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Monthly Archives

October 2014

Employee Safety Plan

By Construction Insurance Bulletin

All businesses have an obligation to offer a safe and healthy workplace for their employees. This obligation is more than a moral one; it is the law. According to the federal website Business USA, in 2010 more than 3.1 million nonfatal injuries happened to workers while on the job. The site explains further:

“Under the provisions of the Occupational Safety and Health Act of 1970, as the employer, you must provide a workplace free from recognized hazards that are causing, or are likely to cause, death or serious physical harm to your employees regardless of the size of your business. The Occupational Safety and Health Administration (OSHA) was established to create standards and regulations that implement the Act.”

The number of pages that OSHA has for implementing, regulating, and enforcing workplace safety is in the tens of thousands — far too many to go over in one blog post. But, OSHA requires all employers to have a plan for when an employee suffers an injury or illness on the job. Following are some tips to help you with yours.

1.  Seek medical attention. Sometimes, injuries do not have symptoms for hours or even days after they occur. Have a doctor check your employee out with the tests they consider proper.

2.  Document the incident as soon after the incident as possible. Talk with anyone who saw the incident. Take photos and if needed, draw diagrams. Your business should have an accident/injury report form. Make sure your documentation complies with OSHA reporting and documentation record keeping policies. The rules differ for small employers (10 or fewer employees) but your worker’s comp carrier also may have specific documentation requirements no matter what size your business is; check with them.

3.  Provide reports, if applicable. While all businesses have OSHA regulations governing them, some states have added requirements. The United States Department of Labor provides state-by-state reporting requirements.

Every state requires you to carry worker’s comp insurance for good reason. In addition, under OSHA you need to pay for medical expenses and give injured employees short-term or long-term disability leave.
OSHA and worker’s comp exist to protect employees from on the job injuries and illness and to care for them if such incidents happen.

Five Employee Safety Tips

By Construction Insurance Bulletin

Best practices and laws, policies and rules are important foundations for building a workplace safety program. But, they are not nearly enough. A truly safe working environment is then management and line employees share in the workplace safety effort. Employees who name a hazard should never feel threatened or that he or she will be subject to recriminations. Words of praise are the least for alert people and tickets to a sporting event, movie, or show let them know their alertness counts. Following are some common issues found in most workplaces that management and floor employees should look for.

1. Identify Hazardous Places
When employees first start, assign a person to take them on a tour. Point any places that are hazardous, even if proper signage is up. Explain to new employees the nature of the hazard and if they need protective clothing in the area.

2. Instruct employees in a way to maintain the right posture to protect their backs.
People, who work at desks, keep your shoulders lined up with your hip to avert back issues. Any worker who has to pick something up needs to know the correct position of the back to avoid injury. So do not stoop or twist. Whenever possible use ergonomically designed furniture and equipment to protect your back. Ergonomic equipment and furniture help keep your muscular-skeletal system in the proper place.

3. Report unsafe conditions.
The span of management keeps getting larger. Managers have more difficulty walking through their areas to make sure all areas are safe. They are dependent on their workers to help find unsafe conditions. Safety is everyone’s job — as soon as you suspect a condition is not safe report it to your manager.

4. Be aware of your surroundings.
If you work on a factory floor, in the fulfillment center or a warehouse be aware of your surroundings. Forklifts are racing around keeping to their schedules and intersections are especially dangerous. Walk the floor with the same caution, you do when crossing the street at a busy intersection.

5. Dress for safety.
Always make sure you have the proper safety equipment on. Hard hats, goggles, ear protection, and other safety items significantly cut the amount of employee injuries and illnesses.

Managers who share these and other safety tips with their team show that they care about their employees past “legislative directions.” This caring attitude goes a long way towards employee safety awareness, less on the job injuries, and higher productivity thanks to improved morale.


Is Your Employer-Sponsored Roth 401(k) a Wise Choice for You?

By Employment Resources

No matter how old you are, retirement will be here sooner than you think. Your employer can help you prepare for this season of life. As you decide if you should transfer existing 401(k) funds into a Roth 401(k), consider your tax preferences.

When You Pay Taxes Matters

Most investment strategists typically recommend that consumers like you invest pre-tax money in their retirement accounts. That means you deposit funds into your retirement account before you pay taxes on the cash. Traditional 401(k)s work this way and allow you to pay taxes on the money you withdraw during retirement.

Open a Roth 401(k), and you’ll be depositing cash that’s already been taxed. When you’re ready to retire, the only taxes you pay are on the profits your investment earned.

You Choose the Option You Prefer

Ultimately, the choice of whether to stick with a traditional 401(k) or transfer to a Roth 401(k) is up to you. After all, it’s your money and your future. Your current and future tax brackets are invaluable tools that can help you decide what to do.

*If your current tax bracket is fairly high and you expect it to decrease once you enter retirement age, stick with your traditional 401(k).
*If you expect to be in a higher tax bracket during retirement or are you a young worker who’s just starting out in your career, the Roth 401(k) is a wise choice. It lets you pay taxes on your investment now when you have more disposable income.

Are you ready to make a decision about whether or not choosing a Roth 401(k) is right for you? Then, talk to your company’s human resources department. Find out if the new Roth 401(k) is available and clarify any questions you might have about retirement investing. With this information, you ensure your retirement account wishes are put into practice as you prepare for the future.

Discover the Secret of Employee Satisfaction

By Employment Resources

Do you wake up excited to go to work each day? If so, your employer probably knows the secret to employee satisfaction. This secret provides high rates of employee productivity, attendance and retention, and you’ll want to learn more as you get excited about work.

The Secret to Employee Satisfaction

The insurance company AFLAC actually discovered the employee satisfaction secret during a survey of successful companies. They originally wanted to know why some companies enjoyed rising sales and others did not. What they discovered has great impact for you.

According to AFLAC, companies that provide good benefits to their employees receive better productivity, attendance and retention in return. They also grow faster and thrive more than peer companies.

A Sanofi Healthcare Survey concluded the same thing. When asked if they would prefer a benefits package or $10,000, almost 60 percent of the surveyed employees preferred the benefits. Nearly 48 percent also chose the benefits when offered $20,000.

Benefits Packages Pay Off

While some companies balk at offering extensive benefits to their employees, that investment pays for itself. In fact, the benefits that provide the best employee satisfaction include:

*Major medical coverage
*Life insurance
*401(k) plans
*Flexible work options

A good benefit package prompts workers to stay healthy, remain loyal to the company and work harder each day. Ultimately, these benefits provide financial payback to companies who invest in good benefits.

Where can you find the best benefits? Try Microsoft, Whole Foods Market, Qualcomm, three of only 14 companies in the U.S. that pay 100 percent of their employees’ health insurance costs. Zappos, Cisco Systems, IBM and Morningstar also offer unique benefits like vehicle tune-ups, large sabbaticals, extra 401(k) contributions and life coaching.

If you’re satisfied with your job, thank your boss for the benefits package. If not, ask your HR manager for details about all the benefits your company offers. There might be a few you don’t know about that will unlock your employee satisfaction.

Five Simple Ways to Think Outside the Box This Columbus Day

By Employment Resources

Are you facing a project or decision at work that has you stumped? Follow Christopher Columbus’s lead and find your solution when you think outside the box.

Change the Scenery

The same four walls of your office or company’s conference room feel familiar, but they do nothing to cultivate creativity. Try rearranging your office, moving the meeting to a different room or taking a walk. The change in scenery might be exactly what your brain needs to jumpstart creativity and innovation.

Draw a Picture

Most people approach problems with left-brain logic. So, if you’re stuck, tap into your right-brained creativity as you grab markers or crayons and draw a picture. A few minutes of doodling can boost your ability to see outside conventional logic and discover your next great idea.

Study a Different Industry

Whether you’re a lawyer, teacher or farmer, many of the same problems you face also affect people who work in other industries. Study web pages, trade magazines and books about other industries, and your chances of finding new angles or ways of looking at your problems increase.

Turn It Upside Down

Instead of staring at the page for hours, take a different approach. Turn the paper upside down, re-arrange the patterns or start at the end and work backwards. See what new ideas you spark when you turn your problem upside down.

Discover Why Things are Done One Way

Maybe part of your problem comes from doing things the same way they’ve been done for years. But do you even know why things are done the way they’re done? The answers you need might show up when you turn away from traditions and make your own rules.

Columbus did more than discover the Americas. His example inspires you to think creatively. Do just that when you think outside the box and solve your problems this Columbus Day.

Thinking About Switching Doctors? Follow Six Tips

By Employment Resources

When you’re ill, you need a doctor you trust. But what if your doctor is unfamiliar with your condition, rarely has open appointments or acts rudely towards you? Or what happens when you move to another town or across the country? Six tips help you switch to a new doctor with ease and confidence.

  1.  Ask for Recommendations

Trusted family members, friends and neighbors can offer advice on which doctors offer emergency appointments, which ones are great with kids and which ones have poor bedside manners.

  1. Check the Doctor’s Credentials

To handle your specific medical needs, you deserve a specialist with the appropriate training and accreditation. Verify these credentials before you choose your new doctor.

  1. Ask if the Practice Accepts New Patients and Your Insurance

There’s no sense in getting your hopes up about seeing the perfect doctor if he or she is closed to new patients or doesn’t accept your insurance. A quick call to the office will confirm these facts.

  1. Schedule a Consultation

Before you go through the entire switching process, schedule a phone, email or in-person meeting with the doctor. That initial consultation gives you a feel for the doctor’s bedside manner and competence.

  1. Complete the Required Transfer Papers at Work

Your human resources department will have the essential paperwork you need to transfer doctors successfully. Complete these forms as soon as possible to finalize the switch.

  1. Transfer Your Medical Records

You’ll likely have to pay a fee for this service, especially if you’re transferring records to a doctor outside of your current network. Save money by asking if only essential information can be transferred or if you can carry your file personally to the new doctor.

You deserve to receive medical treatment from a doctor who treats you right and is one whom you trust. When you’re ready to switch doctors, follow six tips that ensure you obtain the medical treatment you need.

Cutting Worker’s Compensation Costs

By Workplace Safety

One truth about Worker’s Compensation (WC) insurance premiums is that it is an expense that affects your profitability. Every business does its best to limit these expenses and there are three simple things to do to lower your worker’s compensation premiums.

1. Shop Around

Like everything your business buys, comparison shopping helps to keep premiums lower. Certainly, much of your premium is determined by the number of employees you have, your claims experience and your business’ risk exposure. But, associations you belong to often offer cheaper worker’s comp insurance than the open market. So shop around creatively, get quotes from more than one insurance company – but make sure they are financially sound.

2. Prevent Workplace Injuries and

3. Manage Injuries in the Workplace When They Happen

Why do tips number two and three go together? To understand, you first have to know how injury claims affect your worker’s comp insurance premiums. Worker’s Compensation employment classifications and base rates are determined by an organization known as the National Commission on Compensation Insurance (NCCI).

Your annual premium comes from the NCCI calculation and your estimated payroll annual payroll expense. Of course, if you have been in business awhile, debits and credits adjust your rates based on your business’s injury history and claims costs.

Experience Modification Factor

Insurance professionals refer to this as the E-mod. The NCCI calculates the modifier if your premium payments exceed a certain threshold for the most recent two years. The calculation compares your claims (costs) and injury history for the past three years to the expected injury rates for your employer classification. For example, your 2015 premium uses 2012, 2013, and 2014 injury history and losses to calculate the modifier. If your history is better than average your E-mod is lower 1.0, companies with worse than average losses have an E-mod that is more than 1.0. The higher your E-mod is over 1.0 the more expensive your WC premiums are.

How much you pay for an injured worker’s claim is another part of the calculation. By managing workplace injuries the intent is to return the employee to work as soon as possible, to avoid disability costs. For instance, an employee who works in a warehouse hurts his back and cannot do his or her job for six months. Physical therapy costs are unavoidable, but reassigning the employee to a desk job avoids paying disability. Providing quality contracted care for employee work related illness or injury also helps to manage an illness or injury. Your carrier can help you with these programs.

Since worker’s compensation is a cost that is risk related, institute safety programs and supply correct safety equipment to your workers as part of a total effort to control WC premium premiums.

Office Worker Safety

By Workplace Safety

Offices are not as safe as many people believe. There are many injuries and illnesses that workers suffer in an office environment. The amount of paper, cloth chairs, and drapes are fire hazards. Wastebaskets or chairs in hallways or walkways in the office cubicle setting are tripping hazards. Wet break room or bathroom floors cause slip and fall accidents leading to an injury. Computer users, just like others who do constant repetitive hand motions often develop carpal tunnel syndrome. In addition, office automation promotes employees sitting at their desks for long stretches of time.

With these and many other situations giving rise to injury or illness, how can an employer of office workers help prevent office work related claims? There are many preventive measures to take for you and your employees.

Ergonomics

Ergonomics is the use of furniture or equipment designed to help workers get the correct range of motion or position while working. For instance, desk workers have chairs that adjust to the proper height, and tilt for worker comfort and good posture.

Computer keyboards slant slightly down, and users have wrist rests for their hands when using a mouse or typing on a keyboard.

Employees who sit all day need breaks to stretch their muscles. Stretching relieves muscle fatigue and a change in position prevents disorders such as carpal tunnel.

Remove or Repair Safety Hazards

Teach employees that desk and file drawers are not left open when not in use. Aisles and walkways must not have chairs, wastebaskets, or any obstacles in them. Use extension cords sparingly and then place them behind furniture next to walls to avoid them, causing workers to trip. A worker who spills something in the break room should immediately wipe the spill up. Employees should report other dangerous conditions to a manager.

Maintenance should insure that lighting works in all walkways and stairwells so that workers see and avoid falling hazards. Loose floor tiles and frayed carpeting need immediate repair — until finished, place floor stanchions that say “caution” around the area of disrepair.

Designate a periodic “inspection” time for employees to look around the work areas and adjacent space for safety hazards.

Management and employees who work together to find hazards before they cause injuries have excellent safety records. Employees are happy, more productive, and feel more loyalty to their employers.

Five Tips for Safe Driving for your Business

By Workplace Safety

Did you know that the average work related car crash costs $74,000. That includes medical bills and time off from work. It does not include the emotional turmoil of the worker, his or her family, or the employer.

If you drive as part of your job, or you employ people who must drive as part of their work, following are five tips to share with them so that they drive more safely.

Focus on Driving

Each time you are behind the wheel, the most important thing you do is keep your focus. If your work includes driving or operating heavy equipment focus is even more important to you. Taking a sip of coffee, a bite of a sandwich, or adjusting the radio tuner steals your focus long enough to involve you in a crash that injures you and others.

Stay Alert

In addition to staying focused, you must stay alert. According to the National Sleep Foundation, 60 percent of American Drivers admit they drive while drowsy. Even scarier, is that 37 percent of United States drivers admit they have fallen asleep behind the wheel. Drowsy driving is dangerous, especially so for long-distance truckers, delivery people, and others who spend a great deal of time behind the wheel for work. If you do become sleepy, get off the road and take a nap. If it happens often talk with your employer about a shift change.

Do Not Use Your Cell Phone

Cell phones, like alcohol, and driving do not mix. According to the United States Centers for Disease Control, cell phones have responsibility for more than 1,000 traffic deaths each year, as well as 24,000 injuries. Because of the known dangers of using a cell phone while driving many states have outlawed using one while driving, a few even if it is hands free. In 2010, laws passed that prohibit texting while driving.

Recognize Impaired Drivers

Whether sleepy, high on drugs or drunk, the behavior of an impaired driver is consistent. They tend to vary their speeds, drive very slowly, weave and swerve. If you see some a person driving this way, keep your distance. If possible, pull off the road and call the police. You just might save the driver and innocent people from injury or death.

Use a Global Positioning Device (GPS)

Use a GPS with voice navigation. These devices can plot your route and using an artificial voice give you directions as you drive. No longer is it necessary to drive and try to read a map – a very unsafe practice.

Use these tips and travel safe!


Dealing with Chemical Hazards in the Workplace

By Workplace Safety

If you want to find dangerous chemicals in the workplace, you either need to read obscure technical journals with language and jargon that is impossible for lay people to understand. Your other option is to look at the Manufacturer’s Safety Data Sheet (MSDS) that under the Occupational Health and Safety Administration rules and regulations every employer keeps for hazardous chemicals. Here too, the information is usually in highly technical language, inaccurate and incomplete. Hazards for long-term effects such as reproductive system damage, cancer and other injuries or illnesses are usually lacking from the MSDS.

While having every chemical’s MSDS on hand complies with the letter of the law, out of date or inaccurate data is often worse than no information.

Getting the valuable information needed by employees about the substances they come into contact with shows them that your business has concerns for their health and safety. Here are some tips on how to find out which materials are hazardous and what to do if an employee has dangerous exposure.

Starting with the MSDS sheets that manufacturers supply under OSHA find the hazardous materials your employees have exposure to.

Review and evaluate scientific literature to understand the possible implications of toxic chemicals on employee’s and your own health.

If the task is beyond your or your employees’ abilities, contact your vendors and tell them the MSDS has insufficient information. You want them or the manufacturer to give you clear, easy to understand information about the hazards of immediate and long-term exposure as well as preventive measures to take.

The United States Department of Health and Human Services runs the Agency for Toxic Substances and Disease Registry. On their website is a section called ToxFAQs that has a lot of information on hazardous materials. It is free and available in both document and PDF form. Every substance in their directory has a summary that is a quick and easy guide. It is available in both English and Spanish and is a wonderful information source.