Conference with BWC representatives

• Examination of new programs

• Are we classified accurately?

• Can a sub-classification more accurately describe the work of administrative employees?

RECLASSIFICATIONRECLASSIFICATION

• Prepared Amended Payroll Report requesting that administrative employees be classified as office workers

• Workers Compensation cost for office workers is one-tenth that of social workers

• $100,000 annual savings

RECLASSIFICATIONRECLASSIFICATION

$147,000+$147,000+

TOTAL SAVINGSTOTAL SAVINGS• DFWP&PDP DFWP&PDP $625,000$625,000

• AWARD AWARD $20,000$20,000

• TRANSITION TRANSITION $13,000$13,000

• SAFETY LUNCHEONS SAFETY LUNCHEONS $116,000$116,000

• HANDICAP HANDICAP $96,000+$96,000+

• RECLASSIFICATION $147,000+RECLASSIFICATION $147,000+

TOTALTOTAL $1,017,000+ $1,017,000+

BENEFITSBENEFITS

• Cost Center vs. Production CenterCost Center vs. Production Center

• EvaluationsEvaluations

I’LL MAKE THEM PAY!!!!!I’LL MAKE THEM PAY!!!!!

TERENCE TERENCE COPELANDCOPELAND

COUNCIL FOR ECONOMIC OPPORTUNITIESCOUNCIL FOR ECONOMIC OPPORTUNITIESIN GREATER CLEVELANDIN GREATER CLEVELAND

1228 EUCLID AVENUE 1228 EUCLID AVENUE CLEVELAND, OHIO 44115CLEVELAND, OHIO 44115

216-696-9077216-696-9077