Showing posts with label Louisiana restaurant workers comp. Show all posts
Showing posts with label Louisiana restaurant workers comp. Show all posts

Wednesday, November 12, 2014

7 steps to avoid lacerations in a restaurant

Whether you are a skilled chef or new to a restaurant kitchen, having proper knife skills not only makes your job easier, it can also prevent unnecessary injuries, trips to the emergency room and/or days out of work.

There are many factors that can impact your ability to use a knife safely and effectively such as a lack of training, inadequate lighting, an unanchored cutting board, an attempt to catch a falling knife, using the wrong knife for the job or holding the item you're cutting improperly, to name a few.

By following these seven simple steps your employees can protect themselves from lacerations.

Separate Sharps
The most dangerous knife is the knife you cannot see. For that reason it is important to keep knives out of dish tubs or sinks. Create a designated tub for dirty knives in the workplace or have employees who are using the knives personally clean them after use.

Proper Techniques
Before you give the keys to the knives to your staff ensure they are trained on proper knife usage. This includes:
  • Cutting away from the body and not toward
  • When walking through a busy kitchen with a knife in your hand, always keep the blade pointed down and carry it close to your body
  • Always hand a knife by holding the non-sharpened side of the knife and extending the handle to a person
  • Never attempt to catch a falling knife. Just let it fall to the floor.
Cutting Gloves
Made from stainless steel, Kevlar or other materials resistant to sharp objects, cutting gloves are a great addition to any kitchen. While these gloves are extremely effective in preventing cuts it is important to remember they are cut resistant, not cut proof- injuries can still occur. When purchasing these gloves make sure you order multiple sizes to ensure each member of your kitchen staff has a properly fitting glove.

Cutting Boards
The utilization of cutting boards prevents objects from slipping while they are being cut. For this reason it is important to make sure all your employees are using cutting boards and that the boards you have are in good working condition.

Sharpen routinely
Perhaps the most common cause of restaurant lacerations is dull and improperly maintained knives. Dull blades not only slip but decrease accuracy and performance. You should have blades sharped at least once to twice a week depending upon usage. When sharpening knives also inspect the handles and if loose tighten. If the handle cannot be tightened the blade should be properly disposed.

Avoid distractions
The operation of a knife is a dangerous job requiring complete concentration. It is important to have a policy in place that instructs employees not to communicate with one another when one is using a knife. While it may sound a bit impractical it will increase efficiency and reduce accidents.

Know your knife
You wouldn't hammer a nail with a screw driver, so don't cut bread with a non-serrated blade. Ensure your employees have proper training on what knife to use for what job. Here are a few pointers...
  • Chef's Knife—Great for chopping large or very firm vegetables. Best for: Onions, carrots, potatoes, peppers, celery, meat.
  • Serrated Knife—A serrated knife is the most efficient (and safest) way to slice. Best for: Tomatoes, bread, citrus fruits, pies, quiches, pizza.
  • Paring Knife—The fine, small blade paring knife is for delicate precision work on all kinds of small food items. Best for: Apricots, plums, berries, apples, shallots, garlic, fresh herbs.
This article is provided courtesy of the LRA Self Insurer's Fund for Workers' Compensation. If you are not a plan participant and interested in more information or a comparison quotes, please call (504) 454-2277 today. 

Wednesday, June 18, 2014

#LRAEXPO14: Stay through Monday

There’s a lot to do in New Orleans. If you want to avail yourself of the city’s weekend activities, make plans to hit the Louisiana Foodservice & Hospitality EXPO on Monday, the day serious buyers make deals right on the show floor.

Traditionally a lighter attendance day, you won’t have to fight the barrage of attendees as you would on Saturday and Sunday. From 10 a.m. to 3 p.m., you can meander the aisles leisurely and really get an up close look at the hundreds of exhibiting companies, and see and hear about the latest food products, alcoholic beverage brands, equipment, technology and services to improve your restaurant’s profitability and efficiency. Exhibitors on Monday may even cut you a sweet deal, as many of them don’t want to transport product and equipment back to their headquarters.

An added incentive: If you take advantage of the LRA Self Insurer’s Fund for Workers’ Compensation (LRA SIF), you can also knock out your annual safety seminar from 10:30-11:30 a.m. located in the IDEA ZONE.

Restaurant business tends to be slower on Monday and many operators actually take the day off. With the show ending at 3 p.m., if you live in Louisiana or a neighboring state, you could be home and unpacked just in time for Monday night primetime television.

To see the full EXPO line up, visit our website here. Register to attend the EXPO today here

Thank you to this year’s Platinum Sponsors!
Heartland Payment Systems, Louisiana Cookin’, Capital One, Republic National Distributing Company, UnitedHealthcare, Glazer’s of Louisiana, Louisiana Restaurant Association Self Insurer’s Fund and the LRA Education Foundation.


Gold Sponsor—Midlands, Generations Hall & Goldman Sachs 10,000 Small Businesses; and Silver Sponsors—Fisher & Phillips, LLP and Johnson, Johnson, Barrios & Yacoubian.

Friday, May 30, 2014

LRA SIF rewards claims free track records

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.

Monday, March 17, 2014

A workers' comp program that goes far beyond the competition

The Louisiana Restaurant Association Self Insurer’s Fund (LRA SIF) for Workers’ Compensation offers the best option for hospitality and retail focused businesses for providing this statutorily required coverage. When you consider the LRA SIF for your workers’ comp needs, you receive more for your premium dollars than with any other provider. In addition to local, in-house claims processing, our complimentary loss prevention and safety analysis services can help you identify opportunities to improve your safety environment and practices. The LRA SIF has provided a more than 30-year track record of financial stability and professionalism in serving your industry’s workers’ comp needs.

While all employers like to provide a safe workplace, you must be prepared when workplace accidents occur. Let the LRA SIF serve as your trusted resource, providing rapid claims response with the focus on getting an injured employee treated and available to return to work. We offer competitive rates with upfront premium discounts for hospitality related class codes and other potential discounts based on loss experience.

An added benefit of participating in the LRA SIF is the efforts of the LRA Advocacy Team who works year round with the Louisiana Department of Insurance and the Office of Workers’ Compensation to monitor and develop best practices to keep your costs competitive. The majority of the state legislation the LRA follows each session relates to workers’ compensation and the oversight of the system.  In the 2014 Legislative Session, which is now underway, there are numerous workers’ comp measures proposed, one of which would enhance the penalties for employers who have failed to secure workers’ compensation coverage. 

Workers’ comp coverage is required by Louisiana law and applies to all employers in the state regardless of your revenue or the number of employees. This law is in place not because the employment is dangerous or involves any foreseeable risk of injury, but rather the act establishes the presumption that anyone rendering service for another in any trade business or occupation is an employee.

When an injury or illness is found to be job-related, the affected employee may be entitled to medical care for the injury or illness, payments for their lost wages, and rehabilitation services to speed their return to work.

An important distinction of a group self insurer’s fund is the consolidation of risk over related businesses or industries, which provides for the pooling of this risk to provide competitive rates. Another benefit with a group self-insured fund is that surplus premium remaining (after claims costs and operating expenses) is returned to plan participants whose loss ratio does not exceed plan limits.

Next month, LRA SIF staff members will be distributing this year’s surplus dividends at the LRA’s nine chapter meetings. Our LRA SIF eligible members will receive their portion of the declared $2 million in dividends. Since its inception, the LRA SIF has returned more than $101 million in dividends to eligible members. Our members’ commitment to safety and getting their employees back to work has helped to create this outcome.

LRA Cenla Chapter
Monday, April 7
Diamond Grill, 924 3rd St., Alexandria
Cocktails: 6 p.m. Dinner & Presentation: 6:30 p.m.
Cost: $20
RSVP: Angela Chisholm, achisholm@lra.org; (318) 366-1326

LRA Bayou Chapter
Tuesday, April 8
Big Al’s, 1377 W Tunnel Blvd., Houma
Cocktails: 6:30 p.m. Crawfish Boil & Presentation: 7 p.m.
Cost: $30
RSVP: Courtney Waguespack, cwaguespack@lra.org; (225) 328-2163

LRA Northshore Chapter
Wednesday, April 9
Columbia Street Tap Room, 434 N. Columbia St., Covington
Crawfish Boil & Presentation: 6:30 p.m.
Cost: $30
RSVP: Jodi Williams, jwilliams@lra.org; (504) 454-2277

LRA Acadiana Chapter
Monday, April 14
Fezzo’s, 720 S. Frontage Road, Scott, LA
Cocktails: 6:30 p.m. Crawfish Boil & Presentation: 7 p.m.
Cost: $40 per person
RSVP: Courtney Waguespack, cwaguespack@lra.org; (225) 328-2163

LRA Northeast Chapter
Monday, April 14
Catfish Cabin, 1400 Louisville Ave., Monroe
Cocktails: 6 p.m. Crawfish Boil & Presentation: 6:30 p.m.                 
Cost: $20
RSVP: Angela Chisholm, achisholm@lra.org; (318) 366-1326

LRA Baton Rouge Chapter
Tuesday, April 15
Ruffino’s, 320 Third St., Downtown Baton Rouge
Cocktails: 6:30 p.m. Dinner & Presentation: 7 p.m.
Cost: $45 Farm to Table Dinner
RSVP: Courtney Waguespack, cwaguespack@lra.org; (225) 328-2163

LRA Northwest Chapter
Tuesday, April 15
Chianti Restaurant, 6535 Line Ave., Shreveport
Cocktails: 6 p.m. Dinner & Presentation: 6:30 p.m.
Cost: $30
RSVP: Angela Chisholm, achisholm@lra.org; (318) 366-1326

LRA Greater New Orleans Chapter
Wednesday, April 16
Brisbi’s Lakefront, 7400 Lakeshore Dr., New Orleans
Crawfish Boil & Presentation: 6:30 p.m
Cost: $35
RSVP: Jodi Williams, jwilliams@lra.org; (504) 454-2277 

LRA Southwest Chapter
Monday, April 28
Steamboat Bill's, 1004 North Lake Shore Dr., Lake Charles
Cocktails: 6:30 p.m. Crawfish Boil & Presentation: 7 p.m.
Cost: $25, option of boiled crawfish or seafood platter
RSVP: Courtney Waguespack, cwaguespack@lra.org; (225) 328-2163

*Due to the price of crawfish, chapter meeting prices marked TBD will be determined closer to the meeting date. Meeting reminders will be mailed and e-mailed prior to the events above and will contain pricing information. 

Tuesday, December 17, 2013

LRA SIF Members to receive more than $2 million in dividends next year

Amount brings total returned since 1988 to more than $100M

The Board of Trustees for the Louisiana Restaurant Association’s Self Insurer’s Fund (LRA SIF) for Workers’ Compensation has approved declaring a dividend to eligible plan participants in the amount of $2.02 million.

The LRA SIF, since 1988, will have cumulatively returned approximately $101.7 million in surplus and safety dividends to eligible members.

For the 26th consecutive year, the Fund has declared a surplus in unused premium and interest income that will be returned to members. This surplus will include eligible participants from the fund years 2008, 2009 and 2010 and be paid in April 2014.

“The LRA SIF was pleased to lower its rates once again this fall, for the third time in four years,” said LRA SIF President & CEO Stan Harris. “Our members have shown a commitment to workplace safety practices and as a result, we see lower accident rates. Our Fund is focused on best-in-class member services, combined with our complimentary loss prevention and safety training.”

For 32 years, the LRA SIF has served as one of the most respected providers of workers’ compensation insurance in Louisiana. The Fund’s management continues to focus on efficiency and timely claims handling to keep its member costs very competitive. 

To be eligible for a dividend, the member must be in good standing with the LRA and the LRA SIF and have a loss ratio that is equal to or less than 70 percent for the years declared as of March 3, 2014.

In October 2013, the LRA SIF announced a rate reduction on premiums for its Fund, which specializes in the hospitality industry.

“Our members’ positive outcomes allow us to lower their rates,” said Harris.


To learn more about how the LRA SIF can help you reduce your workers’ compensation costs and to get a quote, call Babs Schultz at (504) 454-2277 today. 

Tuesday, November 5, 2013

Meet your LRA SIF Safety Dividend Criteria before the close of 2013

The LRA SIF for Workers’ Compensation has five criteria for plan participants to meet in order to be eligible for the safety dividend and receive up to an additional five percent of their premium returned as a dividend. One of the five is to attend at least one safety seminar or webcast annually.

It’s not too late to attend this year’s LRA SIF seminar, “Workers’ Compensation Claims Management.” The seminar reveals strategies to use before, during and after a workers’ compensation claim to reduce negative effects on your business and control claims costs.
Three dates remain to attend in person—Nov. 13, 9-10:30 a.m. at Café Vermillionville in Lafayette; Nov. 14, 9-10:30 a.m. at Acme Oyster House in Baton Rouge; and Dec. 5, 9-10:30 a.m. at Jefferson Orleans-North in Metairie. Click here for more details. As an added convenience, this year the LRA SIF began offering “On-Demand Webcasts” to assist plan participants whose schedules may not permit attending in person.

The remaining four Safety Dividend Criteria are:
·         Complete the fund year with a loss ratio below 50 percent
·         Provide a written copy of your working safety program to the Loss Prevention Dept.
·         100 percent compliance with the Second Injury Board Knowledge Questionnaire. A Louisiana Office of Workers’ Compensation post-offer medical history questionnaire must be completed and on file for ALL employees.
·         100 percent compliance with Post-Accident Drug and Alcohol Testing. ALL employees must sign a post-accident drug and alcohol testing policy and if injured while on the job, must be required to submit to a drug and alcohol test.

Want to knowmore about the LRA SIF for workers’ compensation or need a comparison quote? Read about the LRA SIF rate reductions here or to request a quote, email lrasifquote@lra.org.   

Monday, October 14, 2013

ICYMI: LRA SIF lowers workers’ comp rates AGAIN

For the third time in four years, the Louisiana Restaurant Association Self Insurer’s Fund for workers’ compensation is lowering its rates! If you’re a restaurant, hospitality-related business or a supplier to the industry, the LRA SIF can quote your workers’ comp.

Just last week, we saved a restaurant owner more than $2,000 on his premium costs. Wouldn’t you at least let the LRA SIF give you a comparison quote?  
You may be wondering how this is possible, especially when many providers in our state have taken rate increases? The commitment of our members who focus on reducing claims cost and promoting a culture of safety in the workplace helped to produce this result.

This reduction provides members of the LRA SIF with added value and potential for savings. The LRA SIF has a 31-year track record of serving the industry’s workers’ comp needs with effective in-house claims management that prepares workers to return to work sooner, resolves claims efficiently.
By the way, workers’ compensation coverage is required in Louisiana and applies to any enterprise in the state regardless of the number of employees. The LRA SIF’s complimentary loss prevention resources can provide workplace solutions on how to improve best practices in a hospitality environment.

Spend a few minutes gathering this information to speed up the quote process: class codes, payroll amount, MOD and your loss runs.

What are you waiting for? Pick up the phone now to learn how the LRA SIF can help you reduce your workers’ compensation costs and to get a quote. Call the LRA Member Services at (504) 454-2277 today!

Friday, October 11, 2013

LRA SIF rates are falling once again

For the third time in four years, rate reductions take effect in January

The Louisiana Restaurant Association Self Insurer’s Fund for Workers’ Compensation (LRA SIF) is pleased to announce rate reductions on premiums for its Fund, which specializes in the hospitality industry. This marks the third time in four years that the fund has reduced its rates. The rate reductions will take effect January 1, 2014.

This is made possible by the commitment of our members who participate by maintaining low claims experiences and promoting a culture of safety in the workplace. Because of the efficient management of the Fund, no rates were increased for the upcoming year.


“Most workers’ compensation providers in our state have taken rate increases, particularly in the hospitality-related business classes. Given our LRA SIF members’ commitment to workplace safety and prevention measures, these rate reductions should continue to make our fund the best option for our industry,” said Stan Harris, President & CEO of the LRA SIF.

“This reduction provides members of the LRA SIF with added value and potential savings,” added Harris. “The LRA SIF has a 31-year track record of serving the industry’s workers’ comp needs with effective in-house claims management that prepares workers to return to work sooner, resolves claims efficiently and will continue to offer competitive rates.”

The benefit of placing workers’ comp coverage with a self-insured fund is it allows business owners to spread risk among all participants and creates positive claims outcomes that benefit all the fund’s policyholders.

Workers’ compensation coverage is required by Louisiana law and applies to any enterprise in the state regardless of the number of employees. The LRA SIF’s complimentary loss prevention resources can provide workplace solutions on how to improve best practices in a hospitality environment. Whether you have questions on fire safety, preventing slips and falls, or any other safety concern, the LRA SIF loss prevention professionals can provide helpful information and training for your staff.

As the LRA SIF enters its 32nd year, it has expanded its program to welcome insurance brokers and agents who offer the LRA SIF to their hospitality related clients. Since its inception in early 2011, through membership and partnership with PIA and Big I, the LRA SIF is focused on meeting the specific needs of the agent with superb service and a competitive commission structure.

To learn more about how the LRA SIF can help you reduce your workers’ compensation costs and to get a quote, please contact Member Services at (504) 454-2277 today.

Thursday, June 13, 2013

Let the LRA SIF quote your workers' comp and start saving real money!

The Louisiana Restaurant Association has offered workers’ compensation to the foodservice and hospitality industries (and suppliers to the industry) for more than 30 years, through its Self Insurer’s Fund. This is a not for profit fund, owned by the members who participate and they share in the surplus of any unused premium in the form of annual dividends.

“Workers’ compensation is not optional, it’s mandatory in Louisiana. If you are operating without it, you’re exposed,” Stan Harris, President and CEO, Louisiana Restaurant Association. “One back injury could total a quarter of million dollars easily if the individuals’ injury is severe enough and if it requires surgery, rehabilitation, pain management, indemnity, etc. Do you have that kind of cash lying around?”

LRA SIF President/CEO
Stan Harris
To date, the LRA SIF has returned nearly $100 million to its members. The LRA SIF is one of the most successful programs of its type in the state due in large part to it only taking on risk aligned with the restaurant and hospitality industries. With an in house safety and loss prevention staff, the LRA SIF manages its claims in house to maintain the most cost effective and efficient system and provide local customer service.

“Just one example of the savings? The LRA SIF recently wrote a new policy which saved the business owner nearly $3,000 in annual premium costs,” said Harris. “That’s $250 a month towards his bottom line. That could be you.”

In the last two years, we have grown our portfolio significantly. We expanded our relationships with agencies and brokers, because many of our members requested that their policies be written as part of their overall risk management plan. We also have a team of sales professionals in the field working directly with restaurants to address their workers’ compensation needs.

Beginning in 2013, the LRA SIF lowered rates in seven key class codes, as the market has moved to significantly raise rates. If you call us today, you could be saving money on your premium in a matter of days. To get a quote, call the LRA SIF at (504) 454-2277.  
 

 

Wednesday, February 20, 2013

SIF members weigh in on safety seriousness

When it comes to safety, how aware are your employees to the risk of injury in their workplace environment? It only takes a second for an accident to occur and whether it’s in a restaurant, office, retail floor or warehouse, “safety first” is an affirmation for all of us, no matter our location.
The Louisiana Restaurant Association Self Insurer’s Fund (LRA SIF) provides its members with monthly safety meeting topics for managers and supervisors to conduct in an effort to reduce injuries. They include: slips, trips and falls; cuts and lacerations, back and lifting safety, burns, first aid, driver safety, electrical safety, fire safety, robbery prevention, among others. 
 
“It’s always a great idea to have a fresh set of eyes looking at your operations for safety hazards,” said Lindsay Midgett, area supervisor for Idora, Inc., which owns 10 Popeye’s Louisiana Kitchens in Lake Charles and its surrounding areas. “Being in the business every day, it’s so easy to overlook safety hazards.” 

With that many locations, Midgett’s store managers and supervisors use the LRA SIF monthly safety meeting sheets to cover the necessary topics to help curtail any accidents. He also appreciates LRA SIF site inspections to further prevent claims and said his top three safety concerns are slips and falls, fryer burns and cuts.  

“Just a few weeks ago, Victor Balbuena, [LRA SIF VP of Loss Prevention] did an inspection and pointed out something that I’d been stepping over and didn’t even realize,” said Midgett, who’s in charge of safety and human resources for the company. 

Creating a culture of safety starts at the top, but is not management’s responsibility alone.  New Orleans Country Club General Manager Bobby Crifasi has, at most, 200 employees to oversee and has created a task force of sorts to emphasis safety.  

“Our seven department heads make up our Safety Committee,” explained Crifasi. “Each week they meet and inspect one of their respective areas of the operation for possible hazards. We also reward line level employees for pointing out possible safety issues. ”  

Buy-in from all staff members is critical in preventing injuries. It really helps to have the staff assist with monitoring other employee activity when management isn’t present.

Thursday, May 10, 2012

Work comp coverage is Louisiana law

Let the Louisiana Restaurant Association Self Insurer's Fund quote your workers' comp today!

Did you know if you own a business in Louisiana, you are required to carry workers’ compensation insurance? What would you do if one of your employees slipped and fell in the kitchen and you were without workers’compensation coverage?
Not only would you have be responsible for the out-of-pocket medical expenses, you could also be sued for lost wages due and pain and suffering.

“Workers’ Comp coverage is not an option,” said Stan Harris, President and CEO, LRASIF. “If you are found to not have coverage, you can be charged as much as $10,000 in fines.”

You should also ask any service provider for your business for an insurance certificate to verify they have workers compensation coverage in place. If not, an injury to one of their employees could be charged to the restaurant who hired the service provider.

The Louisiana workers’ comp law applies to all employers in this state regardless of the number of employees. It is not necessary that the employment be dangerous or involves any forseeable risk of injury. In fact, the act establishes the presumption that anyone rendering service for another in any trade, business or occupation is an employee.

“Owners should not assume that their personal health insurance will cover an accident that occurs while working,” Harris added. “In most cases, they will be denied coverage. Owners who are actively involved in the day-to-day operations should strongly be included in coverage.”

The LRASIF is a participant owned workers’ compensation fund for the hospitality industry. Workers’ comp coverage with the LRASIF offers competitive rates, free loss prevention services, responsive member service and support and expert industry-specific claims handling.

"The service we get from the LRASIF, the timeliness, how fast they get information to us, get our employees in to see doctors to get treatment and get our employees back to work is what it's all about," said Tommy Cvitanovich, Drago's Seafood Restaurant owner.

The video contained in this post is a testimony from Cvitanovich about why he has coverage with the LRASIF, which covers restaurant and hospitality businesses within Louisiana.

“The LRASIF is a tremendous benefit that positively affects our bottom line,” said Katy Casbarian, co-proprietor of Arnaud’s Restaurant and an LRASIF member since 1983.

For more information about how the LRASIF can help you with workers’ compensation, quotes and workplace safety, call Debbie Cuccia or Michelle Guidroz at (504) 454-2277.

Are you covered? Let us have your back.

Tuesday, February 28, 2012

Effective management can reduce work comp costs


The Louisiana Restaurant Association Self Insurer's Fund for Workers' Compensation offers competed rates, free loss prevention services, responsive members service and support and expert hospitality industry-specific claims handling.

Reducing workers’ compensation costs can not only be achieved by eliminating claims, but by implementing sound management programs once the inevitable workers’ compensation claim does arrive. For employers that fail to have these programs in place, workers’ compensation claims costs can skyrocket. Not only because of the cost of claims themselves, but also because of the indirect costs associated with workers’ compensation claims. 

The Bureau of Labor Statistics reports that for every dollar spent on a workplace injury or illness, an additional $5 is spent by the employer themselves on indirect costs. These indirect costs include: reduced productivity, decreased employee morale, cost of rehiring and training, damage to equipment or work product and increase experience modification factor just to name a few.

In order to help reduce or eliminate the indirect costs of workers comp, employers should consider implementing these five successful programs:

Allocate Workers’ Compensation CostsYou cannot expect your management staff to adequately prevent and manage workers’ comp costs if they are not made aware of the costs and ultimately held responsible for them.  Educate your management staff to the importance of their participation in reducing the likelihood of workers’ comp claims by allocating the costs to the operation for which they are responsible.

Develop relationships with medical providers
Having medical providers that will provide quick, honest and effective medical treatment to your employees is critical. Educate them as to your expectations for post-accident drug testing and early return to work. They should work in partnership with the injured worker and yourself to get the injured worker back to work as soon as possible.

Investigate, report and communicate
All workers’ comp claims should be thoroughly investigated by management. This may include taking photographs, reviewing videos, interviewing witnesses, examining equipment and completing accident reports. All of this information should be documented. Following this, the information gathered should be immediately reported to your workers’ comp carrier for additional investigation and processing. Finally, make sure to maintain an open line of communication with the comp carrier. Your job handling a claim is not complete simply because you reported the claim.

Educate the injured worker
Most injured workers are unfamiliar with the workers’ comp process and as a result are fearful of the ultimate outcome. They fear they may not be paid while off work or that their medical bills will not be paid. Oftentimes, this fear causes them to seek legal representation and file lawsuits.  Make them aware of what they can expect during the process. Your workers’ comp carrier should be able to assist you with this part of the program.

Provide safety awards or incentives
Reward managers and employees for working safely and following company safety policies and procedures. Incentives can also help to promote a positive change among fellow employees who witness others working safely, which results in developing an effective safety culture in your workplace. 

For more information about the LRA Workers' Comp program, please call Debbie Cuccia at (504) 454-2277.