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.