How to boost workplace safety efforts by connecting wellness

By Ceil Jung, RN, BSN, CCM

In many organizations, workplace safety efforts are kept separate from efforts to promote wellness among employees.

If your organization treats them as two separate initiatives, maybe it’s time to start thinking about the connections between wellness and workplace safety.

Why safety and health are naturally connected

Workers’ compensation data makes the connection between wellness and safety abundantly clear.

For example, obesity can exacerbate or cause workplace injuries.

“Employees with overweight and obesity may have higher loss of work productivity as measured by absenteeism, short and long-term disability, and worker’s compensation compared to employees with normal weight,” Dr. Clare J. Lee told the Endocrine Society in 2023 .

The organization studied 719,482 employees with and without obesity. Researchers found that the percentage of employees with work loss, number of hours/days lost from work, and costs associated with productivity loss were higher among people with overweight or obesity.

For people with obesity compared to individuals with normal weight, the increase in annual costs were:

  • Absenteeism – $891
  • Short-term disability – $623
  • Long-term disability – $41
  • Workers’ compensation – $112

The connection between safety and health just makes common sense.

Published in 2023, a study from the University of Ohio found that obese employees were twice as likely to file workers’ compensation claims and the costs of those claims were more than double than those filed by employees without obesity.

The cost of comorbidities

In workers’ compensation, we call contributing factors like obesity, diabetes, hypertension, drug abuse (including alcohol and tobacco) and mental health issues “comorbidities.”

The presence of one or more comorbidities can significantly increase the cost of a workers’ compensation claim.

In a study from United Healthcare , researchers found that individuals with a comorbidity had longer recovery timelines. Take something as simple as a forearm fracture. The disability duration can span:

  • 43 days – typical without comorbidity
  • 62 days – diabetes coexistence

Another recent study, this one from the Workers Compensation Research Institute on lower-back pain recovery, found that injured workers often have comorbidities, with the most prevalent being hypertension, arthritis, sleep dysfunction, depression, and anxiety or panic disorders.

Aside from what the studies show, the connection between safety and health just makes common sense.

We’ve probably all tried some new physical activity, and wound up sore the next day because we weren’t used to it.

Well, the same principle is at work when an employee who lives a sedentary lifestyle decides to do something like lift a heavy box at work. This employee is more likely to get hurt than someone who is used to activities like exercising and lifting weights.

Resources to help connect wellness and workplace safety

It’s easy to see why joining employee safety and wellness makes sense. It’s tougher to figure out how to actually do it. Thankfully, many resources are out there to help.

The Centers for Disease Control and Prevention’s Total Worker Health Program is one of the best. Their website offers guidelines for creating a program that integrates safety and health, case studies of success and much more.

A Campbell Institute report mentions ways some companies have connected wellness and workplace safety. Two examples are a medical monitoring program that originated as a safety effort and a “metapostures” program that teaches employees stretches that “strengthen muscles and lubricate joints.”

SFM offers free wellness resources that will help keep employees healthier and safer.

The Get Fit & Exercise program presents simple exercises your employees can perform to help prevent shoulder injuries. The Get Up & Move stretching kit illustrates easy exercises and stretches that employees can do during the workday.

For more, read our Wellness in the workplace CompTalk or other blog posts about wellness.

Whichever tactics you use, watching out for your employees’ health and safety is an important way to show them you care about their well-being and build a positive work environment.

This post was originally published in February 2015 and updated January 2017 prior to this latest version.

Opioids and workers’ compensation: Why employers should care

Opioid-involved drug overdoses topped 100,000 in 2022, according to the Centers for Disease Control and Prevention (CDC).

And another 10 million people misused prescription opioids in 2019, reports the U.S. Department of Health and Human Services .

Opioid painkiller misuse has become widespread, affecting every facet of life – and that includes the workplace. It not only threatens the general well-being of employees, but it can also create on-the-job safety risks and inhibit recovery and return-to-work.

Opioids do have their place when properly prescribed and used, but their misuse can have devastating effects on your employees.

Here are some basics for employers on opioids and opioid misuse:

What are opioids?

Opioids are narcotic painkillers that work by preventing pain signals from reaching the brain. They are synthetic drugs that resemble the effects of natural opium, derived from the opium poppy. OxyContin and Percocet are a couple of the popular brand-name opioids, but there are many more. Taking them may produce a euphoric effect, or “high.”

Why are they prescribed?

Opioids are generally recommended for short-term pain relief due to injury, surgery, disease or cancer treatment, or as a palliative measure for the terminally ill, but doctors also prescribe them to address chronic pain.

However, due to increasing opioid prescriptions for chronic pain, and a related increase in overdose deaths, the CDC issued guidelines for prescribing opioids. The guidelines are intended for primary care clinicians and other clinicians providing pain care for outpatients 18 years or older with:

  • Acute pain (duration less than 1 month)
  • Subacute pain (duration of 1-3 months)
  • Chronic pain (duration of more than 3 months)

Are they necessary and effective?

Studies show that long-term use of high doses of opioids usually isn’t the best treatment for chronic pain, unless the patient is terminal.

In fact, nonopioid therapies are at least as effective as opioids for many common types of acute pain, according to the CDC.

“Clinicians should maximize use of nonpharmacologic and nonopioid pharmacologic therapies as appropriate for the specific condition and patient and only consider opioid therapy for acute pain if benefits are anticipated to outweigh risks to the patient,” reads a portion of the guidance from the organization.

Using the drugs long term can actually increase a patient’s sensitivity to pain, requiring higher doses for the same level of pain relief. This escalating dosage pattern can contribute to opioid addiction. Also, opioids are not among the most effective – or longest lasting – options available for relief from acute dental pain, an examination of the results from more than 460 published studies has found.

In addition to the risk of tolerance and addiction, according to a CDC factsheet , other side effects of taking opioids can include: constipation, nausea, vomiting, dry mouth, sleepiness, dizziness, confusion, depression, lower testosterone (resulting in lower sex drive, energy and strength), itching and sweating.

What about other treatment options?

A 20-year analysis of health care treatment released in early 2024 revealed a significant rise in use of complementary health approaches, such as yoga and meditation, especially for pain management.

The analysis , conducted by the National Institutes of Health’s National Center for Complementary and Integrative Health and published in the Journal of the American Medical Association, found that the percentage of individuals who reported using at least one of seven alternative approaches to care increased from 19.2 percent in 2002 to 36.7 percent in 2022.

For pain management, the use of alternative therapies increased from 42.3 percent in 2002 to 49.2 percent in 2022.

Researchers utilized data from the 2002, 2012 and 2022 National Health Interview Survey to evaluate changes in the use of seven complementary health approaches, including yoga, meditation, massage therapy, chiropractic care, acupuncture, naturopathy and guided imagery/progressive muscle relaxation.

How likely is it that one of my employees will suffer from opioid addiction?

In 2022, there were 39.5 prescriptions written for every 100 people in the U.S., although some counties had rates above 51 per 100 people, according to CDC prescribing rate maps . That 39.5 figure is down from 46.8 in 2019.

Opioid abuse has become so pervasive that any employer should be conscious of the possibility that an employee could be affected. The U.S. Health and Human Services Department declared the opioid crisis a public health emergency in 2017.

About 3 million people in the U.S. have had or currently suffer from what the National Library of Medicine calls opioid use disorder (OUD) as of July 2023. The group says the increase in OUD can partially be attributed to the overprescribing of opioid medications.

As an employer, how does this issue affect me?

The most important aspect of the opioid addiction epidemic is its potential to significantly impact the well-being of your employees, whether they themselves are misusing the drugs, or they’re dealing with the stress of a loved one’s addiction. Any drug addiction can have numerous negative effects like harming family relationships, threatening financial stability and even causing death.

Employee opioid use can also affect workplace safety. Employees taking opioids (even if not addicted) could pose a safety risk to themselves and other employees, depending on the kind of work they do.

  • The behavior of someone on opioids can be similar to that of someone who has been drinking
  • Jobs that involve working from heights, being on construction sites and driving are among those that cannot be safely performed while on opioids

An employer might choose to have a policy preventing employees from performing these kinds of tasks while taking drugs, like opioids, that can diminish alertness.

State laws differ on employee drug testing, and additional legal issues such as compliance with the Americans with Disabilities Act can come into play, so it’s wise to consult legal counsel before instituting a formal policy.

What’s being done to combat the trend of opioid abuse?

Medical providers, pharmacists, insurers and government agencies are all taking steps to combat the epidemic.

Doctors are assessing patients’ risk factors for misuse of opioids more carefully before prescribing them. More doctors and pharmacists are also participating in prescription monitoring programs, which are statewide databases listing all prescriptions of controlled substances and when those prescriptions are filled.

These systems allow doctors, dentists, pharmacists and law enforcement to see whether a patient is getting multiple prescriptions from different doctors, or filling the same prescription in multiple places.

Some physicians also use narcotics contracts to better control patients’ use of opioids. These contracts typically prohibit a patient from getting pain medication prescriptions from other doctors. Many physicians will obtain random drug testing to ensure that patients are taking their medications as prescribed.

Insurers are often requesting peer-to-peer reviews when they question whether an injured employee is being prescribed the most appropriate medications. In these cases, a pharmacist and pain management specialist will look at the case and talk with the treating physician about their course of action. SFM has expert staff who review opioid prescriptions and works with treating physicians and claimants to help wean them off the drugs.

Lastly, the CDC has issued federal guidelines for prescribing opioids for chronic pain. The states of Minnesota, Wisconsin, and many others, have issued state treatment guidelines.

Additional resources

 

This blog was originally published in December 2022 and updated in February 2024 with new information and additional research.

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

Nine expert tips that can lower your workers’ compensation costs

Many employers don’t realize how much control they can have over their workers’ compensation premiums.

Because premiums are based partially on your loss history, you can avoid future premium increases (and maybe even see some reductions) if you take steps to prevent injuries and ensure your claims are well managed.

Of course, it’s always a good idea to get ahead of potential injuries. Being proactive and building a safety culture in the workplace helps. This can include:

  • Creating safety committees
  • Implementing safety walks
  • Checklists to encourage safety
  • Regular safety discussions between employees and leadership

Below are some of our top tips for controlling your losses and, as a result, your workers’ compensation premiums.

1. Have a list of transitional jobs ready for when you need it

List light-duty, transitional jobs that fit within a variety of work restrictions.

That way, when employees are injured, you can easily identify jobs that fit within their restrictions and get them back to work quickly. Delays of even a day or two can increase claims costs substantially by triggering wage-loss payments that would otherwise be unnecessary.

2. Consider all your options to bring the employee back to work quickly

Bringing employees back to work when they’re still recovering can sometimes require a little creativity. A few options include:

  • Reducing the employee’s work hours or work days
  • Bringing the employee back in a different position at a reduced wage
  • Modifying the employee’s equipment or work area
  • Swapping tasks with other employees or reorganizing work within the injured employee’s group
  • Arranging for temporary work in a different area of the company
  • Creating a new lighter-duty job that will be transitional and temporary

Many employers don’t realize that if they bring injured employees back to work at less than their full pre-injury wage, their workers’ compensation insurance will make up most of the difference.

3. Have a relationship with an occupational health clinic

Quality of treatment counts for a lot in medical costs and outcomes.

To find a good clinic, ask officials there whether they have experience treating injured employees and accommodate return to work so the employee can heal while on the job. Ask what information they’ll need from you in the event of an injury, such as an injured worker’s job description.

4. Have a point person for return to work

It helps to have one person who is accountable for getting injured employees back to work as soon as medically possible.

This generally includes staying in contact with the employee, working with the treating doctor and involving the employee’s supervisor.

5. Ensure that employees understand and follow any work restrictions

When injured employees don’t follow their doctors’ restrictions, it can result in costly claim complications.

Take the time to go through employees’ restrictions with them and discuss any aspects of the job that could cause them to do work beyond what their doctor has permitted. Also make sure they know they should follow their restrictions both at work and outside of work.

6. Stay in contact with your injured employees

Let injured employees who are off work know that you are concerned about their injuries and recovery, that you value what they bring to the organization and that you are looking forward to their return.

Keep up on the status, expectations and return-to-work date for each injured employee. Have a plan and stay in touch with the employee, supervisor and claims representative to make sure things stay on track.

7. Report injuries right away

As soon as you learn of an injury, the clock starts ticking toward state deadlines for paying or denying benefits.

Reporting right away keeps you in compliance with these laws and regulations, and allows your claims representative to be responsive to your employees. Delayed reporting can result in longer-duration claims and higher costs. (See our injury reporting page for ways to report.)

Watch out for communications breakdowns. Employees and supervisors need to know who to contact when an injury occurs, and your organization’s point person for reporting claims needs to act with a sense of urgency.

8. Analyze past injuries

Anytime an injury occurs, conduct an accident analysis to identify what caused it and how similar accidents can be prevented in the future.

You can also use your loss history reports to help spot problem areas and identify opportunities to improve safety.

9. Develop a wellness program

Studies show there is a connection between health issues — such as obesity, diabetes and hypertension — and higher workers’ compensation costs.

But that’s only one benefit of finding ways to encourage wellness among your workforce. Encouraging healthy lifestyles can also raise productivity and reduce health care costs.

Bonus tips

Hire smart

Make sure you’re hiring the best possible employees. Legally, you can’t ask job candidates whether they’ve had past workers’ compensation claims, but you can explain the job and its requirements and ask during the interview or in an application whether the applicant can perform the essential functions of the job. Be sure to explain the importance of safety, especially in jobs involving physical labor. Take the time to look into candidates’ backgrounds and talk to their former employers.

Pay close attention to safety

Establish good safety rules and watch for things that cause workplace accidents. Look for any patterns in what’s causing injuries. Correct employees with unsafe habits and promote the importance of workplace safety.

 

Originally posted May 2017; updated January 2025.

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

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Can you screen job applicants for prior workers’ compensation claims?

Employers sometimes ask whether they can screen job applicants for prior workers’ compensation claims.

Often, employers simply want information about previous claims in an effort to prevent reinjury. Even if this is the case, asking job candidates about past work injuries, disabilities or medical histories is illegal under the federal Americans with Disabilities Act (ADA).

At the same time, most states have anti-discrimination laws prohibiting such screenings. This includes human rights and fair employment laws in Minnesota, Iowa, Nebraska, South Dakota, Kansas and Wisconsin.

Employer can ask applicants about ability to perform required tasks

While employers are barred from asking applicants about prior workers’ compensation claims, they are permitted to request other types of information.

To begin, a prospective employer can ask in an interview or on a job application whether the applicant can perform the essential functions of the position with or without reasonable accommodation.

The employer can also ask the applicant to undergo a pre-employment physical examination after a conditional job offer has been made, as long as an examination is required of all applicants in the same category and it only tests for essential job-related capabilities.

If you require pre-employment exams in your organization, a written job description can be a valuable tool to the examiner.

Be sure to consult your employment law attorney to ensure your hiring practices comply with the laws in your area.

One final tip: Any records developed as part of the pre-employment process are required to be kept in a separate file from other personnel file information.

For more information, see SFM’s “Screening job applicants for prior workers’ compensation claims” Legal Advisory.

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

 

Originally posted May 2019

Why employee happiness is so important

Most U.S. employees are unhappy at work, according to a recent study from BambooHR , which showed a decline in employee satisfaction in over the past three years.

As an employer, should that concern you?

Yes! And here’s why…

An increasing body of research shows that a positive work environment fosters employee friendships, enhances personal well-being and ultimately benefits the organization’s bottom line.

Positive and virtuous workplaces lead to higher performance

To begin, the latest research from the University of Warwick says happiness made employees 12 percent more productive.

“The driving force seems to be that happier workers use the time they have more effectively, increasing the pace at which they can work without sacrificing quality,” said an economist who was part the team that conducted the study.

Beyond the increased productivity, there are other benefits of a happy workforce, including the employee motivation of peers, loyalty to the organization and enhanced creativity on the job.

Meanwhile, the post-pandemic work environment has forced employers to be more imaginative with fostering employee happiness. It’s not simply a matter of letting employees work from home.

Harvard Business Review in the fall of 2023 spoke with Adam Grant — psychologist, best-selling author, and chair of BetterUp’s Center for Purpose and Performance — in a piece about the importance of employee happiness. Creating a flexible work environment can take many forms, he said.

“Make a list of things workers want to be free of and things they want to have the freedom to do. And then you can play each of those out alongside choices about where we work, when we work, and how much we work,” Grant said in the article .

Still, as more employees work from home, employers should look to create an environment where employees feel connected. By encouraging certain behaviors in the workplace – among both front-line employees and leadership teams – employers can help workers feel happier.

A 2023 article from Nectar , an employee recognition software company, outlines some of the basics for employers:

  • Enriching employee friendships
  • Having managers measure progress by productivity, not time in the office
  • Being open to feedback at all levels of the organization
  • Learning about their employees likes and crafting office events based on those preferences

Also of note, data from Great Place to Work says employees are three times more likely to have a sense of well-being if they work in a fun environment.

Close friendships generate employee satisfaction

Friendships in the workplace are a big part of employee happiness.

Here is where the impacts of COVID-19 have had a residual effect. People in general have fewer close friends than they did before the pandemic, according to the American Survey Center .

And a 2022 piece from Gallup says having good friends at work is pivotal for employee engagement and career success. According to the article , employees who have a best friend at work are more likely to:

  • Support a safe workplace with fewer accidents and reliability concerns
  • Engage customers and internal partners
  • Get more done in less time
  • Innovate and share ideas
  • Have fun while at work

Job satisfaction directly correlates to having a best friend at work, according to the Gallup study.

Employee happiness keeps workers safer and aids recovery

So, what does all this have to do with workers’ compensation?

Creating a positive work environment can help your employees stay safer and have a smoother recovery if they do become injured. Some of the reasons for this include:

  • Workplace injuries are more common among new hires, so low employee turnover can help prevent injuries.
  • In a positive environment, employees are comfortable reporting workplace safety issues and taking the time necessary to perform their jobs safely.
  • When employees know their employers care about them, there’s less chance the claim process will become contentious if an injury does occur.
  • Workplace friendships create an added incentive for employees to return to work as soon as medically possible after an injury.

The numerous benefits to creating a positive workplace make a compelling case for building a supportive, affirming work environment.

 

Originally published May 2017; updated January 2024.

De-escalation tactics can prevent violence in the workplace

Employees in a variety of occupations can find themselves in situations with the potential to be exposed to violence at work. De-escalation tactics can be used to defuse volatile situations so they don’t reach the point of violence.

What is de-escalation?

De-escalation is one technique that can be used when confronted with violent or aggressive behavior.

According to professionals, de-escalation means “transferring your sense of calm and genuine interest in what an individual wants to tell you by using respectful, clear, limit-setting boundaries.” In short, de-escalation is the process of managing someone else’s behavior with your own.

How does the concept of de-escalation intersect with workplace safety?

As workplace violence remains a continuously growing threat, many industries are beginning to utilize the benefits of de-escalation training.

These industries include:

  • Education/academic settings
  • Healthcare
  • Policing/public service
  • Social work

Are there some general de-escalation tactics that apply universally?

While specific threats vary among industries, Jason Clausen, a Loss Prevention Specialist at SFM, notes that many de-escalation tactics apply universally.

“These tactics all require a state of calm, and operate around the cornerstone of active listening,” he said.

General de-escalation tactics that apply universally include:

  • Respecting personal space
  • Maintaining safe body positioning
  • Giving clear, concise direction
  • Setting obvious boundaries
  • Conveying empathy
  • Establishing positive tone of voice

De-escalation resources

De-escalation training can be helpful to employees in many fields. To learn more about de-escalation, view these SFM resources:

 

Originally published December 2020

Why watching prescriptions closely is so important

It’s not hard to find a story on prescription drugs in the headlines.

Maybe you’ve seen news reports on topics such as:

  • Prescription drug abuse, which has reached epidemic proportions
  • Arguments of overmedication and the push for non-pharmaceutical or non-narcotic alternatives
  • Lack of affordability, with pricing increases far outpacing inflation

These issues and many more can come into play when prescription drugs are needed to treat work injuries.

That’s why SFM works hard to make sure injured employees’ medications are managed well. As part of that effort, we partner with pharmacy benefits manager, myMatrixx .

myMatrixx negotiates pricing for prescription drugs and monitors whether comparable, lower-cost drugs might be available. But its services go beyond cost savings. SFM and myMatrixx work together to see that injured employees are getting the best prescription drug treatments for their injuries and aren’t being put at risk for addiction or dangerous interactions.

The safety of our injured employees is critical.

As a pharmacy benefits manager, myMatrixx acts as an intermediary between SFM and pharmacies, negotiating and paying for medications needed to treat work injuries and connecting the appropriate representative when the medications require approval.

myMatrixx has pharmacists on staff who work together with SFM’s medical experts.

How does SFM ensure injured workers are getting safe and effective prescription medications?

myMatrixx provides SFM with reports that give us the opportunity to monitor injured employees’ prescriptions. This allows us to address dangerous combinations of drugs, prescriptions that are higher or lower than recommended doses of medications, and ineffective treatments for injuries.

For example, in one case an employee complained that his prescription drug wasn’t helping him. SFM discovered he wasn’t taking a high enough dosage for it to work.

If there is any concern about a drug(s), SFM can send a letter to the employee’s doctor. Optimal, safe and appropriate medication management is our goal.

How do SFM and myMatrixx control prescription drug costs?

The cost of prescription drugs in the U.S. increased 15.2 percent from 2022 to 2023, according to an October 2023 report from the U.S. Department of Health and Human Services. In fact, more than 4,200 drug products saw price increases.

However, it should be noted that the Inflation Reduction Act, passed in 2023, has a provision aimed at lowering prescription drug costs.

Still, prescription drug spending increased 8.4 percent to $405.9 billion in 2022, according to the Centers for Medicare and Medicaid Services .

Costs for individual drugs can vary widely, sometimes for no obvious reason. Here are a few examples of surprising variations in prescription drug pricing:

  • When a manufacturer changed its pricing in January 2023, one drug’s cost went up 3,000 percent
  • Some drugs can vary from $15 per dose to more than $140 at pharmacies within a single ZIP code
  • A generic medicine could cost $7 or $393 depending on where it was purchased

The world of prescription drug pricing can be complicated at best and downright baffling at worst.

This is why working with a pharmacy benefits manager is so important.

myMatrixx negotiates with its network of 65,000 pharmacies on drug pricing and monitors prescriptions to identify whether identical or comparable drugs might be available at lower prices.

What is SFM doing to prevent opioid addiction?

One major reason prescription drugs have been getting so much attention recently is the sharp increase in prescription painkiller addiction as well as other medications and/or concerning combinations of medications, both legal and illegal.

SFM helps prevent addictions and advocates for weaning patients off the drugs, or at least getting them to a safer dosage.

Company officials send letters to treating physicians of injured employees who’ve been prescribed high doses of opioid painkillers or other drugs of concern, asking them to develop plans to wean the patients off of the drugs. With increased awareness of the dangers of opioids as well as other prescription medications/combinations and the concerns for prescription use disorder or addiction, more and more doctors are complying.

According to CDC, chronic pain is a pervasive health condition affecting as many as one in five adults and nearly one-quarter of them have used a prescription opioid in the past 3 months and this is associated with increased risk for misuse, addiction, morbidity and mortality.

In some cases, injured employees themselves request to be weaned off the drugs due to safety concerns after seeing the letters outlining the risks.

Sometimes, simply tapering down the medication over time isn’t a safe option. In cases of long-term, high-dose opioid use, other dangerous drug combinations, or both, SFM has sent injured employees to rehabilitation programs. These programs focus on non-medication pain management treatment/alternatives as they help people stop using their opioid painkillers.

Overall, SFM has been successful in helping many of our injured employees taking opioids or other prescription drugs discontinue use or decrease to a safer dosage.

 

Originally published November 2021; updated January 2024.

New CompOnline administrator guide available

SFM has released a new version of CompOnline. The improvements enhance security, provide more permissions to the administrator and streamline our behind-the-scenes processes allowing us to serve you even better.

CompOnline administrators may notice a few changes, including:

  • Administrators can now manage all policy contacts, not just CompOnline users. Any additions or changes to contact profiles will directly update the information we have on file for your organization.
  • For security purposes, administrators can no longer create the first-time password for a CompOnline user and will no longer be able to reset a CompOnline user’s password.

Download the new guide

If you’re a CompOnline administrator, please download our updated CompOnline Administrator Guide for information on the updated features.

Four things you need to do after an employee is injured

Your employee was injured at work. You took care of the employee’s immediate medical needs and reported the incident to your workers’ compensation insurer.

What’s next?

You can help prevent similar injuries, get the employee on the road to recovery and ensure a smooth claim process by doing the following:

1. Investigate the incident

The goal of investigating isn’t to find fault, but to understand exactly what happened so you can make sure the same type of injury doesn’t happen again.

Go to the scene of the accident and talk with witnesses to learn what happened. Take photos. Save any equipment involved. Our post on workplace accident analysis tells you how to prepare to investigate incidents and even provides a checklist that can help you think through what happened and how your organization can prevent similar incidents in the future.

2. Consult with your claims representative

Notify your SFM claims representative right away if the employee will be off work. This ensures that the claims representative will have enough time to get wage-loss benefits paid before your state’s deadline.

When the injured worker is released back to work, call your representative. Make sure you’re aware of the status of the claim and the employee’s treatment schedule, and don’t hesitate to ask questions.

3. Stay in contact with the injured employee

Make a call or a visit as soon as you can. It’s important to answer any questions an injured employee has about the expected recovery and return to work.

It’s not uncommon for injured employees to become isolated or depressed and fear they won’t have a job to return to. Reaching out to them early and often reassures them you care about their well-being and are looking forward to their return to work.

For more details on this topic, read our post about staying in contact with injured employees.

4. Arrange for return-to-work

As soon as a doctor clears the employee to return to work, find a way to bring the employee back, even if medical restrictions prevent returning to his or her pre-injury job. Options include finding a temporary light-duty position, reducing hours or adjusting the employee’s regular job to accommodate restrictions.

Make it clear when, where and to whom the employee is to report.

If the accommodation means the employee will be earning less pay, either because of reduced hours or the position pays less, SFM can make up some of the difference by paying temporary partial disability benefits.

Learn more about return-to-work with the post about why return-to-work matters now more than ever to your bottom line.

Tips for hiring temporary workers or subcontractors

Do temporary employees need safety training? Are subcontractors covered for workers’ compensation?

If your workforce includes temporary employees or independent subcontractors, you may have questions like these.

Even these workers need safety training and workers’ compensation coverage. Here are a few things you should know about hiring subcontractors and temporary employees, and their workers’ compensation coverage and safety.

Hiring temporary workers

When you hire a temporary employee, you need to be sure that the outside temp agency will be liable for payment of workers’ compensation benefits in the event of a work injury.

Beware of scanty contracts, either deliberately or unwittingly silent on important legal considerations including workers’ compensation coverage. Consider having contracts from temp agencies reviewed by an employment attorney before you sign them.

Keeping temporary workers safe

Give temporary employees the same safety training you give regular employees. Don’t skimp on safety training just because someone will only be working with you for a short time.

“The most common causes of injuries we see among temporary employees include workers not being properly trained for the jobs they’re performing, or the physical abilities of the individual do not match the task,” said Lee Wendel, SFM Director of Loss Prevention.

Here are a few suggested questions employers should ask their temp agencies to keep workers safe:

  • Will the agency provide personal protective equipment for the temporary employees?
  • What safety training will be provided by the agency?
  • Does the temporary employee require any additional help to perform the job?
  • Is worker safety a company priority?
  • Will you visit the worksite and conduct a safety assessment?

For more resources on temporary worker safety, visit OSHA’s Protecting Temporary Workers page .

Hiring subcontractors: Are they covered for workers’ compensation?

Hiring subcontractors that are uninsured can pose a significant liability to your organization.

Anyone working independently for your organization needs to be covered for work injuries. An independent contractor working alone may or may not carry workers’ compensation insurance.

If contractors say they have coverage, you’ll need to get certificates of insurance at the time they are engaged. Your SFM premium auditor will look for these certificates at the time of your premium audit. If a subcontractor does not provide a certificate of insurance for work comp, we will typically include their
payroll in the calculation of your premium.

Some entity types with no employees may not be required to carry workers’ compensation insurance. If this is the case then you’ll need to get insurance certificates for general liability with adequate minimum limits of coverage.

Are subcontractors truly ‘independent’?

You’ll need to verify that the individual meets the state’s legal criteria to be considered an independent contractor. The specific requirements vary by state, and an employment attorney is your best resource to make sure your contractors meet them.

In addition to verifying coverage and determining “independent” status, SFM attorneys recommend having a subcontractor agreement drawn up by an employment attorney for all subcontractors to sign before they go to work for you.

For more information on Minnesota’s guidelines, see SFM’s General contractor’s liability Legal Advisory and Hiring subcontractors CompTalk.

Determining whether a subcontractor could be considered an employee

The first thing you need to know is that your state and the IRS may have different criteria for establishing whether a subcontractor can be considered an independent contractor (for which you don’t need to provide workers’ compensation coverage) versus an employee (for which you must provide coverage in most states).

This means even subcontractors that qualify as independent contractors for tax purposes, might still be considered employees by state standards.

Every state is a little different, but most require that the subcontractor have control over the method and manner in which the work is completed, among other criteria to be considered independent contractors.

Here’s information on classification of workers in some of SFM’s core states:

 

This is not intended to serve as legal advice for individual fact-specific legal cases or as a legal basis for your employment practices.

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