For
16 years, safety dividends and safety awards have been distributed to Louisiana Restaurant Association Self Insurer’s Fund for workers' compensation (LRA SIF) members. Those who had a
loss ratio that didn’t exceed 50 percent, attended a safety seminar or webinar
and implemented a written safety program receive a dividend. In addition,
safety awards are distributed annually to members who have filed no claims
during the entire previous year, which many of them display in their establishments
as a point of pride.
Seventy-two
percent of LRA SIF members met the challenge and received a safety award this
year. It is evident that the majority of LRA SIF members promote and provide a
safe working environment for their staff.
The
Second Injury Board Knowledge Questionnaire continues to be a useful tool in
recovering claims costs for pre-existing injuries. As part of your new hire
orientation, having all employees complete this questionnaire will help
identify, in writing, any pre-existing conditions that, if known, may result in
the Second Injury Fund covering a significant portion of a claim that
ultimately can impact your workers’ comp rates.
Another
way to reduce your workers’ comp exposure is having a post-accident drug and
alcohol policy. An employee that is under the influence of drugs and/or alcohol
is a danger to themselves and their co-workers. If they are injured on the job,
having a post-accident drug and alcohol policy in place could protect the
employer from the entire claims cost if the employee tests positive in excess
of the limits.
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